Affordable Housing In Cross Roads
York County, Pennsylvania

Housing Authorities that serve Cross Roads

Housing Authority	Programs
Housing Authority of the City of York	Section 8 Housing Choice Voucher (HCV); Public Housing

Guide To Affordable Housing in Cross Roads, Pennsylvania

There are 0 low income housing apartment communities offering 0 affordable apartments for rent in Cross Roads, Pennsylvania. Cross Roads 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 Cross Roads.

Sourced from federal housing data and AffordableHousingOnline.com research.

Cross Roads, PA 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	12.22%
Average Renter Household Size	2.41
Average Household Size	3.09
Median Household Income	$67,500 ±$10,348
Median Rent	$1,250 ±$247
Percentage Of Renters Overburdened	54.55% ± 53.97pp
Total Population	556

Population and Household Demographics

Cross Roads is a City in York County, Pennsylvania with a population of 556. There are 180 households in the city with an average household size of 3.09 persons. 12.22% of households in Cross Roads are renters.

Income and Rent Overburden in Cross Roads

The median gross income for households in Cross Roads is $67,500 a year, or $5,625 a month. The median rent for the city is $1,250 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Cross Roads, a household making less than $4,167 a month would be considered overburdened when renting an apartment at or above the median rent. 54.55% of households who rent are overburdened in Cross Roads.¹

Area Median Income In Cross Roads

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 Cross Roads, the AMI is calculated from all households within York County.

In Cross Roads, HUD calculates the Area Median Income for a family of four as $76,600

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 Cross Roads

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 Cross Roads HUD Rental Assistance in Cross Roads

Income	1 Person	2 Person	3 Person	4 Person	5 Person	6 Person	7 Person	8 Person
30% of Median	$16,100	$18,400	$21,330	$25,750	$30,170	$34,590	$39,010	$43,430
50% of Median	$26,850	$30,650	$34,500	$38,300	$41,400	$44,450	$47,500	$50,600
80% of Median	$42,950	$49,050	$55,200	$61,300	$66,250	$71,150	$76,050	$80,950

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 Cross Roads

Income	1 Person	2 Person	3 Person	4 Person	5 Person	6 Person	7 Person	8 Person
50% of Median	$26,850	$30,650	$34,500	$38,300	$41,400	$44,450	$47,500	$50,600
60% of Median	$32,220	$36,780	$41,400	$45,960	$49,680	$53,340	$57,000	$60,720

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 Cross Roads is $41,400 a year, or $3,450 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $3,450 by 30% to get a maximum rent of $1,035 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%	$671	$719	$863	$996	$1,111	$1,226
60%	$806	$863	$1,035	$1,196	$1,334	$1,472

Fair Market Rents in Cross Roads

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
$634	$739	$973	$1,230	$1,333