White Oak Property — Income-Restricted Housing in Cowden, IL 62422
128 N Seventh St., Cowden, IL 62422
8 units · 1–3 BR
Leasing office: (217) 774-3290Directions
How to apply
- Call the leasing office at (217) 774-3290 to ask about applying, vacancies, and waiting lists.
- These records do not show openings — call to confirm vacancies and waiting lists.
At this building
- Opened
- 1983
- Bedrooms
- 2 1 bedroom · 4 2 bedrooms · 2 3 bedrooms
- HUD inspection
- HUD inspection score: 81/100 (Feb 2025) HUD inspects subsidized buildings on a 0–100 scale. This is a snapshot, not a pass/fail grade.
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Nearby income-restricted buildings
Rents and income limits in 62422
- Fair market rent, 2 bedrooms
- $940/mo
- Income needed to pay it at 30% of income
- $37,600/yr
- Renters in 62422 paying 30% or more of income on rent
- 30%
Income limits (2026)
Shelby County, IL area · median family income $91,400. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $19,200 | $32,000 | $51,200 |
| 2 | $21,950 | $36,600 | $58,500 |
| 3 | $27,320 | $41,150 | $65,800 |
| 4 | $33,000 | $45,700 | $73,100 |
| 5 | $38,680 | $49,400 | $78,950 |
| 6 | $44,360 | $53,050 | $84,800 |
| 7 | $50,040 | $56,700 | $90,650 |
| 8 | $55,720 | $60,350 | $96,500 |
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 | 62422 | Wider area |
|---|---|---|
| Studio | $660 | $659 |
| 1 bedroom | $760 | $766 |
| 2 bedrooms | $940 | $946 |
| 3 bedrooms | $1,130 | $1,127 |
| 4 bedrooms | $1,390 | $1,400 |
Wider area = Shelby County, IL. Two-bedroom fair market rents in 4 nearby ZIPs range from $930 (62438) to $1,020 (62444).
Census figures for 62422 (2020–2024 average): median rent $720. Median household income $75,074. 21% of homes are rented. 30% of renters pay 30% or more of their income on rent, and 18% 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 62422's fair market rent.
Estimate your Section 8 rent share for 62422Frequently Asked Questions
How do I apply to White Oak Property?
Call (217) 774-3290 and ask about applying, vacancies, and waiting lists at White Oak Property in Cowden, IL 62422. These records do not show openings.
Is White Oak Property Section 8 housing?
White Oak Property is listed with a HUD-assisted or project-based Section 8 contract. The subsidy stays with the apartment. A Housing Choice Voucher is different — you apply with the housing authority. Confirm the program when you call.
How many units are at White Oak Property?
Public records list 8 units at White Oak Property in Cowden, IL 62422. That is a building size, not a count of open apartments.
Are there other affordable apartments near White Oak Property?
Yes — this page lists other income-restricted buildings in 62422 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 White Oak Property?
Call the number on this page and ask about the waiting list or how to apply at White Oak Property in Cowden, IL 62422. 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 Cowden, IL 62422?
Most income-restricted buildings in Cowden, IL 62422 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 $32,000, and $45,700 for a 4-person household. Public housing can go up to 80% ($51,200 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 Cowden, IL 62422?
For many programs in Cowden, IL 62422, the 2026 HUD very low-income (50%) limit is $32,000 a year for 1 person and $45,700 for 4 people. The low-income (80%) limit is $51,200 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 Cowden, IL 62422?
In public housing and most Section 8 in Cowden, IL 62422, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Cowden, IL 62422 is $940 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 White Oak Property take Section 8 vouchers?
White Oak Property is listed with project-based Section 8 or HUD assistance — the subsidy is on the unit, so you usually apply at the building rather than bringing a tenant voucher. Ask when you call whether they also accept Housing Choice Vouchers.
Sources: HUD Multifamily Assisted Properties, 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. To add a different building, use the suggestion rubric.