Affordable & Low-Income Housing in Locust, NC 28097
4 affordable buildings in 28097 · 15 more within 9 mi
Locust, NC 28097 has 4 income-restricted buildings: 4 tax credit and 1 senior. 15 more are listed within 9 miles. These lists don't show openings — call to ask about vacancies and waiting lists.
In 28097
Town Centre Apartments
259 C Town Centre Drive Adjacent to the Village Apartments, Locust, NC 28097
60 units · 2–3 BR
Locust Grove
199 East Main Street, Locust, NC 28097
72 units
- Affordability period may have ended — call to confirm
No buildings in 28097 match this filter.
Nearby
Circle Drive Group Home
900 Circle Dr, Mount Pleasant, NC 28124
8.1 mi away
7 units · 6 income-restricted · Studio · People with disabilities
CHC of Cabarrus County #2
Ashlyn Drive, Concord, NC 28025
9.4 mi away
7 units · 6 income-restricted · Studio · People with disabilities
Patriots Pointe at Colonial Hills
3699 Patriot's Place, Concord, NC 28025
11.3 mi away
76 units · 2–4+ BR
Wnc Community Homes #3
495 Tripolis St, Concord, NC 28025
11.8 mi away
7 units · 6 income-restricted · People with disabilities
Chapman
395 Dayvault St SW Apt, Concord, NC 28025
12.3 mi away
174 units · 1–3 BR
- Apply through Housing Authority of the City of Concord
Arc/Hds Cabarrus Co Gh #3
211 Long St NE, Concord, NC 28025
13.7 mi away
6 units · 5 income-restricted · 1 BR · People with disabilities
CAC of Cabarrus County #2
210 Misenheimer Dr NW, Concord, NC 28025
14.2 mi away
5 units · 1 BR · People with disabilities
No nearby buildings match this filter.
Rents and income limits in 28097
- Fair market rent, 2 bedrooms
- $1,020/mo
- Income needed to pay it at 30% of income
- $40,800/yr
- Renters in 28097 paying 30% or more of income on rent
- 75%
Income limits (2026)
Stanly County, NC area · median family income $80,400. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $17,650 | $29,450 | $47,050 |
| 2 | $21,640 | $33,600 | $53,750 |
| 3 | $27,320 | $37,800 | $60,450 |
| 4 | $33,000 | $41,950 | $67,150 |
| 5 | $38,680 | $45,350 | $72,550 |
| 6 | $44,360 | $48,700 | $77,900 |
| 7 | $50,040 | $52,050 | $83,300 |
| 8 | $55,400 | $55,400 | $88,650 |
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 | 28097 | Wider area |
|---|---|---|
| Studio | $780 | $769 |
| 1 bedroom | $790 | $774 |
| 2 bedrooms | $1,020 | $1,012 |
| 3 bedrooms | $1,380 | $1,388 |
| 4 bedrooms | $1,470 | $1,447 |
Wider area = Stanly County, NC. Two-bedroom fair market rents in 5 nearby ZIPs range from $1,010 (28163) to $1,520 (28025).
Census figures for 28097 (2020–2024 average): median rent $876. Median household income $76,594. 14% of homes are rented. 75% 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 28097's fair market rent.
Estimate your Section 8 rent share for 28097Frequently Asked Questions
Is there Section 8 housing in Locust, NC 28097?
Yes — this directory lists income-restricted buildings in Locust, NC 28097, 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 Locust, NC 28097 have openings?
These lists for Locust, NC 28097 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 Locust, NC 28097?
Use the phone number on each building card in Locust, NC 28097. 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 Locust, NC 28097?
In Locust, NC 28097, 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 28097?
This directory lists 4 income-restricted buildings in Locust, NC 28097. 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 28097?
Yes — this page also lists 15 income-restricted buildings in ZIP codes near Locust, NC 28097 (within about 9 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in Locust, NC 28097?
Most income-restricted buildings in Locust, NC 28097 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 $29,450, and $41,950 for a 4-person household. Public housing can go up to 80% ($47,050 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 Locust, NC 28097?
For many programs in Locust, NC 28097, the 2026 HUD very low-income (50%) limit is $29,450 a year for 1 person and $41,950 for 4 people. The low-income (80%) limit is $47,050 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 Locust, NC 28097?
There is no single waiting list for Locust, NC 28097. 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 Locust, NC 28097?
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 tax-credit apartments in Locust, NC 28097. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in Locust, NC 28097?
In public housing and most Section 8 in Locust, NC 28097, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Locust, NC 28097 is $1,020 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 Locust, NC 28097?
A Housing Choice Voucher is not automatically accepted at every building in Locust, NC 28097. 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 Locust, NC 28097?
Yes — this directory flags senior (often 62+) buildings in Locust, NC 28097. Use the Seniors filter on the list. Age rules vary; call to confirm.
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.
Map loads here…
This ZIPNearbyOpen a pin for the building name.