Affordable & Low-Income Housing in Apalachicola, FL 32320
4 affordable buildings in 32320 · 6 more within 27 mi
Apalachicola, FL 32320 has 4 income-restricted buildings: 2 tax credit, 1 public housing, and 2 usda rural. 6 more are listed within 27 miles. These lists don't show openings — call to ask about vacancies and waiting lists.
In 32320
Cool Springs
155 16th St, Apalachicola, FL 32320
54 units · 1–3 BR
- Apply through Housing Authority of the City of Apalachicola
- Residents waited about 3 months to move in (HUD, Oct 2026)
No buildings in 32320 match this filter.
Nearby
Liberty Manor Apts
102 Liberty Manor Circle, Port St. Joe, FL 32456
14.3 mi away
38 units · 1 BR
- 2 vacant units reported (Oct 2026) — call to confirm
Pine Ridge Apts
125 Venus Drive, Port St. Joe, FL 32456
14.6 mi away
51 units · 1–3 BR
- 7 vacant units reported (Oct 2026) — call to confirm
Driftwood Carver Happy Acres
1202 NW Avenue B Apt 1, Carrabelle, FL 32322
24.3 mi away
50 units · 1–3 BR
- Apply through Northwest Florida Regional Housing Authority
- Residents waited about 6 months to move in (HUD, Oct 2026)
- Several buildings — call for addresses
Carrabelle Cove Apt
807 Gray Avenue, Apt. 33, Carrabelle, FL 32322
25.3 mi away
32 units · 1–3 BR
- 5 vacant units reported (Oct 2026) — call to confirm
Moss Creek Apts.
126 Amy Circle, Wewahitchka, FL 32465
26.9 mi away
24 units · 1–2 BR
- 1 vacant unit reported (Oct 2026) — call to confirm
No nearby buildings match this filter.
Rents and income limits in 32320
- Fair market rent, 2 bedrooms
- $1,260/mo
- Income needed to pay it at 30% of income
- $50,400/yr
- Renters in 32320 paying 30% or more of income on rent
- 65%
Income limits (2026)
Franklin County, FL area · median family income $82,300. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $17,300 | $28,850 | $46,100 |
| 2 | $21,640 | $32,950 | $52,700 |
| 3 | $27,320 | $37,050 | $59,300 |
| 4 | $33,000 | $41,150 | $65,850 |
| 5 | $38,680 | $44,450 | $71,150 |
| 6 | $44,360 | $47,750 | $76,400 |
| 7 | $50,040 | $51,050 | $81,700 |
| 8 | $54,350 | $54,350 | $86,950 |
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 | 32320 | Wider area |
|---|---|---|
| Studio | $1,100 | $930 |
| 1 bedroom | $1,150 | $953 |
| 2 bedrooms | $1,260 | $1,068 |
| 3 bedrooms | $1,670 | $1,408 |
| 4 bedrooms | $1,670 | $1,413 |
Wider area = Franklin County, FL. Two-bedroom fair market rents in 4 nearby ZIPs range from $1,070 (32328) to $1,720 (32456).
Census figures for 32320 (2020–2024 average): median rent $1,049 (uncertain estimate). Median household income $46,713. 27% of homes are rented. 65% of renters pay 30% or more of their income on rent, and 39% 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 32320's fair market rent.
Estimate your Section 8 rent share for 32320Frequently Asked Questions
Is there Section 8 housing in Apalachicola, FL 32320?
Yes — this directory lists income-restricted buildings in Apalachicola, FL 32320, 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 Apalachicola, FL 32320 have openings?
These lists for Apalachicola, FL 32320 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 Apalachicola, FL 32320?
Use the phone number on each building card in Apalachicola, FL 32320. 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 Apalachicola, FL 32320?
In Apalachicola, FL 32320, 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 32320?
This directory lists 4 income-restricted buildings in Apalachicola, FL 32320. 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 32320?
Yes — this page also lists 6 income-restricted buildings in ZIP codes near Apalachicola, FL 32320 (within about 27 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in Apalachicola, FL 32320?
Most income-restricted buildings in Apalachicola, FL 32320 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 $28,850, and $41,150 for a 4-person household. Public housing can go up to 80% ($46,100 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 Apalachicola, FL 32320?
For many programs in Apalachicola, FL 32320, the 2026 HUD very low-income (50%) limit is $28,850 a year for 1 person and $41,150 for 4 people. The low-income (80%) limit is $46,100 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 Apalachicola, FL 32320?
There is no single waiting list for Apalachicola, FL 32320. 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 Apalachicola, FL 32320?
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, tax-credit apartments in Apalachicola, FL 32320. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in Apalachicola, FL 32320?
In public housing and most Section 8 in Apalachicola, FL 32320, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Apalachicola, FL 32320 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 Apalachicola, FL 32320?
A Housing Choice Voucher is not automatically accepted at every building in Apalachicola, FL 32320. 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 Apalachicola, FL 32320?
This page may still list buildings in Apalachicola, FL 32320 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 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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