Affordable Housing In Shiprock
San Juan County, New Mexico

2 Low Income Apartment Communities In Shiprock

Housing Authorities that serve Shiprock

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)

Guide To Affordable Housing in Shiprock, New Mexico

There are 2 low income housing apartment communities offering 236 affordable apartments for rent in Shiprock, New Mexico.

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 $722 and $882.

2021 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	$687	$695	$802	$1,055	$1,224
Shiprock, New Mexico Payment Standard Range	$618 to $756	$626 to $765	$722 to $882	$950 to $1,161	$1,102 to $1,346

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 $54,700

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

	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 Shiprock AMI may qualify for rental assistance programs that target Extremely Low Income households.	$13,200	$17,240	$21,720	$26,200	$30,680	$35,160	$38,950	$41,450
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.	$22,000	$25,150	$28,300	$31,400	$33,950	$36,450	$38,950	$41,450
80% AMI Income Limits Renters earning up to 80% of the Shiprock AMI may qualify for rental assistance programs that target Low Income households.	$35,250	$40,250	$45,300	$50,300	$54,350	$58,350	$62,400	$66,400