Southgate Apts — Income-Restricted Housing in Schenectady, NY 12304
185-199 Frank St, Schenectady, NY 12304
292 units · 269 income-restricted · 1–3 BR
Leasing office: (518) 374-9797Directions
How to apply
- Call the leasing office at (518) 374-9797 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
- 1994
- Bedrooms
- 85 1 bedroom · 165 2 bedrooms · 19 3 bedrooms
- HUD inspection
- HUD inspection score: 75/100 (Oct 2025) HUD inspects subsidized buildings on a 0–100 scale. This is a snapshot, not a pass/fail grade.
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Nearby income-restricted buildings
Eastside
133 Steinmetz Homes, Schenectady, NY 12304
0 mi away
302 units · 1–3 BR
- Apply through Schenectady Municipal Housing Authority
- Residents waited about 54 months to move in (HUD, Oct 2026)
- Several buildings — call for addresses
Lawrence Commons
2660 Albany St, Schenectady, NY 12304
0.8 mi away
12 units · 1 BR · People with disabilities
Mont Pleasant Commons
1502 Chrisler Ave, Schenectady, NY 12303
1 mi away
50 units · 49 income-restricted · 1 BR
Hillside View Apts
602 Craig St, Schenectady, NY 12307
1.3 mi away
58 units · Studio–3 BR · People with disabilities
- Several buildings — call for addresses
Hamilton Hill II aka Hillside Crossin
710 Stanley Street, Schenectady, NY 12307
1.4 mi away
85 units · 54 income-restricted · 1–3 BR · People with disabilities
State Hulett Nsa
799 Albany Street, Schenectady, NY 12307
1.5 mi away
105 units · 104 income-restricted · Studio–3 BR · People with disabilities
Depaul Schenectady - Josephe L Allen
780 Albany St, Schenectady, NY 12307
1.5 mi away
51 units · Studio–2 BR
Renaissance Square
104 Irving Street, Schenectady, NY 12308
1.6 mi away
55 units · Studio–2 BR · People with disabilities
Rents and income limits in 12304
- Fair market rent, 2 bedrooms
- $1,540/mo
- Income needed to pay it at 30% of income
- $61,600/yr
- Renters in 12304 paying 30% or more of income on rent
- 57%
Income limits (2026)
Albany-Schenectady-Troy, NY area · median family income $123,100. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $25,900 | $43,100 | $68,950 |
| 2 | $29,600 | $49,250 | $78,800 |
| 3 | $33,300 | $55,400 | $88,650 |
| 4 | $36,950 | $61,550 | $98,500 |
| 5 | $39,950 | $66,500 | $106,400 |
| 6 | $44,360 | $71,400 | $114,300 |
| 7 | $50,040 | $76,350 | $122,150 |
| 8 | $55,720 | $81,250 | $130,050 |
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 | 12304 | Wider area |
|---|---|---|
| Studio | $1,100 | $1,238 |
| 1 bedroom | $1,280 | $1,425 |
| 2 bedrooms | $1,540 | $1,711 |
| 3 bedrooms | $1,840 | $2,039 |
| 4 bedrooms | $2,030 | $2,249 |
Wider area = Albany-Schenectady-Troy, NY. Two-bedroom fair market rents in 12 nearby ZIPs range from $1,540 (12303) to $2,110 (12084).
Census figures for 12304 (2020–2024 average): median rent $1,100. Median household income $69,235. 40% of homes are rented. 57% of renters pay 30% or more of their income on rent, and 44% 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 12304's fair market rent.
Estimate your Section 8 rent share for 12304Frequently Asked Questions
How do I apply to Southgate Apts?
Call (518) 374-9797 and ask about applying, vacancies, and waiting lists at Southgate Apts in Schenectady, NY 12304. These records do not show openings.
Is Southgate Apts Section 8 housing?
Southgate Apts 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 Southgate Apts?
Public records list 292 units at Southgate Apts in Schenectady, NY 12304. That is a building size, not a count of open apartments.
Are there other affordable apartments near Southgate Apts?
Yes — this page lists other income-restricted buildings in 12304 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 Southgate Apts?
Call the number on this page and ask about the waiting list or how to apply at Southgate Apts in Schenectady, NY 12304. 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 Schenectady, NY 12304?
Most income-restricted buildings in Schenectady, NY 12304 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 $43,100, and $61,550 for a 4-person household. Public housing can go up to 80% ($68,950 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 Schenectady, NY 12304?
For many programs in Schenectady, NY 12304, the 2026 HUD very low-income (50%) limit is $43,100 a year for 1 person and $61,550 for 4 people. The low-income (80%) limit is $68,950 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 Schenectady, NY 12304?
In public housing and most Section 8 in Schenectady, NY 12304, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Schenectady, NY 12304 is $1,540 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 Southgate Apts take Section 8 vouchers?
Southgate Apts 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.