Affordable Housing programs support 915 income based apartments in Cumberland where households pay rent based on how much they earn.
There are 311 affordable apartments in Cumberland that offer reduced rents to low-income households.
There are no open Section 8 Housing Choice Voucher waiting lists in Cumberland. Go to the Maryland Section 8 Waiting Lists page for openings near Cumberland.
Public Housing Agencies operate federally assisted affordable housing programs at local levels on behalf of HUD. Notably, housing agencies are responsible for managing Section 8 Housing Choice Voucher, Public Housing, and Project-Based Voucher waiting lists within their jurisdiction.
|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)|
Cumberland features 915 income based apartments. Tenants of income based apartments typically pay no more than 30% of their income towards rent and utilities.
There are 311 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Cumberland.
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 $754 and $922.
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||$560||$668||$838||$1,073||$1,356|
|Cumberland, Maryland Payment Standard Range||$504 to $616||$601 to $735||$754 to $922||$966 to $1,180||$1,220 to $1,492|
Sourced from federal housing data and AffordableHousingOnline.com research.
|Total Affordable Apartment Properties||17|
|Total Low Income Apartments||1,226|
|Total Housing Units with Rental Assistance||915|
|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|
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.
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.
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 $71,300
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 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.
|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.
|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.
|80% AMI Income Limits
Renters earning up to 80% of the Cumberland AMI may qualify for rental assistance programs that target Low Income households.