Affordable & Low-Income Housing in North Andover, MA 01845
3 affordable buildings in 01845 · 67 more within 8 mi
North Andover, MA 01845 has 3 income-restricted buildings: 1 tax credit, 1 public housing, and 1 Section 8. 67 more are listed within 8 miles. These lists don't show openings — call to ask about vacancies and waiting lists.
In 01845
Morkeski Meadows
1 McCabe Ct, North Andover, MA 01845
105 units · 1 BR
- Apply through North Andover Housing Authority
- Residents waited about 22 months to move in (HUD, Oct 2026)
No buildings in 01845 match this filter.
Nearby
The 20 closest of 67 in nearby ZIPs. Pick a ZIP below to see all of them.
Marland Place
15 Stevens St, Andover, MA 01810
2.9 mi away
129 units · 26 income-restricted · Studio–2 BR
Beacon Court
100 Market St, Lawrence, MA 01843
3.4 mi away
253 units · 1–3 BR
- Apply through Lawrence Housing Authority
- Residents waited about 9 months to move in (HUD, Oct 2026)
Sacred Heart Apts
23 Hawley St, Lawrence, MA 01843
3.7 mi away
44 units · 1–2 BR · People experiencing homelessness
Creative Living Andover
368 S Main Street, Andover, MA 01810
3.8 mi away
8 units · 1 BR · People with disabilities
Saunders School
243 S Broadway, Lawrence, MA 01843
3.8 mi away
16 units · 2 BR · People with disabilities · People experiencing homelessness
Stone Mill Lofts
72 General Street, Lawrence, MA 01840
3.9 mi away
86 units · 50 income-restricted · 1–3 BR
Valebrook Apartments
7A-7F Summer St, Lawrence, MA 01840
4 mi away
151 units · 150 income-restricted · 1–4+ BR
Garden Street Apartments
186-188 Garden Street, Lawrence, MA 01840
4.1 mi away
10 units · 1 BR · People with disabilities
No nearby buildings match this filter.
Rents and income limits in 01845
- Fair market rent, 2 bedrooms
- $3,010/mo
- Income needed to pay it at 30% of income
- $120,400/yr
- Renters in 01845 paying 30% or more of income on rent
- 53%
Income limits (2026)
Lawrence, MA-NH area · median family income $137,300. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $28,850 | $48,100 | $74,800 |
| 2 | $33,000 | $54,950 | $85,450 |
| 3 | $37,100 | $61,800 | $96,150 |
| 4 | $41,200 | $68,650 | $106,800 |
| 5 | $44,500 | $74,150 | $115,350 |
| 6 | $47,800 | $79,650 | $123,900 |
| 7 | $51,100 | $85,150 | $132,450 |
| 8 | $55,720 | $90,650 | $141,000 |
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 | 01845 | Wider area |
|---|---|---|
| Studio | $2,130 | $1,677 |
| 1 bedroom | $2,300 | $1,809 |
| 2 bedrooms | $3,010 | $2,367 |
| 3 bedrooms | $3,590 | $2,820 |
| 4 bedrooms | $3,960 | $3,111 |
Wider area = Lawrence, MA-NH. Two-bedroom fair market rents in 12 nearby ZIPs range from $2,080 (01834) to $3,160 (01864).
Census figures for 01845 (2020–2024 average): median rent $2,223. Median household income $140,670. 30% of homes are rented. 53% of renters pay 30% or more of their income on rent, and 28% 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 01845's fair market rent.
Estimate your Section 8 rent share for 01845Frequently Asked Questions
Is there Section 8 housing in North Andover, MA 01845?
Yes — this directory lists income-restricted buildings in North Andover, MA 01845, 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 North Andover, MA 01845 have openings?
These lists for North Andover, MA 01845 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 North Andover, MA 01845?
Use the phone number on each building card in North Andover, MA 01845. 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 North Andover, MA 01845?
In North Andover, MA 01845, 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 ZIP 01845?
This directory lists 3 income-restricted buildings in North Andover, MA 01845. The list does not show vacancies — call each property or the housing authority to ask about openings and waiting lists.
Is there affordable housing near 01845?
Yes — this page also lists 67 income-restricted buildings in ZIP codes near North Andover, MA 01845 (within about 8 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in North Andover, MA 01845?
Most income-restricted buildings in North Andover, MA 01845 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 $48,100, and $68,650 for a 4-person household. Public housing can go up to 80% ($74,800 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 North Andover, MA 01845?
For many programs in North Andover, MA 01845, the 2026 HUD very low-income (50%) limit is $48,100 a year for 1 person and $68,650 for 4 people. The low-income (80%) limit is $74,800 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 North Andover, MA 01845?
There is no single waiting list for North Andover, MA 01845. 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 North Andover, MA 01845?
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. This page lists public housing, project-based Section 8, tax-credit apartments in North Andover, MA 01845. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in North Andover, MA 01845?
In public housing and most Section 8 in North Andover, MA 01845, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near North Andover, MA 01845 is $3,010 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.
Can I use a Section 8 voucher at affordable apartments in North Andover, MA 01845?
A Housing Choice Voucher is not automatically accepted at every building in North Andover, MA 01845. 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 North Andover, MA 01845?
This page may still list buildings in North Andover, MA 01845 that accept seniors without being senior-only. Use the filters and call to ask about age set-asides.
Nearby ZIP codes
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.
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