Affordable & Low-Income Housing in Michigan City, MS 38647
No income-restricted buildings are listed in 38647 — here are the closest ones.
No income-restricted buildings are listed in Michigan City, MS 38647. 3 income-restricted buildings are listed nearby (within about 10 miles). These lists don't show openings — call to ask about vacancies and waiting lists.
Closest to 38647
Coyote Creek
Lamar, MS 38642
7.6 mi away
1 unit · 3 BR
- Affordability period may have ended — call to confirm
Coyote Creek II
Lamar, MS 38642
7.6 mi away
12 units · 3 BR
- Affordability period may have ended — call to confirm
St. Mark Village Apts
85 Saint Mark Cove-55, Moscow, TN 38057
11.7 mi away
24 units · 23 income-restricted · Studio–1 BR
Southern Villas of Holly Springs
360 N West St, Holly Springs, MS 38635
17.9 mi away
50 units · 1–3 BR · People with disabilities
- 2 vacant units reported (Oct 2026) — call to confirm
Heritage Trails Apts.
265 Woodward Ave, Holly Springs, MS 38635
18.2 mi away
24 units · 2 BR · People with disabilities
- 2 vacant units reported (Oct 2026) — call to confirm
Holly Homes Valley
250 S Chesterman St, Holly Springs, MS 38635
18.3 mi away
90 units · 1–3 BR
- Apply through The Housing Authority of the City of Holly Springs
- Residents waited about 13 months to move in (HUD, Oct 2026)
Red Oaks Estates
745 Mlk Dr, Holly Springs, MS 38635
18.3 mi away
24 units · 1–2 BR · People with disabilities
Holly Estates Ltd
750 Martin Luther King Jr Dr, Holly Springs, MS 38635
18.3 mi away
24 units · 1–2 BR
- 1 vacant unit reported (Oct 2026) — call to confirm
Holly Hills Apt Ltd
665 Martin Luther King Jr Dr, Holly Springs, MS 38635
18.3 mi away
48 units · 2 BR
- 3 vacant units reported (Oct 2026) — call to confirm
No nearby buildings match this filter.
Rents and income limits in 38647
- Fair market rent, 2 bedrooms
- $940/mo
- Income needed to pay it at 30% of income
- $37,600/yr
- Renters in 38647 paying 30% or more of income on rent
- 29%
Income limits (2026)
Benton County, MS area · median family income $63,000. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $15,960 | $25,200 | $40,350 |
| 2 | $21,640 | $28,800 | $46,100 |
| 3 | $27,320 | $32,400 | $51,850 |
| 4 | $33,000 | $36,000 | $57,600 |
| 5 | $38,680 | $38,900 | $62,250 |
| 6 | $41,800 | $41,800 | $66,850 |
| 7 | $44,650 | $44,650 | $71,450 |
| 8 | $47,550 | $47,550 | $76,050 |
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 | 38647 | Wider area |
|---|---|---|
| Studio | $760 | $767 |
| 1 bedroom | $810 | $827 |
| 2 bedrooms | $940 | $905 |
| 3 bedrooms | $1,180 | $1,127 |
| 4 bedrooms | $1,410 | $1,377 |
Wider area = Benton County, MS. Two-bedroom fair market rents in 5 nearby ZIPs range from $910 (38603) to $1,000 (38057).
Census figures for 38647 (2020–2024 average): Median household income $62,820. 20% of homes are rented. 29% of renters pay 30% or more of their income on rent, and 29% pay half or more.
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 38647's fair market rent.
Estimate your Section 8 rent share for 38647Frequently Asked Questions
Is there Section 8 housing in Michigan City, MS 38647?
Yes — this directory lists income-restricted buildings in Michigan City, MS 38647, 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 Michigan City, MS 38647 have openings?
These lists for Michigan City, MS 38647 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 Michigan City, MS 38647?
Use the phone number on each building card in Michigan City, MS 38647. 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 Michigan City, MS 38647?
In Michigan City, MS 38647, 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 38647?
No income-restricted buildings are listed in ZIP 38647 right now. 3 nearby buildings are shown on this page. Call to confirm openings.
Is there affordable housing near 38647?
Yes — this page also lists 3 income-restricted buildings in ZIP codes near Michigan City, MS 38647 (within about 10 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in Michigan City, MS 38647?
Most income-restricted buildings in Michigan City, MS 38647 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 $25,200, and $36,000 for a 4-person household. Public housing can go up to 80% ($40,350 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 Michigan City, MS 38647?
For many programs in Michigan City, MS 38647, the 2026 HUD very low-income (50%) limit is $25,200 a year for 1 person and $36,000 for 4 people. The low-income (80%) limit is $40,350 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 Michigan City, MS 38647?
There is no single waiting list for Michigan City, MS 38647. 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 Michigan City, MS 38647?
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 Michigan City, MS 38647?
In public housing and most Section 8 in Michigan City, MS 38647, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Michigan City, MS 38647 is $940 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 Michigan City, MS 38647?
A Housing Choice Voucher is not automatically accepted at every building in Michigan City, MS 38647. 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 Michigan City, MS 38647?
This page may still list buildings in Michigan City, MS 38647 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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