Apply to Cumberland County Apartment Waiting Lists
- 2 and 3-Bedroom Public Housing is open.
Heather Ridge Apartments
Azalea Gardens and Oakmont Gardens
Millstream Apartments
Creekwood Apartments
Beverly Hills Apartments
Mountain Village Apartments
There are 226 low-income apartments in Cumberland County that offer reduced rents to eligible households.
Rental assistance programs support 265 low-income homes in Cumberland County where households pay rent based on how much they earn. For 2024, elgible households participating in federally assisted housing pay an average of $276 towards rent each month.
Affordable rent data for some communities last confirmed on June 7th, 2024. Subdsidized rents typically change once a year based on federal guidance.
Public Housing Agencies Serving Cumberland County, Tennessee
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 |
|---|---|
| Crossville Housing Authority | Section 8 Housing Choice Voucher (HCV); Public Housing |
Cumberland County, Tennessee Affordable Housing Data
Income Based Apartments in Cumberland County, Tennessee
Cumberland County features 265 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 County, Tennessee
There are 226 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Cumberland County.
Housing Choice Vouchers in Cumberland County, Tennessee
On average, Section 8 Housing Choice vouchers pay Cumberland County landlords $400 per month towards rent. The average voucher holder contributes $300 towards rent in Cumberland County.
The maximum amount a voucher would pay on behalf of a low-income tenant in Cumberland County, Tennessee for a two-bedroom apartment is between $793 and $969.
2024 Cumberland County, Tennessee 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 County, Tennessee Fair Market Rent | $719 | $723 | $881 | $1,242 | $1,400 |
| Cumberland County, Tennessee Payment Standard Range | $647 to $791 | $651 to $795 | $793 to $969 | $1,118 to $1,366 | $1,260 to $1,540 |
Sourced from federal housing data and AffordableHousingOnline.com research.
Cumberland County, TN Affordable Housing Snapshot
| Total Affordable Apartment Properties | 16 |
|---|---|
| Total Low Income Apartments | 491 |
| Total Housing Units with Rental Assistance | 265 |
| Percentage of Housing Units Occupied By Renters | 21.36% |
| Average Renter Household Size | 2.35 |
| Average Household Size | 2.35 |
| Median Household Income | $38,576 ±$1,714 |
| Median Rent | $630 ±$38 |
| Percentage Of Renters Overburdened | 43.15% ± 5.67pp |
| Total Population | 57,455 |
Population and Household Demographics
Cumberland County is a county in Tennessee with a population of 57,455. There are 24,177 households in the county with an average household size of 2.35 persons. 21.36% of households in Cumberland County are renters.
Income and Rent Overburden in Cumberland County
The median gross income for households in Cumberland County is $38,576 a year, or $3,215 a month. The median rent for the county is $630 a month.
Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Cumberland County, a household making less than $2,100 a month would be considered overburdened when renting an apartment at or above the median rent. 43.15% of households who rent are overburdened in Cumberland County.
Area Median Income In Cumberland 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 Cumberland County, HUD calculates the Area Median Income for a family of four as $69,600
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 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 Cumberland 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 Cumberland County AMI may qualify for rental assistance programs that target Extremely Low Income households. |
$14,580 | $19,720 | $24,860 | $30,000 | $35,140 | $38,750 | $41,450 | $44,100 |
| 50% AMI Income Limits Renters earning up to 50% of the Cumberland County AMI may qualify for rental assistance programs that target Very Low Income households. |
$23,400 | $26,750 | $30,100 | $33,400 | $36,100 | $38,750 | $41,450 | $44,100 |
| 80% AMI Income Limits Renters earning up to 80% of the Cumberland County AMI may qualify for rental assistance programs that target Low Income households. |
$37,400 | $42,750 | $48,100 | $53,400 | $57,700 | $61,950 | $66,250 | $70,500 |
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