Affordable & Low-Income Housing in Gary, IN 46403
10 affordable buildings in 46403 · 61 more within 10 mi
Gary, IN 46403 has 10 income-restricted buildings: 7 tax credit, 2 public housing, and 2 Section 8. 61 more are listed within 10 miles. These lists don't show openings — call to ask about vacancies and waiting lists.
In 46403
Duneland
357 Old Duneland Pkwy, Gary, IN 46403
131 units · 49 income-restricted · 1–3 BR
- Apply through Housing Authority of the City of Gary Indiana
- Residents waited about 29 months to move in (HUD, Oct 2026)
Dorie Miller
6815 E 5th Pl, Gary, IN 46403
47 units · 2–3 BR
- Apply through Housing Authority of the City of Gary Indiana
Lake Shore Landings
415 N Lake St, Gary, IN 46403
682 units · Studio–2 BR
- Affordability period may have ended — call to confirm
220 N Miami St
220 N Miami St, Gary, IN 46403
1 unit · 3 BR
- Affordability period may have ended — call to confirm
No buildings in 46403 match this filter.
Nearby
The 20 closest of 61 in nearby ZIPs. Pick a ZIP below to see all of them.
Serenity Lake Senior Independent Living Facility
5601 Melton Rd, Gary, IN 46402
1.1 mi away
100 units · 1–2 BR
Dorie Miller East Point
2401 Central Ave, Gary, IN 46407
3.2 mi away
70 units · 2–3 BR
- Apply through Housing Authority of the City of Gary Indiana
- Several buildings — call for addresses
Gardens on Carolina
525-563 Carolina Street, Gary, IN 46402
3.7 mi away
39 units · 38 income-restricted · 1 BR
805 Maryland St
805 Maryland St, Gary, IN 46402
3.9 mi away
3 units · 2–3 BR
- Affordability period may have ended — call to confirm
Dalton Apts
131 E Fifth Ave, Gary, IN 46402
4 mi away
67 units · 57 income-restricted · 1–3 BR · People with disabilities
Elderly Highrise
578 Broadway, Gary, IN 46402
4.1 mi away
139 units · 1 BR
- Apply through Housing Authority of the City of Gary Indiana
- Most residents are 62 or older
Horace Mann Apartments
111 W 7th Ave, Gary, IN 46402
4.2 mi away
123 units · 89 income-restricted · 1–4+ BR
- Apply through Housing Authority of the City of Gary Indiana
- Residents waited about 26 months to move in (HUD, Oct 2026)
805 Adams St
805 Adams St, Gary, IN 46402
4.3 mi away
3 units · 2 BR
- Affordability period may have ended — call to confirm
Leased Elderly Highrise
10 W 13th Ave, Gary, IN 46407
4.3 mi away
24 units
- Apply through Housing Authority of the City of Gary Indiana
Gary Manor
1200 Washington St, Gary, IN 46407
4.4 mi away
198 units · 1–3 BR · People with disabilities
Linden House Gary
1500 S. Washington Street, Gary, IN 46407
4.4 mi away
58 units · 57 income-restricted · 1 BR
No nearby buildings match this filter.
Rents and income limits in 46403
- Fair market rent, 2 bedrooms
- $1,220/mo
- Income needed to pay it at 30% of income
- $48,800/yr
- Renters in 46403 paying 30% or more of income on rent
- 61%
Income limits (2026)
Gary, IN area · median family income $100,900. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $21,200 | $35,350 | $56,500 |
| 2 | $24,200 | $40,400 | $64,600 |
| 3 | $27,320 | $45,450 | $72,650 |
| 4 | $33,000 | $50,450 | $80,700 |
| 5 | $38,680 | $54,500 | $87,200 |
| 6 | $44,360 | $58,550 | $93,650 |
| 7 | $50,040 | $62,600 | $100,100 |
| 8 | $55,720 | $66,600 | $106,550 |
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 | 46403 | Wider area |
|---|---|---|
| Studio | $950 | $1,117 |
| 1 bedroom | $1,000 | $1,176 |
| 2 bedrooms | $1,220 | $1,429 |
| 3 bedrooms | $1,480 | $1,739 |
| 4 bedrooms | $1,620 | $1,898 |
Wider area = Gary, IN. Two-bedroom fair market rents in 11 nearby ZIPs range from $1,150 (46407) to $1,760 (46410).
Census figures for 46403 (2020–2024 average): median rent $966. Median household income $45,991. 51% of homes are rented. 61% of renters pay 30% or more of their income on rent, and 28% 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 46403's fair market rent.
Estimate your Section 8 rent share for 46403Frequently Asked Questions
Is there Section 8 housing in Gary, IN 46403?
Yes — this directory lists income-restricted buildings in Gary, IN 46403, 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 Gary, IN 46403 have openings?
These lists for Gary, IN 46403 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 Gary, IN 46403?
Use the phone number on each building card in Gary, IN 46403. 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 Gary, IN 46403?
In Gary, IN 46403, 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 46403?
This directory lists 10 income-restricted buildings in Gary, IN 46403. 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 46403?
Yes — this page also lists 61 income-restricted buildings in ZIP codes near Gary, IN 46403 (within about 10 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in Gary, IN 46403?
Most income-restricted buildings in Gary, IN 46403 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 $35,350, and $50,450 for a 4-person household. Public housing can go up to 80% ($56,500 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 Gary, IN 46403?
For many programs in Gary, IN 46403, the 2026 HUD very low-income (50%) limit is $35,350 a year for 1 person and $50,450 for 4 people. The low-income (80%) limit is $56,500 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 Gary, IN 46403?
There is no single waiting list for Gary, IN 46403. 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 Gary, IN 46403?
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 Gary, IN 46403. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in Gary, IN 46403?
In public housing and most Section 8 in Gary, IN 46403, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Gary, IN 46403 is $1,220 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 Gary, IN 46403?
A Housing Choice Voucher is not automatically accepted at every building in Gary, IN 46403. 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 Gary, IN 46403?
This page may still list buildings in Gary, IN 46403 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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