Harbor Lake — Income-Restricted Housing in Cheboygan, MI 49721
438 Duncan Ave, Cheboygan, MI 49721
32 units
- 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
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Nearby income-restricted buildings
Cheboygan Shores
434 Duncan St., Cheboygan, MI 49721
0 mi away
24 units · 1 BR
- 1 vacant unit reported (Oct 2026) — call to confirm
Lincoln-Scattered Site
651 Cuyler St, Cheboygan, MI 49721
1.4 mi away
38 units · 1–3 BR
- Apply through Cheboygan Housing Commission
- Residents waited about 26 months to move in (HUD, Oct 2026)
- Several buildings — call for addresses
Mackinaw Apartments II
1307 Mackinaw, Cheboygan, MI 49721
1.6 mi away
48 units · 40 income-restricted · 1–3 BR
South Pointe III
5323 S Straits Hwy, Indian River, MI 49749
19.8 mi away
16 units · 1–2 BR
- 1 vacant unit reported (Oct 2026) — call to confirm
South Pointe Apts Phase III
5365 S Straits Hwy, Indian River, MI 49749
19.8 mi away
16 units · 1–2 BR
- Affordability period may have ended — call to confirm
Rents and income limits in 49721
- Fair market rent, 2 bedrooms
- $1,090/mo
- Income needed to pay it at 30% of income
- $43,600/yr
- Renters in 49721 paying 30% or more of income on rent
- 43%
Income limits (2026)
Cheboygan County, MI area · median family income $79,500. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $17,600 | $29,300 | $46,850 |
| 2 | $21,640 | $33,450 | $53,550 |
| 3 | $27,320 | $37,650 | $60,250 |
| 4 | $33,000 | $41,800 | $66,900 |
| 5 | $38,680 | $45,150 | $72,300 |
| 6 | $44,360 | $48,500 | $77,650 |
| 7 | $50,040 | $51,850 | $83,000 |
| 8 | $55,200 | $55,200 | $88,350 |
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 | 49721 | Wider area |
|---|---|---|
| Studio | $780 | $788 |
| 1 bedroom | $830 | $844 |
| 2 bedrooms | $1,090 | $1,104 |
| 3 bedrooms | $1,300 | $1,315 |
| 4 bedrooms | $1,470 | $1,490 |
Wider area = Cheboygan County, MI. Two-bedroom fair market rents in 4 nearby ZIPs range from $1,140 (49791) to $1,590 (49775).
Census figures for 49721 (2020–2024 average): median rent $732. Median household income $61,174. 17% of homes are rented. 43% of renters pay 30% or more of their income on rent, and 21% 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 49721's fair market rent.
Estimate your Section 8 rent share for 49721Frequently Asked Questions
How do I apply to Harbor Lake?
No phone is listed for Harbor Lake. Try the city housing office or, for USDA rural properties, USDA's Multifamily Housing search. These records do not show openings.
Is Harbor Lake Section 8 housing?
Harbor Lake is listed as income-restricted housing in Cheboygan, MI 49721 (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 Harbor Lake?
Public records list 32 units at Harbor Lake in Cheboygan, MI 49721. That is a building size, not a count of open apartments.
Are there other affordable apartments near Harbor Lake?
Yes — this page lists other income-restricted buildings in 49721 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 Harbor Lake?
Call the number on this page and ask about the waiting list or how to apply at Harbor Lake in Cheboygan, MI 49721. 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 Cheboygan, MI 49721?
Most income-restricted buildings in Cheboygan, MI 49721 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 $29,300, and $41,800 for a 4-person household. Public housing can go up to 80% ($46,850 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 Cheboygan, MI 49721?
For many programs in Cheboygan, MI 49721, the 2026 HUD very low-income (50%) limit is $29,300 a year for 1 person and $41,800 for 4 people. The low-income (80%) limit is $46,850 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 Cheboygan, MI 49721?
In public housing and most Section 8 in Cheboygan, MI 49721, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Cheboygan, MI 49721 is $1,090 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 Harbor Lake take Section 8 vouchers?
This file does not say that Harbor Lake has a project-based Section 8 contract. Some landlords in Cheboygan, MI 49721 accept Housing Choice Vouchers; you have to ask. Apply for a voucher with the housing authority, then call Harbor Lake.
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.