Affordable Housing In Harlan County

11 Low Income Apartment Communities In Harlan County

Bradford Square Apartments

2319 E Main St
Cumberland, KY
Call For Rent
1 BR
HCV Welcome

Holly Point Apartments

134 Wallins St
Harlan, KY

Pride Terrace Multi - Fam

504 Last Resort Ct
Cumberland, KY

Cumberland Manor - Cumberland

201 Mastin Dr
Cumberland, KY

Pride Terrace Single - Fam

502 Last Resort Ct
Cumberland, KY

Olympic Homes II

PO Box 1710
Harlan, KY
HCV Welcome

Poplar Village

51 Mastin Dr
Cumberland, KY

Cumberland Hope Community

Hwy 38
Evarts, KY
HCV Welcome

New Hope Village

New Hope Dr
Harlan, KY
HCV Welcome

Cloverlick Heights

120 Russell Dr
Cumberland, KY

Other Housing Authorities located in Harlan County

Housing Authority Programs
Housing Authority of Cumberland Public Housing
Housing Authority of Harlan Public Housing

Guide To Affordable Housing in Harlan County, Kentucky

There are 11 low income housing apartment communities offering 654 affordable apartments for rent in Harlan County, Kentucky. Harlan County features 557 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 97 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Harlan County.

Sourced from federal housing data and research.

Harlan County, KY Affordable Housing Snapshot

Total Affordable Apartment Properties 11
Total Low Income Apartments 654
Total Housing Units with Rental Assistance 557
Percentage of Housing Units Occupied By Renters 30.21%
Average Renter Household Size 2.41
Average Household Size 2.43
Median Household Income $25,814 ±$1,880
Median Rent $456 ±$43
Percentage Of Renters Overburdened 33.69% ± 5.05pp
Total Population 28,400

Population and Household Demographics

Harlan County is a County in Kentucky with a population of 28,400. There are 11,406 households in the county with an average household size of 2.43 persons. 30.21% of households in Harlan County are renters.

Income and Rent Overburden in Harlan County

The median gross income for households in Harlan County is $25,814 a year, or $2,151 a month. The median rent for the county is $456 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Harlan County, a household making less than $1,520 a month would be considered overburdened when renting an apartment at or above the median rent. 33.69% of households who rent are overburdened in Harlan County.1

Area Median Income In Harlan County

Affordable housing program eligibility is always determined by one's income. Each household's income is compared to the incomes of all other households in the area. This is accomplished through a statistic established by the government called the Area Median Income, most often referred to as AMI. The AMI is calculated and published each year by HUD.

In Harlan County, HUD calculates the Area Median Income for a family of four as $36,300

Most affordable housing programs determine eligibility based on the percent of AMI a given household's income is. Among the programs that determine eligibility based on the AMI are Section 8, HOME, LIHTC, Section 515, 202 and 811.

Rental Assistance in Harlan County

Rental assistance is a type of housing subsidy that pays for a portion of a renter’s monthly housing costs, including rent and tenant paid utilities. This housing assistance can come in the form of Section 8 Housing Choice Vouchers, project-based Section 8 contracts, public housing, USDA Rental Assistance (in Section 515 properties) as well as HUD Section 202 and 811 properties for elderly and disabled households.

Income Qualifications for Harlan County HUD Rental Assistance in Harlan County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $12,490 $16,910 $21,330 $25,600 $27,650 $29,700 $31,750 $33,800
50% of Median $17,950 $20,500 $23,050 $25,600 $27,650 $29,700 $31,750 $33,800
80% of Median $28,700 $32,800 $36,900 $40,950 $44,250 $47,550 $50,800 $54,100
Low Income Housing Tax Credits in Harlan County

The Low-Income Housing Tax Credit (LIHTC) program aims to create affordable rental housing for low and very low income families.

From 1994 to 2008, 4 low income apartment communities containing 97 rental apartments have been constructed and made affordable to low income persons in Harlan County by the Low Income Housing Tax Credit Program.

If your income is less than 60% of the Area Median Income (AMI), you should not expect to pay more than the rent value for a unit in the table below. However, Affordable apartment communities that receive funding through the Low Income Housing Tax Credit program may have rental units that are not subject to income and rent limits.

Rent limits for the LIHTC Program are determined so that a household making the maximum income for the expected household size of the unit would only pay 30% of their income for rent.

Income Qualifications for Low Income Housing Tax Credit Apartments in Harlan County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $17,950 $20,500 $23,050 $25,600 $27,650 $29,700 $31,750 $33,800
60% of Median $21,540 $24,600 $27,660 $30,720 $33,180 $35,640 $38,100 $40,560

For example, the expected household size for a two bedroom apartment is 3 people. Using the table above, the maximum income for a 3 person household at 60% of the AMI in Harlan County is $27,660 a year, or $2,305 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $2,305 by 30% to get a maximum rent of $692 a month.

Rent for units in the LIHTC Program include a utility allowance which is determined by the average monthly cost of utilities paid directly by residents. This allowance has not been subtracted from the rents in the table below. These utility allowances are set on a property by property basis.

% of AMI Studio 1 Bed 2 Bed 3 Bed 4 Bed 5 Bed
50% $449 $481 $576 $666 $743 $819
60% $539 $577 $692 $799 $891 $983
Fair Market Rents in Harlan County

Fair Market Rents, often abbreviated as FMR, can be used to better understand the average housing costs of an area. Notably, Fair Market Rents are used to establish the payment standards for the Housing Choice Voucher Program, maximum rents in HOME financed rental projects and initial rents for Section 8 project based assistance.

2020 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$439 $519 $631 $866 $870

Cities In Harlan County

Select A City to View its Apartment Communities and Waiting Lists.

City Listings Served By
Cumberland 6 The HUD funded Public Housing Agency that serves Cumberland is the Housing Authority of Cumberland.
Harlan 4 The HUD funded Public Housing Agency that serves Harlan is the Housing Authority of Harlan.
Benham 0
Cawood 0
Coldiron 0
Evarts 1
Kenvir 0
Pathfork 0
South Wallins 0
Wallins Creek 0
Loyall 0
Lynch 0