Affordable Housing In St Joseph
Buchanan County, Missouri

4 Low Income Apartment Communities In St Joseph

Brookdale East

3414 Messanie St.
St Joseph, Missouri
Call For Rent
1-3 BR

Jeffrey E Smith Development, Inc

3811 Beck Rd
St Joseph, Missouri

Winwood Estates - 99 - 064

N Woodbine And Sherman Ave
St Joseph, Missouri

Whittington Estate Apartments

Buckingham St and Country Lane
St Joseph, Missouri
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Section 8 Vouchers, Apartments, and Waiting Lists in St Joseph, Missouri

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 St Joseph, Missouri

Housing Authority Programs
St. Joseph Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing
ABCD Housing Agency Section 8 Housing Choice Voucher (HCV)

Guide To Affordable Housing in St Joseph, Missouri

There are 4 low income housing apartment communities offering 223 affordable apartments for rent in St Joseph, Missouri.

Income Based Apartments in St Joseph, Missouri

St Joseph features 0 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 St Joseph, Missouri

There are 223 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in St Joseph.

Housing Choice Vouchers in St Joseph, Missouri

On average, Section 8 Housing Choice vouchers pay St Joseph landlords $600 per month towards rent. The average voucher holder contributes $300 towards rent in St Joseph.

The maximum amount a voucher would pay on behalf of a low-income tenant in St Joseph, Missouri for a two-bedroom apartment is between $742 and $906.

2022 St Joseph, Missouri 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
St Joseph, Missouri Fair Market Rent $547 $626 $824 $1,088 $1,171
St Joseph, Missouri Payment Standard Range $492 to $602 $563 to $689 $742 to $906 $979 to $1,197 $1,054 to $1,288

Sourced from federal housing data and AffordableHousingOnline.com research.

St Joseph, MO Affordable Housing Snapshot

Total Affordable Apartment Properties 4
Total Low Income Apartments 223
Total Housing Units with Rental Assistance 0
Percentage of Housing Units Occupied By Renters 40.17%
Average Renter Household Size 2.53
Average Household Size 2.56
Median Household Income $43,298 ±$1,856
Median Rent $707 ±$16
Percentage Of Renters Overburdened 47.05% ± 3.8pp
Total Population 77,037

Population and Household Demographics

St Joseph is a city in Buchanan County, Missouri with a population of 77,037. There are 28,557 households in the city with an average household size of 2.56 persons. 40.17% of households in St Joseph are renters.

Income and Rent Overburden in St Joseph

The median gross income for households in St Joseph is $43,298 a year, or $3,608 a month. The median rent for the city is $707 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In St Joseph, a household making less than $2,357 a month would be considered overburdened when renting an apartment at or above the median rent. 47.05% of households who rent are overburdened in St Joseph.

Area Median Income In St 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 St Joseph, the AMI is calculated from all households within Buchanan County.

In St Joseph, HUD calculates the Area Median Income for a family of four as $67,800

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 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.

Income Qualifications for HUD Rental Assistance in St Joseph

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 St Joseph AMI may qualify for rental assistance programs that target Extremely Low Income households.
$14,000 $17,420 $21,960 $26,500 $31,040 $35,580 $40,120 $44,050
50% AMI Income Limits
Renters earning up to 50% of the St Joseph AMI may qualify for rental assistance programs that target Very Low Income households.
$23,350 $26,700 $30,050 $33,350 $36,050 $38,700 $41,400 $44,050
80% AMI Income Limits
Renters earning up to 80% of the St Joseph AMI may qualify for rental assistance programs that target Low Income households.
$37,350 $42,700 $48,050 $53,350 $57,650 $61,900 $66,200 $70,450