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Affordable Housing In Garfield
Bergen County, New Jersey

4 Low Income Apartment Communities In Garfield

Gen Pulaski Court

1 Spring Garden Ln
Garfield, New Jersey

Garfield Senior Housing Program 471

15 Commerce St
Garfield, New Jersey
Accepts Vouchers

Belmont Garden

377 Midland Ave
Garfield, New Jersey

Golden Tws

225 Midland Ave
Garfield, New Jersey
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Housing Authorities that serve Garfield

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

Guide To Affordable Housing in Garfield, New Jersey

There are 4 low income housing apartment communities offering 528 affordable apartments for rent in Garfield, New Jersey.

Income Based Apartments in Garfield, New Jersey

Garfield features 456 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 Garfield, New Jersey

There are 72 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Garfield.

Housing Choice Vouchers in Garfield, New Jersey

On average, Section 8 Housing Choice vouchers pay Garfield landlords $900 per month towards rent. The average voucher holder contributes $500 towards rent in Garfield.

The maximum amount a voucher would pay on behalf of a low-income tenant in Garfield, New Jersey for a two-bedroom apartment is between $1,461 and $1,785.

2020 Garfield, 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
Fair Market Rent $1,151 $1,377 $1,623 $2,023 $2,481
Payment Standard Range $1,036 to $1,266 $1,239 to $1,515 $1,461 to $1,785 $1,821 to $2,225 $2,233 to $2,729

Sourced from federal housing data and research.

Garfield, NJ Affordable Housing Snapshot

Total Affordable Apartment Properties 4
Total Low Income Apartments 528
Total Housing Units with Rental Assistance 456
Percentage of Housing Units Occupied By Renters 63.27%
Average Renter Household Size 2.74
Average Household Size 2.87
Median Household Income $45,469 ±$2,704
Median Rent $1,203 ±$25
Percentage Of Renters Overburdened 56.97% ± 5.08pp
Total Population 31,265

Population and Household Demographics

Garfield is a city in Bergen County, New Jersey with a population of 31,265. There are 10,875 households in the city with an average household size of 2.87 persons. 63.27% of households in Garfield are renters.

Income and Rent Overburden in Garfield

The median gross income for households in Garfield is $45,469 a year, or $3,789 a month. The median rent for the city is $1,203 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Garfield, a household making less than $4,010 a month would be considered overburdened when renting an apartment at or above the median rent. 56.97% of households who rent are overburdened in Garfield.

Area Median Income In Garfield

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 Garfield, the AMI is calculated from all households within Bergen County.

In Garfield, HUD calculates the Area Median Income for a family of four as $104,200

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 Garfield

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 Garfield

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $21,900 $25,000 $28,150 $31,250 $33,750 $36,250 $39,640 $44,120
50% of Median $36,500 $41,700 $46,900 $52,100 $56,300 $60,450 $64,650 $68,800
80% of Median $54,950 $62,800 $70,650 $78,500 $84,800 $91,100 $97,350 $103,650