Affordable Housing In Cumberland County
New Jersey

43 Low Income Apartment Communities In Cumberland County

Vineland Gardens

6th & Catherin Sts
Vineland, NJ
Income Based
1-3 BR
Subsidized

Walnut Manor Apartments

794 E. Walnut Road
Vineland, NJ
Call For Rent
1-3 BR
Subsidized

Oakview Apartments

1701 E Broad St
Millville, NJ
Call For Rent
1-4 BR
HCV Welcome

The Willows at Bridgeton

76 Lakeview Ave
Bridgeton, NJ
Accessible
HCV Welcome

Luther Acres Apartments

560 Sarah Pl
Vineland, NJ
Call For Rent
1-2 BR
62+
Accessible
Elderly Supportive Housing
Subsidized

Landis Square Senior Apartments

925 Landis Avenue
Vineland, NJ
$630-740
1-2 BR
HCV Welcome

Countryside Village

99 Deerfield Drive
Seabrook, NJ
HCV Welcome

Spring Garden Senior Housing

1781 S Spring Rd
Vineland, NJ
62+
Accessible
Elderly Supportive Housing
Subsidized

Hopewell Senior Place

40 Old Stagecoach Rd
Bridgeton, NJ
HCV Welcome

Bridgeton Villas I

205 Cottage Ave
Bridgeton, NJ
Subsidized

Housing Authorities that serve Cumberland County

Housing Authority Programs
State of New Jersey Department of Community Affairs Section 8 Housing Choice Voucher (HCV)

Other Housing Authorities located in Cumberland County

Housing Authority Programs
Bridgeton Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing
Millville Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing
Vineland Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing

Guide To Affordable Housing in Cumberland County, New Jersey

According to federal housing data and AffordableHousingOnline.com research, there are 43 low income housing apartment communities offering 4,408 affordable apartments for rent in Cumberland County, New Jersey. Cumberland County features 2,715 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 1,693 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Cumberland County.

Cumberland County, NJ Affordable Housing Snapshot

Total Affordable Apartment Properties 43
Total Low Income Apartments 4,408
Total Housing Units with Rental Assistance 2,715
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.1

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 $64,500

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 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 Cumberland County HUD Rental Assistance in Cumberland County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $15,050 $17,200 $21,330 $25,750 $30,170 $34,590 $39,010 $43,430
50% of Median $25,100 $28,650 $32,250 $35,800 $38,700 $41,550 $44,400 $47,300
80% of Median $40,150 $45,850 $51,600 $57,300 $61,900 $66,500 $71,100 $75,650
Low Income Housing Tax Credits in Cumberland County

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

From 1990 to 2008, 15 low income apartment communities containing 1,290 rental apartments have been constructed and made affordable to low income persons in Cumberland County by the Low Income Housing Tax Credit Program.

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 Cumberland County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $25,100 $28,650 $32,250 $35,800 $38,700 $41,550 $44,400 $47,300
60% of Median $30,120 $34,380 $38,700 $42,960 $46,440 $49,860 $53,280 $56,760

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 Cumberland County is $38,700 a year, or $3,225 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $3,225 by 30% to get a maximum rent of $968 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% $628 $672 $806 $931 $1,039 $1,146
60% $753 $806 $968 $1,118 $1,247 $1,376
Fair Market Rents in Cumberland 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.

2020 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$853 $960 $1,259 $1,670 $1,985

Cities In Cumberland County

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

City Listings Served By
Vineland 13 The HUD funded Public Housing Agencies that serve Vineland are the Vineland Housing Authority and State of New Jersey Department of Community Affairs.
Bridgeton 11 The HUD funded Public Housing Agencies that serve Bridgeton are the Bridgeton Housing Authority and State of New Jersey Department of Community Affairs.
Millville 12 The HUD funded Public Housing Agencies that serve Millville are the Millville Housing Authority and State of New Jersey Department of Community Affairs.
Port Norris 2 The HUD funded Public Housing Agency that serves Port Norris is the State of New Jersey Department of Community Affairs.
Lawrence 4 The HUD funded Public Housing Agency that serves Lawrence is the State of New Jersey Department of Community Affairs.
Cedarville 0
Commercial 0
Deerfield 0
Downe 0
Fairfield 0
Fairton 0
Greenwich 0
Hopewell 0
Laurel Lake 0
Lawrenceship 0
Maurice River 0
Rosenhayn 0
Seabrook Farms 0
Shiloh 0
Stow Creek 0
Upper Deerfield 0