Landis Square Senior Apartments
Luther Acres Apartments
There are 1,780 low-income apartments in Cumberland County that offer reduced rents to eligible households. Low-income rents in Cumberland County, New Jersey can range from $630 to $740 depending on the number of bedrooms.
Rental assistance programs support 2,662 low-income homes in Cumberland County where households pay rent based on how much they earn. For 2023, elgible households participating in federally assisted housing pay an average of $395 towards rent each month.
Affordable rent data for some communities last confirmed on December 28th, 2022. Subdsidized rents typically change once a year based on federal guidance.
Public Housing Agencies Serving Cumberland County, New Jersey
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.
| Housing Authority | Programs |
|---|---|
| State of New Jersey Department of Community Affairs | Section 8 Housing Choice Voucher (HCV) |
Cumberland County, New Jersey Affordable Housing Data
Income Based Apartments in Cumberland County, New Jersey
Cumberland County features 2,662 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 Cumberland County, New Jersey
There are 1,780 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Cumberland County.
Housing Choice Vouchers in Cumberland County, New Jersey
On average, Section 8 Housing Choice vouchers pay Cumberland County landlords $900 per month towards rent. The average voucher holder contributes $400 towards rent in Cumberland County.
The maximum amount a voucher would pay on behalf of a low-income tenant in Cumberland County, New Jersey for a two-bedroom apartment is between $1,324 and $1,618.
2023 Cumberland County, New Jersey 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 | |
|---|---|---|---|---|---|
| Cumberland County, New Jersey Fair Market Rent | $1,095 | $1,143 | $1,471 | $1,941 | $2,079 |
| Cumberland County, New Jersey Payment Standard Range | $986 to $1,205 | $1,029 to $1,257 | $1,324 to $1,618 | $1,747 to $2,135 | $1,871 to $2,287 |
Sourced from federal housing data and AffordableHousingOnline.com research.
Cumberland County, NJ Affordable Housing Snapshot
| Total Affordable Apartment Properties | 48 |
|---|---|
| Total Low Income Apartments | 4,535 |
| Total Housing Units with Rental Assistance | 2,662 |
| Percentage of Housing Units Occupied By Renters | 33.68% |
| Average Renter Household Size | 2.91 |
| Average Household Size | 2.86 |
| Median Household Income | $49,984 ±$1,313 |
| Median Rent | $982 ±$24 |
| Percentage Of Renters Overburdened | 58.18% ± 3.36pp |
| Total Population | 157,035 |
Population and Household Demographics
Cumberland County is a county in New Jersey with a population of 157,035. There are 50,368 households in the county with an average household size of 2.86 persons. 33.68% of households in Cumberland County are renters.
Income and Rent Overburden in Cumberland County
The median gross income for households in Cumberland County is $49,984 a year, or $4,165 a month. The median rent for the county is $982 a month.
Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Cumberland County, a household making less than $3,273 a month would be considered overburdened when renting an apartment at or above the median rent. 58.18% of households who rent are overburdened in Cumberland County.
Area Median Income In Cumberland 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 Cumberland County, HUD calculates the Area Median Income for a family of four as $76,100
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 Cumberland 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 HUD Rental Assistance in Cumberland County
| 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 Cumberland County AMI may qualify for rental assistance programs that target Extremely Low Income households. |
$17,850 | $20,400 | $24,860 | $30,000 | $35,140 | $40,280 | $45,420 | $50,560 |
| 50% AMI Income Limits Renters earning up to 50% of the Cumberland County AMI may qualify for rental assistance programs that target Very Low Income households. |
$29,750 | $34,000 | $38,250 | $42,500 | $45,900 | $49,300 | $52,700 | $56,100 |
| 80% AMI Income Limits Renters earning up to 80% of the Cumberland County AMI may qualify for rental assistance programs that target Low Income households. |
$47,600 | $54,400 | $61,200 | $68,000 | $73,450 | $78,900 | $84,350 | $89,800 |
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