Affordable & Low-Income Housing in Osceola, IN 46561
1 affordable building in 46561 · 48 more within 9 mi
Osceola, IN 46561 has 1 income-restricted building: 1 tax credit. 48 more are listed within 9 miles. These lists don't show openings — call to ask about vacancies and waiting lists.
In 46561
No buildings in 46561 match this filter.
Nearby
The 20 closest of 48 in nearby ZIPs. Pick a ZIP below to see all of them.
Bittersweet Pointe
406 Honeysuckle Ln, Mishawaka, IN 46544
1.9 mi away
116 units · 2–3 BR
- Affordability period may have ended — call to confirm
Hellenic Senior Living of Elkhart
2528 Bypass Rd, Elkhart, IN 46514
3.5 mi away
136 units · Studio–1 BR
Eastgate Apartments
900 Roosevelt Dr, Mishawaka, IN 46544
3.8 mi away
96 units · 38 income-restricted · 1–2 BR
Oaklawn Apartments
2518 Oakland Ave, Elkhart, IN 46517
4.5 mi away
22 units · 21 income-restricted · 1–2 BR · People with disabilities
Oakland Estates Apartments
2518 Oakland Ave, Elkhart, IN 46517
4.5 mi away
12 units · 1 BR · People with disabilities
The Preserve at Fir Road
2705 Spicer Ln, Mishawaka, IN 46545
4.7 mi away
144 units · 122 income-restricted · 2–4+ BR · People with disabilities
Ahepa Penelope 60 Apartments
810 S Merrifield Ave, Mishawaka, IN 46544
5 mi away
50 units · 1 BR · People with disabilities
Rosedale Hi-Rise
501 W Indiana Ave, Elkhart, IN 46516
5.1 mi away
101 units · 1–2 BR
- Apply through Housing Authority of the City of Elkhart
- Residents waited about 69 months to move in (HUD, Oct 2026)
Washington Gardens
410 W Indiana Ave, Elkhart, IN 46516
5.1 mi away
194 units · 1–3 BR
- Apply through Housing Authority of the City of Elkhart
- Residents waited about 31 months to move in (HUD, Oct 2026)
Cornerstone
500 S Main St, Elkhart, IN 46516
5.3 mi away
83 units · Studio–2 BR
- Affordability period may have ended — call to confirm
River View 500
500 Lincolnway E, Mishawaka, IN 46544
5.3 mi away
151 units · 1 BR
- Apply through Housing Authority of the City of Mishawaka
- Residents waited about 12 months to move in (HUD, Oct 2026)
Garden View Senior Apartments
1119 N Main, Elkhart, IN 46514
5.4 mi away
55 units · 1–2 BR
- Several buildings — call for addresses
Barbee Creek Village
506 E 12th St, Mishawaka, IN 46544
5.4 mi away
148 units · 1–3 BR
- Apply through Housing Authority of the City of Mishawaka
- Residents waited about 44 months to move in (HUD, Oct 2026)
Roosevelt Center
215 E Indiana Ave, Elkhart, IN 46516
5.6 mi away
35 units · 33 income-restricted · 1–3 BR · People with disabilities · People experiencing homelessness
No nearby buildings match this filter.
Rents and income limits in 46561
- Fair market rent, 2 bedrooms
- $1,420/mo
- Income needed to pay it at 30% of income
- $56,800/yr
- Renters in 46561 paying 30% or more of income on rent
- 45%
Income limits (2026)
South Bend-Mishawaka, IN area · median family income $88,100. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $18,550 | $30,850 | $49,350 |
| 2 | $21,640 | $35,250 | $56,400 |
| 3 | $27,320 | $39,650 | $63,450 |
| 4 | $33,000 | $44,050 | $70,500 |
| 5 | $38,680 | $47,600 | $76,150 |
| 6 | $44,360 | $51,100 | $81,800 |
| 7 | $50,040 | $54,650 | $87,450 |
| 8 | $55,720 | $58,150 | $93,100 |
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 | 46561 | Wider area |
|---|---|---|
| Studio | $1,060 | $937 |
| 1 bedroom | $1,210 | $1,093 |
| 2 bedrooms | $1,420 | $1,276 |
| 3 bedrooms | $1,740 | $1,545 |
| 4 bedrooms | $1,880 | $1,677 |
Wider area = South Bend-Mishawaka, IN. Two-bedroom fair market rents in 12 nearby ZIPs range from $1,170 (46517) to $1,910 (46530).
Census figures for 46561 (2020–2024 average): median rent $1,199. Median household income $91,711. 15% of homes are rented. 45% of renters pay 30% or more of their income on rent, and 24% 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 46561's fair market rent.
Estimate your Section 8 rent share for 46561Frequently Asked Questions
Is there Section 8 housing in Osceola, IN 46561?
Yes — this directory lists income-restricted buildings in Osceola, IN 46561, 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 Osceola, IN 46561 have openings?
These lists for Osceola, IN 46561 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 Osceola, IN 46561?
Use the phone number on each building card in Osceola, IN 46561. 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 Osceola, IN 46561?
In Osceola, IN 46561, 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 46561?
This directory lists 1 income-restricted building in Osceola, IN 46561. 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 46561?
Yes — this page also lists 48 income-restricted buildings in ZIP codes near Osceola, IN 46561 (within about 9 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in Osceola, IN 46561?
Most income-restricted buildings in Osceola, IN 46561 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 $30,850, and $44,050 for a 4-person household. Public housing can go up to 80% ($49,350 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 Osceola, IN 46561?
For many programs in Osceola, IN 46561, the 2026 HUD very low-income (50%) limit is $30,850 a year for 1 person and $44,050 for 4 people. The low-income (80%) limit is $49,350 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 Osceola, IN 46561?
There is no single waiting list for Osceola, IN 46561. 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 Osceola, IN 46561?
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 tax-credit apartments in Osceola, IN 46561. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in Osceola, IN 46561?
In public housing and most Section 8 in Osceola, IN 46561, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Osceola, IN 46561 is $1,420 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 Osceola, IN 46561?
A Housing Choice Voucher is not automatically accepted at every building in Osceola, IN 46561. 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 Osceola, IN 46561?
This page may still list buildings in Osceola, IN 46561 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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