Affordable Housing In Spotswood
Middlesex County, New Jersey

2 Low Income Apartment Communities In Spotswood

Crescent Park

1 Arlington Ave
Spotswood, New Jersey
Elderly Supportive Housing


250 Crescent Ave
Spotswood, New Jersey
Elderly Supportive Housing
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Section 8 Vouchers, Apartments, and Waiting Lists in Spotswood, 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.

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 Spotswood, New Jersey

Housing Authority Programs
Middlesex County Division of Housing and Social Services Section 8 Housing Choice Voucher (HCV)
State of New Jersey Department of Community Affairs Section 8 Housing Choice Voucher (HCV)

Guide To Affordable Housing in Spotswood, New Jersey

There are 2 low income housing apartment communities offering 200 affordable apartments for rent in Spotswood, New Jersey.

Income Based Apartments in Spotswood, New Jersey

Spotswood features 200 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 Spotswood, New Jersey

There are 0 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Spotswood.

Housing Choice Vouchers in Spotswood, New Jersey

On average, Section 8 Housing Choice vouchers pay Spotswood landlords $1,100 per month towards rent. The average voucher holder contributes $400 towards rent in Spotswood.

The maximum amount a voucher would pay on behalf of a low-income tenant in Spotswood, New Jersey for a two-bedroom apartment is between $1,666 and $2,036.

2022 Spotswood, 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
Spotswood, New Jersey Fair Market Rent $1,275 $1,455 $1,851 $2,288 $2,547
Spotswood, New Jersey Payment Standard Range $1,148 to $1,403 $1,310 to $1,601 $1,666 to $2,036 $2,059 to $2,517 $2,292 to $2,802

Sourced from federal housing data and research.

Spotswood, NJ Affordable Housing Snapshot

Total Affordable Apartment Properties 2
Total Low Income Apartments 200
Total Housing Units with Rental Assistance 200
Percentage of Housing Units Occupied By Renters 17.22%
Average Renter Household Size 1.45
Average Household Size 2.54
Median Household Income $74,696 ±$3,586
Median Rent $888 ±$171
Percentage Of Renters Overburdened 63.3% ± 17.21pp
Total Population 8,413

Population and Household Demographics

Spotswood is a city in Middlesex County, New Jersey with a population of 8,413. There are 3,275 households in the city with an average household size of 2.54 persons. 17.22% of households in Spotswood are renters.

Income and Rent Overburden in Spotswood

The median gross income for households in Spotswood is $74,696 a year, or $6,225 a month. The median rent for the city is $888 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Spotswood, a household making less than $2,960 a month would be considered overburdened when renting an apartment at or above the median rent. 63.3% of households who rent are overburdened in Spotswood.

Area Median Income In Spotswood

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 Spotswood, the AMI is calculated from all households within Middlesex County.

In Spotswood, HUD calculates the Area Median Income for a family of four as $135,600

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 Spotswood

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 Spotswood

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 Spotswood AMI may qualify for rental assistance programs that target Extremely Low Income households.
$28,500 $32,600 $36,650 $40,700 $44,000 $47,250 $50,500 $53,750
50% AMI Income Limits
Renters earning up to 50% of the Spotswood AMI may qualify for rental assistance programs that target Very Low Income households.
$47,500 $54,250 $61,050 $67,800 $73,250 $78,650 $84,100 $89,500
80% AMI Income Limits
Renters earning up to 80% of the Spotswood AMI may qualify for rental assistance programs that target Low Income households.
$63,000 $72,000 $81,000 $90,000 $97,200 $104,400 $111,600 $118,800