Affordable & Low-Income Housing in Fort Thomas, KY 41075
2 affordable buildings in 41075 · 158 more within 4 mi
Fort Thomas, KY 41075 has 2 income-restricted buildings: 1 tax credit and 1 Section 8. 158 more are listed within 4 miles. These lists don't show openings — call to ask about vacancies and waiting lists.
In 41075
VOA/ORV-River Road, Inc.
435 River Rd, Fort Thomas, KY 41075
8 units · 7 income-restricted · 1 BR · People with disabilities
Glen Royal Apts
200 Water Works Rd, Fort Thomas, KY 41075
68 units
- Affordability period may have ended — call to confirm
No buildings in 41075 match this filter.
Nearby
The 20 closest of 158 in nearby ZIPs. Pick a ZIP below to see all of them.
City Wide
1500 London Acres Dr, Newport, KY 41071
0.6 mi away
100 units · 1–3 BR
- Apply through Housing Authority of Newport
- Residents waited about 36 months to move in (HUD, Oct 2026)
- Several buildings — call for addresses
Grand Towers
1359 Grand Ave, Newport, KY 41071
0.6 mi away
139 units · 1 BR
- Apply through Housing Authority of Newport
- Residents waited about 20 months to move in (HUD, Oct 2026)
- Most residents are 62 or older
Corpus Christi Apartments aka Basin Housing Phase I
Isabella St., Newport, KY 41071
1.5 mi away
20 units · 1 BR
Canterbury House Apartments - Southgate
Regal Ridge, Southgate, KY 41071
1.5 mi away
230 units · 138 income-restricted · 1–4+ BR
Northern Kentucky Scholar House
W. 6th St, Newport, KY 41071
1.5 mi away
48 units · 2–3 BR
- Several buildings — call for addresses
Vista Pointe Apartments
Vista Pointe Dr., Wilder, KY 41071
1.5 mi away
98 units · 1–3 BR
- Affordability period may have ended — call to confirm
Saratoga Place
Saratoga St., Newport, KY 41071
1.5 mi away
48 units · 1 BR
- Affordability period may have ended — call to confirm
Saratoga Place II
Saratoga Place, Newport, KY 41071
1.5 mi away
48 units · 1 BR
- Affordability period may have ended — call to confirm
Liberty Housing
618 Roberts St, Newport, KY 41071
1.9 mi away
39 units · 2 BR
- Apply through Housing Authority of Newport
- Residents waited about 39 months to move in (HUD, Oct 2026)
- Several buildings — call for addresses
Corpus Apartments
840 Isabella St, Newport, KY 41071
2.1 mi away
10 units
- Apply through Housing Authority of Newport
Central Housing
602 Central Ave, Newport, KY 41071
2.2 mi away
21 units · 1–3 BR
- Apply through Housing Authority of Newport
- Residents waited about 40 months to move in (HUD, Oct 2026)
- Several buildings — call for addresses
8th Street
409 W 8th St, Newport, KY 41071
2.3 mi away
4 units
- Apply through Housing Authority of Newport
- Several buildings — call for addresses
No nearby buildings match this filter.
Rents and income limits in 41075
- Fair market rent, 2 bedrooms
- $1,450/mo
- Income needed to pay it at 30% of income
- $58,000/yr
- Renters in 41075 paying 30% or more of income on rent
- 43%
Income limits (2026)
Cincinnati, OH-KY-IN area · median family income $109,900. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $23,100 | $38,500 | $61,550 |
| 2 | $26,400 | $44,000 | $70,350 |
| 3 | $29,700 | $49,500 | $79,150 |
| 4 | $33,000 | $54,950 | $87,900 |
| 5 | $38,680 | $59,350 | $94,950 |
| 6 | $44,360 | $63,750 | $102,000 |
| 7 | $50,040 | $68,150 | $109,000 |
| 8 | $55,720 | $72,550 | $116,050 |
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 | 41075 | Wider area |
|---|---|---|
| Studio | $1,060 | $1,052 |
| 1 bedroom | $1,130 | $1,128 |
| 2 bedrooms | $1,450 | $1,442 |
| 3 bedrooms | $1,910 | $1,897 |
| 4 bedrooms | $2,150 | $2,141 |
Wider area = Cincinnati, OH-KY-IN. Two-bedroom fair market rents in 12 nearby ZIPs range from $1,290 (41014) to $2,160 (45202).
Census figures for 41075 (2020–2024 average): median rent $1,126. Median household income $104,875. 29% of homes are rented. 43% of renters pay 30% or more of their income on rent, and 26% 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 41075's fair market rent.
Estimate your Section 8 rent share for 41075Frequently Asked Questions
Is there Section 8 housing in Fort Thomas, KY 41075?
Yes — this directory lists income-restricted buildings in Fort Thomas, KY 41075, 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 Fort Thomas, KY 41075 have openings?
These lists for Fort Thomas, KY 41075 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 Fort Thomas, KY 41075?
Use the phone number on each building card in Fort Thomas, KY 41075. 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 Fort Thomas, KY 41075?
In Fort Thomas, KY 41075, 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 41075?
This directory lists 2 income-restricted buildings in Fort Thomas, KY 41075. 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 41075?
Yes — this page also lists 158 income-restricted buildings in ZIP codes near Fort Thomas, KY 41075 (within about 4 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in Fort Thomas, KY 41075?
Most income-restricted buildings in Fort Thomas, KY 41075 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 $38,500, and $54,950 for a 4-person household. Public housing can go up to 80% ($61,550 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 Fort Thomas, KY 41075?
For many programs in Fort Thomas, KY 41075, the 2026 HUD very low-income (50%) limit is $38,500 a year for 1 person and $54,950 for 4 people. The low-income (80%) limit is $61,550 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 Fort Thomas, KY 41075?
There is no single waiting list for Fort Thomas, KY 41075. 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 Fort Thomas, KY 41075?
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 project-based Section 8, tax-credit apartments in Fort Thomas, KY 41075. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in Fort Thomas, KY 41075?
In public housing and most Section 8 in Fort Thomas, KY 41075, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Fort Thomas, KY 41075 is $1,450 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 Fort Thomas, KY 41075?
A Housing Choice Voucher is not automatically accepted at every building in Fort Thomas, KY 41075. 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 Fort Thomas, KY 41075?
This page may still list buildings in Fort Thomas, KY 41075 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. Not affiliated with HUD or USDA. Details can be out of date — confirm with the property before applying.
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