Cool Springs — Income-Restricted Housing in Murphy, NC 28906
102 Cool Springs St Apt, Murphy, NC 28906
84 units · 1–3 BR
- Apply through Housing Programs of the Town of Murphy
- Residents waited about 24 months to move in (HUD, Oct 2026)
- Several buildings — call for addresses
Housing authority: (828) 837-6662Directions
How to apply
- Apply through Housing Programs of the Town of Murphy. They run this development and take applications.
- Call the housing authority at (828) 837-6662.
- These records do not show openings — call to confirm vacancies and waiting lists.
At this building
- Bedrooms (estimated)
- 26 1 bedroom · 39 2 bedrooms · 19 3 bedrooms
- Average tenant rent
- $394/mo
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Nearby income-restricted buildings
Arc/Hds Cherokee Co Gh #2
33 Gentle Dove Lane, Murphy, NC 28906
1.6 mi away
7 units · 6 income-restricted · Studio · People with disabilities
Rents and income limits in 28906
- Fair market rent, 2 bedrooms
- $1,010/mo
- Income needed to pay it at 30% of income
- $40,400/yr
- Renters in 28906 paying 30% or more of income on rent
- 38%
Income limits (2026)
Cherokee County, NC area · median family income $73,900. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $16,450 | $27,450 | $43,900 |
| 2 | $21,640 | $31,350 | $50,150 |
| 3 | $27,320 | $35,250 | $56,400 |
| 4 | $33,000 | $39,150 | $62,650 |
| 5 | $38,680 | $42,300 | $67,700 |
| 6 | $44,360 | $45,450 | $72,700 |
| 7 | $48,550 | $48,550 | $77,700 |
| 8 | $51,700 | $51,700 | $82,700 |
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 | 28906 | Wider area |
|---|---|---|
| Studio | $800 | $705 |
| 1 bedroom | $860 | $817 |
| 2 bedrooms | $1,010 | $1,012 |
| 3 bedrooms | $1,340 | $1,343 |
| 4 bedrooms | $1,590 | $1,585 |
Wider area = Cherokee County, NC. Two-bedroom fair market rents in 4 nearby ZIPs range from $1,030 (28902) to $1,140 (28905).
Census figures for 28906 (2020–2024 average): median rent $797. Median household income $55,759. 16% of homes are rented. 38% of renters pay 30% or more of their income on rent, and 16% 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 28906's fair market rent.
Estimate your Section 8 rent share for 28906Frequently Asked Questions
How do I apply to Cool Springs?
Apply through Housing Programs of the Town of Murphy, which runs Cool Springs. Call (828) 837-6662. Do not treat a walk-up at the building as the application. These records do not show openings.
Is Cool Springs Section 8 housing?
Cool Springs is public housing, not a project-based Section 8 contract. Apply with the housing authority. A Housing Choice Voucher is a separate program.
How many units are at Cool Springs?
Public records list 84 units at Cool Springs in Murphy, NC 28906. That is a building size, not a count of open apartments.
Are there other affordable apartments near Cool Springs?
Yes — this page lists other income-restricted buildings in 28906 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 Cool Springs?
Call the number on this page and ask about the waiting list or how to apply at Cool Springs in Murphy, NC 28906. 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 Murphy, NC 28906?
Most income-restricted buildings in Murphy, NC 28906 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 $27,450, and $39,150 for a 4-person household. Public housing can go up to 80% ($43,900 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 Murphy, NC 28906?
For many programs in Murphy, NC 28906, the 2026 HUD very low-income (50%) limit is $27,450 a year for 1 person and $39,150 for 4 people. The low-income (80%) limit is $43,900 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 Murphy, NC 28906?
In public housing and most Section 8 in Murphy, NC 28906, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Murphy, NC 28906 is $1,010 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 Cool Springs take Section 8 vouchers?
This file does not say that Cool Springs has a project-based Section 8 contract. Some landlords in Murphy, NC 28906 accept Housing Choice Vouchers; you have to ask. Apply for a voucher with the housing authority, then call Cool Springs.
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.