Affordable Housing In Northern Cambria
Cambria County, Pennsylvania

6 Low Income Apartment Communities In Northern Cambria

Kennedy Court

819 23rd St
Northern Cambria, PA
Accessible
Disabled Supportive Housing
Subsidized

Cherry Ridge Terrace

1 Cherry Ridge Ter
Northern Cambria, PA
Subsidized

Chestnut Commons

281 Dogwood St
Northern Cambria, PA
Accessible
Disabled Supportive Housing
Subsidized

Campbell Place

4200 Crawford Ave
Northern Cambria, PA
HCV Welcome

Independence Gardens

250 Holly St
Northern Cambria, PA
HCV Welcome

Phfa Chdo - Crawford Commons

2015 Crawford Ave
Northern Cambria, PA
HCV Welcome
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Housing Authorities that serve Northern Cambria

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

Guide To Affordable Housing in Northern Cambria, Pennsylvania

There are 6 low income housing apartment communities offering 96 affordable apartments for rent in Northern Cambria, Pennsylvania. Northern Cambria features 69 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 27 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Northern Cambria.

Sourced from federal housing data and AffordableHousingOnline.com research.

Northern Cambria, PA Affordable Housing Snapshot

Total Affordable Apartment Properties 6
Total Low Income Apartments 96
Total Housing Units with Rental Assistance 69
Percentage of Housing Units Occupied By Renters 21.23%
Average Renter Household Size 2.05
Average Household Size 2.47
Median Household Income $43,646 ±$4,759
Median Rent $477 ±$24
Percentage Of Renters Overburdened 21.07% ± 11.94pp
Total Population 3,716

Population and Household Demographics

Northern Cambria is a City in Cambria County, Pennsylvania with a population of 3,716. There are 1,498 households in the city with an average household size of 2.47 persons. 21.23% of households in Northern Cambria are renters.

Income and Rent Overburden in Northern Cambria

The median gross income for households in Northern Cambria is $43,646 a year, or $3,637 a month. The median rent for the city is $477 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Northern Cambria, a household making less than $1,590 a month would be considered overburdened when renting an apartment at or above the median rent. 21.07% of households who rent are overburdened in Northern Cambria.1

Area Median Income In Northern Cambria

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

In Northern Cambria, HUD calculates the Area Median Income for a family of four as $63,800

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 Northern Cambria

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 Northern Cambria HUD Rental Assistance in Northern Cambria

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $13,450 $16,910 $21,330 $25,750 $30,170 $34,590 $39,010 $42,150
50% of Median $22,350 $25,550 $28,750 $31,900 $34,500 $37,050 $39,600 $42,150
80% of Median $35,750 $40,850 $45,950 $51,050 $55,150 $59,250 $63,350 $67,400
Low Income Housing Tax Credits in Northern Cambria

The Low-Income Housing Tax Credit (LIHTC) program aims to create affordable rental housing for low and very low income families.

From 1996 to 1996, 1 low income apartment communities containing 11 rental apartments have been constructed and made affordable to low income persons in Northern Cambria by the Low Income Housing Tax Credit Program.

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 Northern Cambria

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $22,350 $25,550 $28,750 $31,900 $34,500 $37,050 $39,600 $42,150
60% of Median $26,820 $30,660 $34,500 $38,280 $41,400 $44,460 $47,520 $50,580

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 Northern Cambria is $34,500 a year, or $2,875 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $2,875 by 30% to get a maximum rent of $863 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% $559 $599 $719 $830 $926 $1,022
60% $671 $719 $863 $996 $1,112 $1,226
Fair Market Rents in Northern Cambria

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
$478 $573 $714 $917 $1,015