Affordable & Low-Income Housing in Graceville, FL 32440
5 affordable buildings in 32440 · 10 more within 13 mi
Graceville, FL 32440 has 5 income-restricted buildings: 2 tax credit, 1 public housing, 1 Section 8, 1 senior, and 4 usda rural. 10 more are listed within 13 miles. These lists don't show openings — call to ask about vacancies and waiting lists.
In 32440
Grace Lowe Homes
5490 College Dr, Graceville, FL 32440
66 units · 1–3 BR
- Apply through Northwest Florida Regional Housing Authority
- Residents waited about 10 months to move in (HUD, Oct 2026)
- Several buildings — call for addresses
Graceland Manor Apartments
5445 Brown St, Graceville, FL 32440
50 units · 1–3 BR
- 2 vacant units reported (Oct 2026) — call to confirm
Graceville Estates
1082 Sanders Ave, Graceville, FL 32440
31 units · 1–2 BR
- 8 vacant units reported (Oct 2026) — call to confirm
Graceville Villas
1116 Sanders Avenue, a-1, Graceville, FL 32440
31 units · 1–2 BR
- 6 vacant units reported (Oct 2026) — call to confirm
No buildings in 32440 match this filter.
Nearby
Geneva County Apts
Slocomb Villas, Slocomb, AL 36375
9.6 mi away
51 units · 1–2 BR
- 17 vacant units reported (Oct 2026) — call to confirm
Cottondale Villa
Rr 1 Box 500, Cottondale, FL 32431
10.6 mi away
24 units
- Affordability period may have ended — call to confirm
Marylane Apartments
410 W Indiana Ave, Bonifay, FL 32425
12.7 mi away
20 units · 2 BR
- 3 vacant units reported (Oct 2026) — call to confirm
Cottondale Villas
3111 Willow St, Cottondale, FL 32431
13 mi away
24 units · 1–2 BR
- 4 vacant units reported (Oct 2026) — call to confirm
Sessoms Moore Homes
696 Scenic Circle Dr, Bonifay, FL 32425
13 mi away
56 units · 1–3 BR
- Apply through Northwest Florida Regional Housing Authority
- Residents waited about 10 months to move in (HUD, Oct 2026)
- Several buildings — call for addresses
Foxrun Apartments
620 E. Brock Ave, Bonifay, FL 32425
13.1 mi away
12 units · 1 BR
- 1 vacant unit reported (Oct 2026) — call to confirm
Carroll and Cole Homes
674 W Bateman Ave, Slocomb, AL 36375
13.3 mi away
14 units · 1–3 BR
- Apply through Housing Authority of the Town of Slocomb
- Residents waited about 22 months to move in (HUD, Oct 2026)
Oak Terrace Apts
100 Oak Terrace Ln, Bonifay, FL 32425
13.5 mi away
18 units · 1 BR
- 1 vacant unit reported (Oct 2026) — call to confirm
Bonifay Villas
100 Judy Lucas Drive, #A-2, Bonifay, FL 32425
13.8 mi away
31 units · 1–2 BR
- 5 vacant units reported (Oct 2026) — call to confirm
No nearby buildings match this filter.
Rents and income limits in 32440
- Fair market rent, 2 bedrooms
- $980/mo
- Income needed to pay it at 30% of income
- $39,200/yr
- Renters in 32440 paying 30% or more of income on rent
- 40%
Income limits (2026)
Jackson County, FL area · median family income $65,000. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $16,450 | $27,400 | $43,850 |
| 2 | $21,640 | $31,350 | $50,100 |
| 3 | $27,320 | $35,250 | $56,350 |
| 4 | $33,000 | $39,150 | $62,600 |
| 5 | $38,680 | $42,250 | $67,650 |
| 6 | $44,360 | $45,400 | $72,650 |
| 7 | $48,550 | $48,550 | $77,650 |
| 8 | $51,700 | $51,700 | $82,650 |
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 | 32440 | Wider area |
|---|---|---|
| Studio | $850 | $724 |
| 1 bedroom | $890 | $733 |
| 2 bedrooms | $980 | $962 |
| 3 bedrooms | $1,290 | $1,264 |
| 4 bedrooms | $1,290 | $1,273 |
Wider area = Jackson County, FL. Two-bedroom fair market rents in 4 nearby ZIPs range from $920 (36375) to $1,150 (32431).
Census figures for 32440 (2020–2024 average): median rent $832. Median household income $59,246. 32% of homes are rented. 40% of renters pay 30% or more of their income on rent, and 12% 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 32440's fair market rent.
Estimate your Section 8 rent share for 32440Frequently Asked Questions
Is there Section 8 housing in Graceville, FL 32440?
Yes — this directory lists income-restricted buildings in Graceville, FL 32440, 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 Graceville, FL 32440 have openings?
These lists for Graceville, FL 32440 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 Graceville, FL 32440?
Use the phone number on each building card in Graceville, FL 32440. 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 Graceville, FL 32440?
In Graceville, FL 32440, 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 32440?
This directory lists 5 income-restricted buildings in Graceville, FL 32440. 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 32440?
Yes — this page also lists 10 income-restricted buildings in ZIP codes near Graceville, FL 32440 (within about 13 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in Graceville, FL 32440?
Most income-restricted buildings in Graceville, FL 32440 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 $27,400, and $39,150 for a 4-person household. Public housing can go up to 80% ($43,850 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 Graceville, FL 32440?
For many programs in Graceville, FL 32440, the 2026 HUD very low-income (50%) limit is $27,400 a year for 1 person and $39,150 for 4 people. The low-income (80%) limit is $43,850 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 Graceville, FL 32440?
There is no single waiting list for Graceville, FL 32440. 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 Graceville, FL 32440?
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 Graceville, FL 32440. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in Graceville, FL 32440?
In public housing and most Section 8 in Graceville, FL 32440, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Graceville, FL 32440 is $980 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 Graceville, FL 32440?
A Housing Choice Voucher is not automatically accepted at every building in Graceville, FL 32440. 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 Graceville, FL 32440?
Yes — this directory flags senior (often 62+) buildings in Graceville, FL 32440. 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; 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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