Affordable Housing In Cecil County
Maryland

41 Low Income Apartment Communities In Cecil County

Maple Heights Apartments

101 W Maple Heights Ct
Rising Sun, MD
Income Based
1-3 BR
HCV Welcome

Concord Apartments

152 Mill Creek Rd
Perryville, MD
$628-703
1-2 BR
HCV Welcome

Stony Run Apartments

Southside of Rt 40
North East, MD
Income Based
1-3 BR
HCV Welcome

North Bay Apartments

11 Cedar Hill Cir
North East, MD
Income Based
2-4 BR
Subsidized

Victoria Park at North East

520 S Main St
North East, MD
$774-934
1-2 BR
55+
HCV Welcome

Elk River Manor Apartments

301 Elk River Manor Drive
North East, MD
$535-555
1-2 BR
Subsidized

Elkton Manor Apts

399 Booth St
Elkton, MD
Income Based
1-3 BR

Springford Gardens

One Whitehall Circle
Elkton, MD
Call For Rent
1-3 BR
Subsidized

North Street Senior Residences

214 North Street
Elkton, MD
$718-1,049
1-2 BR
62+
HCV Welcome

Mckinley Apartments

500 Dodson Drive
Rising Sun, MD
$746
1 BR
Subsidized

Housing Authorities that serve Cecil County

Housing Authority Programs
Cecil County Housing Agency Section 8 Housing Choice Voucher (HCV)

Other Housing Authorities located in Cecil County

Housing Authority Programs
Elkton Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing

Guide To Affordable Housing in Cecil County, Maryland

According to federal housing data and AffordableHousingOnline.com research, there are 41 low income housing apartment communities offering 2,210 affordable apartments for rent in Cecil County, Maryland. Cecil County features 638 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 1,572 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Cecil County.

Cecil County, MD Affordable Housing Snapshot

Total Affordable Apartment Properties 41
Total Low Income Apartments 2,210
Total Housing Units with Rental Assistance 638
Percentage of Housing Units Occupied By Renters 26.43%
Average Renter Household Size 2.57
Average Household Size 2.73
Median Household Income $66,396 ±$2,103
Median Rent $996 ±$32
Percentage Of Renters Overburdened 45.76% ± 4.66pp
Total Population 101,960

Population and Household Demographics

Cecil County is a County in Maryland with a population of 101,960. There are 36,728 households in the county with an average household size of 2.73 persons. 26.43% of households in Cecil County are renters.

Income and Rent Overburden in Cecil County

The median gross income for households in Cecil County is $66,396 a year, or $5,533 a month. The median rent for the county is $996 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Cecil County, a household making less than $3,320 a month would be considered overburdened when renting an apartment at or above the median rent. 45.76% of households who rent are overburdened in Cecil County.1

Area Median Income In Cecil 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 Cecil County, HUD calculates the Area Median Income for a family of four as $90,100

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 Cecil 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 Cecil County HUD Rental Assistance in Cecil County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $18,950 $21,650 $24,350 $27,050 $30,170 $34,590 $39,010 $43,430
50% of Median $31,550 $36,050 $40,550 $45,050 $48,700 $52,300 $55,900 $59,500
80% of Median $50,500 $57,700 $64,900 $72,100 $77,900 $83,650 $89,450 $95,200
Low Income Housing Tax Credits in Cecil County

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, 26 low income apartment communities containing 1,636 rental apartments have been constructed and made affordable to low income persons in Cecil 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 Cecil County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $31,550 $36,050 $40,550 $45,050 $48,700 $52,300 $55,900 $59,500
60% of Median $37,860 $43,260 $48,660 $54,060 $58,440 $62,760 $67,080 $71,400

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 Cecil County is $48,660 a year, or $4,055 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $4,055 by 30% to get a maximum rent of $1,217 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% $789 $845 $1,014 $1,172 $1,308 $1,443
60% $947 $1,014 $1,217 $1,406 $1,569 $1,731
Fair Market Rents in Cecil 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
$864 $1,013 $1,226 $1,528 $1,754

Cities In Cecil County

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

City Listings Served By
Elkton 17 The HUD funded Public Housing Agencies that serve Elkton are the Elkton Housing Authority and Cecil County Housing Agency.
Rising Sun 7 The HUD funded Public Housing Agency that serves Rising Sun is the Cecil County Housing Agency.
North East 9 The HUD funded Public Housing Agency that serves North East is the Cecil County Housing Agency.
Chesapeake City 1 The HUD funded Public Housing Agency that serves Chesapeake City is the Cecil County Housing Agency.
Perryville 4 The HUD funded Public Housing Agency that serves Perryville is the Cecil County Housing Agency.
Port Deposit 1 The HUD funded Public Housing Agency that serves Port Deposit is the Cecil County Housing Agency.
Cecilton 2 The HUD funded Public Housing Agency that serves Cecilton is the Cecil County Housing Agency.
Charlestown 0