Affordable & Low-Income Housing in Smith Lake, NM
No income-restricted buildings are listed in Smith Lake.
No income-restricted buildings are listed in Smith Lake, NM. These lists don't show openings — call to ask about vacancies and waiting lists.
ZIP codes in Smith Lake
Nearby cities
Rents and income limits in 87365
- Fair market rent, 2 bedrooms
- $1,020/mo
- Income needed to pay it at 30% of income
- $40,800/yr
Income limits (2026)
McKinley County, NM area · median family income $56,400. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $15,960 | $25,550 | $40,850 |
| 2 | $21,640 | $29,200 | $46,650 |
| 3 | $27,320 | $32,850 | $52,500 |
| 4 | $33,000 | $36,450 | $58,300 |
| 5 | $38,680 | $39,400 | $63,000 |
| 6 | $42,300 | $42,300 | $67,650 |
| 7 | $45,200 | $45,200 | $72,300 |
| 8 | $48,150 | $48,150 | $77,000 |
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 | 87365 | Wider area |
|---|---|---|
| Studio | $730 | $794 |
| 1 bedroom | $840 | $911 |
| 2 bedrooms | $1,020 | $1,140 |
| 3 bedrooms | $1,240 | $1,358 |
| 4 bedrooms | $1,350 | $1,498 |
Wider area = McKinley County, NM. Two-bedroom fair market rents in 4 nearby ZIPs range from $1,010 (87313) to $1,070 (87312).
Sources: HUD income limits FY2026; HUD Fair Market Rents FY2027 (Small Area FMR for ZIP figures). 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 87365's fair market rent.
Estimate your Section 8 rent share for 87365Frequently Asked Questions
Is there Section 8 housing in Smith Lake, NM?
Yes — this directory lists income-restricted buildings in Smith Lake, NM, 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 Smith Lake, NM have openings?
These lists for Smith Lake, NM 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 Smith Lake, NM?
Use the phone number on each building card in Smith Lake, NM. 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 Smith Lake, NM?
In Smith Lake, NM, 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 Smith Lake, NM?
No income-restricted buildings are listed in Smith Lake, NM right now. Nearby ZIP codes on this page may still have buildings you can call.
People Also Ask
How do I qualify for affordable housing in Smith Lake, NM?
Most income-restricted buildings in Smith Lake, NM 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 $25,550, and $36,450 for a 4-person household. Public housing can go up to 80% ($40,850 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 Smith Lake, NM?
For many programs in Smith Lake, NM, the 2026 HUD very low-income (50%) limit is $25,550 a year for 1 person and $36,450 for 4 people. The low-income (80%) limit is $40,850 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 Smith Lake, NM?
There is no single waiting list for Smith Lake, NM. 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 Smith Lake, NM?
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. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in Smith Lake, NM?
In public housing and most Section 8 in Smith Lake, NM, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Smith Lake, NM is $1,020 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 Smith Lake, NM?
A Housing Choice Voucher is not automatically accepted at every building in Smith Lake, NM. 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 Smith Lake, NM?
This page may still list buildings in Smith Lake, NM that accept seniors without being senior-only. Use the filters and call to ask about age set-asides.