Covenant Harbor — Income-Restricted Housing in Oak Harbor, OH 43449
234 Finke Rd, Oak Harbor, OH 43449
14 units · 1 BR
Leasing office: (419) 898-6460Directions
How to apply
- Call the leasing office at (419) 898-6460 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
- 2005
- Bedrooms
- 14 1 bedroom
- HUD inspection
- HUD inspection score: 97/100 (Dec 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
Oakwood Manor
524 N Benton St, Oak Harbor, OH 43449
1.1 mi away
24 units · 1 BR
- 1 vacant unit reported (Oct 2026) — call to confirm
Mercy Outreach Ministries III
9129 West State Rt 163, Oak Harbor, OH 43449
1.3 mi away
12 units · 1 BR · People with disabilities
Elmore Retirement Village
633 State St, Elmore, OH 43416
8.3 mi away
60 units · 1–2 BR
- 1 vacant unit reported (Oct 2026) — call to confirm
Rose Acre Manor
400 West Third Street, Port Clinton, OH 43452
9.8 mi away
10 units · 1–2 BR · People with disabilities
Rents and income limits in 43449
- Fair market rent, 2 bedrooms
- $1,130/mo
- Income needed to pay it at 30% of income
- $45,200/yr
- Renters in 43449 paying 30% or more of income on rent
- 54%
Income limits (2026)
Ottawa County, OH area · median family income $102,700. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $21,600 | $35,950 | $57,550 |
| 2 | $24,650 | $41,100 | $65,750 |
| 3 | $27,750 | $46,250 | $73,950 |
| 4 | $33,000 | $51,350 | $82,150 |
| 5 | $38,680 | $55,500 | $88,750 |
| 6 | $44,360 | $59,600 | $95,300 |
| 7 | $50,040 | $63,700 | $101,900 |
| 8 | $55,720 | $67,800 | $108,450 |
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 | 43449 | Wider area |
|---|---|---|
| Studio | $810 | $869 |
| 1 bedroom | $860 | $924 |
| 2 bedrooms | $1,130 | $1,209 |
| 3 bedrooms | $1,350 | $1,441 |
| 4 bedrooms | $1,800 | $1,923 |
Wider area = Ottawa County, OH. Two-bedroom fair market rents in 7 nearby ZIPs range from $1,000 (43442) to $1,230 (43452).
Census figures for 43449 (2020–2024 average): median rent $839. Median household income $71,083. 17% of homes are rented. 54% of renters pay 30% or more of their income on rent, and 24% 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 43449's fair market rent.
Estimate your Section 8 rent share for 43449Frequently Asked Questions
How do I apply to Covenant Harbor?
Call (419) 898-6460 and ask about applying, vacancies, and waiting lists at Covenant Harbor in Oak Harbor, OH 43449. These records do not show openings.
Is Covenant Harbor Section 8 housing?
Covenant Harbor 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 Covenant Harbor?
Public records list 14 units at Covenant Harbor in Oak Harbor, OH 43449. That is a building size, not a count of open apartments.
Are there other affordable apartments near Covenant Harbor?
Yes — this page lists other income-restricted buildings in 43449 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 Covenant Harbor?
Call the number on this page and ask about the waiting list or how to apply at Covenant Harbor in Oak Harbor, OH 43449. 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 Oak Harbor, OH 43449?
Most income-restricted buildings in Oak Harbor, OH 43449 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 $35,950, and $51,350 for a 4-person household. Public housing can go up to 80% ($57,550 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 Oak Harbor, OH 43449?
For many programs in Oak Harbor, OH 43449, the 2026 HUD very low-income (50%) limit is $35,950 a year for 1 person and $51,350 for 4 people. The low-income (80%) limit is $57,550 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 Oak Harbor, OH 43449?
In public housing and most Section 8 in Oak Harbor, OH 43449, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Oak Harbor, OH 43449 is $1,130 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 Covenant Harbor take Section 8 vouchers?
Covenant Harbor 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; 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.