. Low Income Apartments For Rent in Gardner, Massachusetts - Affordable Housing Online

The Lofts at 30 Pine

30 Pine Street
Gardner, Massachusetts
1-3 BR

Olde English Village

152 Manca Drive
Gardner, Massachusetts
Rent Assisted
1-4 BR

Binnall House

125 Connors Street
Gardner, Massachusetts
Call For Rent
1-2 BR

Wakefield Place

206 Central St
Gardner, Massachusetts
Rent Assisted

Colonial Apartments

19 City Hall Ave
Gardner, Massachusetts
Rent Assisted

Heywood Wakefield Commons

Gardner, Massachusetts

Catherine Street 35

35 Catherine St
Gardner, Massachusetts
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There are 206 low-income apartments in Gardner that offer reduced rents to eligible households. Low-income rents in Gardner, Massachusetts can range from $616 to $1,291 depending on the number of bedrooms.

Rental assistance programs support 342 low-income homes in Gardner where households pay rent based on how much they earn. For 2023, elgible households participating in federally assisted housing pay an average of $371 towards rent each month.

Affordable rent data for some communities last confirmed on January 2nd, 2023. Subdsidized rents typically change once a year based on federal guidance.

Public Housing Agencies Serving Gardner, Massachusetts

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.

Housing Authority Programs
Gardner Housing Authority Section 8 Housing Choice Voucher (HCV)
Massachusetts Department of Housing and Community Development Section 8 Housing Choice Voucher (HCV); Moving to Work
Massachusetts Section 8 Housing Choice Voucher Centralized Waiting List Section 8 Housing Choice Voucher (HCV)
Go to the Massachusetts Public Housing and Low-Income Apartments Waiting Lists page for openings near Gardner.

Gardner, Massachusetts Affordable Housing Data

Income Based Apartments in Gardner, Massachusetts

Gardner features 342 income based apartments. Tenants of income based apartments typically pay no more than 30% of their income towards rent and utilities.

Low Rent Apartments in Gardner, Massachusetts

There are 206 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Gardner.

Housing Choice Vouchers in Gardner, Massachusetts

On average, Section 8 Housing Choice vouchers pay Gardner landlords $800 per month towards rent. The average voucher holder contributes $400 towards rent in Gardner.

The maximum amount a voucher would pay on behalf of a low-income tenant in Gardner, Massachusetts for a two-bedroom apartment is between $1,222 and $1,494.

2023 Gardner, Massachusetts Fair Market Rents and Housing Choice Voucher Payment Standards

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
Gardner, Massachusetts Fair Market Rent $989 $1,047 $1,358 $1,748 $2,040
Gardner, Massachusetts Payment Standard Range $890 to $1,088 $942 to $1,152 $1,222 to $1,494 $1,573 to $1,923 $1,836 to $2,244

Sourced from federal housing data and AffordableHousingOnline.com research.

Gardner, MA Affordable Housing Snapshot

Total Affordable Apartment Properties 7
Total Low Income Apartments 603
Total Housing Units with Rental Assistance 342
Percentage of Housing Units Occupied By Renters 49.39%
Average Renter Household Size 2.09
Average Household Size 2.35
Median Household Income $43,905 ±$3,010
Median Rent $729 ±$25
Percentage Of Renters Overburdened 43.57% ± 6.11pp
Total Population 20,306

Population and Household Demographics

Gardner is a city in Worcester County, Massachusetts with a population of 20,306. There are 8,142 households in the city with an average household size of 2.35 persons. 49.39% of households in Gardner are renters.

Income and Rent Overburden in Gardner

The median gross income for households in Gardner is $43,905 a year, or $3,659 a month. The median rent for the city is $729 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Gardner, a household making less than $2,430 a month would be considered overburdened when renting an apartment at or above the median rent. 43.57% of households who rent are overburdened in Gardner.

Area Median Income In Gardner

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 Gardner, the AMI is calculated from all households within Worcester County.

In Gardner, HUD calculates the Area Median Income for a family of four as $104,400

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 Gardner

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 HUD Rental Assistance in Gardner

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 Gardner AMI may qualify for rental assistance programs that target Extremely Low Income households.
$22,300 $25,500 $28,700 $31,850 $35,140 $40,280 $45,420 $50,560
50% AMI Income Limits
Renters earning up to 50% of the Gardner AMI may qualify for rental assistance programs that target Very Low Income households.
$37,150 $42,450 $47,750 $53,050 $57,300 $61,550 $65,800 $70,050
80% AMI Income Limits
Renters earning up to 80% of the Gardner AMI may qualify for rental assistance programs that target Low Income households.
$59,400 $67,900 $76,400 $84,850 $91,650 $98,450 $105,250 $112,050