Oak Tree Villas — Income-Restricted Housing in Garrett, IN 46738
Garrett, IN 46738
12 units · 2 BR
- Affordability period may have ended — call to confirm
How to apply
- No phone is listed. Try visiting the property or asking the city housing office how to apply.
- These records do not show openings — call to confirm vacancies and waiting lists.
At this building
- Opened
- 1988
- Bedrooms
- 12 2 bedrooms
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Nearby income-restricted buildings
Rosedorf Park Ltd.
1213 S Cowen St, Garrett, IN 46738
1.5 mi away
22 units · 1 BR
- 2 vacant units reported (Oct 2026) — call to confirm
South Oak Villas
514 W Second Ave, Garrett, IN 46738
1.7 mi away
12 units · 2 BR
- Affordability period may have ended — call to confirm
Sacred Heart Apts
220 S Ijams St, Garrett, IN 46738
2.1 mi away
42 units · 1–2 BR
- Affordability period may have ended — call to confirm
Jerry Junction
1250 Rohm Dr, Auburn, IN 46706
4.5 mi away
57 units · 1–4+ BR · People with disabilities · People experiencing homelessness
Carmel Ridge Apts
1107 W 15th St, Auburn, IN 46706
4.9 mi away
48 units · 1–3 BR
- Affordability period may have ended — call to confirm
Betz Senior Villas
2106 2108 Doris Dr, Auburn, IN 46706
5.7 mi away
38 units · 32 income-restricted · 1–2 BR
- Affordability period may have ended — call to confirm
Provena Laverna Terrace
517 North Main Street, Avilla, IN 46710
6.1 mi away
51 units · 1–2 BR · People with disabilities
Rents and income limits in 46738
- Fair market rent, 2 bedrooms
- $1,040/mo
- Income needed to pay it at 30% of income
- $41,600/yr
- Renters in 46738 paying 30% or more of income on rent
- 54%
Income limits (2026)
DeKalb County, IN area · median family income $92,000. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $19,350 | $32,200 | $51,550 |
| 2 | $22,100 | $36,800 | $58,900 |
| 3 | $27,320 | $41,400 | $66,250 |
| 4 | $33,000 | $46,000 | $73,600 |
| 5 | $38,680 | $49,700 | $79,500 |
| 6 | $44,360 | $53,400 | $85,400 |
| 7 | $50,040 | $57,050 | $91,300 |
| 8 | $55,720 | $60,750 | $97,200 |
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 | 46738 | Wider area |
|---|---|---|
| Studio | $780 | $765 |
| 1 bedroom | $830 | $814 |
| 2 bedrooms | $1,040 | $1,023 |
| 3 bedrooms | $1,290 | $1,270 |
| 4 bedrooms | $1,370 | $1,344 |
Wider area = DeKalb County, IN. Two-bedroom fair market rents in 7 nearby ZIPs range from $1,010 (46710) to $1,740 (46845).
Census figures for 46738 (2020–2024 average): median rent $879. Median household income $57,545. 19% of homes are rented. 54% of renters pay 30% or more of their income on rent, and 17% 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 46738's fair market rent.
Estimate your Section 8 rent share for 46738Frequently Asked Questions
How do I apply to Oak Tree Villas?
No phone is listed for Oak Tree Villas. Try the city housing office or, for USDA rural properties, USDA's Multifamily Housing search. These records do not show openings.
Is Oak Tree Villas Section 8 housing?
Oak Tree Villas is listed as income-restricted housing in Garrett, IN 46738 (lihtc). It is not labeled as project-based Section 8 in this file. Call to ask which programs they run.
How many units are at Oak Tree Villas?
Public records list 12 units at Oak Tree Villas in Garrett, IN 46738. That is a building size, not a count of open apartments.
Are there other affordable apartments near Oak Tree Villas?
Yes — this page lists other income-restricted buildings in 46738 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 Oak Tree Villas?
Call the number on this page and ask about the waiting list or how to apply at Oak Tree Villas in Garrett, IN 46738. 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 Garrett, IN 46738?
Most income-restricted buildings in Garrett, IN 46738 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 $32,200, and $46,000 for a 4-person household. Public housing can go up to 80% ($51,550 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 Garrett, IN 46738?
For many programs in Garrett, IN 46738, the 2026 HUD very low-income (50%) limit is $32,200 a year for 1 person and $46,000 for 4 people. The low-income (80%) limit is $51,550 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 Garrett, IN 46738?
In public housing and most Section 8 in Garrett, IN 46738, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Garrett, IN 46738 is $1,040 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 Oak Tree Villas take Section 8 vouchers?
This file does not say that Oak Tree Villas has a project-based Section 8 contract. Some landlords in Garrett, IN 46738 accept Housing Choice Vouchers; you have to ask. Apply for a voucher with the housing authority, then call Oak Tree Villas.
Sources: HUD LIHTC database, 2024 (released Apr 2026); 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.