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There are 206 low-income apartments in Gardner that offer reduced rents to eligible households. Low-income rents in Gardner, Massachusetts can range from $616 to $1,291 depending on the number of bedrooms.
Rental assistance programs support 342 low-income homes in Gardner where households pay rent based on how much they earn. For 2024, elgible households participating in federally assisted housing pay an average of $371 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 Gardner, Massachusetts
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 |
|---|---|
| Gardner Housing Authority | Section 8 Housing Choice Voucher (HCV) |
| Executive Office of Housing and Livable Communities | Section 8 Housing Choice Voucher (HCV); Moving to Work |
| Massachusetts Section 8 Housing Choice Voucher Centralized Waiting List | Section 8 Housing Choice Voucher (HCV) |
Gardner, Massachusetts Affordable Housing Data
Income Based Apartments in Gardner, Massachusetts
Gardner features 342 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 Gardner, Massachusetts
There are 206 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Gardner.
Housing Choice Vouchers in Gardner, Massachusetts
On average, Section 8 Housing Choice vouchers pay Gardner landlords $800 per month towards rent. The average voucher holder contributes $400 towards rent in Gardner.
The maximum amount a voucher would pay on behalf of a low-income tenant in Gardner, Massachusetts for a two-bedroom apartment is between $1,424 and $1,740.
2024 Gardner, Massachusetts 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 | |
|---|---|---|---|---|---|
| Gardner, Massachusetts Fair Market Rent | $1,072 | $1,238 | $1,582 | $2,055 | $2,373 |
| Gardner, Massachusetts Payment Standard Range | $965 to $1,179 | $1,114 to $1,362 | $1,424 to $1,740 | $1,850 to $2,261 | $2,136 to $2,610 |
Sourced from federal housing data and AffordableHousingOnline.com research.
Gardner, MA Affordable Housing Snapshot
| Total Affordable Apartment Properties | 8 |
|---|---|
| Total Low Income Apartments | 604 |
| Total Housing Units with Rental Assistance | 342 |
| Percentage of Housing Units Occupied By Renters | 49.39% |
| Average Renter Household Size | 2.09 |
| Average Household Size | 2.35 |
| Median Household Income | $43,905 ±$3,010 |
| Median Rent | $729 ±$25 |
| Percentage Of Renters Overburdened | 43.57% ± 6.11pp |
| Total Population | 20,306 |
Population and Household Demographics
Gardner is a city in Worcester County, Massachusetts with a population of 20,306. There are 8,142 households in the city with an average household size of 2.35 persons. 49.39% of households in Gardner are renters.
Income and Rent Overburden in Gardner
The median gross income for households in Gardner is $43,905 a year, or $3,659 a month. The median rent for the city is $729 a month.
Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Gardner, a household making less than $2,430 a month would be considered overburdened when renting an apartment at or above the median rent. 43.57% of households who rent are overburdened in Gardner.
Area Median Income In Gardner
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 Gardner, the AMI is calculated from all households within Worcester County.
In Gardner, HUD calculates the Area Median Income for a family of four as $104,400
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 Gardner
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 Gardner
| 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 Gardner AMI may qualify for rental assistance programs that target Extremely Low Income households. |
$22,300 | $25,500 | $28,700 | $31,850 | $35,140 | $40,280 | $45,420 | $50,560 |
| 50% AMI Income Limits Renters earning up to 50% of the Gardner AMI may qualify for rental assistance programs that target Very Low Income households. |
$37,150 | $42,450 | $47,750 | $53,050 | $57,300 | $61,550 | $65,800 | $70,050 |
| 80% AMI Income Limits Renters earning up to 80% of the Gardner AMI may qualify for rental assistance programs that target Low Income households. |
$59,400 | $67,900 | $76,400 | $84,850 | $91,650 | $98,450 | $105,250 | $112,050 |
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