Affordable & Low-Income Housing in Cottondale, FL
3 affordable buildings in Cottondale
Cottondale, FL has 3 income-restricted buildings across 1 ZIP code: 2 tax credit and 1 usda rural. These lists don't show openings — call to ask about vacancies and waiting lists.
In Cottondale
Cottondale Villas
3111 Willow St, Cottondale, FL 32431
24 units · 1–2 BR
- 4 vacant units reported (Oct 2026) — call to confirm
Cottondale Villa
Rr 1 Box 500, Cottondale, FL 32431
24 units
- Affordability period may have ended — call to confirm
No buildings in Cottondale match this filter.
Programs in Cottondale
- Tax credit
- USDA rural
ZIP codes in Cottondale
Nearby cities
Rents and income limits in 32431
- Fair market rent, 2 bedrooms
- $1,150/mo
- Income needed to pay it at 30% of income
- $46,000/yr
- Renters in 32431 paying 30% or more of income on rent
- 73%
Income limits (2026)
Jackson County, FL area · median family income $65,000. 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 | 32431 | Wider area |
|---|---|---|
| Studio | $890 | $724 |
| 1 bedroom | $900 | $733 |
| 2 bedrooms | $1,150 | $962 |
| 3 bedrooms | $1,490 | $1,264 |
| 4 bedrooms | $1,530 | $1,273 |
Wider area = Jackson County, FL. Two-bedroom fair market rents in 4 nearby ZIPs range from $970 (32420) to $1,050 (32446).
Census figures for 32431 (2020–2024 average): median rent $1,108. Median household income $55,293. 23% of homes are rented. 73% of renters pay 30% or more of their income on rent, and 34% 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 32431's fair market rent.
Estimate your Section 8 rent share for 32431Frequently Asked Questions
Is there Section 8 housing in Cottondale, FL?
Yes — this directory lists income-restricted buildings in Cottondale, FL, 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 Cottondale, FL have openings?
These lists for Cottondale, FL 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 Cottondale, FL?
Use the phone number on each building card in Cottondale, FL. 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 Cottondale, FL?
In Cottondale, FL, 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 Cottondale, FL?
This directory lists 3 income-restricted buildings in Cottondale, FL. The list does not show vacancies — call each property or the housing authority to ask about openings and waiting lists.
Which ZIP codes in Cottondale have affordable housing?
Income-restricted buildings in Cottondale are listed in 32431 (3).
People Also Ask
How do I qualify for affordable housing in Cottondale, FL?
Most income-restricted buildings in Cottondale, FL 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 Cottondale, FL?
For many programs in Cottondale, FL, 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 long is the waiting list for Section 8 in Cottondale, FL?
There is no single waiting list for Cottondale, FL. 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 Cottondale, FL?
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 tax-credit apartments in Cottondale, FL. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in Cottondale, FL?
In public housing and most Section 8 in Cottondale, FL, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Cottondale, FL is $1,150 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 Cottondale, FL?
A Housing Choice Voucher is not automatically accepted at every building in Cottondale, FL. 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 Cottondale, FL?
This page may still list buildings in Cottondale, FL that accept seniors without being senior-only. Use the filters and call to ask about age set-asides.
Sources: HUD LIHTC database, 2024 (released Apr 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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