Affordable & Low-Income Housing in Saint James, MD 21781
No income-restricted buildings are listed in 21781 — here are the closest ones.
No income-restricted buildings are listed in Saint James, MD 21781. 42 income-restricted buildings are listed nearby (within about 9 miles). These lists don't show openings — call to ask about vacancies and waiting lists.
Closest to 21781
The 20 closest of 42 in nearby ZIPs. Pick a ZIP below to see all of them.
North Conocheauge
5 N Conococheague St, Williamsport, MD 21795
3.8 mi away
4 units · 3 income-restricted
- Affordability period may have ended — call to confirm
Hopewell Manor
11220-a Pepperbush Circle, Hagerstown, MD 21740
3.8 mi away
32 units · 1–2 BR
- 5 vacant units reported (Oct 2026) — call to confirm
Hopewell Station
11351 Cici Way, Hagerstown, MD 21740
3.9 mi away
60 units · 4 income-restricted · 1–2 BR
Kirkland Homes
203-205 W. Wilson Blvd, Hagerstown, MD 21740
4 mi away
12 units · People with disabilities
Noland Village
1020A Noland Dr, Hagerstown, MD 21740
4.1 mi away
116 units · 2–3 BR
- Apply through Hagerstown Housing Authority
Hopewell Station
11341 Cici Way, Hagerstown, MD 21740
4.6 mi away
60 units · 1–3 BR · People with disabilities
McCleary Hill Phase II
West Washington Street, Hagerstown, MD 21740
4.6 mi away
79 units · 1–4+ BR · People with disabilities
McCleary Hill Phase I
West Washington Street, Hagerstown, MD 21740
4.6 mi away
68 units · 61 income-restricted · 1–4+ BR
C. W. Brooks
45 W Baltimore St, Hagerstown, MD 21740
5.1 mi away
60 units · 1 BR
- Apply through Hagerstown Housing Authority
- Residents waited about 19 months to move in (HUD, Oct 2026)
- Most residents are 62 or older
Potomac Towers
11 W Baltimore St, Hagerstown, MD 21740
5.1 mi away
326 units · 1–2 BR
- Apply through Hagerstown Housing Authority
- Residents waited about 21 months to move in (HUD, Oct 2026)
GATEWAY CROSSING - Phase 2
310 Buena Vista Ave, Hagerstown, MD 21740
5.2 mi away
45 units · 1–3 BR
- Apply through Hagerstown Housing Authority
- Residents waited about 40 months to move in (HUD, Oct 2026)
GATEWAY CROSSING - Phase 3
802 Lanvale St, Hagerstown, MD 21740
5.3 mi away
77 units · 1–3 BR
- Apply through Hagerstown Housing Authority
- Residents waited about 39 months to move in (HUD, Oct 2026)
Elizabeth Court
55 East Washington Street, Hagerstown, MD 21740
5.3 mi away
111 units · 110 income-restricted · 1 BR · People with disabilities
Walnut Towers
12 S Walnut St, Hagerstown, MD 21740
5.3 mi away
150 units · 1–2 BR
- Apply through Hagerstown Housing Authority
- Residents waited about 17 months to move in (HUD, Oct 2026)
GATEWAY CROSSING - Phase 1
181 Ross St, Hagerstown, MD 21740
5.4 mi away
83 units · 1–4+ BR · People with disabilities
- Apply through Hagerstown Housing Authority
- Residents waited about 16 months to move in (HUD, Oct 2026)
GATEWAY CROSSING - Phase 4
1203 W Washington St, Hagerstown, MD 21740
5.4 mi away
85 units · 1–4+ BR
- Apply through Hagerstown Housing Authority
- Residents waited about 61 months to move in (HUD, Oct 2026)
East Franklin Street Apts
201 E Franklin St, Hagerstown, MD 21740
5.4 mi away
8 units · 6 income-restricted
- Affordability period may have ended — call to confirm
North Potomac Street
35 N Potomac St, Hagerstown, MD 21740
5.4 mi away
4 units
- Affordability period may have ended — call to confirm
No nearby buildings match this filter.
Rents and income limits in 21781
- Fair market rent, 2 bedrooms
- $1,260/mo
- Income needed to pay it at 30% of income
- $50,400/yr
Income limits (2026)
Hagerstown, MD area · median family income $105,100. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $21,650 | $36,050 | $57,700 |
| 2 | $24,750 | $41,200 | $65,950 |
| 3 | $27,850 | $46,350 | $74,200 |
| 4 | $33,000 | $51,500 | $82,400 |
| 5 | $38,680 | $55,650 | $89,000 |
| 6 | $44,360 | $59,750 | $95,600 |
| 7 | $50,040 | $63,900 | $102,200 |
| 8 | $55,720 | $68,000 | $108,800 |
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 | 21781 | Wider area |
|---|---|---|
| Studio | $880 | $894 |
| 1 bedroom | $960 | $982 |
| 2 bedrooms | $1,260 | $1,284 |
| 3 bedrooms | $1,680 | $1,714 |
| 4 bedrooms | $1,890 | $1,923 |
Wider area = Hagerstown, MD. Two-bedroom fair market rents in 12 nearby ZIPs range from $1,140 (21734) to $1,570 (21756).
Sources: HUD income limits FY2026; HUD Fair Market Rents FY2027 (Small Area FMR for ZIP figures). 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 21781's fair market rent.
Estimate your Section 8 rent share for 21781Frequently Asked Questions
Is there Section 8 housing in Saint James, MD 21781?
Yes — this directory lists income-restricted buildings in Saint James, MD 21781, 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 Saint James, MD 21781 have openings?
These lists for Saint James, MD 21781 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 Saint James, MD 21781?
Use the phone number on each building card in Saint James, MD 21781. 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 Saint James, MD 21781?
In Saint James, MD 21781, 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 21781?
No income-restricted buildings are listed in ZIP 21781 right now. 42 nearby buildings are shown on this page. Call to confirm openings.
Is there affordable housing near 21781?
Yes — this page also lists 42 income-restricted buildings in ZIP codes near Saint James, MD 21781 (within about 9 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in Saint James, MD 21781?
Most income-restricted buildings in Saint James, MD 21781 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 $36,050, and $51,500 for a 4-person household. Public housing can go up to 80% ($57,700 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 Saint James, MD 21781?
For many programs in Saint James, MD 21781, the 2026 HUD very low-income (50%) limit is $36,050 a year for 1 person and $51,500 for 4 people. The low-income (80%) limit is $57,700 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 Saint James, MD 21781?
There is no single waiting list for Saint James, MD 21781. 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 Saint James, MD 21781?
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 Saint James, MD 21781?
In public housing and most Section 8 in Saint James, MD 21781, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Saint James, MD 21781 is $1,260 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 Saint James, MD 21781?
A Housing Choice Voucher is not automatically accepted at every building in Saint James, MD 21781. 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 Saint James, MD 21781?
This page may still list buildings in Saint James, MD 21781 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.
Map loads here…
This ZIPNearbyOpen a pin for the building name.