Lacey McDuffie Homes — Income-Restricted Housing in Chipley, FL 32428
1387 Carmichael Dr, Chipley, FL 32428
88 units · 1–3 BR
- Apply through Chipley Housing Authority
- Residents waited about 7 months to move in (HUD, Oct 2026)
Housing authority: (850) 638-0134Directions
How to apply
- Apply through Chipley Housing Authority. They run this development and take applications.
- Call the housing authority at (850) 638-0134.
- These records do not show openings — call to confirm vacancies and waiting lists.
At this building
- Bedrooms (estimated)
- 33 1 bedroom · 25 2 bedrooms · 29 3 bedrooms
- Average tenant rent
- $398/mo
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Nearby income-restricted buildings
Foxmeadow Apts II
542 2nd St, Chipley, FL 32428
0.3 mi away
20 units · 1–2 BR
- 1 vacant unit reported (Oct 2026) — call to confirm
Sherwood Apartments
1413 Brickyard Rd, Chipley, FL 32428
1.6 mi away
29 units · 1 BR
- 3 vacant units reported (Oct 2026) — call to confirm
Summerbrook Apts
853 Orange Hill Hwy, Chipley, FL 32428
1.8 mi away
25 units · 1–3 BR
- 7 vacant units reported (Oct 2026) — call to confirm
Gibb Chipley Village
1411 Washington Square Dr, Chipley, FL 32428
1.9 mi away
15 units · 14 income-restricted · 1–2 BR · People with disabilities
Rents and income limits in 32428
- Fair market rent, 2 bedrooms
- $1,520/mo
- Income needed to pay it at 30% of income
- $60,800/yr
- Renters in 32428 paying 30% or more of income on rent
- 62%
Income limits (2026)
Washington County, FL area · median family income $74,100. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $16,450 | $27,400 | $43,850 |
| 2 | $21,640 | $31,350 | $50,100 |
| 3 | $27,320 | $35,250 | $56,350 |
| 4 | $33,000 | $39,150 | $62,600 |
| 5 | $38,680 | $42,250 | $67,650 |
| 6 | $44,360 | $45,400 | $72,650 |
| 7 | $48,550 | $48,550 | $77,650 |
| 8 | $51,700 | $51,700 | $82,650 |
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.
| Size | 32428 | Wider area |
|---|---|---|
| Studio | $1,290 | $896 |
| 1 bedroom | $1,340 | $955 |
| 2 bedrooms | $1,520 | $1,040 |
| 3 bedrooms | $1,960 | $1,243 |
| 4 bedrooms | $2,430 | $1,479 |
Wider area = Washington County, FL. Two-bedroom fair market rents in 4 nearby ZIPs range from $950 (32463) to $1,520 (32438).
Census figures for 32428 (2020–2024 average): median rent $877. Median household income $57,493. 20% of homes are rented. 62% of renters pay 30% or more of their income on rent, and 21% 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 32428's fair market rent.
Estimate your Section 8 rent share for 32428Frequently Asked Questions
How do I apply to Lacey McDuffie Homes?
Apply through Chipley Housing Authority, which runs Lacey McDuffie Homes. Call (850) 638-0134. Do not treat a walk-up at the building as the application. These records do not show openings.
Is Lacey McDuffie Homes Section 8 housing?
Lacey McDuffie Homes is public housing, not a project-based Section 8 contract. Apply with the housing authority. A Housing Choice Voucher is a separate program.
How many units are at Lacey McDuffie Homes?
Public records list 88 units at Lacey McDuffie Homes in Chipley, FL 32428. That is a building size, not a count of open apartments.
Are there other affordable apartments near Lacey McDuffie Homes?
Yes — this page lists other income-restricted buildings in 32428 and nearby ZIP codes. Open a nearby card for the address and phone. Lists still do not show vacancies.
People Also Ask
How do I get into Lacey McDuffie Homes?
Call the number on this page and ask about the waiting list or how to apply at Lacey McDuffie Homes in Chipley, FL 32428. Public housing is through the housing authority. Bring ID and income documents when they tell you to. This site cannot submit an application for you.
How do I qualify for affordable housing in Chipley, FL 32428?
Most income-restricted buildings in Chipley, FL 32428 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 $27,400, and $39,150 for a 4-person household. Public housing can go up to 80% ($43,850 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 Chipley, FL 32428?
For many programs in Chipley, FL 32428, the 2026 HUD very low-income (50%) limit is $27,400 a year for 1 person and $39,150 for 4 people. The low-income (80%) limit is $43,850 for 1 person. Tax-credit buildings often use 60% of median income. Confirm with the property — they can be stricter.
How much rent do you pay for low-income housing in Chipley, FL 32428?
In public housing and most Section 8 in Chipley, FL 32428, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Chipley, FL 32428 is $1,520 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.
Does Lacey McDuffie Homes take Section 8 vouchers?
This file does not say that Lacey McDuffie Homes has a project-based Section 8 contract. Some landlords in Chipley, FL 32428 accept Housing Choice Vouchers; you have to ask. Apply for a voucher with the housing authority, then call Lacey McDuffie Homes.
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. Report a correction.