Affordable Housing In Scotchtown
Orange County, New York

Housing Authorities that serve Scotchtown

Housing Authority Programs
PathStone Section 8 Housing Choice Voucher (HCV)

Guide To Affordable Housing in Scotchtown, New York

There are 0 low income housing apartment communities offering 0 affordable apartments for rent in Scotchtown, New York. Scotchtown features 0 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 0 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Scotchtown.

Sourced from federal housing data and AffordableHousingOnline.com research.

Scotchtown, NY Affordable Housing Snapshot

Total Affordable Apartment Properties 0
Total Low Income Apartments 0
Total Housing Units with Rental Assistance 0
Percentage of Housing Units Occupied By Renters 37.01%
Average Renter Household Size 2.38
Average Household Size 2.83
Median Household Income $65,991 ±$3,616
Median Rent $1,209 ±$45
Percentage Of Renters Overburdened 45.47% ± 11.54pp
Total Population 9,061

Population and Household Demographics

Scotchtown is a City in Orange County, New York with a population of 9,061. There are 3,191 households in the city with an average household size of 2.83 persons. 37.01% of households in Scotchtown are renters.

Income and Rent Overburden in Scotchtown

The median gross income for households in Scotchtown is $65,991 a year, or $5,499 a month. The median rent for the city is $1,209 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Scotchtown, a household making less than $4,030 a month would be considered overburdened when renting an apartment at or above the median rent. 45.47% of households who rent are overburdened in Scotchtown.1

Area Median Income In Scotchtown

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 Scotchtown, the AMI is calculated from all households within Orange County.

In Scotchtown, HUD calculates the Area Median Income for a family of four as $96,600

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 Scotchtown

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 Scotchtown HUD Rental Assistance in Scotchtown

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $20,300 $23,200 $26,100 $29,000 $31,350 $34,590 $39,010 $43,430
50% of Median $33,850 $38,650 $43,500 $48,300 $52,200 $56,050 $59,900 $63,800
80% of Median $52,850 $60,400 $67,950 $75,500 $81,550 $87,600 $93,650 $99,700

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.

Income Qualifications for Low Income Housing Tax Credit Apartments in Scotchtown

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $33,850 $38,650 $43,500 $48,300 $52,200 $56,050 $59,900 $63,800
60% of Median $40,620 $46,380 $52,200 $57,960 $62,640 $67,260 $71,880 $76,560

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 Scotchtown is $52,200 a year, or $4,350 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $4,350 by 30% to get a maximum rent of $1,305 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 AMI Studio 1 Bed 2 Bed 3 Bed 4 Bed 5 Bed
50% $846 $906 $1,088 $1,256 $1,401 $1,546
60% $1,016 $1,088 $1,305 $1,508 $1,682 $1,856
Fair Market Rents in Scotchtown

Fair Market Rents, often abbreviated as FMR, can be used to better understand the average housing costs of an area. Notably, Fair Market Rents are used to establish the payment standards for the Housing Choice Voucher Program, maximum rents in HOME financed rental projects and initial rents for Section 8 project based assistance.

2020 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$1,021 $1,112 $1,397 $1,780 $2,049