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Affordable Housing In Cumberland County
Maine

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There are 50 low income housing apartment complexes which contain 2,800 affordable apartments for rent in Cumberland County, Maine. Many of these rental apartments are income based housing with about 4,179 apartments that set rent based on your income. Often referred to as "HUD apartments", there are 1,872 Project-Based Section 8 subsidized apartments in Cumberland County. There are 3,635 other low income apartments that don't have rental assistance but are still considered to be affordable housing for low income families.

The HUD funded Public Housing Agency that serves Cumberland County is the Maine State Housing Authority.

Affordable Apartments in Cumberland County

Image of 100 State Street
100 State Street STE 620
Portland, Maine
100 State Street is a 168 unit low income housing apartment community in Portland.
Some or all apartments in this community are rent subsidized, which means rent is income based.
Project-Based Section 8
Project Based Rental Assistance
Persons With Disabilities
Senior (62+)
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50 Starboard Dr
Cape Elizabeth, Maine
Colonial Village I is a 12 unit low income housing apartment community in Cape Elizabeth.
Some or all apartments in this community are rent subsidized, which means rent is income based.
Project Based Rental Assistance
Persons With Disabilities
Senior (62+)
Project-Based Section 8
View More
Image of Deerfield Village Apartments
246 Pond Rd
Bridgton, Maine
Deerfield Village Apartments is a 48 unit low income housing apartment community in Bridgton.
Some or all apartments in this community are rent subsidized, which means rent is income based.
Low Income Housing Tax Credit
Section 515 Rural Rental Housing
Rural Development Rental Assistance
Project Based Rental Assistance
Accepts Housing Choice Vouchers
Senior (62+)
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1300 Forest Avenue
Portland, Maine
Forest Avenue Apartments is a 16 unit low income housing apartment community in Portland.
Some or all apartments in this community are rent subsidized, which means rent is income based.
Section 811 Supportive Housing for Persons with Disabilities
Project Based Rental Assistance
Accessible Units
Persons With Disabilities
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246 Auburn Street
Portland, Maine
North Deering Gardens is a 164 unit low income housing apartment community in Portland.
Apartments in this community are not rent subsidized. However, this apartment community has rents considered affordable for low income families in Portland.
Low Income Housing Tax Credit
Accepts Housing Choice Vouchers
View More

Housing Authorities that serve Cumberland County

The Maine State Housing Authority is a Section 8 public housing agency in Augusta, Maine.

Other Housing Authorities located in Cumberland County

The Portland Housing Authority is a Section 8 and Public Housing public housing agency in Portland, Maine.

The Brunswick Housing Authority is a Section 8 and Public Housing public housing agency in Brunswick, Maine.

The Westbrook Housing Authority is a Section 8 and Public Housing public housing agency in Westbrook, Maine.

The South Portland Housing Authority is a Section 8 and Public Housing public housing agency in South Portland, Maine.

Understanding Affordable Housing in Cumberland County, Maine

Cumberland County, ME Affordable Housing Snapshot

Total Affordable Apartment Properties50
Total Low Income Apartments2,800
Total Rent Assisted Apartments4,179
Percentage of Housing Units Occupied By Renters32.49%
Average Renter Household Size2.04
Total Population286,119
Housing Units117,135
Average Household Size2.37
Median Household Income$60,051 ±$1,201
Median Rent$971 ±$15
Percentage Of Renters Overburdened48.39% ± 2.06pp

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

Data derived from 2010 Census and 2015 5-Year American Community Survey. Learn More.
1 Margin of Error: ± 2.06 percentage points.

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 $72,500

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.

Cumberland County HUD Rental Assistance Income Limits

AMI Band1 Person2 Person3 Person4 Person5 Person6 Person7 Person8 Person
30%$15,250$17,400$20,420$24,600$28,780$32,960$37,140$41,320
50%$25,400$29,000$32,650$36,250$39,150$42,050$44,950$47,850
80%$40,600$46,400$52,200$58,000$62,650$67,300$71,950$76,600

You can identify apartment communities that participate in a program that provides rental assistance by looking for the tags in the apartment list above. View Apartments.

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.

You can identify apartment communities that participate in the program in Cumberland County by looking for the tag in the apartment list above. View Apartments.

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.

Cumberland County Low Income Housing Tax Credit Income Limits

AMI Band1 Person2 Person3 Person4 Person5 Person6 Person7 Person8 Person
50%$25,400$29,000$32,650$36,250$39,150$42,050$44,950$47,850
HERA 50%$25,450$29,050$32,700$36,300$39,250$42,150$45,050$47,950
60%$30,480$34,800$39,180$43,500$46,980$50,460$53,940$57,420
HERA 60%$30,540$34,860$39,240$43,560$47,100$50,580$54,060$57,540

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 $39,180 a year, or $3,265 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $3,265 by 30% to get a maximum rent of $980 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 AMIStudio2 Bed3 Bed4 Bed1 Bed5 Bed
50%$635$680$816$943$1,051$1,160
60%$762$816$980$1,131$1,262$1,392
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.

2017 Fair Market Rents
StudioOne BRTwo BRThree BRFour BR
$644$688$910$1,325$1,336

Cities In Cumberland County

Select A City To View its Listings and Waiting Lists. Use the Search bar to filter.

CityListingsServed By
Baldwin0The HUD funded Public Housing Agency that serves Baldwin is the Maine State Housing Authority.
Bridgton2The HUD funded Public Housing Agency that serves Bridgton is the Maine State Housing Authority.
Brunswick2The HUD funded Public Housing Agencies that serve Brunswick are the Brunswick Housing Authority and Maine State Housing Authority.
Brunswick Station0The HUD funded Public Housing Agency that serves Brunswick Station is the Maine State Housing Authority.
Cape Elizabeth1The HUD funded Public Housing Agencies that serve Cape Elizabeth are the Westbrook Housing Authority and Maine State Housing Authority.
Casco0The HUD funded Public Housing Agency that serves Casco is the Maine State Housing Authority.
Chebeague Island0The HUD funded Public Housing Agency that serves Chebeague Island is the Maine State Housing Authority.
Cousins Island0The HUD funded Public Housing Agency that serves Cousins Island is the Maine State Housing Authority.
Cumberland0The HUD funded Public Housing Agencies that serve Cumberland are the Westbrook Housing Authority and Maine State Housing Authority.
Cumberland Center0The HUD funded Public Housing Agency that serves Cumberland Center is the Maine State Housing Authority.
Falmouth0The HUD funded Public Housing Agencies that serve Falmouth are the Westbrook Housing Authority and Maine State Housing Authority.
Falmouth Foreside0The HUD funded Public Housing Agency that serves Falmouth Foreside is the Maine State Housing Authority.
Freeport1The HUD funded Public Housing Agency that serves Freeport is the Maine State Housing Authority.
Frye Island0The HUD funded Public Housing Agency that serves Frye Island is the Maine State Housing Authority.
Gorham0The HUD funded Public Housing Agencies that serve Gorham are the Westbrook Housing Authority and Maine State Housing Authority.
Gray0The HUD funded Public Housing Agencies that serve Gray are the Westbrook Housing Authority and Maine State Housing Authority.
Harpswell0The HUD funded Public Housing Agency that serves Harpswell is the Maine State Housing Authority.
Harrison0The HUD funded Public Housing Agency that serves Harrison is the Maine State Housing Authority.
Little Falls0The HUD funded Public Housing Agency that serves Little Falls is the Maine State Housing Authority.
Littlejohn Island0The HUD funded Public Housing Agency that serves Littlejohn Island is the Maine State Housing Authority.
Long Island0The HUD funded Public Housing Agency that serves Long Island is the Maine State Housing Authority.
Naples0The HUD funded Public Housing Agency that serves Naples is the Maine State Housing Authority.
New Gloucester0The HUD funded Public Housing Agency that serves New Gloucester is the Maine State Housing Authority.
North Windham0The HUD funded Public Housing Agency that serves North Windham is the Maine State Housing Authority.
North Yarmouth0The HUD funded Public Housing Agencies that serve North Yarmouth are the Westbrook Housing Authority and Maine State Housing Authority.
Portland28The HUD funded Public Housing Agencies that serve Portland are the Portland Housing Authority, Maine Centralized Section 8HCV Waiting List and Maine State Housing Authority.
Pownal0The HUD funded Public Housing Agency that serves Pownal is the Maine State Housing Authority.
Raymond0The HUD funded Public Housing Agency that serves Raymond is the Maine State Housing Authority.
Scarborough1The HUD funded Public Housing Agencies that serve Scarborough are the Westbrook Housing Authority and Maine State Housing Authority.
Sebago0The HUD funded Public Housing Agency that serves Sebago is the Maine State Housing Authority.
South Portland5The HUD funded Public Housing Agencies that serve South Portland are the South Portland Housing Authority, Maine Centralized Section 8HCV Waiting List and Maine State Housing Authority.
South Windham0The HUD funded Public Housing Agency that serves South Windham is the Maine State Housing Authority.
Standish0The HUD funded Public Housing Agencies that serve Standish are the Westbrook Housing Authority and Maine State Housing Authority.
Steep Falls0The HUD funded Public Housing Agency that serves Steep Falls is the Maine State Housing Authority.
Westbrook9The HUD funded Public Housing Agencies that serve Westbrook are the Westbrook Housing Authority, Maine Centralized Section 8HCV Waiting List and Maine State Housing Authority.
Windham1The HUD funded Public Housing Agencies that serve Windham are the Westbrook Housing Authority and Maine State Housing Authority.
Yarmouth0The HUD funded Public Housing Agencies that serve Yarmouth are the Westbrook Housing Authority and Maine State Housing Authority.