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Affordable Housing In Scotia
Schenectady County, New York

1 Low Income Apartment Communities In Scotia

Holyrood House

201 5th St
Scotia, New York
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Guide To Affordable Housing in Scotia, New York

There are 1 low income housing apartment communities offering 96 affordable apartments for rent in Scotia, New York.

Income Based Apartments in Scotia, New York

Scotia features 96 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 Scotia, New York

There are 0 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Scotia.

Housing Choice Vouchers in Scotia, New York

On average, Section 8 Housing Choice vouchers pay Scotia landlords $700 per month towards rent. The average voucher holder contributes $400 towards rent in Scotia.

The maximum amount a voucher would pay on behalf of a low-income tenant in Scotia, New York for a two-bedroom apartment is between $1,005 and $1,229.

2021 Scotia, 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
Scotia, New York Fair Market Rent $809 $912 $1,117 $1,389 $1,515
Scotia, New York Payment Standard Range $728 to $890 $821 to $1,003 $1,005 to $1,229 $1,250 to $1,528 $1,364 to $1,667

Sourced from federal housing data and research.

Scotia, NY Affordable Housing Snapshot

Total Affordable Apartment Properties 1
Total Low Income Apartments 96
Total Housing Units with Rental Assistance 96
Percentage of Housing Units Occupied By Renters 31.1%
Average Renter Household Size 2.08
Average Household Size 2.53
Median Household Income $54,607 ±$6,868
Median Rent $827 ±$126
Percentage Of Renters Overburdened 52.95% ± 14.43pp
Total Population 7,744

Population and Household Demographics

Scotia is a city in Schenectady County, New York with a population of 7,744. There are 3,055 households in the city with an average household size of 2.53 persons. 31.1% of households in Scotia are renters.

Income and Rent Overburden in Scotia

The median gross income for households in Scotia is $54,607 a year, or $4,551 a month. The median rent for the city is $827 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Scotia, a household making less than $2,757 a month would be considered overburdened when renting an apartment at or above the median rent. 52.95% of households who rent are overburdened in Scotia.

Area Median Income In Scotia

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 Scotia, the AMI is calculated from all households within Schenectady County.

In Scotia, HUD calculates the Area Median Income for a family of four as $95,600

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 Scotia

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 Scotia

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 Scotia AMI may qualify for rental assistance programs that target Extremely Low Income households.
$20,100 $23,000 $25,850 $28,700 $31,040 $35,580 $40,120 $44,660
50% AMI Income Limits
Renters earning up to 50% of the Scotia AMI may qualify for rental assistance programs that target Very Low Income households.
$33,500 $38,250 $43,050 $47,800 $51,650 $55,450 $59,300 $63,100
80% AMI Income Limits
Renters earning up to 80% of the Scotia AMI may qualify for rental assistance programs that target Low Income households.
$53,550 $61,200 $68,850 $76,500 $82,650 $88,750 $94,900 $101,000