Low Income Apartments For Rent in Garfield, NJ

Rental assistance programs support 455 low-income homes in Garfield where households pay rent based on how much they earn. For 2024, elgible households participating in federally assisted housing pay an average of $511 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 Garfield, New Jersey

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
Garfield Housing Authority	Public Housing
Housing Authority of Bergen County	Section 8 Housing Choice Voucher (HCV); Public Housing; Housing Opportunities for Persons with AIDS (HOPWA)
State of New Jersey Department of Community Affairs	Section 8 Housing Choice Voucher (HCV)

Go to the New Jersey Public Housing and Low-Income Apartments Waiting Lists page for openings near Garfield.

Garfield, New Jersey Affordable Housing Data

Income Based Apartments in Garfield, New Jersey

Garfield features 455 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 Garfield, New Jersey

There are 36 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Garfield.

Housing Choice Vouchers in Garfield, New Jersey

On average, Section 8 Housing Choice vouchers pay Garfield landlords $900 per month towards rent. The average voucher holder contributes $500 towards rent in Garfield.

The maximum amount a voucher would pay on behalf of a low-income tenant in Garfield, New Jersey for a two-bedroom apartment is between $1,703 and $2,081.

2024 Garfield, New Jersey 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
Garfield, New Jersey Fair Market Rent	$1,400	$1,645	$1,892	$2,342	$2,946
Garfield, New Jersey Payment Standard Range	$1,260 to $1,540	$1,481 to $1,810	$1,703 to $2,081	$2,108 to $2,576	$2,651 to $3,241

Sourced from federal housing data and AffordableHousingOnline.com research.

Garfield, NJ Affordable Housing Snapshot

Total Affordable Apartment Properties 6

Total Low Income Apartments 493

Total Housing Units with Rental Assistance 455

Percentage of Housing Units Occupied By Renters 63.27%

Average Renter Household Size 2.74

Average Household Size 2.87

Median Household Income $45,469 ±$2,704

Median Rent $1,203 ±$25

Percentage Of Renters Overburdened 56.97% ± 5.08pp

Total Population 31,265

Total Affordable Apartment Properties	6
Total Low Income Apartments	493
Total Housing Units with Rental Assistance	455
Percentage of Housing Units Occupied By Renters	63.27%
Average Renter Household Size	2.74
Average Household Size	2.87
Median Household Income	$45,469 ±$2,704
Median Rent	$1,203 ±$25
Percentage Of Renters Overburdened	56.97% ± 5.08pp
Total Population	31,265

Population and Household Demographics

Garfield is a city in Bergen County, New Jersey with a population of 31,265. There are 10,875 households in the city with an average household size of 2.87 persons. 63.27% of households in Garfield are renters.

Income and Rent Overburden in Garfield

The median gross income for households in Garfield is $45,469 a year, or $3,789 a month. The median rent for the city is $1,203 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Garfield, a household making less than $4,010 a month would be considered overburdened when renting an apartment at or above the median rent. 56.97% of households who rent are overburdened in Garfield.

Area Median Income In Garfield

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 Garfield, the AMI is calculated from all households within Bergen County.

In Garfield, HUD calculates the Area Median Income for a family of four as $130,700

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 Garfield

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 Garfield

	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 Garfield AMI may qualify for rental assistance programs that target Extremely Low Income households.	$27,250	$31,150	$35,050	$38,900	$42,050	$45,150	$48,250	$51,350
50% AMI Income Limits Renters earning up to 50% of the Garfield AMI may qualify for rental assistance programs that target Very Low Income households.	$45,400	$51,850	$58,350	$64,800	$70,000	$75,200	$80,400	$85,550
80% AMI Income Limits Renters earning up to 80% of the Garfield AMI may qualify for rental assistance programs that target Low Income households.	$66,750	$76,250	$85,800	$95,300	$102,950	$110,550	$118,200	$125,800