Affordable & Low-Income Housing in Speculator, NY 12164
No income-restricted buildings are listed in 12164 — here are the closest ones.
No income-restricted buildings are listed in Speculator, NY 12164. 2 income-restricted buildings are listed nearby (within about 13 miles). These lists don't show openings — call to ask about vacancies and waiting lists.
Closest to 12164
Indian Lake Apts, LLC
107 Gundel Ct, Indian Lake, NY 12842
12.8 mi away
16 units · 8 income-restricted · 1–3 BR
Indian Lake Sr Hsg
85 White Birch Ln, Indian Lake, NY 12842
13.1 mi away
16 units · 1 BR
- 1 vacant unit reported (Oct 2026) — call to confirm
Peaceful Valley Townhouses
30 Peaceful Valley Rd, North Creek, NY 12853
22.8 mi away
20 units · 1–3 BR · People with disabilities
White Water Manor
10 Manor Rd, North Creek, NY 12839
23.3 mi away
24 units · 1 BR
- 3 vacant units reported (Oct 2026) — call to confirm
Lakeside Terrace
110 S Shore Rd, Old Forge, NY 13420
26.4 mi away
25 units · 1–2 BR
- 4 vacant units reported (Oct 2026) — call to confirm
Mountain Meadows
1 Leland Ave, Schroon Lake, NY 12870
36.8 mi away
40 units · 1–2 BR
- 2 vacant units reported (Oct 2026) — call to confirm
Elizabethtown/Schroon Lake/Port Henry
14 Leland Ave, Schroon Lake, NY 12870
36.9 mi away
40 units · 1–2 BR
Lakeside Manor Apts
38 Fowler Ave, Schroon Lake, NY 12870
37.1 mi away
24 units · 1 BR
- 1 vacant unit reported (Oct 2026) — call to confirm
Ivy Terrace
127 Ivy Ter, Tupper Lake, NY 12986
40.1 mi away
90 units · 1–3 BR
- Apply through Tupper Lake Housing Authority
- Residents waited about 6 months to move in (HUD, Oct 2026)
Overlook Ridge
2 Santos Dr, Gloversville, NY 12078
40.4 mi away
48 units · 1–3 BR
- 6 vacant units reported (Oct 2026) — call to confirm
No nearby buildings match this filter.
Rents and income limits in 12164
- Fair market rent, 2 bedrooms
- $1,570/mo
- Income needed to pay it at 30% of income
- $62,800/yr
- Renters in 12164 paying 30% or more of income on rent
- 41%
Income limits (2026)
Hamilton County, NY area · median family income $94,200. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $19,800 | $33,000 | $52,750 |
| 2 | $22,600 | $37,700 | $60,300 |
| 3 | $27,320 | $42,400 | $67,850 |
| 4 | $33,000 | $47,100 | $75,350 |
| 5 | $38,680 | $50,900 | $81,400 |
| 6 | $44,360 | $54,650 | $87,450 |
| 7 | $50,040 | $58,450 | $93,450 |
| 8 | $55,720 | $62,200 | $99,500 |
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 | 12164 | Wider area |
|---|---|---|
| Studio | $1,150 | $968 |
| 1 bedroom | $1,200 | $982 |
| 2 bedrooms | $1,570 | $1,287 |
| 3 bedrooms | $1,870 | $1,542 |
| 4 bedrooms | $2,060 | $1,703 |
Wider area = Hamilton County, NY.
Census figures for 12164 (2020–2024 average): median rent $1,042. Median household income $62,083. 26% of homes are rented. 41% of renters pay 30% or more of their income on rent, and 6% 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 12164's fair market rent.
Estimate your Section 8 rent share for 12164Frequently Asked Questions
Is there Section 8 housing in Speculator, NY 12164?
Yes — this directory lists income-restricted buildings in Speculator, NY 12164, 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 Speculator, NY 12164 have openings?
These lists for Speculator, NY 12164 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 Speculator, NY 12164?
Use the phone number on each building card in Speculator, NY 12164. 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 Speculator, NY 12164?
In Speculator, NY 12164, 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 12164?
No income-restricted buildings are listed in ZIP 12164 right now. 2 nearby buildings are shown on this page. Call to confirm openings.
Is there affordable housing near 12164?
Yes — this page also lists 2 income-restricted buildings in ZIP codes near Speculator, NY 12164 (within about 13 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in Speculator, NY 12164?
Most income-restricted buildings in Speculator, NY 12164 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 $33,000, and $47,100 for a 4-person household. Public housing can go up to 80% ($52,750 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 Speculator, NY 12164?
For many programs in Speculator, NY 12164, the 2026 HUD very low-income (50%) limit is $33,000 a year for 1 person and $47,100 for 4 people. The low-income (80%) limit is $52,750 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 Speculator, NY 12164?
There is no single waiting list for Speculator, NY 12164. 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 Speculator, NY 12164?
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 Speculator, NY 12164?
In public housing and most Section 8 in Speculator, NY 12164, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Speculator, NY 12164 is $1,570 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 Speculator, NY 12164?
A Housing Choice Voucher is not automatically accepted at every building in Speculator, NY 12164. 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 Speculator, NY 12164?
This page may still list buildings in Speculator, NY 12164 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; USDA Rural Development multifamily, Oct 2026. Not affiliated with HUD or USDA. Details can be out of date — confirm with the property before applying.
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