Affordable Housing In St. Clair Shores
Macomb County Michigan

There are 0 low income housing apartment complexes which contain 0 affordable apartments for rent in St. Clair Shores. Many of these rental apartments are income based housing with 0 apartments that set rent based on your income. In St. Clair Shores, HUD housing programs support 0 rental assistance apartments through programs like Project-based Section 8. There are 0 other low income apartments that don't have rental assistance but are cheaper than market rate rents.

Housing Authorities that serve St. Clair Shores

Housing Authority Programs
Detroit Housing Commission Section 8 Housing Choice Voucher (HCV); Public Housing
Michigan State Housing Development Authority Section 8 Housing Choice Voucher (HCV); Homeownership Voucher; Family Self-sufficiency; Section 8 Project-Based Voucher (PBV)
Plymouth Housing Commission Section 8 Housing Choice Voucher (HCV); Rental Assistance Demonstration (RAD); Family Self-sufficiency; Public Housing; Family Unification Program (FUP)
Ferndale Housing Commission Section 8 Housing Choice Voucher (HCV); Public Housing
Eastpointe Housing Commission Section 8 Housing Choice Voucher (HCV); Public Housing

Guide To Affordable Housing in St. Clair Shores, Michigan

St. Clair Shores, MI Affordable Housing Snapshot

Total Affordable Apartment Properties 0
Total Low Income Apartments 0
Total Rent Assisted Apartments 0
Percentage of Housing Units Occupied By Renters 22.48%
Average Renter Household Size 2.24
Total Population 59,888
Housing Units 26,808
Average Household Size 2.22
Median Household Income $53,093 ±$1,697
Median Rent $925 ±$31
Percentage Of Renters Overburdened 42.05% ± 3.73pp

Population and Household Demographics

St. Clair Shores is a City in Macomb County, Michigan with a population of 59,888. There are 26,808 households in the city with an average household size of 2.22 persons. 22.48% of households in St. Clair Shores are renters.

Income and Rent Overburden in St. Clair Shores

The median gross income for households in St. Clair Shores is $53,093 a year, or $4,424 a month. The median rent for the city is $925 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In St. Clair Shores, a household making less than $3,083 a month would be considered overburdened when renting an apartment at or above the median rent. 42.05% of households who rent are overburdened in St. Clair Shores.1

Area Median Income In St. Clair Shores

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 St. Clair Shores, the AMI is calculated from all households within Macomb County.

In St. Clair Shores, HUD calculates the Area Median Income for a family of four as $76,300

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 St. Clair Shores

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 St. Clair Shores HUD Rental Assistance in St. Clair Shores

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $16,050 $18,350 $21,330 $25,750 $30,170 $34,590 $39,010 $43,430
50% of Median $26,750 $30,550 $34,350 $38,150 $41,250 $44,300 $47,350 $50,400
80% of Median $42,750 $48,850 $54,950 $61,050 $65,950 $70,850 $75,750 $80,600

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 St. Clair Shores

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
60% of Median $32,100 $36,660 $41,220 $45,780 $49,500 $53,160 $56,820 $60,480

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 St. Clair Shores is $41,220 a year, or $3,435 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $3,435 by 30% to get a maximum rent of $1,031 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% $669 $716 $859 $993 $1,108 $1,222
60% $803 $860 $1,031 $1,191 $1,329 $1,466
Fair Market Rents in St. Clair Shores

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
$621 $753 $967 $1,261 $1,371