Cheap Apartments In Bergen County
New Jersey


Waiting List Openings In Bergen County

Waiting ListStatus
State of New Jersey Department of Community Affairs Housing Choice Voucher Open Soon

Low Income Apartments In Bergen County

Westmoor Gardens

4 Slocum Ave
Englewood, NJ
Income Based
1-4 BR
Subsidized

De Vries Park

200 Union St
Lodi, NJ
Income Based
1 BR

Westgate Apartments

12 Westgate Apartments
Washington, NJ
$650-806
1-2 BR

The Willows at Wesmont Station

100 Johnson Drive
Wood Ridge, NJ
HCV Welcome

Brookside Gardens

239 Murray Hill Ter
Bergenfield, NJ
Subsidized

640 American Legion Drive

640 American Legion Dr
Teaneck, NJ
Income Based
1-3 BR
HCV Welcome

Ridgefield Park Senior Citizens Housing T a Ryan

278 Main St
Ridgefield Park, NJ
62+
Accessible
Elderly Supportive Housing
Subsidized

Malcolm Towers

475 Main St
Fort Lee, NJ
Subsidized

Leonia Retirement Housing II

270 Glenwood Avenue
Leonia, NJ
62+
Accessible
Elderly Supportive Housing
Subsidized

Liberty Place At Fort Lee

101 Cedar St
Fort Lee, NJ
HCV Welcome

There are 72 low income housing apartment complexes which contain 5,578 affordable apartments for rent in Bergen County, New Jersey. Many of these rental apartments are income based housing with about 4,285 apartments that set rent based on your income. Often referred to as "HUD apartments", there are 1,094 Project-Based Section 8 subsidized apartments in Bergen County. There are 1,077 other low income apartments that don't have rental assistance but are still considered to be affordable housing for low income families.

Housing Authorities that serve Bergen County

Housing Authority Programs
Housing Authority of Bergen County Section 8 Housing Choice Voucher; Public Housing
State of New Jersey Department of Community Affairs Public Housing

Other Housing Authorities located in Bergen County

Housing Authority Programs
Housing Authority of the Borough of Lodi Section 8 Housing Choice Voucher; Public Housing
Hackensack Housing Authority Public Housing
Garfield Housing Authority Public Housing
Englewood Housing Authority Section 8 Housing Choice Voucher; Public Housing
Cliffside Park Housing Authority Section 8 Housing Choice Voucher; Public Housing
Fort Lee Housing Authority Section 8 Housing Choice Voucher; Public Housing
Edgewater Housing Authority Section 8 Housing Choice Voucher; Public Housing

Understanding Affordable Housing in Bergen County, New Jersey

Bergen County, NJ Affordable Housing Snapshot

Total Affordable Apartment Properties 72
Total Low Income Apartments 5,578
Total Rent Assisted Apartments 4,285
Percentage of Housing Units Occupied By Renters 35.18%
Average Renter Household Size 2.39
Total Population 926,330
Housing Units 335,550
Average Household Size 2.73
Median Household Income $85,806 ±$994
Median Rent $1,348 ±$12
Percentage Of Renters Overburdened 47.51% ± 1.33pp

Population and Household Demographics

Bergen County is a County in New Jersey with a population of 926,330. There are 335,550 households in the county with an average household size of 2.73 persons. 35.18% of households in Bergen County are renters.

Income and Rent Overburden in Bergen County

The median gross income for households in Bergen County is $85,806 a year, or $7,151 a month. The median rent for the county is $1,348 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Bergen County, a household making less than $4,493 a month would be considered overburdened when renting an apartment at or above the median rent. 47.51% of households who rent are overburdened in Bergen County.1

Data derived from 2010 Census and 2015 5-Year American Community Survey. Learn More.
1 Margin of Error: ± 1.33 percentage points.

Area Median Income In Bergen County

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.

In Bergen County, HUD calculates the Area Median Income for a family of four as $102,300

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 Bergen County

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 Bergen County HUD Rental Assistance in Bergen County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $21,500 $24,600 $27,650 $30,700 $33,200 $35,650 $38,100 $42,380
50% of Median $35,850 $40,950 $46,050 $51,150 $55,250 $59,350 $63,450 $67,550
80% of Median $51,550 $58,900 $66,250 $73,600 $79,500 $85,400 $91,300 $97,200

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 Bergen County

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

From 1995 to 2009, 11 low income apartment communities containing 732 rental apartments have been constructed and made affordable to low income persons in Bergen County by the Low Income Housing Tax Credit Program.

You can identify apartment communities that participate in the program in Bergen County 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.

Income Qualifications for Low Income Housing Tax Credit Apartments in Bergen County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $35,850 $40,950 $46,050 $51,150 $55,250 $59,350 $63,450 $67,550
HERA 50% $36,050 $41,200 $46,350 $51,500 $55,650 $59,750 $63,900 $68,000
60% of Median $43,020 $49,140 $55,260 $61,380 $66,300 $71,220 $76,140 $81,060
HERA 60% $43,260 $49,440 $55,620 $61,800 $66,780 $71,700 $76,680 $81,600

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 Bergen County is $55,260 a year, or $4,605 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $4,605 by 30% to get a maximum rent of $1,382 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% $896 $960 $1,151 $1,330 $1,484 $1,638
60% $1,076 $1,152 $1,382 $1,596 $1,781 $1,965
Fair Market Rents in Bergen County

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
$1,202 $1,425 $1,674 $2,111 $2,559

Cities In Bergen County

Select A City to View its Apartment Communities and Waiting Lists.

City Listings Served By
Hillsdale 2 The HUD funded Public Housing Agencies that serve Hillsdale are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Englewood 5 The HUD funded Public Housing Agencies that serve Englewood are the Englewood Housing Authority, Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Garfield 4 The HUD funded Public Housing Agencies that serve Garfield are the Garfield Housing Authority, Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Paramus 3 The HUD funded Public Housing Agencies that serve Paramus are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Maywood 2 The HUD funded Public Housing Agencies that serve Maywood are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Ridgefield Park 2 The HUD funded Public Housing Agencies that serve Ridgefield Park are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Park Ridge 1 The HUD funded Public Housing Agencies that serve Park Ridge are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Washington 4 The HUD funded Public Housing Agencies that serve Washington are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Leonia 1 The HUD funded Public Housing Agencies that serve Leonia are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Rutherford 1 The HUD funded Public Housing Agencies that serve Rutherford are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Fort Lee 5 The HUD funded Public Housing Agencies that serve Fort Lee are the Housing Authority of Bergen County, Fort Lee Housing Authority and State of New Jersey Department of Community Affairs.
Ramsey 2 The HUD funded Public Housing Agencies that serve Ramsey are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
River Vale 0 The HUD funded Public Housing Agencies that serve River Vale are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Cresskill 1 The HUD funded Public Housing Agencies that serve Cresskill are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Edgewater 3 The HUD funded Public Housing Agencies that serve Edgewater are the Housing Authority of Bergen County, Edgewater Housing Authority and State of New Jersey Department of Community Affairs.
Closter 2 The HUD funded Public Housing Agencies that serve Closter are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Haworth 1 The HUD funded Public Housing Agencies that serve Haworth are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Teaneck 2 The HUD funded Public Housing Agencies that serve Teaneck are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Glen Rock 1 The HUD funded Public Housing Agencies that serve Glen Rock are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Hackensack 4 The HUD funded Public Housing Agencies that serve Hackensack are the Hackensack Housing Authority, Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Midland Park 2 The HUD funded Public Housing Agencies that serve Midland Park are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Westwood 1 The HUD funded Public Housing Agencies that serve Westwood are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Tenafly 1 The HUD funded Public Housing Agencies that serve Tenafly are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Bergenfield 1 The HUD funded Public Housing Agencies that serve Bergenfield are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Dumont 4 The HUD funded Public Housing Agencies that serve Dumont are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
South Hackensack 1 The HUD funded Public Housing Agencies that serve South Hackensack are the Housing Authority of Bergen County and State of New Jersey Department of Community Affairs.
Norwood 0 The HUD funded Public Housing Agency that serves Norwood is the State of New Jersey Department of Community Affairs.
Oakland 0 The HUD funded Public Housing Agency that serves Oakland is the State of New Jersey Department of Community Affairs.
Allendale 0
Alpine 0
Bogota 0
Carlstadt 0
Cliffside Park 1
Demarest 0
East Rutherford 1
Elmwood Park 0
Emerson 0
Englewood Cliffs 0
Fair Lawn 0
Fairview 4
Franklin Lakes 0
Harrington Park 0
Hasbrouck Heights 0
Ho Ho Kus 0
Little Ferry 0
Lodi 1
Lyndhurst 1
Mahwah 1
Montvale 0
Moonachie 0
New Milford 0
North Arlington 0
Northvale 0
Old Tappan 0
Oradell 0
Palisades Park 2
Ridgefield 0
Ridgewood 3
River Edge 0
River Valeship 0
Rochelle Park 0
Rockleigh 0
Saddle Brook 0
Saddle River 0
South Hackensackship 0
Teaneckship 0
Teterboro 0
Upper Saddle River 0
Waldwick 0
Wallington 0
Washingtonship 0
Woodcliff Lake 1
Wood Ridge 1
Wyckoff 0
Ho-Ho-Kus 0
Wood-Ridge 0