. Low Income Apartments For Rent in Shiprock, New Mexico - Affordable Housing Online

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Shiprock & Napi

71 Candle Light
Shiprock, New Mexico

Chaco River Apartments l & ll

Hwy 491 And Navajo Dr
Shiprock, New Mexico
Rent Assisted
S. 515 Rural
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There are 24 low-income apartments in Shiprock that offer reduced rents to eligible households.

Rental assistance programs support 212 low-income homes in Shiprock where households pay rent based on how much they earn.

Affordable rent data for some communities last confirmed on June 14th, 2022. Subdsidized rents typically change once a year based on federal guidance.

Public Housing Agencies Serving Shiprock, New Mexico

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
Housing Authority of the County of San Juan Section 8 Housing Choice Voucher (HCV)
Northern Regional Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing; Veteran Affairs Supportive Housing (VASH)
Go to the New Mexico Public Housing and Low-Income Apartments Waiting Lists page for openings near Shiprock.

Shiprock, New Mexico Affordable Housing Data

Income Based Apartments in Shiprock, New Mexico

Shiprock features 212 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 Shiprock, New Mexico

There are 24 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Shiprock.

Housing Choice Vouchers in Shiprock, New Mexico

On average, Section 8 Housing Choice vouchers pay Shiprock landlords $0 per month towards rent. The average voucher holder contributes $0 towards rent in Shiprock.

The maximum amount a voucher would pay on behalf of a low-income tenant in Shiprock, New Mexico for a two-bedroom apartment is between $818 and $1,000.

2023 Shiprock, New Mexico 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
Shiprock, New Mexico Fair Market Rent $756 $769 $909 $1,277 $1,391
Shiprock, New Mexico Payment Standard Range $680 to $832 $692 to $846 $818 to $1,000 $1,149 to $1,405 $1,252 to $1,530

Sourced from federal housing data and AffordableHousingOnline.com research.

Shiprock, NM Affordable Housing Snapshot

Total Affordable Apartment Properties 2
Total Low Income Apartments 236
Total Housing Units with Rental Assistance 212
Percentage of Housing Units Occupied By Renters 44.13%
Average Renter Household Size 3.77
Average Household Size 3.86
Median Household Income $32,324 ±$8,103
Median Rent $488 ±$28
Percentage Of Renters Overburdened 23.98% ± 7.03pp
Total Population 8,496

Population and Household Demographics

Shiprock is a city in San Juan County, New Mexico with a population of 8,496. There are 2,173 households in the city with an average household size of 3.86 persons. 44.13% of households in Shiprock are renters.

Income and Rent Overburden in Shiprock

The median gross income for households in Shiprock is $32,324 a year, or $2,694 a month. The median rent for the city is $488 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Shiprock, a household making less than $1,627 a month would be considered overburdened when renting an apartment at or above the median rent. 23.98% of households who rent are overburdened in Shiprock.

Area Median Income In Shiprock

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 Shiprock, the AMI is calculated from all households within San Juan County.

In Shiprock, HUD calculates the Area Median Income for a family of four as $61,100

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 Shiprock

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 Shiprock

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30% AMI Income Limits
Renters earning up to 30% of the Shiprock AMI may qualify for rental assistance programs that target Extremely Low Income households.
$14,580 $19,720 $24,860 $30,000 $35,140 $38,950 $41,650 $44,300
50% AMI Income Limits
Renters earning up to 50% of the Shiprock AMI may qualify for rental assistance programs that target Very Low Income households.
$23,500 $26,850 $30,200 $33,550 $36,250 $38,950 $41,650 $44,300
80% AMI Income Limits
Renters earning up to 80% of the Shiprock AMI may qualify for rental assistance programs that target Low Income households.
$37,600 $43,000 $48,350 $53,700 $58,000 $62,300 $66,600 $70,900