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There are 254 low-income apartments in Cumberland that offer reduced rents to eligible households.
Rental assistance programs support 881 low-income homes in Cumberland where households pay rent based on how much they earn. For 2024, elgible households participating in federally assisted housing pay an average of $286 towards rent each month.
Affordable rent data for some communities last confirmed on July 2nd, 2024. Subdsidized rents typically change once a year based on federal guidance.
Public Housing Agencies Serving Cumberland, Maryland
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 |
|---|---|
| Cumberland Housing Group | Public Housing |
| Allegany County Housing Authority | Public Housing |
| Maryland Department of Housing and Community Development | Section 8 Housing Choice Voucher (HCV); Family Self-Sufficiency; Homeownership; Section 8 HCV Money Follows the Person (MFP) |
Cumberland, Maryland Affordable Housing Data
Income Based Apartments in Cumberland, Maryland
Cumberland features 881 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 Cumberland, Maryland
There are 254 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Cumberland.
Housing Choice Vouchers in Cumberland, Maryland
On average, Section 8 Housing Choice vouchers pay Cumberland landlords $700 per month towards rent. The average voucher holder contributes $300 towards rent in Cumberland.
The maximum amount a voucher would pay on behalf of a low-income tenant in Cumberland, Maryland for a two-bedroom apartment is between $828 and $1,012.
2024 Cumberland, Maryland 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 | |
|---|---|---|---|---|---|
| Cumberland, Maryland Fair Market Rent | $624 | $736 | $920 | $1,186 | $1,453 |
| Cumberland, Maryland Payment Standard Range | $562 to $686 | $662 to $810 | $828 to $1,012 | $1,067 to $1,305 | $1,308 to $1,598 |
Sourced from federal housing data and AffordableHousingOnline.com research.
Cumberland, MD Affordable Housing Snapshot
| Total Affordable Apartment Properties | 22 |
|---|---|
| Total Low Income Apartments | 1,140 |
| Total Housing Units with Rental Assistance | 881 |
| Percentage of Housing Units Occupied By Renters | 47.33% |
| Average Renter Household Size | 2.09 |
| Average Household Size | 2.25 |
| Median Household Income | $30,275 ±$1,958 |
| Median Rent | $586 ±$29 |
| Percentage Of Renters Overburdened | 48.88% ± 5.61pp |
| Total Population | 20,449 |
Population and Household Demographics
Cumberland is a city in Allegany County, Maryland with a population of 20,449. There are 8,796 households in the city with an average household size of 2.25 persons. 47.33% of households in Cumberland are renters.
Income and Rent Overburden in Cumberland
The median gross income for households in Cumberland is $30,275 a year, or $2,523 a month. The median rent for the city is $586 a month.
Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Cumberland, a household making less than $1,953 a month would be considered overburdened when renting an apartment at or above the median rent. 48.88% of households who rent are overburdened in Cumberland.
Area Median Income In Cumberland
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 Cumberland, the AMI is calculated from all households within Allegany County.
In Cumberland, HUD calculates the Area Median Income for a family of four as $89,900
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
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 Cumberland
| 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 Cumberland AMI may qualify for rental assistance programs that target Extremely Low Income households. |
$17,900 | $20,450 | $24,860 | $30,000 | $35,140 | $40,280 | $45,420 | $50,560 |
| 50% AMI Income Limits Renters earning up to 50% of the Cumberland AMI may qualify for rental assistance programs that target Very Low Income households. |
$29,850 | $34,100 | $38,350 | $42,600 | $46,050 | $49,450 | $52,850 | $56,250 |
| 80% AMI Income Limits Renters earning up to 80% of the Cumberland AMI may qualify for rental assistance programs that target Low Income households. |
$47,750 | $54,550 | $61,350 | $68,150 | $73,650 | $79,100 | $84,550 | $90,000 |
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