Affordable Housing In Frederick County
Maryland
56 Low Income Apartment Communities In Frederick County
Housing Authorities that serve Frederick County
| Housing Authority | Programs |
|---|---|
| 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) |
Other Housing Authorities located in Frederick County
| Housing Authority | Programs |
|---|---|
| Housing Authority of the City of Frederick | Section 8 Housing Choice Voucher (HCV); Public Housing |
Guide To Affordable Housing in Frederick County, Maryland
According to federal housing data and AffordableHousingOnline.com research, there are 56 low income housing apartment communities offering 1,712 affordable apartments for rent in Frederick County, Maryland. Frederick County features 1,212 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 500 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Frederick County.
Frederick County, MD Affordable Housing Snapshot
| Total Affordable Apartment Properties | 56 |
|---|---|
| Total Low Income Apartments | 1,712 |
| Total Housing Units with Rental Assistance | 1,212 |
| Percentage of Housing Units Occupied By Renters | 26.07% |
| Average Renter Household Size | 2.44 |
| Average Household Size | 2.68 |
| Median Household Income | $83,700 ±$1,810 |
| Median Rent | $1,285 ±$30 |
| Percentage Of Renters Overburdened | 47.91% ± 2.84pp |
| Total Population | 241,373 |
Population and Household Demographics
Frederick County is a County in Maryland with a population of 241,373. There are 88,494 households in the county with an average household size of 2.68 persons. 26.07% of households in Frederick County are renters.
Income and Rent Overburden in Frederick County
The median gross income for households in Frederick County is $83,700 a year, or $6,975 a month. The median rent for the county is $1,285 a month.
Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Frederick County, a household making less than $4,283 a month would be considered overburdened when renting an apartment at or above the median rent. 47.91% of households who rent are overburdened in Frederick County.1
Area Median Income In Frederick 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 Frederick County, HUD calculates the Area Median Income for a family of four as $121,300
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 Frederick 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 Frederick County HUD Rental Assistance in Frederick County
| Income | 1 Person | 2 Person | 3 Person | 4 Person | 5 Person | 6 Person | 7 Person | 8 Person |
|---|---|---|---|---|---|---|---|---|
| 30% of Median | $25,500 | $29,150 | $32,800 | $36,400 | $39,350 | $42,250 | $45,150 | $48,050 |
| 50% of Median | $42,500 | $48,550 | $54,600 | $60,650 | $65,550 | $70,400 | $75,250 | $80,100 |
| 80% of Median | $54,350 | $62,100 | $69,850 | $77,600 | $83,850 | $90,050 | $96,250 | $102,450 |
Low Income Housing Tax Credits in Frederick 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 2010, 19 low income apartment communities containing 693 rental apartments have been constructed and made affordable to low income persons in Frederick 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 Frederick County
| Income | 1 Person | 2 Person | 3 Person | 4 Person | 5 Person | 6 Person | 7 Person | 8 Person |
|---|---|---|---|---|---|---|---|---|
| 50% of Median | $42,500 | $48,550 | $54,600 | $60,650 | $65,550 | $70,400 | $75,250 | $80,100 |
| 60% of Median | $51,000 | $58,260 | $65,520 | $72,780 | $78,660 | $84,480 | $90,300 | $96,120 |
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 Frederick County is $65,520 a year, or $5,460 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $5,460 by 30% to get a maximum rent of $1,638 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% | $1,063 | $1,138 | $1,365 | $1,578 | $1,760 | $1,942 |
| 60% | $1,275 | $1,366 | $1,638 | $1,893 | $2,112 | $2,330 |
Fair Market Rents in Frederick 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 |
|---|---|---|---|---|
| $1,457 | $1,500 | $1,707 | $2,215 | $2,707 |
Cities In Frederick County
Select A City to View its Apartment Communities and Waiting Lists.
| City | Listings | Served By |
|---|---|---|
| Frederick | 49 | The HUD funded Public Housing Agencies that serve Frederick are the Housing Authority of the City of Frederick and Maryland Department of Housing and Community Development. |
| Thurmont | 2 | The HUD funded Public Housing Agency that serves Thurmont is the Maryland Department of Housing and Community Development. |
| Emmitsburg | 1 | The HUD funded Public Housing Agency that serves Emmitsburg is the Maryland Department of Housing and Community Development. |
| Brunswick | 3 | The HUD funded Public Housing Agency that serves Brunswick is the Maryland Department of Housing and Community Development. |
| Adamstown | 0 | The HUD funded Public Housing Agency that serves Adamstown is the Maryland Department of Housing and Community Development. |
| Ballenger Creek | 0 | The HUD funded Public Housing Agency that serves Ballenger Creek is the Maryland Department of Housing and Community Development. |
| Bartonsville | 0 | The HUD funded Public Housing Agency that serves Bartonsville is the Maryland Department of Housing and Community Development. |
| Braddock Heights | 0 | The HUD funded Public Housing Agency that serves Braddock Heights is the Maryland Department of Housing and Community Development. |
| Buckeystown | 0 | The HUD funded Public Housing Agency that serves Buckeystown is the Maryland Department of Housing and Community Development. |
| Burkittsville | 0 | The HUD funded Public Housing Agency that serves Burkittsville is the Maryland Department of Housing and Community Development. |
| Jefferson | 0 | The HUD funded Public Housing Agency that serves Jefferson is the Maryland Department of Housing and Community Development. |
| Libertytown | 0 | The HUD funded Public Housing Agency that serves Libertytown is the Maryland Department of Housing and Community Development. |
| Linganore | 0 | The HUD funded Public Housing Agency that serves Linganore is the Maryland Department of Housing and Community Development. |
| Middletown | 0 | The HUD funded Public Housing Agency that serves Middletown is the Maryland Department of Housing and Community Development. |
| Monrovia | 0 | The HUD funded Public Housing Agency that serves Monrovia is the Maryland Department of Housing and Community Development. |
| Myersville | 0 | The HUD funded Public Housing Agency that serves Myersville is the Maryland Department of Housing and Community Development. |
| New Market | 0 | The HUD funded Public Housing Agency that serves New Market is the Maryland Department of Housing and Community Development. |
| Point of Rocks | 0 | The HUD funded Public Housing Agency that serves Point of Rocks is the Maryland Department of Housing and Community Development. |
| Rosemont | 0 | The HUD funded Public Housing Agency that serves Rosemont is the Maryland Department of Housing and Community Development. |
| Sabillasville | 0 | The HUD funded Public Housing Agency that serves Sabillasville is the Maryland Department of Housing and Community Development. |
| Spring Ridge | 0 | The HUD funded Public Housing Agency that serves Spring Ridge is the Maryland Department of Housing and Community Development. |
| Urbana | 0 | The HUD funded Public Housing Agency that serves Urbana is the Maryland Department of Housing and Community Development. |
| Walkersville | 1 | The HUD funded Public Housing Agency that serves Walkersville is the Maryland Department of Housing and Community Development. |
| Woodsboro | 0 | The HUD funded Public Housing Agency that serves Woodsboro is the Maryland Department of Housing and Community Development. |
