Affordable Housing In Cambridge
Dorchester County, Maryland

22 Low Income Apartment Communities In Cambridge

Cambridge Club Apartments

5220 Woods Rd
Cambridge, MD
$565-725
1-3 BR
HCV Welcome

Conifer Village at Cambridge

1040 Foxtail
Cambridge, MD
$874-984
1-2 BR
HCV Welcome

Cambridge Commons

1220 Chestnut Place
Cambridge, MD
Call For Rent
2-3 BR
HCV Welcome

Leonards Grove Apartments

2339 Hudson Road
Cambridge, MD
Call For Rent
1-2 BR
Subsidized

New Horizons

503 Muir Street
Cambridge, MD
Call For Rent
1 BR
62+
Subsidized

Greenwood Village

1027 Cosby Avenue
Cambridge, MD
Call For Rent
3 BR
HCV Welcome
Subsidized

Rambler Apartments

303 Crusader Rd
Cambridge, MD
Call For Rent
1-2 BR
HCV Welcome

Bradford House Apartments

701 Race St
Cambridge, MD
Call For Rent
1 BR
Subsidized

Crusader Arms Apartments

316-104 Crusader Road
Cambridge, MD
Call For Rent
1-2 BR
Subsidized

Foxtail Crossing Townhouses

1243 Zachary Drive
Cambridge, MD
Income Based
3 BR

There are 22 low income housing apartment complexes which contain 1,877 affordable apartments for rent in Cambridge. Many of these rental apartments are income based housing with 1,266 apartments that set rent based on your income. In Cambridge, HUD housing programs support 356 rental assistance apartments through programs like Project-based Section 8. There are 611 other low income apartments that don't have rental assistance but are cheaper than market rate rents.

Housing Authorities that serve Cambridge

Housing Authority Programs
Cambridge Housing Authority Public Housing
Maryland Department of Housing and Community Development Section 8 Housing Choice Voucher (HCV)

Guide To Affordable Housing in Cambridge, Maryland

Cambridge, MD Affordable Housing Snapshot

Total Affordable Apartment Properties 22
Total Low Income Apartments 1,877
Total Rent Assisted Apartments 1,266
Percentage of Housing Units Occupied By Renters 62.18%
Average Renter Household Size 2.37
Total Population 12,534
Housing Units 5,129
Average Household Size 2.34
Median Household Income $35,354 ±$3,248
Median Rent $815 ±$40
Percentage Of Renters Overburdened 49.83% ± 5.17pp

Population and Household Demographics

Cambridge is a City in Dorchester County, Maryland with a population of 12,534. There are 5,129 households in the city with an average household size of 2.34 persons. 62.18% of households in Cambridge are renters.

Income and Rent Overburden in Cambridge

The median gross income for households in Cambridge is $35,354 a year, or $2,946 a month. The median rent for the city is $815 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Cambridge, a household making less than $2,717 a month would be considered overburdened when renting an apartment at or above the median rent. 49.83% of households who rent are overburdened in Cambridge.1

Area Median Income In Cambridge

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.

HUD often uses an area larger than a city to determine the AMI because HUD anticipates those searching for housing will look beyond individual cities during their housing search. For Cambridge, the AMI is calculated from all households within Dorchester County.

In Cambridge, HUD calculates the Area Median Income for a family of four as $65,500

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 Cambridge

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 Cambridge HUD Rental Assistance in Cambridge

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $14,350 $16,910 $21,330 $25,750 $30,170 $34,590 $39,010 $43,430
50% of Median $23,950 $27,400 $30,800 $34,200 $36,950 $39,700 $42,450 $45,150
80% of Median $38,300 $43,800 $49,250 $54,700 $59,100 $63,500 $67,850 $72,250
Low Income Housing Tax Credits in Cambridge

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

From 1987 to 2011, 16 low income apartment communities containing 1,022 rental apartments have been constructed and made affordable to low income persons in Cambridge 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 Cambridge

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $23,950 $27,400 $30,800 $34,200 $36,950 $39,700 $42,450 $45,150
60% of Median $28,740 $32,880 $36,960 $41,040 $44,340 $47,640 $50,940 $54,180

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 Cambridge is $36,960 a year, or $3,080 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $3,080 by 30% to get a maximum rent of $924 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% $599 $642 $770 $889 $993 $1,095
60% $719 $770 $924 $1,067 $1,191 $1,314
Fair Market Rents in Cambridge

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.

2019 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$754 $773 $886 $1,220 $1,283