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Affordable Housing In Clay County

4 Low Income Apartment Communities In Clay County

Southern Oaks Apartments

1001 Gainesboro Hwy
Celina, Tennessee
Income Based
1-3 BR

Cherry Tree II Apartments

100 Westmoreland Dr
Celina, Tennessee

Cherry Tree Apartments II

157 Westmoreland Dr
Celina, Tennessee

Riverside Apts.

521 Brown St.
Celina, Tennessee
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Housing Authorities that serve Clay County

Housing Authority Programs
Tennessee Housing Development Agency Central Office Section 8 Housing Choice Voucher (HCV); Mainstream Voucher
Tennessee Housing Development Agency East Tennessee Office Section 8 Housing Choice Voucher (HCV); Homeownership Voucher; Family Self-Sufficiency

Guide To Affordable Housing in Clay County, Tennessee

There are 4 low income housing apartment communities offering 131 affordable apartments for rent in Clay County, Tennessee.

Income Based Apartments in Clay County, Tennessee

Clay County features 107 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 Clay County, Tennessee

There are 24 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Clay County.

Housing Choice Vouchers in Clay County, Tennessee

On average, Section 8 Housing Choice vouchers pay Clay County landlords $0 per month towards rent. The average voucher holder contributes $0 towards rent in Clay County.

The maximum amount a voucher would pay on behalf of a low-income tenant in Clay County, Tennessee for a two-bedroom apartment is between $584 and $714.

2020 Clay County, Tennessee 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
Fair Market Rent $492 $509 $649 $906 $969
Payment Standard Range $443 to $541 $458 to $560 $584 to $714 $815 to $997 $872 to $1,066

Sourced from federal housing data and research.

Clay County, TN Affordable Housing Snapshot

Total Affordable Apartment Properties 4
Total Low Income Apartments 131
Total Housing Units with Rental Assistance 107
Percentage of Housing Units Occupied By Renters 23.6%
Average Renter Household Size 2.45
Average Household Size 2.37
Median Household Income $28,804 ±$3,963
Median Rent $505 ±$50
Percentage Of Renters Overburdened 39.48% ± 10.38pp
Total Population 7,780

Population and Household Demographics

Clay County is a county in Tennessee with a population of 7,780. There are 3,242 households in the county with an average household size of 2.37 persons. 23.6% of households in Clay County are renters.

Income and Rent Overburden in Clay County

The median gross income for households in Clay County is $28,804 a year, or $2,400 a month. The median rent for the county is $505 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Clay County, a household making less than $1,683 a month would be considered overburdened when renting an apartment at or above the median rent. 39.48% of households who rent are overburdened in Clay County.

Area Median Income In Clay County

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.

In Clay County, HUD calculates the Area Median Income for a family of four as $43,600

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 Clay County

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 Clay County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $12,760 $17,240 $21,720 $26,200 $29,600 $31,800 $34,000 $36,200
50% of Median $19,200 $21,950 $24,700 $27,400 $29,600 $31,800 $34,000 $36,200
80% of Median $30,700 $35,100 $39,500 $43,850 $47,400 $50,900 $54,400 $57,900

Cities In Clay County

Select A City to View its Apartment Communities and Waiting Lists.

City Served By
Celina The HUD funded Public Housing Agencies that serve Celina are the Tennessee Housing Development Agency Central Office and Tennessee Housing Development Agency East Tennessee Office.