Affordable Housing In Cumberland County
Maine

68 Low Income Apartment Communities In Cumberland County

Carleton Street Apartments

17 Carleton St
Portland, ME
Call For Rent
Studio-2 BR
HCV Welcome

Griffin Road Senior Housing

5 Griffin Rd
Scarborough, ME
$1450
1 BR
55+
HCV Welcome

Thomas Heights

134 Washington Ave
Portland, ME
$637-751
Studio BR
HCV Welcome

Millbrook Estates

300 E Bridge St
Westbrook, ME
$853
1 BR
HCV Welcome

Bessey Commons Senior Housing

1 Bessey School Dr
Scarborough, ME
Income Based
1 BR
55+
Accessible
HCV Welcome

Bayside Anchor

81 E Oxford St
Portland, ME
Call For Rent
Studio-2 BR
HCV Welcome

Larrabee Woods

9 Dottie's Way
Westbrook, ME
Income Based
1-2 BR
55+
Accessible
HCV Welcome
Subsidized

Riverview Terrace

21 Knight Street
Westbrook, ME
Income Based
Studio-1 BR
55+
Accessible
HCV Welcome
Subsidized

Deering Place

500-510 Cumberland Ave
Portland, ME
$750-1,200
1 BR
HCV Welcome

Larrabee Village

30 Liza Harmon Dr
Westbrook, ME
Income Based
1 BR
62+
HCV Welcome

Housing Authorities that serve Cumberland County

Housing Authority Programs
Maine State Housing Authority Section 8 Housing Choice Voucher (HCV)

Other Housing Authorities located in Cumberland County

Housing Authority Programs
Portland Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing; Homeownership Voucher; Veteran Affairs Supportive Housing (VASH); Section 8 Project-Based Voucher (PBV); Rental Assistance Demonstration (RAD); Moderate Rehabilitation
Brunswick Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing
Westbrook Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing
South Portland Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing

Guide To Affordable Housing in Cumberland County, Maine

There are 68 low income housing apartment communities offering 3,754 affordable apartments for rent in Cumberland County, Maine. Cumberland County features 1,277 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 2,477 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Cumberland County.

Sourced from federal housing data and AffordableHousingOnline.com research.

Cumberland County, ME Affordable Housing Snapshot

Total Affordable Apartment Properties 68
Total Low Income Apartments 3,754
Total Housing Units with Rental Assistance 1,277
Percentage of Housing Units Occupied By Renters 32.49%
Average Renter Household Size 2.04
Average Household Size 2.37
Median Household Income $60,051 ±$1,201
Median Rent $971 ±$15
Percentage Of Renters Overburdened 48.39% ± 2.06pp
Total Population 286,119

Population and Household Demographics

Cumberland County is a County in Maine with a population of 286,119. There are 117,135 households in the county with an average household size of 2.37 persons. 32.49% of households in Cumberland County are renters.

Income and Rent Overburden in Cumberland County

The median gross income for households in Cumberland County is $60,051 a year, or $5,004 a month. The median rent for the county is $971 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Cumberland County, a household making less than $3,237 a month would be considered overburdened when renting an apartment at or above the median rent. 48.39% of households who rent are overburdened in Cumberland County.1

Area Median Income In Cumberland 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 Cumberland County, HUD calculates the Area Median Income for a family of four as $74,000

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 Cumberland 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 Cumberland County HUD Rental Assistance in Cumberland County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $15,550 $17,800 $21,330 $25,750 $30,170 $34,590 $39,010 $43,430
50% of Median $25,900 $29,600 $33,300 $37,000 $40,000 $42,950 $45,900 $48,850
80% of Median $41,450 $47,400 $53,300 $59,200 $63,950 $68,700 $73,450 $78,150
Low Income Housing Tax Credits in Cumberland County

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

From 1989 to 2012, 57 low income apartment communities containing 2,599 rental apartments have been constructed and made affordable to low income persons in Cumberland 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 Cumberland County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $25,900 $29,600 $33,300 $37,000 $40,000 $42,950 $45,900 $48,850
60% of Median $31,080 $35,520 $39,960 $44,400 $48,000 $51,540 $55,080 $58,620

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 Cumberland County is $39,960 a year, or $3,330 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $3,330 by 30% to get a maximum rent of $999 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% $648 $694 $833 $963 $1,074 $1,184
60% $777 $833 $999 $1,155 $1,289 $1,421
Fair Market Rents in Cumberland 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
Town/Area Studio One BR Two BR Three BR Four BR
Baldwin town $776 $815 $1,051 $1,415 $1,424
Bridgton town $776 $815 $1,051 $1,415 $1,424
Brunswick town $776 $815 $1,051 $1,415 $1,424
Cape Elizabeth town $925 $1,008 $1,309 $1,711 $2,083
Casco town $925 $1,008 $1,309 $1,711 $2,083
Chebeague Island town $925 $1,008 $1,309 $1,711 $2,083
Cumberland town $925 $1,008 $1,309 $1,711 $2,083
Falmouth town $925 $1,008 $1,309 $1,711 $2,083
Freeport town $925 $1,008 $1,309 $1,711 $2,083
Frye Island town $925 $1,008 $1,309 $1,711 $2,083
Gorham town $925 $1,008 $1,309 $1,711 $2,083
Gray town $925 $1,008 $1,309 $1,711 $2,083
Harpswell town $776 $815 $1,051 $1,415 $1,424
Harrison town $776 $815 $1,051 $1,415 $1,424
Long Island town $925 $1,008 $1,309 $1,711 $2,083
Naples town $776 $815 $1,051 $1,415 $1,424
New Gloucester town $776 $815 $1,051 $1,415 $1,424
North Yarmouth town $925 $1,008 $1,309 $1,711 $2,083
Portland city $925 $1,008 $1,309 $1,711 $2,083
Pownal town $776 $815 $1,051 $1,415 $1,424
Raymond town $925 $1,008 $1,309 $1,711 $2,083
Scarborough town $925 $1,008 $1,309 $1,711 $2,083
Sebago town $776 $815 $1,051 $1,415 $1,424
South Portland city $925 $1,008 $1,309 $1,711 $2,083
Standish town $925 $1,008 $1,309 $1,711 $2,083
Westbrook city $925 $1,008 $1,309 $1,711 $2,083
Windham town $925 $1,008 $1,309 $1,711 $2,083
Yarmouth town $925 $1,008 $1,309 $1,711 $2,083

Cities In Cumberland County

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

City Listings Served By
Portland 35 The HUD funded Public Housing Agency that serves Portland is the Portland Housing Authority.
Westbrook 12 The HUD funded Public Housing Agencies that serve Westbrook are the Westbrook Housing Authority and Maine State Housing Authority.
Brunswick 3 The HUD funded Public Housing Agencies that serve Brunswick are the Brunswick Housing Authority and Maine State Housing Authority.
Bridgton 2 The HUD funded Public Housing Agency that serves Bridgton is the Maine State Housing Authority.
South Portland 5 The HUD funded Public Housing Agencies that serve South Portland are the South Portland Housing Authority and Maine State Housing Authority.
Freeport 2 The HUD funded Public Housing Agency that serves Freeport is the Maine State Housing Authority.
Falmouth 1 The HUD funded Public Housing Agencies that serve Falmouth are the Westbrook Housing Authority and Maine State Housing Authority.
Windham 1 The HUD funded Public Housing Agencies that serve Windham are the Westbrook Housing Authority and Maine State Housing Authority.
Naples 0 The HUD funded Public Housing Agency that serves Naples is the Maine State Housing Authority.
Raymond 0 The HUD funded Public Housing Agency that serves Raymond is the Maine State Housing Authority.
Scarborough 4 The HUD funded Public Housing Agencies that serve Scarborough are the Westbrook Housing Authority and Maine State Housing Authority.
Yarmouth 1 The HUD funded Public Housing Agencies that serve Yarmouth are the Westbrook Housing Authority and Maine State Housing Authority.
Cape Elizabeth 1 The HUD funded Public Housing Agencies that serve Cape Elizabeth are the Westbrook Housing Authority and Maine State Housing Authority.
Gorham 1 The HUD funded Public Housing Agencies that serve Gorham are the Westbrook Housing Authority and Maine State Housing Authority.
Standish 0 The HUD funded Public Housing Agencies that serve Standish are the Westbrook Housing Authority and Maine State Housing Authority.
Gray 0 The HUD funded Public Housing Agencies that serve Gray are the Westbrook Housing Authority and Maine State Housing Authority.
Cumberland 0 The HUD funded Public Housing Agencies that serve Cumberland are the Westbrook Housing Authority and Maine State Housing Authority.
North Yarmouth 0 The HUD funded Public Housing Agencies that serve North Yarmouth are the Westbrook Housing Authority and Maine State Housing Authority.
Baldwin 0 The HUD funded Public Housing Agency that serves Baldwin is the Maine State Housing Authority.
Brunswick Station 0 The HUD funded Public Housing Agency that serves Brunswick Station is the Maine State Housing Authority.
Casco 0 The HUD funded Public Housing Agency that serves Casco is the Maine State Housing Authority.
Chebeague Island 0 The HUD funded Public Housing Agency that serves Chebeague Island is the Maine State Housing Authority.
Cousins Island 0 The HUD funded Public Housing Agency that serves Cousins Island is the Maine State Housing Authority.
Cumberland Center 0 The HUD funded Public Housing Agency that serves Cumberland Center is the Maine State Housing Authority.
Falmouth Foreside 0 The HUD funded Public Housing Agency that serves Falmouth Foreside is the Maine State Housing Authority.
Frye Island 0 The HUD funded Public Housing Agency that serves Frye Island is the Maine State Housing Authority.
Harpswell 0 The HUD funded Public Housing Agency that serves Harpswell is the Maine State Housing Authority.
Harrison 0 The HUD funded Public Housing Agency that serves Harrison is the Maine State Housing Authority.
Little Falls 0 The HUD funded Public Housing Agency that serves Little Falls is the Maine State Housing Authority.
Littlejohn Island 0 The HUD funded Public Housing Agency that serves Littlejohn Island is the Maine State Housing Authority.
Long Island 0 The HUD funded Public Housing Agency that serves Long Island is the Maine State Housing Authority.
New Gloucester 0 The HUD funded Public Housing Agency that serves New Gloucester is the Maine State Housing Authority.
North Windham 0 The HUD funded Public Housing Agency that serves North Windham is the Maine State Housing Authority.
Pownal 0 The HUD funded Public Housing Agency that serves Pownal is the Maine State Housing Authority.
Sebago 0 The HUD funded Public Housing Agency that serves Sebago is the Maine State Housing Authority.
South Windham 0 The HUD funded Public Housing Agency that serves South Windham is the Maine State Housing Authority.
Steep Falls 0 The HUD funded Public Housing Agency that serves Steep Falls is the Maine State Housing Authority.