Affordable Housing Online is monitoring the federal government's response to the coronavirus disease (COVID-19) outbreak. 

An extensive list of coronavirus resources for low-income households can be found here.

Affordable Housing In Ferndale
Cambria County, Pennsylvania

Housing Authorities that serve Ferndale

Housing Authority Programs
Johnstown Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing

Guide To Affordable Housing in Ferndale, Pennsylvania

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

Income Based Apartments in Ferndale, Pennsylvania

Ferndale features 0 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 Ferndale, Pennsylvania

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

Housing Choice Vouchers in Ferndale, Pennsylvania

On average, Section 8 Housing Choice vouchers pay Ferndale landlords $500 per month towards rent. The average voucher holder contributes $300 towards rent in Ferndale.

The maximum amount a voucher would pay on behalf of a low-income tenant in Ferndale, Pennsylvania for a two-bedroom apartment is between $652 and $796.

2021 Ferndale, Pennsylvania 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
Ferndale, Pennsylvania Fair Market Rent $524 $572 $724 $923 $1,041
Ferndale, Pennsylvania Payment Standard Range $472 to $576 $515 to $629 $652 to $796 $831 to $1,015 $937 to $1,145

Sourced from federal housing data and AffordableHousingOnline.com research.

Ferndale, 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 28.47%
Average Renter Household Size 2.25
Average Household Size 2.30
Median Household Income $41,758 ±$3,224
Median Rent $603 ±$52
Percentage Of Renters Overburdened 53.85% ± 15.93pp
Total Population 1,578

Population and Household Demographics

Ferndale is a city in Cambria County, Pennsylvania with a population of 1,578. There are 685 households in the city with an average household size of 2.30 persons. 28.47% of households in Ferndale are renters.

Income and Rent Overburden in Ferndale

The median gross income for households in Ferndale is $41,758 a year, or $3,480 a month. The median rent for the city is $603 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Ferndale, a household making less than $2,010 a month would be considered overburdened when renting an apartment at or above the median rent. 53.85% of households who rent are overburdened in Ferndale.

Area Median Income In Ferndale

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 Ferndale, the AMI is calculated from all households within Cambria County.

In Ferndale, HUD calculates the Area Median Income for a family of four as $65,500

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 Ferndale

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 Ferndale

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 Ferndale AMI may qualify for rental assistance programs that target Extremely Low Income households.
$13,800 $17,420 $21,960 $26,500 $31,040 $35,580 $40,120 $43,250
50% AMI Income Limits
Renters earning up to 50% of the Ferndale AMI may qualify for rental assistance programs that target Very Low Income households.
$22,950 $26,200 $29,500 $32,750 $35,400 $38,000 $40,650 $43,250
80% AMI Income Limits
Renters earning up to 80% of the Ferndale AMI may qualify for rental assistance programs that target Low Income households.
$36,700 $41,950 $47,200 $52,400 $56,600 $60,800 $65,000 $69,200