Low Income Apartments In Whatcom County
Washington

Low Income Apartments In Whatcom County

Boundary Village

730 A St
Blaine, WA
Income Based
1-3 BR
Subsidized

Sterling Senior Housing

528 Sterling Dr
Bellingham, WA
Income Based
1 BR
62+
Accessible
Elderly Supportive Housing
Subsidized

Blair Gardens Apartments

112 Blair Drive
Everson, WA
$650-705
1-3 BR
HCV Welcome

Apple Valley Apartments

8611 Depot Road
Lynden, WA
1-2 BR
Accessible

Ferndale Villa

2348 Main St
Ferndale, WA
1-3 BR
Subsidized

Ferndale Square

2254 Main St
Ferndale, WA
2-4 BR
Subsidized

Sterling Meadows Apartments

500 Sterling Dr
Bellingham, WA
2-3 BR
HCV Welcome

Catherine May Apartments

202 N 34th St
Bellingham, WA
62+
Accessible
Elderly Supportive Housing
Subsidized

Ferndale Manor

2075 Vista Dr
Ferndale, WA
Subsidized

Blaine Manor

210 B St
Blaine, WA
Subsidized

There are 70 low income housing apartment complexes which contain 3,248 affordable apartments for rent in Whatcom County, Washington. Many of these rental apartments are income based housing with about 1,017 apartments that set rent based on your income. Often referred to as "HUD apartments", there are 305 Project-Based Section 8 subsidized apartments in Whatcom County. There are 2,231 other low income apartments that don't have rental assistance but are still considered to be affordable housing for low income families.

Housing Authorities that serve Whatcom County

Housing Authority Programs
Whatcom County Housing Authority Public Housing
Bellingham Housing Authority Section 8 Housing Choice Voucher; Public Housing

Guide To Affordable Housing in Whatcom County, Washington

Whatcom County, WA Affordable Housing Snapshot

Total Affordable Apartment Properties 70
Total Low Income Apartments 3,248
Total Rent Assisted Apartments 1,017
Percentage of Housing Units Occupied By Renters 36.87%
Average Renter Household Size 2.44
Total Population 207,100
Housing Units 79,767
Average Household Size 2.53
Median Household Income $53,145 ±$1,739
Median Rent $925 ±$18
Percentage Of Renters Overburdened 53.47% ± 2.49pp

Population and Household Demographics

Whatcom County is a County in Washington with a population of 207,100. There are 79,767 households in the county with an average household size of 2.53 persons. 36.87% of households in Whatcom County are renters.

Income and Rent Overburden in Whatcom County

The median gross income for households in Whatcom County is $53,145 a year, or $4,429 a month. The median rent for the county is $925 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Whatcom County, a household making less than $3,083 a month would be considered overburdened when renting an apartment at or above the median rent. 53.47% of households who rent are overburdened in Whatcom County.1

Area Median Income In Whatcom 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 Whatcom County, HUD calculates the Area Median Income for a family of four as $77,500

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 Whatcom 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 Whatcom County HUD Rental Assistance in Whatcom County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $16,000 $18,300 $20,780 $25,100 $29,420 $33,740 $38,060 $42,380
50% of Median $26,650 $30,450 $34,250 $38,050 $41,100 $44,150 $47,200 $50,250
80% of Median $42,650 $48,750 $54,850 $60,900 $65,800 $70,650 $75,550 $80,400
Low Income Housing Tax Credits in Whatcom County

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

From 1987 to 2009, 35 low income apartment communities containing 1,940 rental apartments have been constructed and made affordable to low income persons in Whatcom 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 Whatcom County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
60% of Median $31,980 $36,540 $41,100 $45,660 $49,320 $52,980 $56,640 $60,300

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 Whatcom County is $41,100 a year, or $3,425 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $3,425 by 30% to get a maximum rent of $1,028 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% $666 $714 $856 $989 $1,104 $1,218
60% $800 $857 $1,028 $1,187 $1,325 $1,462
Fair Market Rents in Whatcom 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.

2019 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$747 $811 $1,058 $1,530 $1,858

Cities In Whatcom County

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

City Listings Served By
Bellingham 52 The HUD funded Public Housing Agencies that serve Bellingham are the Bellingham Housing Authority and Whatcom County Housing Authority.
Lynden 2 The HUD funded Public Housing Agencies that serve Lynden are the Whatcom County Housing Authority and Bellingham Housing Authority.
Blaine 4 The HUD funded Public Housing Agencies that serve Blaine are the Whatcom County Housing Authority and Bellingham Housing Authority.
Ferndale 6 The HUD funded Public Housing Agencies that serve Ferndale are the Whatcom County Housing Authority and Bellingham Housing Authority.
Everson 2 The HUD funded Public Housing Agencies that serve Everson are the Whatcom County Housing Authority and Bellingham Housing Authority.
Deming 3 The HUD funded Public Housing Agencies that serve Deming are the Whatcom County Housing Authority and Bellingham Housing Authority.
Sumas 1 The HUD funded Public Housing Agency that serves Sumas is the Bellingham Housing Authority.
Acme 0 The HUD funded Public Housing Agency that serves Acme is the Bellingham Housing Authority.
Birch Bay 0 The HUD funded Public Housing Agency that serves Birch Bay is the Bellingham Housing Authority.
Custer 0 The HUD funded Public Housing Agency that serves Custer is the Bellingham Housing Authority.
Geneva 0 The HUD funded Public Housing Agency that serves Geneva is the Bellingham Housing Authority.
Glacier 0 The HUD funded Public Housing Agency that serves Glacier is the Bellingham Housing Authority.
Kendall 0 The HUD funded Public Housing Agency that serves Kendall is the Bellingham Housing Authority.
Maple Falls 0 The HUD funded Public Housing Agency that serves Maple Falls is the Bellingham Housing Authority.
Marietta Alderwood 0 The HUD funded Public Housing Agency that serves Marietta Alderwood is the Bellingham Housing Authority.
Nooksack 0 The HUD funded Public Housing Agency that serves Nooksack is the Bellingham Housing Authority.
Peaceful Valley 0 The HUD funded Public Housing Agency that serves Peaceful Valley is the Bellingham Housing Authority.
Point Roberts 0 The HUD funded Public Housing Agency that serves Point Roberts is the Bellingham Housing Authority.
Sudden Valley 0 The HUD funded Public Housing Agency that serves Sudden Valley is the Bellingham Housing Authority.
Marietta-Alderwood 0 The HUD funded Public Housing Agency that serves Marietta-Alderwood is the Bellingham Housing Authority.