Affordable Housing In Howard County
Maryland

60 Low Income Apartment Communities In Howard County

St Matthew House

7261 Eden Brook Dr
Columbia, MD
Income Based
1 BR
Accessible
Disabled Supportive Housing
Subsidized

Forest Ridge Apartments

5866 Stevens Forest Road, Unit #2
Columbia, MD
Income Based
1-3 BR
HCV Welcome

Park View at Ellicott City

8720 Ridge Road
Ellicott City, MD
Call For Rent
1-2 BR
62+
HCV Welcome

Park View at Ellicott City II

8700 Ridge Road
Ellicott City, MD
$780-929
1-2 BR
62+
HCV Welcome

Park View at Colonial Landing

6391 Rowanberry Dr
Elkridge, MD
$799
1 BR
62+
HCV Welcome

Selborne House of Dorsey Hall

5320 Dorsey Hall Drive
Ellicott City, MD
$876-920
1-2 BR
HCV Welcome

Orchard Crossing Apartments

4810 Circling Hunter Drive
Columbia, MD
$995-1,195
1-2 BR
HCV Welcome

Orchard Club Apartments

6330 Orchard Club Drive
Elkridge, MD
$1,195-1,500
1-2 BR
HCV Welcome

Columbia Commons

7601 Woodpark Ln
Columbia, MD
$1,275-1,999
1-3 BR

Verona at Oakland Mills

9650 Whiteacre Rd Ste 4
Columbia, MD
$1,050-1,600
1-3 BR

Housing Authorities that serve Howard County

Housing Authority Programs
Howard County Housing Commission Section 8 Housing Choice Voucher (HCV); Public Housing

Guide To Affordable Housing in Howard County, Maryland

According to federal housing data and AffordableHousingOnline.com research, there are 60 low income housing apartment communities offering 3,065 affordable apartments for rent in Howard County, Maryland. Howard County features 1,371 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 1,694 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Howard County.

Howard County, MD Affordable Housing Snapshot

Total Affordable Apartment Properties 60
Total Low Income Apartments 3,065
Total Housing Units with Rental Assistance 1,371
Percentage of Housing Units Occupied By Renters 26.61%
Average Renter Household Size 2.47
Average Household Size 2.78
Median Household Income $110,238 ±$1,963
Median Rent $1,579 ±$25
Percentage Of Renters Overburdened 44.81% ± 2.85pp
Total Population 304,115

Population and Household Demographics

Howard County is a County in Maryland with a population of 304,115. There are 108,555 households in the county with an average household size of 2.78 persons. 26.61% of households in Howard County are renters.

Income and Rent Overburden in Howard County

The median gross income for households in Howard County is $110,238 a year, or $9,187 a month. The median rent for the county is $1,579 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Howard County, a household making less than $5,263 a month would be considered overburdened when renting an apartment at or above the median rent. 44.81% of households who rent are overburdened in Howard County.1

Area Median Income In Howard 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 Howard County, HUD calculates the Area Median Income for a family of four as $101,000

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 Howard 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 Howard County HUD Rental Assistance in Howard County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $21,250 $24,250 $27,300 $30,300 $32,750 $35,150 $39,010 $43,430
50% of Median $35,350 $40,400 $45,450 $50,500 $54,550 $58,600 $62,650 $66,700
80% of Median $52,850 $60,400 $67,950 $75,500 $81,550 $87,600 $93,650 $99,700
Low Income Housing Tax Credits in Howard County

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

From 1988 to 2012, 18 low income apartment communities containing 1,831 rental apartments have been constructed and made affordable to low income persons in Howard 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 Howard County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $35,350 $40,400 $45,450 $50,500 $54,550 $58,600 $62,650 $66,700
60% of Median $42,420 $48,480 $54,540 $60,600 $65,460 $70,320 $75,180 $80,040

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 Howard County is $54,540 a year, or $4,545 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $4,545 by 30% to get a maximum rent of $1,364 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% $884 $947 $1,136 $1,313 $1,465 $1,617
60% $1,061 $1,136 $1,364 $1,576 $1,758 $1,940
Fair Market Rents in Howard 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
$897 $1,105 $1,376 $1,781 $2,037

Cities In Howard County

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

City Listings Served By
Columbia 47 The HUD funded Public Housing Agency that serves Columbia is the Howard County Housing Commission.
Ellicott City 5 The HUD funded Public Housing Agency that serves Ellicott City is the Howard County Housing Commission.
Elkridge 8 The HUD funded Public Housing Agency that serves Elkridge is the Howard County Housing Commission.
Savage 0 The HUD funded Public Housing Agency that serves Savage is the Howard County Housing Commission.
Ellicot 0
Fulton 0
Highland 0
Ilchester 0
North Laurel 0
Scaggsville 0