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Affordable Housing In Schenectady County
New York

Guide To Affordable Housing in Schenectady County, New York

There are 20 low income housing apartment communities offering 1,900 affordable apartments for rent in Schenectady County, New York.

Income Based Apartments in Schenectady County, New York

Schenectady County features 1,569 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 Schenectady County, New York

There are 331 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Schenectady County.

Housing Choice Vouchers in Schenectady County, New York

On average, Section 8 Housing Choice vouchers pay Schenectady County landlords $600 per month towards rent. The average voucher holder contributes $400 towards rent in Schenectady County.

The maximum amount a voucher would pay on behalf of a low-income tenant in Schenectady County, New York for a two-bedroom apartment is between $949 and $1,159.

2020 Schenectady County, New York 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 $747 $855 $1,054 $1,313 $1,428
Payment Standard Range $672 to $822 $770 to $941 $949 to $1,159 $1,182 to $1,444 $1,285 to $1,571

Sourced from federal housing data and research.

Schenectady County, NY Affordable Housing Snapshot

Total Affordable Apartment Properties 20
Total Low Income Apartments 1,900
Total Housing Units with Rental Assistance 1,569
Percentage of Housing Units Occupied By Renters 33.5%
Average Renter Household Size 2.29
Average Household Size 2.65
Median Household Income $58,114 ±$1,661
Median Rent $845 ±$14
Percentage Of Renters Overburdened 50.9% ± 2.85pp
Total Population 154,796

Population and Household Demographics

Schenectady County is a county in New York with a population of 154,796. There are 56,760 households in the county with an average household size of 2.65 persons. 33.5% of households in Schenectady County are renters.

Income and Rent Overburden in Schenectady County

The median gross income for households in Schenectady County is $58,114 a year, or $4,843 a month. The median rent for the county is $845 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Schenectady County, a household making less than $2,817 a month would be considered overburdened when renting an apartment at or above the median rent. 50.9% of households who rent are overburdened in Schenectady County.

Area Median Income In Schenectady 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 Schenectady County, HUD calculates the Area Median Income for a family of four as $99,200

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 Schenectady 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.

Income Qualifications for HUD Rental Assistance in Schenectady County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $20,400 $23,300 $26,200 $29,100 $31,450 $35,160 $39,640 $44,120
50% of Median $33,950 $38,800 $43,650 $48,500 $52,400 $56,300 $60,150 $64,050
80% of Median $54,350 $62,100 $69,850 $77,600 $83,850 $90,050 $96,250 $102,450

Cities In Schenectady County

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

City Served By
Duane Lake
East Glenville
Mariaville Lake
Schenectady The HUD funded Public Housing Agency that serves Schenectady is the Schenectady Municipal Housing Authority.