Affordable Housing In Ludington
Mason County, Michigan

5 Low Income Apartment Communities In Ludington

Birch Lake

926 E Tinkham Ave
Ludington, Michigan
Call For Rent
1-2 BR

Pine Way

1111 Pineway St
Ludington, Michigan

Longfellow Towers

301 E Court St
Ludington, Michigan

Lawndale Apartments

900 Lawndale St
Ludington, Michigan
Elderly Supportive Housing

O&s Peterson Farms

3363 Brunson Rd
Ludington, Michigan
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Section 8 Vouchers, Apartments, and Waiting Lists in Ludington, Michigan

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.

Households who qualify for these programs may also qualify for Project-Based Section 8, which contributes rental assistance payments directly to private landlords on behalf of low-income tenants. Eligibility for the project-based program is similar to the voucher programs, but waiting list and application policies will vary depending on the landlord.

Public Housing Agencies Serving Ludington, Michigan

Housing Authority Programs
Michigan State Housing Development Authority Section 8 Housing Choice Voucher (HCV); Homeownership Voucher; Family Self-Sufficiency; Veteran Affairs Supportive Housing (VASH); Section 8 Project-Based Voucher (PBV)

Guide To Affordable Housing in Ludington, Michigan

There are 5 low income housing apartment communities offering 279 affordable apartments for rent in Ludington, Michigan.

Income Based Apartments in Ludington, Michigan

Ludington features 229 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 Ludington, Michigan

There are 48 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Ludington.

Housing Choice Vouchers in Ludington, Michigan

On average, Section 8 Housing Choice vouchers pay Ludington landlords $600 per month towards rent. The average voucher holder contributes $200 towards rent in Ludington.

The maximum amount a voucher would pay on behalf of a low-income tenant in Ludington, Michigan for a two-bedroom apartment is between $697 and $851.

2022 Ludington, Michigan 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
Ludington, Michigan Fair Market Rent $576 $588 $774 $973 $1,050
Ludington, Michigan Payment Standard Range $518 to $634 $529 to $647 $697 to $851 $876 to $1,070 $945 to $1,155

Sourced from federal housing data and research.

Ludington, MI Affordable Housing Snapshot

Total Affordable Apartment Properties 5
Total Low Income Apartments 279
Total Housing Units with Rental Assistance 229
Percentage of Housing Units Occupied By Renters 42.91%
Average Renter Household Size 2.04
Average Household Size 2.11
Median Household Income $33,777 ±$4,493
Median Rent $619 ±$53
Percentage Of Renters Overburdened 48.41% ± 7.77pp
Total Population 8,055

Population and Household Demographics

Ludington is a city in Mason County, Michigan with a population of 8,055. There are 3,668 households in the city with an average household size of 2.11 persons. 42.91% of households in Ludington are renters.

Income and Rent Overburden in Ludington

The median gross income for households in Ludington is $33,777 a year, or $2,815 a month. The median rent for the city is $619 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Ludington, a household making less than $2,063 a month would be considered overburdened when renting an apartment at or above the median rent. 48.41% of households who rent are overburdened in Ludington.

Area Median Income In Ludington

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 Ludington, the AMI is calculated from all households within Mason County.

In Ludington, HUD calculates the Area Median Income for a family of four as $64,700

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 Ludington

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 Ludington

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 Ludington AMI may qualify for rental assistance programs that target Extremely Low Income households.
$13,600 $17,420 $21,960 $26,500 $31,040 $35,580 $40,120 $42,750
50% AMI Income Limits
Renters earning up to 50% of the Ludington AMI may qualify for rental assistance programs that target Very Low Income households.
$22,650 $25,900 $29,150 $32,350 $34,950 $37,550 $40,150 $42,750
80% AMI Income Limits
Renters earning up to 80% of the Ludington AMI may qualify for rental assistance programs that target Low Income households.
$36,250 $41,400 $46,600 $51,750 $55,900 $60,050 $64,200 $68,350