Terrace Gardens Co-Op — Income-Restricted Housing in Baltimore, MD 21201
751 W Saratoga St, Baltimore, MD 21201
88 units · 1 BR
Management office: (410) 342-8003 ext. 8019Directions
How to apply
- Call the management office at (410) 342-8003 ext. 8019 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
- 2000
- Income limit
- 60% AMI
- Bedrooms
- 47 1 bedroom
- HUD inspection
- HUD inspection score: 96/100 (Nov 2025) HUD inspects subsidized buildings on a 0–100 scale. This is a snapshot, not a pass/fail grade.
Map loads here…
This buildingNearbyOpen a pin for the building name.
Nearby income-restricted buildings
Lexington Terrace Townhomes
726 W Cherry Blossom Way, Baltimore, MD 21201
0.1 mi away
203 units · 2–4+ BR
Poe Homes
202 N Fremont Ave, Baltimore, MD 21201
0.1 mi away
285 units
- Apply through Housing Authority Of Baltimore City
Orchard Gardens Apts.
609-619 George Street, Baltimore, MD 21201
0.2 mi away
248 units · 204 income-restricted · 1–3 BR
Poppleton Communities Phase II
874 W Fairmount Ave, Baltimore, MD 21201
0.2 mi away
111 units · 1–4+ BR
Vintage Gardens
831-841 Vine, Baltimore, MD 21201
0.2 mi away
111 units · 96 income-restricted · 1–4+ BR
West Fayette Street Apts
757 W Fayette St, Baltimore, MD 21201
0.2 mi away
8 units
- Affordability period may have ended — call to confirm
Rents and income limits in 21201
- Fair market rent, 2 bedrooms
- $2,110/mo
- Income needed to pay it at 30% of income
- $84,400/yr
- Renters in 21201 paying 30% or more of income on rent
- 51%
Income limits (2026)
Baltimore-Columbia-Towson, MD area · median family income $134,000. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $28,150 | $46,900 | $74,800 |
| 2 | $32,200 | $53,600 | $85,450 |
| 3 | $36,200 | $60,300 | $96,150 |
| 4 | $40,200 | $67,000 | $106,800 |
| 5 | $43,450 | $72,400 | $115,350 |
| 6 | $46,650 | $77,750 | $123,900 |
| 7 | $50,040 | $83,100 | $132,450 |
| 8 | $55,720 | $88,450 | $141,000 |
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 | 21201 | Wider area |
|---|---|---|
| Studio | $1,600 | $1,523 |
| 1 bedroom | $1,710 | $1,625 |
| 2 bedrooms | $2,110 | $2,006 |
| 3 bedrooms | $2,640 | $2,509 |
| 4 bedrooms | $2,930 | $2,789 |
Wider area = Baltimore-Columbia-Towson, MD. Two-bedroom fair market rents in 12 nearby ZIPs range from $1,680 (21217) to $2,410 (21202).
Census figures for 21201 (2020–2024 average): median rent $1,346. Median household income $45,640. 89% of homes are rented. 51% of renters pay 30% or more of their income on rent, and 27% 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 21201's fair market rent.
Estimate your Section 8 rent share for 21201Frequently Asked Questions
How do I apply to Terrace Gardens Co-Op?
Call (410) 342-8003 ext. 8019 and ask about applying, vacancies, and waiting lists at Terrace Gardens Co-Op in Baltimore, MD 21201. These records do not show openings.
Is Terrace Gardens Co-Op Section 8 housing?
Terrace Gardens Co-Op 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 Terrace Gardens Co-Op?
Public records list 88 units at Terrace Gardens Co-Op in Baltimore, MD 21201. That is a building size, not a count of open apartments.
Are there other affordable apartments near Terrace Gardens Co-Op?
Yes — this page lists other income-restricted buildings in 21201 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 Terrace Gardens Co-Op?
Call the number on this page and ask about the waiting list or how to apply at Terrace Gardens Co-Op in Baltimore, MD 21201. 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 Baltimore, MD 21201?
Most income-restricted buildings in Baltimore, MD 21201 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 $46,900, and $67,000 for a 4-person household. Public housing can go up to 80% ($74,800 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 Baltimore, MD 21201?
For many programs in Baltimore, MD 21201, the 2026 HUD very low-income (50%) limit is $46,900 a year for 1 person and $67,000 for 4 people. The low-income (80%) limit is $74,800 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 Baltimore, MD 21201?
In public housing and most Section 8 in Baltimore, MD 21201, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Baltimore, MD 21201 is $2,110 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 Terrace Gardens Co-Op take Section 8 vouchers?
Terrace Gardens Co-Op 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 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. Report a correction. To add a different building, use the suggestion rubric.