Affordable Housing In Cumberland
Allegany County, Maryland

17 Low Income Apartment Communities In Cumberland

Old Towne Manor

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

Cumberland Arms

10 N Liberty St
Cumberland, MD
1-2 BR

Orchard Mews

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

Mountain View

220 Somerville Ave
Cumberland, MD

Cumberland Manor

229 Baltimore Ave
Cumberland, MD

The Cascades

701 E 4th St STE Ofc
Cumberland, MD
HCV Welcome

Klot's Mill Lofts

917 Gay St
Cumberland, MD
HCV Welcome

Washington - Allegany Residences II

1800 Bedford St
Cumberland, MD
Elderly Supportive Housing

Jane Frazier Village

202 Memorial Ave
Cumberland, MD

Fort Cumberland Homes

129 W Oldtown Rd
Cumberland, MD

There are 17 low income housing apartment complexes which contain 1,229 affordable apartments for rent in Cumberland. Many of these rental apartments are income based housing with 918 apartments that set rent based on your income. In Cumberland, HUD housing programs support 423 rental assistance apartments through programs like Project-based Section 8. There are 311 other low income apartments that don't have rental assistance but are cheaper than market rate rents.

Housing Authorities that serve Cumberland

Housing Authority Programs
Cumberland Housing Alliance Public Housing
Human Resources Development Commission of Allegany County Public Housing
Maryland Department of Housing and Community Development Section 8 Housing Choice Voucher (HCV)

Guide To Affordable Housing in Cumberland, Maryland

Cumberland, MD Affordable Housing Snapshot

Total Affordable Apartment Properties 17
Total Low Income Apartments 1,229
Total Rent Assisted Apartments 918
Percentage of Housing Units Occupied By Renters 47.33%
Average Renter Household Size 2.09
Total Population 20,449
Housing Units 8,796
Average Household Size 2.25
Median Household Income $30,275 ±$1,958
Median Rent $586 ±$29
Percentage Of Renters Overburdened 48.88% ± 5.61pp

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.1

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 $59,300

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 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 Cumberland HUD Rental Assistance in Cumberland

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 Cumberland

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

From 1988 to 2011, 6 low income apartment communities containing 431 rental apartments have been constructed and made affordable to low income persons in Cumberland 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 Cumberland

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 Cumberland 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 Cumberland

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
$513 $593 $700 $948 $1,180