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Affordable & Low-Income Housing in Covington, KY

35 affordable buildings in Covington · 3 ZIP codes

Covington, KY has 35 income-restricted buildings across 3 ZIP codes: 24 tax credit, 9 public housing, 8 Section 8, and 8 senior. These lists don't show openings — call to ask about vacancies and waiting lists.

In Covington

Programs in Covington

  • Tax credit24 buildings
  • Public housing9 buildings
  • Section 88 buildings
  • Seniors8 buildings

ZIP codes in Covington

Nearby cities

Housing authorities

Public housing in Covington is run by these agencies. Apply with them, not at the building.

Rents and income limits in 41011

Fair market rent, 2 bedrooms
$1,530/mo
Income needed to pay it at 30% of income
$61,200/yr
Renters in 41011 paying 30% or more of income on rent
50%

Income limits (2026)

Cincinnati, OH-KY-IN area · median family income $109,900. Your household's yearly income before taxes must be at or below the limit.

PeopleExtremely low 30%Very low 50%Low 80%
1$23,100$38,500$61,550
2$26,400$44,000$70,350
3$29,700$49,500$79,150
4$33,000$54,950$87,900
5$38,680$59,350$94,950
6$44,360$63,750$102,000
7$50,040$68,150$109,000
8$55,720$72,550$116,050

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.

Size41011Wider area
Studio$1,120$1,052
1 bedroom$1,200$1,128
2 bedrooms$1,530$1,442
3 bedrooms$2,010$1,897
4 bedrooms$2,270$2,141

Wider area = Cincinnati, OH-KY-IN. Two-bedroom fair market rents in 12 nearby ZIPs range from $1,120 (45204) to $2,160 (45202).

Census figures for 41011 (2020–2024 average): median rent $1,088. Median household income $69,970. 54% of homes are rented. 50% of renters pay 30% or more of their income on rent, and 24% 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 41011's fair market rent.

Estimate your Section 8 rent share for 41011

Frequently Asked Questions

Is there Section 8 housing in Covington, KY?

Yes — this directory lists income-restricted buildings in Covington, KY, 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 Covington, KY have openings?

These lists for Covington, KY 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 Covington, KY?

Use the phone number on each building card in Covington, KY. 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 Covington, KY?

In Covington, KY, 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 Covington, KY?

This directory lists 35 income-restricted buildings in Covington, KY. The list does not show vacancies — call each property or the housing authority to ask about openings and waiting lists.

Which ZIP codes in Covington have affordable housing?

Income-restricted buildings in Covington are listed in 41011 (30), 41016 (3), 41014 (2).

Where do I apply for public housing in Covington?

Public housing in Covington is run by Housing Authority of Covington. Apply with that agency, not at the building. For project-based Section 8 and tax-credit apartments, call the phone number on the building card.

People Also Ask

How do I qualify for affordable housing in Covington, KY?

Most income-restricted buildings in Covington, KY 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 $38,500, and $54,950 for a 4-person household. Public housing can go up to 80% ($61,550 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 Covington, KY?

For many programs in Covington, KY, the 2026 HUD very low-income (50%) limit is $38,500 a year for 1 person and $54,950 for 4 people. The low-income (80%) limit is $61,550 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 Covington, KY?

There is no single waiting list for Covington, KY. 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 Covington, KY?

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 public housing, project-based Section 8, tax-credit apartments in Covington, KY. Estimate voucher rent share with the Section 8 calculator.

How much rent do you pay for low-income housing in Covington, KY?

In public housing and most Section 8 in Covington, KY, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Covington, KY is $1,530 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 Covington, KY?

A Housing Choice Voucher is not automatically accepted at every building in Covington, KY. 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 Covington, KY?

Yes — this directory flags senior (often 62+) buildings in Covington, KY. Use the Seniors filter on the list. Age rules vary; call to confirm.

Sources: HUD LIHTC database, 2024 (released Apr 2026); HUD Multifamily Assisted Properties, Oct 2026; HUD Public Housing Developments, Oct 2026. Not affiliated with HUD or USDA. Details can be out of date — confirm with the property before applying.

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