Affordable Housing In Talbot County
Maryland

6 Low Income Apartment Communities In Talbot County

Riverwoods at St Michaels

111 Mitchell St
St Michaels, MD
$710-810
1-2 BR
HCV Welcome

St. Michaels Cottages

104 Miles Ln
St Michaels, MD
Call For Rent
1-2 BR

Galloway Meadows

29418 Mathewstown Road
Easton, MD
HCV Welcome

Frederick Douglas Elderly Housing

113 Mitchell St
St Michaels, MD
62+
Accessible
Elderly Supportive Housing
Subsidized

Griffin Apartments

206 Dodson Ave
St Michaels, MD

Pittsville

RR 1 Box 55
Trappe, MD
HCV Welcome
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There are 6 low income housing apartment complexes which contain 212 affordable apartments for rent in Talbot County. Many of these rental apartments are income based housing with 85 apartments that set rent based on your income. In Talbot County, HUD housing programs support 0 rental assistance apartments through programs like Project-based Section 8. There are 127 other low income apartments that don't have rental assistance but are cheaper than market rate rents.

Housing Authorities that serve Talbot County

Housing Authority Programs
Maryland Department of Housing and Community Development Section 8 Housing Choice Voucher (HCV)

Other Housing Authorities located in Talbot County

Housing Authority Programs
St. Michaels Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing
Housing Authority of the Town of Easton Section 8 Housing Choice Voucher (HCV); Public Housing

Guide To Affordable Housing in Talbot County, Maryland

Talbot County, MD Affordable Housing Snapshot

Total Affordable Apartment Properties 6
Total Low Income Apartments 212
Total Rent Assisted Apartments 85
Percentage of Housing Units Occupied By Renters 31.42%
Average Renter Household Size 2.30
Total Population 37,799
Housing Units 16,231
Average Household Size 2.30
Median Household Income $58,228 ±$4,949
Median Rent $1,039 ±$58
Percentage Of Renters Overburdened 53.06% ± 5.54pp

Population and Household Demographics

Talbot County is a County in Maryland with a population of 37,799. There are 16,231 households in the county with an average household size of 2.30 persons. 31.42% of households in Talbot County are renters.

Income and Rent Overburden in Talbot County

The median gross income for households in Talbot County is $58,228 a year, or $4,852 a month. The median rent for the county is $1,039 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Talbot County, a household making less than $3,463 a month would be considered overburdened when renting an apartment at or above the median rent. 53.06% of households who rent are overburdened in Talbot County.1

Area Median Income In Talbot 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 Talbot County, HUD calculates the Area Median Income for a family of four as $80,100

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 Talbot 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 Talbot County HUD Rental Assistance in Talbot County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $16,850 $19,250 $21,650 $25,750 $30,170 $34,590 $39,010 $43,430
50% of Median $28,050 $32,050 $36,050 $40,050 $43,300 $46,500 $49,700 $52,900
80% of Median $44,900 $51,300 $57,700 $64,100 $69,250 $74,400 $79,500 $84,650
Low Income Housing Tax Credits in Talbot 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 2003, 9 low income apartment communities containing 289 rental apartments have been constructed and made affordable to low income persons in Talbot 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 Talbot County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $28,050 $32,050 $36,050 $40,050 $43,300 $46,500 $49,700 $52,900
60% of Median $33,660 $38,460 $43,260 $48,060 $51,960 $55,800 $59,640 $63,480

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 Talbot County is $43,260 a year, or $3,605 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $3,605 by 30% to get a maximum rent of $1,082 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% $701 $751 $901 $1,042 $1,163 $1,283
60% $842 $902 $1,082 $1,250 $1,395 $1,539
Fair Market Rents in Talbot 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.

2019 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$837 $878 $1,161 $1,546 $1,915

Cities In Talbot County

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

City Listings Served By
Easton 1 The HUD funded Public Housing Agencies that serve Easton are the Housing Authority of the Town of Easton and Maryland Department of Housing and Community Development.
St. Michaels 0 The HUD funded Public Housing Agency that serves St. Michaels is the Maryland Department of Housing and Community Development.
St Michaels 4 The HUD funded Public Housing Agency that serves St Michaels is the Maryland Department of Housing and Community Development.
Trappe 1 The HUD funded Public Housing Agency that serves Trappe is the Maryland Department of Housing and Community Development.
Cordova 0 The HUD funded Public Housing Agency that serves Cordova is the Maryland Department of Housing and Community Development.
Oxford 0 The HUD funded Public Housing Agency that serves Oxford is the Maryland Department of Housing and Community Development.
Tilghman Island 0 The HUD funded Public Housing Agency that serves Tilghman Island is the Maryland Department of Housing and Community Development.