Saint Joseph a city in Buchanan County, Missouri

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About Affordable Housing In Saint Joseph

There are 43 low income housing apartment complexes which contain 1,771 subsidized apartments for rent in Saint Joseph, Missouri. Many of these rental apartments are income based housing with about 958 apartments that set rent based on your income. Often referred to as "HUD apartments", there are 444 Project-Based Section 8 subsidized apartments in Saint Joseph. There are 1,033 other low income apartments that don't have rental assistance but are still considered to be affordable housing for low income families.

Fair Market Rents are used to establish the payment standards for the Section 8 Housing Choice Voucher Program. In Saint Joseph, the fair market rents range from $498 to $1,114. To learn more about rents for low income apartments in Saint Joseph read the Fair Market Rents section of the Understanding Affordable Housing in Saint Joseph guide.

To qualify for low income housing in Saint Joseph a family of four would generally have to earn less than $30,750. For more detailed income qualification information for affordable apartments in Saint Joseph read the Income section of the Understanding Affordable Housing in Saint Joseph guide.

Housing Authorities that Serve Saint Joseph

The HUD funded Public Housing Agency that serves Saint Joseph is the Grundy County Public Housing Agency.

Affordable Apartments in Saint Joseph

1501 Village Dr
East Ridge Manor is a 80 unit low income housing apartment community in Saint Joseph.
Some or all apartments in this community are rent subsidized, which means rent is income based.
Section 202 Supportive Housing for the Elderly Project Based Rental Assistance Senior (62+) Accessible Units
1601 S 38th St
St Francis Apartments is a 157 unit low income housing apartment community in Saint Joseph.
Some or all apartments in this community are rent subsidized, which means rent is income based.
Section 202 Supportive Housing for the Elderly Project Based Rental Assistance Senior (62+) Accessible Units
1203 Northwood Dr
Northwood Terrace is a 128 unit low income housing apartment community in Saint Joseph.
Some or all apartments in this community are rent subsidized, which means rent is income based.
Project-Based Section 8 Project Based Rental Assistance
3502 Messanie St
Meadow Creek is a 16 unit low income housing apartment community in Saint Joseph.
Some or all apartments in this community are rent subsidized, which means rent is income based.
Section 202 Supportive Housing for the Elderly Project Based Rental Assistance Senior (62+) Accessible Units
3721 Charles St
The Maples Apartments is a 15 unit low income housing apartment community in Saint Joseph.
Some or all apartments in this community are rent subsidized, which means rent is income based.
Section 811 Supportive Housing for Persons with Disabilities Project Based Rental Assistance Accessible Units Persons With Disabilities

Housing Authorities that serve Saint Joseph

The Grundy County Public Housing Agency is a Section 8 public housing agency in Trenton, Missouri.

Other Housing Authorities located in Saint Joseph

Understanding Affordable Housing in Saint Joseph, Missouri

Saint Joseph, MO Affordable Housing Snapshot

Total Affordable Apartment Properties 43
Total Low Income Apartments 1,771
Total Rent Assisted Apartments 958
Percentage of Housing Units Occupied By Renters 39.26%
Average Renter Household Size 2.28
Total Population 76,780
Housing Units 29,727
Average Household Size 2.39
Median Household Income $42,042 ±$1,709
Median Rent $681 ±$17
Percentage Of Renters Overburdened 48.3% ± 3.21pp

Population and Household Demographics

Saint Joseph is a City in Buchanan County, Missouri with a population of 76,780. There are 29,727 households in the city with an average household size of 2.39 persons. 39.26% of households in Saint Joseph are renters.

Income and Rent Overburden in Saint Joseph

The median gross income for households in Saint Joseph is $42,042 a year, or $3,504 a month. The median rent for the city is $681 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Saint Joseph, a household making less than $2,270 a month would be considered overburdened when renting an apartment at or above the median rent. 48.3% of households who rent are overburdened in Saint Joseph.1

Data derived from 2010 Census and 2014 5-Year American Community Survey. Learn More.
1 Margin of Error: ± 3.21 percentage points.

Area Median Income In Saint Joseph

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 Saint Joseph, the AMI is calculated from all households within Buchanan County.

In Saint Joseph, HUD calculates the Area Median Income for a family of four as $61,500

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 Saint Joseph

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.

Saint Joseph Rental Assistance Income Limits
AMI Band 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% $12,950 $16,240 $20,420 $24,600 $28,780 $32,960 $37,140 $40,600
50% $21,550 $24,600 $27,700 $30,750 $33,250 $35,700 $38,150 $40,600
80% $34,450 $39,400 $44,300 $49,200 $53,150 $57,100 $61,050 $64,950

You can identify apartment communities that participate in a program that provides rental assistance by looking for the tags in the apartment list above. View Apartments.

Low Income Housing Tax Credits in Saint Joseph

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

From 1987 to 2012, 28 low income apartment communities containing 901 rental apartments have been constructed and made affordable to low income persons in Saint Joseph by the Low Income Housing Tax Credit Program.

You can identify apartment communities that participate in the program in Saint Joseph by looking for the tag in the apartment list above. View Apartments.

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.

Saint Joseph Low Income Housing Tax Credit Income Limits
AMI Band 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% $21,550 $24,600 $27,700 $30,750 $33,250 $35,700 $38,150 $40,600
HERA 50% $22,450 $25,650 $28,850 $32,050 $34,650 $37,200 $39,750 $42,350
60% $25,860 $29,520 $33,240 $36,900 $39,900 $42,840 $45,780 $48,720
HERA 60% $26,940 $30,780 $34,620 $38,460 $41,580 $44,640 $47,700 $50,820

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 Saint Joseph is $33,240 a year, or $2,770 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $2,770 by 30% to get a maximum rent of $831 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 2 Bed 3 Bed 4 Bed 1 Bed 5 Bed
50% $539 $577 $693 $800 $893 $984
60% $647 $692 $831 $960 $1,071 $1,181
Fair Market Rents in Saint Joseph

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. Saint Joseph has Small Area FMRs, meaning HUD has designated localized payment standards for zip codes within the St. Joseph, MO-KS metropolitan area.

2017 St. Joseph, MO-KS Metropolitan Area Fair Market Rents
Zip Studio One BR Two BR Three BR Four BR
64401 $500 $540 $710 $900 $1,110
64421 $480 $520 $680 $860 $1,060
64422 $480 $520 $680 $860 $1,060
64423 $510 $560 $730 $920 $1,140
64427 $480 $520 $680 $860 $1,060
64429 $460 $540 $680 $900 $1,060
64430 $480 $520 $680 $860 $1,060
64436 $510 $560 $730 $920 $1,140
64439 $550 $660 $820 $1,090 $1,270
64440 $480 $520 $680 $860 $1,060
64443 $480 $520 $680 $860 $1,060
64444 $460 $570 $700 $950 $1,080
64448 $600 $660 $860 $1,090 $1,350
64449 $550 $600 $780 $990 $1,220
64454 $560 $690 $850 $1,140 $1,320
64455 $510 $560 $730 $920 $1,140
64457 $510 $560 $730 $920 $1,140
64459 $510 $560 $730 $920 $1,140
64463 $480 $520 $680 $860 $1,060
64469 $480 $520 $680 $860 $1,060
64474 $470 $530 $680 $870 $1,060
64480 $510 $560 $730 $920 $1,140
64483 $520 $570 $740 $940 $1,160
64484 $580 $650 $840 $1,080 $1,310
64485 $480 $530 $690 $870 $1,080
64490 $510 $590 $750 $970 $1,170
64494 $480 $520 $680 $860 $1,060
64497 $480 $520 $680 $860 $1,060
64501 $480 $520 $680 $860 $1,060
64502 $500 $540 $710 $900 $1,110
64503 $520 $570 $740 $940 $1,160
64504 $490 $540 $700 $890 $1,100
64505 $500 $540 $710 $900 $1,110
64506 $520 $570 $740 $940 $1,160
64507 $560 $610 $800 $1,010 $1,250
64508 $500 $540 $710 $900 $1,110
64670 $480 $520 $680 $860 $1,060
66002 $460 $530 $680 $890 $1,060
66008 $480 $520 $680 $860 $1,060
66017 $480 $520 $680 $860 $1,060
66024 $480 $520 $680 $860 $1,060
66035 $480 $520 $680 $860 $1,060
66041 $480 $520 $680 $860 $1,060
66087 $480 $520 $680 $860 $1,060
66090 $520 $570 $740 $940 $1,160
66094 $480 $520 $680 $860 $1,060
66532 $560 $610 $800 $1,010 $1,250