Whispering Pines Apts Phase I (Coldwater) — Income-Restricted Housing in Coldwater, MI 49036
40 Whispering Pnes, Coldwater, MI 49036
112 units · 1–3 BR
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
- 2002
- Bedrooms
- 32 1 bedroom · 56 2 bedrooms · 24 3 bedrooms
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Nearby income-restricted buildings
The Lofts at Milnes Plaza
20 North Hanchett Street, Coldwater, MI 49036
0.4 mi away
52 units · 8 income-restricted · 1 BR
Englewood Apartments
60 S. Clay Street, Coldwater, MI 49036
0.5 mi away
192 units · 96 income-restricted · Studio–2 BR
East Wind Apts.
299 Cutter Avenue, Coldwater, MI 49036
0.7 mi away
48 units · 1–2 BR
- 2 vacant units reported (Oct 2026) — call to confirm
Whispering Pines Apts Phase II
60 Sauk River Dr, Coldwater, MI 49036
0.7 mi away
44 units · 1–3 BR · People with disabilities
Canterbury Gardens
18 - 28 Hyde Park Drive, Coldwater, MI 49036
1.2 mi away
100 units · 30 income-restricted · 1–2 BR
Rents and income limits in 49036
- Fair market rent, 2 bedrooms
- $1,110/mo
- Income needed to pay it at 30% of income
- $44,400/yr
- Renters in 49036 paying 30% or more of income on rent
- 44%
Income limits (2026)
Branch County, MI area · median family income $81,800. 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 | 49036 | Wider area |
|---|---|---|
| Studio | $980 | $964 |
| 1 bedroom | $1,000 | $984 |
| 2 bedrooms | $1,110 | $1,093 |
| 3 bedrooms | $1,500 | $1,479 |
| 4 bedrooms | $1,530 | $1,503 |
Wider area = Branch County, MI. Two-bedroom fair market rents in 4 nearby ZIPs range from $1,010 (49089) to $1,060 (49094).
Census figures for 49036 (2020–2024 average): median rent $967. Median household income $62,259. 25% of homes are rented. 44% 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 49036's fair market rent.
Estimate your Section 8 rent share for 49036Frequently Asked Questions
How do I apply to Whispering Pines Apts Phase I (Coldwater)?
No phone is listed for Whispering Pines Apts Phase I (Coldwater). Try the city housing office or, for USDA rural properties, USDA's Multifamily Housing search. These records do not show openings.
Is Whispering Pines Apts Phase I (Coldwater) Section 8 housing?
Whispering Pines Apts Phase I (Coldwater) is listed as income-restricted housing in Coldwater, MI 49036 (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 Whispering Pines Apts Phase I (Coldwater)?
Public records list 112 units at Whispering Pines Apts Phase I (Coldwater) in Coldwater, MI 49036. That is a building size, not a count of open apartments.
Are there other affordable apartments near Whispering Pines Apts Phase I (Coldwater)?
Yes — this page lists other income-restricted buildings in 49036 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 Whispering Pines Apts Phase I (Coldwater)?
Call the number on this page and ask about the waiting list or how to apply at Whispering Pines Apts Phase I (Coldwater) in Coldwater, MI 49036. 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 Coldwater, MI 49036?
Most income-restricted buildings in Coldwater, MI 49036 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 Coldwater, MI 49036?
For many programs in Coldwater, MI 49036, 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 Coldwater, MI 49036?
In public housing and most Section 8 in Coldwater, MI 49036, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Coldwater, MI 49036 is $1,110 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 Whispering Pines Apts Phase I (Coldwater) take Section 8 vouchers?
This file does not say that Whispering Pines Apts Phase I (Coldwater) has a project-based Section 8 contract. Some landlords in Coldwater, MI 49036 accept Housing Choice Vouchers; you have to ask. Apply for a voucher with the housing authority, then call Whispering Pines Apts Phase I (Coldwater).
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. To add a different building, use the suggestion rubric.