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Affordable & Low-Income Housing in Los Banos, CA

10 affordable buildings in Los Banos

Los Banos, CA has 10 income-restricted buildings across 1 ZIP code: 8 tax credit, 1 public housing, 1 Section 8, 2 senior, and 4 usda rural. These lists don't show openings — call to ask about vacancies and waiting lists.

In Los Banos

Programs in Los Banos

  • Tax credit8 buildings
  • Public housing1 building
  • Section 81 building
  • Seniors2 buildings
  • USDA rural4 buildings

ZIP codes in Los Banos

Nearby cities

Housing authorities

Public housing in Los Banos is run by these agencies. Apply with them, not at the building.

Rents and income limits in 93635

Fair market rent, 2 bedrooms
$1,760/mo
Income needed to pay it at 30% of income
$70,400/yr
Renters in 93635 paying 30% or more of income on rent
59%

Income limits (2026)

Merced, CA area · median family income $75,800. Your household's yearly income before taxes must be at or below the limit.

PeopleExtremely low 30%Very low 50%Low 80%
1$20,450$34,000$54,400
2$23,350$38,850$62,200
3$27,320$43,700$69,950
4$33,000$48,550$77,700
5$38,680$52,450$83,950
6$44,360$56,350$90,150
7$50,040$60,250$96,350
8$55,720$64,100$102,600

Section 8 vouchers: up to the 50% limit, and most go to households under 30%. Public housing: up to 80%. Tax-credit apartments: usually up to 60% of median income, between the 50% and 80% columns.

Fair market rents (2027)

HUD's estimate of rent plus utilities for a modest home. Housing authorities set Section 8 voucher limits from it.

Size93635Wider area
Studio$1,390$1,200
1 bedroom$1,460$1,262
2 bedrooms$1,760$1,517
3 bedrooms$2,420$2,087
4 bedrooms$2,870$2,477

Wider area = Merced, CA. Two-bedroom fair market rents in 4 nearby ZIPs range from $1,360 (95374) to $1,590 (95322).

Census figures for 93635 (2020–2024 average): median rent $1,524. Median household income $67,129. 41% of homes are rented. 59% of renters pay 30% or more of their income on rent, and 30% pay half or more.

Census median rent is what renters here actually pay, including long-term leases. Fair market rent is HUD's estimate for a modest apartment available now.

Sources: HUD income limits FY2026; HUD Fair Market Rents FY2027 (Small Area FMR for ZIP figures); U.S. Census Bureau American Community Survey 5-year 2020–2024. Each program and building can set its own limits — confirm with the property.

Estimate your Section 8 rent share

Project-based Section 8 is on the buildings above. A Housing Choice Voucher is different: you apply with the housing authority, then find a landlord who takes it. Your share of rent is based on income — not always 30%. The calculator uses 93635's fair market rent.

Estimate your Section 8 rent share for 93635

Frequently Asked Questions

Is there Section 8 housing in Los Banos, CA?

Yes — this directory lists income-restricted buildings in Los Banos, CA, including project-based Section 8 apartments (the subsidy stays with the unit), public housing, tax-credit, and USDA rural rentals. Housing Choice Vouchers are different: you apply with the local housing authority and can use them at a private landlord. Estimate your voucher rent share with the Section 8 calculator.

Do affordable housing buildings in Los Banos, CA have openings?

These lists for Los Banos, CA don't show openings. Call the property (or the housing authority, for public housing) to ask about vacancies and waiting lists.

How do I apply for affordable housing in Los Banos, CA?

Use the phone number on each building card in Los Banos, CA. Public housing is run by the local housing authority — apply with them, not at the building. USDA rural rentals can also be found through USDA's property search.

What counts as affordable housing in Los Banos, CA?

In Los Banos, CA, this directory lists income-restricted rentals from HUD tax-credit (LIHTC) records, public housing, HUD-assisted buildings (including project-based Section 8, 202, and 811), and USDA Rural Development.

How many affordable housing buildings are in Los Banos, CA?

This directory lists 10 income-restricted buildings in Los Banos, CA. The list does not show vacancies — call each property or the housing authority to ask about openings and waiting lists.

Which ZIP codes in Los Banos have affordable housing?

Income-restricted buildings in Los Banos are listed in 93635 (10).

Where do I apply for public housing in Los Banos?

Public housing in Los Banos is run by County of Merced Housing Authority. Apply with that agency, not at the building. For project-based Section 8 and tax-credit apartments, call the phone number on the building card.

People Also Ask

How do I qualify for affordable housing in Los Banos, CA?

Most income-restricted buildings in Los Banos, CA serve households at or below 50% or 80% of area median income. HUD's 2026 very low-income (50%) limit for a 1-person household is $34,000, and $48,550 for a 4-person household. Public housing can go up to 80% ($54,400 for 1 person). Each building sets its own cap — call to confirm before you apply. Citizenship, household size, and local preferences can also apply.

What is the income limit for low-income housing in Los Banos, CA?

For many programs in Los Banos, CA, the 2026 HUD very low-income (50%) limit is $34,000 a year for 1 person and $48,550 for 4 people. The low-income (80%) limit is $54,400 for 1 person. Tax-credit buildings often use 60% of median income. Confirm with the property — they can be stricter.

How long is the waiting list for Section 8 in Los Banos, CA?

There is no single waiting list for Los Banos, CA. Public housing, project-based Section 8, and tax-credit buildings each keep their own list. Housing Choice Voucher lists at the housing authority open only sometimes and can stay closed for years. This directory does not show which lists are open — call the number on each card. Some public housing cards show HUD's reported wait in months.

What is the difference between Section 8 and public housing in Los Banos, CA?

Public housing is owned by a housing authority — you apply with that agency, not at the building. Project-based Section 8 is a HUD contract on a private building; the subsidy stays with the apartment. A Housing Choice Voucher is different: you apply with the housing authority and can use it at a landlord who takes it. This page lists public housing, project-based Section 8, tax-credit apartments in Los Banos, CA. Estimate voucher rent share with the Section 8 calculator.

How much rent do you pay for low-income housing in Los Banos, CA?

In public housing and most Section 8 in Los Banos, CA, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Los Banos, CA is $1,760 a month (rent plus utilities for a modest unit). Tax-credit apartments use set rents below market, not always 30% of income. Call the building for the actual rent; this site is not a vacancy or price list.

Can I use a Section 8 voucher at affordable apartments in Los Banos, CA?

A Housing Choice Voucher is not automatically accepted at every building in Los Banos, CA. Project-based Section 8 units already have a subsidy on the apartment — you apply there, not with a tenant voucher. For a voucher, apply with the housing authority, then ask each landlord. Estimate your share with the Section 8 calculator.

Is there senior affordable housing in Los Banos, CA?

Yes — this directory flags senior (often 62+) buildings in Los Banos, CA. Use the Seniors filter on the list. Age rules vary; call to confirm.

Sources: HUD LIHTC database, 2024 (released Apr 2026); HUD Multifamily Assisted Properties, Oct 2026; HUD Public Housing Developments, Oct 2026; USDA Rural Development multifamily, Oct 2026. Not affiliated with HUD or USDA. Details can be out of date — confirm with the property before applying.

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