William C. Ellison Residence
Parkview Terrace
Silver Birch of Mishawaka
There are 1,722 low-income apartments in St Joseph County that offer reduced rents to eligible households.
Rental assistance programs support 3,173 low-income homes in St Joseph County where households pay rent based on how much they earn. For 2024, elgible households participating in federally assisted housing pay an average of $285 towards rent each month.
Affordable rent data for some communities last confirmed on June 25th, 2024. Subdsidized rents typically change once a year based on federal guidance.
Public Housing Agencies Serving St Joseph County, Indiana
Public Housing Agencies operate federally assisted affordable housing programs at local levels on behalf of HUD. Notably, housing agencies are responsible for managing Section 8 Housing Choice Voucher, Public Housing, and Project-Based Voucher waiting lists within their jurisdiction.
| Housing Authority | Programs |
|---|---|
| Saint Joseph County Housing Authority | Section 8 Housing Choice Voucher (HCV) |
St Joseph County, Indiana Affordable Housing Data
Income Based Apartments in St Joseph County, Indiana
St Joseph County features 3,173 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 County, Indiana
There are 1,722 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in St Joseph County.
Housing Choice Vouchers in St Joseph County, Indiana
On average, Section 8 Housing Choice vouchers pay St Joseph County landlords $500 per month towards rent. The average voucher holder contributes $300 towards rent in St Joseph County.
The maximum amount a voucher would pay on behalf of a low-income tenant in St Joseph County, Indiana for a two-bedroom apartment is between $915 and $1,119.
2024 St Joseph County, Indiana 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 | |
|---|---|---|---|---|---|
| St Joseph County, Indiana Fair Market Rent | $689 | $862 | $1,017 | $1,267 | $1,354 |
| St Joseph County, Indiana Payment Standard Range | $620 to $758 | $776 to $948 | $915 to $1,119 | $1,140 to $1,394 | $1,219 to $1,489 |
Sourced from federal housing data and AffordableHousingOnline.com research.
St Joseph County, IN Affordable Housing Snapshot
| Total Affordable Apartment Properties | 113 |
|---|---|
| Total Low Income Apartments | 5,114 |
| Total Housing Units with Rental Assistance | 3,173 |
| Percentage of Housing Units Occupied By Renters | 31.53% |
| Average Renter Household Size | 2.33 |
| Average Household Size | 2.50 |
| Median Household Income | $45,471 ±$828 |
| Median Rent | $719 ±$11 |
| Percentage Of Renters Overburdened | 45.21% ± 2.1pp |
| Total Population | 267,246 |
Population and Household Demographics
St Joseph County is a county in Indiana with a population of 267,246. There are 102,005 households in the county with an average household size of 2.50 persons. 31.53% of households in St Joseph County are renters.
Income and Rent Overburden in St Joseph County
The median gross income for households in St Joseph County is $45,471 a year, or $3,789 a month. The median rent for the county is $719 a month.
Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In St Joseph County, a household making less than $2,397 a month would be considered overburdened when renting an apartment at or above the median rent. 45.21% of households who rent are overburdened in St Joseph County.
Area Median Income In St Joseph 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 St Joseph County, HUD calculates the Area Median Income for a family of four as $88,500
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 St Joseph 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 St Joseph County
| 1 Person | 2 Person | 3 Person | 4 Person | 5 Person | 6 Person | 7 Person | 8 Person | |
|---|---|---|---|---|---|---|---|---|
| 30% AMI Income Limits Renters earning up to 30% of the St Joseph County AMI may qualify for rental assistance programs that target Extremely Low Income households. |
$17,400 | $19,850 | $24,860 | $30,000 | $35,140 | $40,280 | $45,420 | $50,560 |
| 50% AMI Income Limits Renters earning up to 50% of the St Joseph County AMI may qualify for rental assistance programs that target Very Low Income households. |
$28,950 | $33,050 | $37,200 | $41,300 | $44,650 | $47,950 | $51,250 | $54,550 |
| 80% AMI Income Limits Renters earning up to 80% of the St Joseph County AMI may qualify for rental assistance programs that target Low Income households. |
$46,250 | $52,850 | $59,450 | $66,050 | $71,350 | $76,650 | $81,950 | $87,200 |
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