Cottondale Villas — Income-Restricted Housing in Cottondale, FL 32431
3111 Willow St, Cottondale, FL 32431
24 units · 1–2 BR
- 4 vacant units reported (Oct 2026) — call to confirm
How to apply
- Managed by Southeastern Mgmt Co Inc. USDA does not publish a phone number for this property.
- Find contact info on USDA's Multifamily Housing programs page.
- These records do not show openings — call to confirm vacancies and waiting lists.
At this building
- Opened
- 1989
- Bedrooms
- 4 1 bedroom · 20 2 bedrooms
- USDA rental assistance
- 21 units (tenant pays about 30% of income)
- Managed by
- Southeastern Mgmt Co Inc
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Nearby income-restricted buildings
Cottondale Villa
Rr 1 Box 500, Cottondale, FL 32431
2.6 mi away
24 units
- Affordability period may have ended — call to confirm
Graceville Villas
1116 Sanders Avenue, a-1, Graceville, FL 32440
14.3 mi away
31 units · 1–2 BR
- 6 vacant units reported (Oct 2026) — call to confirm
Graceville Estates
1082 Sanders Ave, Graceville, FL 32440
14.5 mi away
31 units · 1–2 BR
- 8 vacant units reported (Oct 2026) — call to confirm
Grace Lowe Homes
5490 College Dr, Graceville, FL 32440
14.5 mi away
66 units · 1–3 BR
- Apply through Northwest Florida Regional Housing Authority
- Residents waited about 10 months to move in (HUD, Oct 2026)
- Several buildings — call for addresses
Graceland Manor Apartments
5445 Brown St, Graceville, FL 32440
14.7 mi away
50 units · 1–3 BR
- 2 vacant units reported (Oct 2026) — call to confirm
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
How do I apply to Cottondale Villas?
No phone is listed for Cottondale Villas. Try the city housing office or, for USDA rural properties, USDA's Multifamily Housing search. These records do not show openings.
Is Cottondale Villas Section 8 housing?
Cottondale Villas is listed as income-restricted housing in Cottondale, FL 32431 (usda). It is not labeled as project-based Section 8 in this file. Call to ask which programs they run.
How many units are at Cottondale Villas?
Public records list 24 units at Cottondale Villas in Cottondale, FL 32431. That is a building size, not a count of open apartments.
Are there other affordable apartments near Cottondale Villas?
Yes — this page lists other income-restricted buildings in 32431 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 Cottondale Villas?
Call the number on this page and ask about the waiting list or how to apply at Cottondale Villas in Cottondale, FL 32431. 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 Cottondale, FL 32431?
Most income-restricted buildings in Cottondale, FL 32431 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 32431?
For many programs in Cottondale, FL 32431, 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 Cottondale, FL 32431?
In public housing and most Section 8 in Cottondale, FL 32431, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Cottondale, FL 32431 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.
Does Cottondale Villas take Section 8 vouchers?
This file does not say that Cottondale Villas has a project-based Section 8 contract. Some landlords in Cottondale, FL 32431 accept Housing Choice Vouchers; you have to ask. Apply for a voucher with the housing authority, then call Cottondale Villas.
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.