Lowe Gardens Apartments — Income-Restricted Housing in Shepherdstown, WV 25443
350 S Church ST, Shepherstown, WV 25443
24 units · 1 BR · People with disabilities
Leasing office: (301) 774-6131Directions
How to apply
- Call the leasing office at (301) 774-6131 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
- 1984
- Income limit
- 60% AMI
- Bedrooms
- 24 1 bedroom
- HUD inspection
- HUD inspection score: 92/100 (Aug 2025) HUD inspects subsidized buildings on a 0–100 scale. This is a snapshot, not a pass/fail grade.
- Accessible units
- 3
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Nearby income-restricted buildings
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Bolivar Court Apt
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Woodbury Corners
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High Street
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- Affordability period may have ended — call to confirm
Rents and income limits in 25443
- Fair market rent, 2 bedrooms
- $1,290/mo
- Income needed to pay it at 30% of income
- $51,600/yr
- Renters in 25443 paying 30% or more of income on rent
- 42%
Income limits (2026)
Jefferson County, WV area · median family income $128,400. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $26,950 | $44,950 | $71,900 |
| 2 | $30,800 | $51,400 | $82,200 |
| 3 | $34,650 | $57,800 | $92,450 |
| 4 | $38,500 | $64,200 | $102,700 |
| 5 | $41,600 | $69,350 | $110,950 |
| 6 | $44,700 | $74,500 | $119,150 |
| 7 | $50,040 | $79,650 | $127,350 |
| 8 | $55,720 | $84,750 | $135,600 |
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 | 25443 | Wider area |
|---|---|---|
| Studio | $980 | $1,045 |
| 1 bedroom | $990 | $1,052 |
| 2 bedrooms | $1,290 | $1,376 |
| 3 bedrooms | $1,770 | $1,879 |
| 4 bedrooms | $2,160 | $2,300 |
Wider area = Jefferson County, WV. Two-bedroom fair market rents in 12 nearby ZIPs range from $1,110 (25401) to $2,040 (21715).
Census figures for 25443 (2020–2024 average): median rent $1,099. Median household income $111,593. 14% of homes are rented. 42% of renters pay 30% or more of their income on rent, and 22% 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 25443's fair market rent.
Estimate your Section 8 rent share for 25443Frequently Asked Questions
How do I apply to Lowe Gardens Apartments?
Call (301) 774-6131 and ask about applying, vacancies, and waiting lists at Lowe Gardens Apartments in Shepherdstown, WV 25443. These records do not show openings.
Is Lowe Gardens Apartments Section 8 housing?
Lowe Gardens Apartments 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 Lowe Gardens Apartments?
Public records list 24 units at Lowe Gardens Apartments in Shepherdstown, WV 25443. That is a building size, not a count of open apartments.
Are there other affordable apartments near Lowe Gardens Apartments?
Yes — this page lists other income-restricted buildings in 25443 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 Lowe Gardens Apartments?
Call the number on this page and ask about the waiting list or how to apply at Lowe Gardens Apartments in Shepherdstown, WV 25443. 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 Shepherdstown, WV 25443?
Most income-restricted buildings in Shepherdstown, WV 25443 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 $44,950, and $64,200 for a 4-person household. Public housing can go up to 80% ($71,900 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 Shepherdstown, WV 25443?
For many programs in Shepherdstown, WV 25443, the 2026 HUD very low-income (50%) limit is $44,950 a year for 1 person and $64,200 for 4 people. The low-income (80%) limit is $71,900 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 Shepherdstown, WV 25443?
In public housing and most Section 8 in Shepherdstown, WV 25443, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Shepherdstown, WV 25443 is $1,290 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 Lowe Gardens Apartments take Section 8 vouchers?
Lowe Gardens Apartments 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. To add a different building, use the suggestion rubric.