Affordable Housing In McKinley County
New Mexico

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There are 23 low income housing apartment complexes which contain 1,280 affordable apartments for rent in McKinley County, New Mexico. Many of these rental apartments are income based housing with about 639 apartments that set rent based on your income. Often referred to as "HUD apartments", there are 150 Project-Based Section 8 subsidized apartments in McKinley County. There are 1,161 other low income apartments that don't have rental assistance but are still considered to be affordable housing for low income families.

The HUD funded Public Housing Agencies that serve McKinley County are the Taos County Housing Authority and Northern Regional Housing Authority.

Affordable Apartments in McKinley County

351 Cedar Hills Dr
Gallup, New Mexico
Cedar Hills Apartments is a 40 unit low income housing apartment community in Gallup.
Some or all apartments in this community are rent subsidized, which means rent is income based.
Project-Based Section 8
Project Based Rental Assistance
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650 Dani Dr
Gallup, New Mexico
Sagebrush Place Apartments is a 50 unit low income housing apartment community in Gallup.
Some or all apartments in this community are rent subsidized, which means rent is income based.
Project-Based Section 8
Project Based Rental Assistance
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550 Bia Rd
Crownpoint, New Mexico
Crownpoint Group Home is a 12 unit low income housing apartment community in Crownpoint.
Some or all apartments in this community are rent subsidized, which means rent is income based.
Section 202 Supportive Housing for the Elderly
Project Based Rental Assistance
Senior (62+)
Accessible Units
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209 W Adams Ave
Gallup, New Mexico
Gallup Group Home is a 11 unit low income housing apartment community in Gallup.
Some or all apartments in this community are rent subsidized, which means rent is income based.
Section 202 Supportive Housing for the Elderly
Project Based Rental Assistance
Senior (62+)
Accessible Units
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3420 Sanostee Dr
Gallup, New Mexico
Villa Mentmore is a 52 unit low income housing apartment community in Gallup.
Apartments in this community are not rent subsidized. However, this apartment community has rents considered affordable for low income families in Gallup.
Low Income Housing Tax Credit
HOME
Accepts Housing Choice Vouchers
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Housing Authorities that serve McKinley County

The Taos County Housing Authority is a Section 8 and Public Housing public housing agency in Taos, New Mexico.

The Northern Regional Housing Authority is a Section 8 and Public Housing public housing agency in Taos, New Mexico.

Other Housing Authorities located in McKinley County

The Housing Authority of the City of Gallup is a Section 8 and Public Housing public housing agency in Gallup, New Mexico.

Understanding Affordable Housing in McKinley County, New Mexico

McKinley County, NM Affordable Housing Snapshot

Total Affordable Apartment Properties23
Total Low Income Apartments1,280
Total Rent Assisted Apartments639
Percentage of Housing Units Occupied By Renters26.88%
Average Renter Household Size3.67
Total Population73,998
Housing Units18,449
Average Household Size3.97
Median Household Income$28,772 ±$1,243
Median Rent$603 ±$42
Percentage Of Renters Overburdened35.71% ± 4.22pp

Population and Household Demographics

McKinley County is a County in New Mexico with a population of 73,998. There are 18,449 households in the county with an average household size of 3.97 persons. 26.88% of households in McKinley County are renters.

Income and Rent Overburden in McKinley County

The median gross income for households in McKinley County is $28,772 a year, or $2,398 a month. The median rent for the county is $603 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In McKinley County, a household making less than $2,010 a month would be considered overburdened when renting an apartment at or above the median rent.35.71% of households who rent are overburdened in McKinley County.1

Data derived from 2010 Census and 2015 5-Year American Community Survey. Learn More.
1 Margin of Error: ± 4.22 percentage points.

Area Median Income In McKinley 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 McKinley County, HUD calculates the Area Median Income for a family of four as $38,100

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 McKinley 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.

McKinley County HUD Rental Assistance Income Limits

AMI Band1 Person2 Person3 Person4 Person5 Person6 Person7 Person8 Person
30%$12,060$16,240$20,420$24,600$28,250$30,350$32,450$34,550
50%$18,350$20,950$23,550$26,150$28,250$30,350$32,450$34,550
80%$29,300$33,500$37,700$41,850$45,200$48,550$51,900$55,250

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 McKinley County

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

From 1993 to 2003, 8 low income apartment communities containing 366 rental apartments have been constructed and made affordable to low income persons in McKinley County by the Low Income Housing Tax Credit Program.

You can identify apartment communities that participate in the program in McKinley 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.

McKinley County Low Income Housing Tax Credit Income Limits

AMI Band1 Person2 Person3 Person4 Person5 Person6 Person7 Person8 Person
50%$18,350$20,950$23,550$26,150$28,250$30,350$32,450$34,550
60%$22,020$25,140$28,260$31,380$33,900$36,420$38,940$41,460

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 McKinley County is $28,260 a year, or $2,355 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $2,355 by 30% to get a maximum rent of $707 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 AMIStudio2 Bed3 Bed4 Bed1 Bed5 Bed
50%$459$491$589$680$759$838
60%$551$590$707$816$911$1,005

Cities In McKinley County

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

CityListingsServed By
Gallup21The HUD funded Public Housing Agencies that serve Gallup are the Housing Authority of the City of Gallup and Northern Regional Housing Authority.
Crownpoint1The HUD funded Public Housing Agency that serves Crownpoint is the Northern Regional Housing Authority.
Navajo0The HUD funded Public Housing Agency that serves Navajo is the Northern Regional Housing Authority.
Tohatchi0The HUD funded Public Housing Agency that serves Tohatchi is the Northern Regional Housing Authority.
Church Rock1The HUD funded Public Housing Agency that serves Church Rock is the Northern Regional Housing Authority.
Black Rock0The HUD funded Public Housing Agency that serves Black Rock is the Northern Regional Housing Authority.
Brimhall Nizhoni0The HUD funded Public Housing Agency that serves Brimhall Nizhoni is the Northern Regional Housing Authority.
Crystal0The HUD funded Public Housing Agency that serves Crystal is the Northern Regional Housing Authority.
Nakaibito0The HUD funded Public Housing Agency that serves Nakaibito is the Northern Regional Housing Authority.
Pueblo Pintado0The HUD funded Public Housing Agency that serves Pueblo Pintado is the Northern Regional Housing Authority.
Ramah0The HUD funded Public Housing Agency that serves Ramah is the Northern Regional Housing Authority.
Rock Springs0The HUD funded Public Housing Agency that serves Rock Springs is the Northern Regional Housing Authority.
Thoreau0The HUD funded Public Housing Agency that serves Thoreau is the Northern Regional Housing Authority.
Tse Bonito0The HUD funded Public Housing Agency that serves Tse Bonito is the Northern Regional Housing Authority.
Twin Lakes0The HUD funded Public Housing Agency that serves Twin Lakes is the Northern Regional Housing Authority.
Yah ta hey0The HUD funded Public Housing Agency that serves Yah ta hey is the Northern Regional Housing Authority.
Zuni Pueblo0The HUD funded Public Housing Agency that serves Zuni Pueblo is the Northern Regional Housing Authority.
Yah-ta-hey0The HUD funded Public Housing Agency that serves Yah-ta-hey is the Northern Regional Housing Authority.