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Affordable Housing In St. Joseph
Lawrence County, Tennessee

Housing Authorities that serve St. Joseph

Housing Authority Programs
Tennessee Housing Development Agency Central Office Section 8 Housing Choice Voucher (HCV); Mainstream Voucher
Tennessee Housing Development Agency South Central Tennessee Office Section 8 Housing Choice Voucher (HCV)

Guide To Affordable Housing in St. Joseph, Tennessee

There are 0 low income housing apartment communities offering 0 affordable apartments for rent in St. Joseph, Tennessee.

Income Based Apartments in St. Joseph, Tennessee

St. Joseph 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 St. Joseph, Tennessee

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

Housing Choice Vouchers in St. Joseph, Tennessee

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

The maximum amount a voucher would pay on behalf of a low-income tenant in St. Joseph, Tennessee for a two-bedroom apartment is between $592 and $724.

2020 St. Joseph, 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 $499 $538 $658 $863 $985
Payment Standard Range $449 to $549 $484 to $592 $592 to $724 $777 to $949 $887 to $1,084

Sourced from federal housing data and AffordableHousingOnline.com research.

St. Joseph, TN 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 32.47%
Average Renter Household Size 3.06
Average Household Size 2.54
Median Household Income $39,808 ±$13,914
Median Rent $546 ±$101
Percentage Of Renters Overburdened 11.11% ± 12.84pp
Total Population 986

Population and Household Demographics

St. Joseph is a City in Lawrence County, Tennessee with a population of 986. There are 388 households in the city with an average household size of 2.54 persons. 32.47% of households in St. Joseph are renters.

Income and Rent Overburden in St. Joseph

The median gross income for households in St. Joseph is $39,808 a year, or $3,317 a month. The median rent for the city is $546 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In St. Joseph, a household making less than $1,820 a month would be considered overburdened when renting an apartment at or above the median rent. 11.11% of households who rent are overburdened in St. Joseph.1

Area Median Income In St. Joseph

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 St. Joseph, the AMI is calculated from all households within Lawrence County.

In St. Joseph, HUD calculates the Area Median Income for a family of four as $51,000

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 St. Joseph

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 St. Joseph

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