Low Income Apartments For Rent in Phillipsburg, NJ

Rental assistance programs support 672 low-income homes in Phillipsburg where households pay rent based on how much they earn. For 2024, elgible households participating in federally assisted housing pay an average of $410 towards rent each month.

Affordable rent data for some communities last confirmed on June 24th, 2024. Subdsidized rents typically change once a year based on federal guidance.

Public Housing Agencies Serving Phillipsburg, 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
Phillipsburg Housing Authority	Public Housing
Phillipsburg DCD	Section 8 Housing Choice Voucher (HCV)
Warren County Housing Authority	Section 8 Housing Choice Voucher (HCV)
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 Phillipsburg.

Phillipsburg, New Jersey Affordable Housing Data

Income Based Apartments in Phillipsburg, New Jersey

Phillipsburg features 672 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 Phillipsburg, New Jersey

There are 10 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Phillipsburg.

Housing Choice Vouchers in Phillipsburg, New Jersey

On average, Section 8 Housing Choice vouchers pay Phillipsburg landlords $800 per month towards rent. The average voucher holder contributes $400 towards rent in Phillipsburg.

The maximum amount a voucher would pay on behalf of a low-income tenant in Phillipsburg, New Jersey for a two-bedroom apartment is between $1,386 and $1,694.

2024 Phillipsburg, 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
Phillipsburg, New Jersey Fair Market Rent	$1,171	$1,277	$1,540	$1,950	$2,278
Phillipsburg, New Jersey Payment Standard Range	$1,054 to $1,288	$1,149 to $1,405	$1,386 to $1,694	$1,755 to $2,145	$2,050 to $2,506

Sourced from federal housing data and AffordableHousingOnline.com research.

Phillipsburg, NJ Affordable Housing Snapshot

Total Affordable Apartment Properties 12

Total Low Income Apartments 687

Total Housing Units with Rental Assistance 672

Percentage of Housing Units Occupied By Renters 46.96%

Average Renter Household Size 2.34

Average Household Size 2.40

Median Household Income $44,537 ±$4,429

Median Rent $875 ±$29

Percentage Of Renters Overburdened 49.16% ± 7.24pp

Total Population 14,608

Total Affordable Apartment Properties	12
Total Low Income Apartments	687
Total Housing Units with Rental Assistance	672
Percentage of Housing Units Occupied By Renters	46.96%
Average Renter Household Size	2.34
Average Household Size	2.40
Median Household Income	$44,537 ±$4,429
Median Rent	$875 ±$29
Percentage Of Renters Overburdened	49.16% ± 7.24pp
Total Population	14,608

Population and Household Demographics

Phillipsburg is a city in Warren County, New Jersey with a population of 14,608. There are 6,061 households in the city with an average household size of 2.40 persons. 46.96% of households in Phillipsburg are renters.

Income and Rent Overburden in Phillipsburg

The median gross income for households in Phillipsburg is $44,537 a year, or $3,711 a month. The median rent for the city is $875 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Phillipsburg, a household making less than $2,917 a month would be considered overburdened when renting an apartment at or above the median rent. 49.16% of households who rent are overburdened in Phillipsburg.

Area Median Income In Phillipsburg

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 Phillipsburg, the AMI is calculated from all households within Warren County.

In Phillipsburg, HUD calculates the Area Median Income for a family of four as $116,200

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 Phillipsburg

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 Phillipsburg

	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 Phillipsburg AMI may qualify for rental assistance programs that target Extremely Low Income households.	$24,400	$27,900	$31,400	$34,850	$37,650	$40,450	$45,420	$50,560
50% AMI Income Limits Renters earning up to 50% of the Phillipsburg AMI may qualify for rental assistance programs that target Very Low Income households.	$40,700	$46,500	$52,300	$58,100	$62,750	$67,400	$72,050	$76,700
80% AMI Income Limits Renters earning up to 80% of the Phillipsburg AMI may qualify for rental assistance programs that target Low Income households.	$65,100	$74,400	$83,700	$92,950	$100,400	$107,850	$115,300	$122,700