Affordable Housing In Cumberland County
Tennessee

16 Low Income Apartment Communities In Cumberland County

Creekwood Apartments

612 S 4th St
Crossville, TN
Income Based
1-2 BR
HCV Welcome

Azalea Gardens and Oakmont Gardens

266 Taylor St
Crossville, TN
Income Based
1 BR
62+
Accessible
Elderly Supportive Housing
HCV Welcome
Subsidized

Ivy Avenue Apartments

14 Dawn Lane
Crossville, TN
Call For Rent
1-3 BR
Subsidized

Heather Ridge Apartments

40 Heather Ridge Cir
Crossville, TN
Call For Rent
1-2 BR
Subsidized

Janet Clark 1 Group Home

180 Harrison Ave
Crossville, TN
Subsidized

Mountain Village Apartments

31 Mountain Village Lane
Crossville, TN
HCV Welcome

Teresa Gardens

566 Myrtle Ave
Crossville, TN
Accessible
Disabled Supportive Housing
Subsidized

Beverly Hills Apartments

50 Beverly Hills Cir
Crossville, TN
HCV Welcome
Subsidized

Janet Clark Memorial Group Home II

171 Northside Dr
Crossville, TN
Subsidized

Jacobs Crossing Apartments

28 Jacobs Xing
Crossville, TN
HCV Welcome

Housing Authorities that serve Cumberland County

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

Guide To Affordable Housing in Cumberland County, Tennessee

According to federal housing data and AffordableHousingOnline.com research, there are 16 low income housing apartment communities offering 406 affordable apartments for rent in Cumberland County, Tennessee. Cumberland County features 220 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 186 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Cumberland County.

Cumberland County, TN Affordable Housing Snapshot

Total Affordable Apartment Properties 16
Total Low Income Apartments 406
Total Housing Units with Rental Assistance 220
Percentage of Housing Units Occupied By Renters 21.36%
Average Renter Household Size 2.35
Average Household Size 2.35
Median Household Income $38,576 ±$1,714
Median Rent $630 ±$38
Percentage Of Renters Overburdened 43.15% ± 5.67pp
Total Population 57,455

Population and Household Demographics

Cumberland County is a County in Tennessee with a population of 57,455. There are 24,177 households in the county with an average household size of 2.35 persons. 21.36% of households in Cumberland County are renters.

Income and Rent Overburden in Cumberland County

The median gross income for households in Cumberland County is $38,576 a year, or $3,215 a month. The median rent for the county is $630 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Cumberland County, a household making less than $2,100 a month would be considered overburdened when renting an apartment at or above the median rent. 43.15% of households who rent are overburdened in Cumberland County.1

Area Median Income In Cumberland 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 Cumberland County, HUD calculates the Area Median Income for a family of four as $49,700

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 Cumberland 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 Cumberland County HUD Rental Assistance in Cumberland County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $12,490 $16,910 $21,330 $25,750 $28,350 $30,450 $32,550 $34,650
50% of Median $18,400 $21,000 $23,650 $26,250 $28,350 $30,450 $32,550 $34,650
80% of Median $29,400 $33,600 $37,800 $42,000 $45,400 $48,750 $52,100 $55,450
Low Income Housing Tax Credits in Cumberland County

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

From 1990 to 2008, 7 low income apartment communities containing 278 rental apartments have been constructed and made affordable to low income persons in Cumberland County 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 Cumberland County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $18,400 $21,000 $23,650 $26,250 $28,350 $30,450 $32,550 $34,650
60% of Median $22,080 $25,200 $28,380 $31,500 $34,020 $36,540 $39,060 $41,580

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 Cumberland County is $28,380 a year, or $2,365 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $2,365 by 30% to get a maximum rent of $710 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% $460 $493 $591 $683 $761 $840
60% $552 $591 $710 $819 $914 $1,008
Fair Market Rents in Cumberland County

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
$511 $514 $677 $934 $1,014

Cities In Cumberland County

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

City Listings Served By
Crossville 16 The HUD funded Public Housing Agency that serves Crossville is the Crossville Housing Authority.
Bowman 0 The HUD funded Public Housing Agency that serves Bowman is the Crossville Housing Authority.
Crab Orchard 0 The HUD funded Public Housing Agency that serves Crab Orchard is the Crossville Housing Authority.
Fairfield Glade 0 The HUD funded Public Housing Agency that serves Fairfield Glade is the Crossville Housing Authority.
Lake Tansi 0 The HUD funded Public Housing Agency that serves Lake Tansi is the Crossville Housing Authority.
Pleasant Hill 0 The HUD funded Public Housing Agency that serves Pleasant Hill is the Crossville Housing Authority.