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Affordable Housing In Cumberland
Allegany County, Maryland

17 Low Income Apartment Communities In Cumberland

Old Towne Manor

1510 E Oldtown Rd
Cumberland, Maryland
Income Based
1-3 BR

Cumberland Arms

10 N Liberty St
Cumberland, Maryland
1-2 BR

Orchard Mews

16116 Orchard Mews Drive, SW
Cumberland, Maryland
Call For Rent
1-2 BR

Mountain View

220 Somerville Ave
Cumberland, Maryland

Cumberland Manor

229 Baltimore Ave
Cumberland, Maryland

The Cascades

701 E 4th St STE Ofc
Cumberland, Maryland

Klot's Mill Lofts

917 Gay St
Cumberland, Maryland

Washington - Allegany Residences II

1800 Bedford St
Cumberland, Maryland
Elderly Supportive Housing

Jane Frazier Village

202 Memorial Ave
Cumberland, Maryland

Fort Cumberland Homes

129 W Oldtown Rd
Cumberland, Maryland

Housing Authorities that serve Cumberland

Housing Authority Programs
Cumberland Housing Group Public Housing
Allegany County Housing Authority Public Housing
Maryland Department of Housing and Community Development Section 8 Housing Choice Voucher (HCV); Family Self-Sufficiency; Homeownership; Section 8 HCV Money Follows the Person (MFP)

Guide To Affordable Housing in Cumberland, Maryland

There are 17 low income housing apartment communities offering 1,229 affordable apartments for rent in Cumberland, Maryland.

Income Based Apartments in Cumberland, Maryland

Cumberland features 918 income based apartments. Tenants of income based apartments typically pay no more than 30% of their income towards rent and utilities.

Low Rent Apartments in Cumberland, Maryland

There are 311 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Cumberland.

Housing Choice Vouchers in Cumberland, Maryland

On average, Section 8 Housing Choice vouchers pay Cumberland landlords $700 per month towards rent. The average voucher holder contributes $300 towards rent in Cumberland.

The maximum amount a voucher would pay on behalf of a low-income tenant in Cumberland, Maryland for a two-bedroom apartment is between $661 and $807.

2021 Cumberland, Maryland Fair Market Rents and Housing Choice Voucher Payment Standards

Fair Market Rents can be used to better understand the average housing costs of an area. Fair Market Rents are used by HUD to establish payment and rent standards for federal rental assistance programs like the Section 8 Housing Choice Voucher Program.

Studio One BR Two BR Three BR Four BR
Cumberland, Maryland Fair Market Rent $499 $587 $734 $965 $1,223
Cumberland, Maryland Payment Standard Range $449 to $549 $528 to $646 $661 to $807 $869 to $1,062 $1,101 to $1,345

Sourced from federal housing data and research.

Cumberland, MD Affordable Housing Snapshot

Total Affordable Apartment Properties 17
Total Low Income Apartments 1,229
Total Housing Units with Rental Assistance 918
Percentage of Housing Units Occupied By Renters 47.33%
Average Renter Household Size 2.09
Average Household Size 2.25
Median Household Income $30,275 ±$1,958
Median Rent $586 ±$29
Percentage Of Renters Overburdened 48.88% ± 5.61pp
Total Population 20,449

Population and Household Demographics

Cumberland is a city in Allegany County, Maryland with a population of 20,449. There are 8,796 households in the city with an average household size of 2.25 persons. 47.33% of households in Cumberland are renters.

Income and Rent Overburden in Cumberland

The median gross income for households in Cumberland is $30,275 a year, or $2,523 a month. The median rent for the city is $586 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Cumberland, a household making less than $1,953 a month would be considered overburdened when renting an apartment at or above the median rent. 48.88% of households who rent are overburdened in Cumberland.

Area Median Income In Cumberland

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 Cumberland, the AMI is calculated from all households within Allegany County.

In Cumberland, HUD calculates the Area Median Income for a family of four as $61,900

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

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 HUD Rental Assistance in Cumberland

1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% AMI Income Limits
Renters earning up to 30% of the Cumberland AMI may qualify for rental assistance programs that target Extremely Low Income households.
$15,300 $17,500 $21,720 $26,200 $30,680 $35,160 $39,640 $44,120
50% AMI Income Limits
Renters earning up to 50% of the Cumberland AMI may qualify for rental assistance programs that target Very Low Income households.
$25,500 $29,150 $32,800 $36,400 $39,350 $42,250 $45,150 $48,050
80% AMI Income Limits
Renters earning up to 80% of the Cumberland AMI may qualify for rental assistance programs that target Low Income households.
$40,800 $46,600 $52,450 $58,250 $62,950 $67,600 $72,250 $76,900