Affordable & Low-Income Housing in Garrett, IN 46738
5 affordable buildings in 46738 · 12 more within 10 mi
Garrett, IN 46738 has 5 income-restricted buildings: 4 tax credit, 2 senior, and 1 usda rural. 12 more are listed within 10 miles. These lists don't show openings — call to ask about vacancies and waiting lists.
In 46738
Rosedorf Park Ltd.
1213 S Cowen St, Garrett, IN 46738
22 units · 1 BR
- 2 vacant units reported (Oct 2026) — call to confirm
Sacred Heart Apts
220 S Ijams St, Garrett, IN 46738
42 units · 1–2 BR
- Affordability period may have ended — call to confirm
Oak Tree Villas
Garrett, IN 46738
12 units · 2 BR
- Affordability period may have ended — call to confirm
South Oak Villas
514 W Second Ave, Garrett, IN 46738
12 units · 2 BR
- Affordability period may have ended — call to confirm
No buildings in 46738 match this filter.
Nearby
Jerry Junction
1250 Rohm Dr, Auburn, IN 46706
4.5 mi away
57 units · 1–4+ BR · People with disabilities · People experiencing homelessness
Carmel Ridge Apts
1107 W 15th St, Auburn, IN 46706
4.9 mi away
48 units · 1–3 BR
- Affordability period may have ended — call to confirm
Betz Senior Villas
2106 2108 Doris Dr, Auburn, IN 46706
5.7 mi away
38 units · 32 income-restricted · 1–2 BR
- Affordability period may have ended — call to confirm
Provena Laverna Terrace
517 North Main Street, Avilla, IN 46710
6.1 mi away
51 units · 1–2 BR · People with disabilities
Indian Terrace Villas II
Auburn, IN 46706
6.2 mi away
48 units · 1–2 BR
- Affordability period may have ended — call to confirm
Indian Terrace Villas V
813 Martz Dr, Auburn, IN 46706
7.1 mi away
12 units · 2 BR
- Affordability period may have ended — call to confirm
Indian Terrace Villas IV
901 Martz Dr, Auburn, IN 46706
7.1 mi away
12 units · 2 BR
- Affordability period may have ended — call to confirm
Indian Terrace I Pk Housing & Mgt Co
1100 Huron Way, Auburn, IN 46706
7.2 mi away
80 units · 1–3 BR
- 2 vacant units reported (Oct 2026) — call to confirm
Evergreen Village at Fort Wayne
12523 Auburn Rd, Fort Wayne, IN 46845
8.5 mi away
144 units · 125 income-restricted · Studio–1 BR
No nearby buildings match this filter.
Rents and income limits in 46738
- Fair market rent, 2 bedrooms
- $1,040/mo
- Income needed to pay it at 30% of income
- $41,600/yr
- Renters in 46738 paying 30% or more of income on rent
- 54%
Income limits (2026)
DeKalb County, IN area · median family income $92,000. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $19,350 | $32,200 | $51,550 |
| 2 | $22,100 | $36,800 | $58,900 |
| 3 | $27,320 | $41,400 | $66,250 |
| 4 | $33,000 | $46,000 | $73,600 |
| 5 | $38,680 | $49,700 | $79,500 |
| 6 | $44,360 | $53,400 | $85,400 |
| 7 | $50,040 | $57,050 | $91,300 |
| 8 | $55,720 | $60,750 | $97,200 |
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 | 46738 | Wider area |
|---|---|---|
| Studio | $780 | $765 |
| 1 bedroom | $830 | $814 |
| 2 bedrooms | $1,040 | $1,023 |
| 3 bedrooms | $1,290 | $1,270 |
| 4 bedrooms | $1,370 | $1,344 |
Wider area = DeKalb County, IN. Two-bedroom fair market rents in 7 nearby ZIPs range from $1,010 (46710) to $1,740 (46845).
Census figures for 46738 (2020–2024 average): median rent $879. Median household income $57,545. 19% of homes are rented. 54% of renters pay 30% or more of their income on rent, and 17% 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 46738's fair market rent.
Estimate your Section 8 rent share for 46738Frequently Asked Questions
Is there Section 8 housing in Garrett, IN 46738?
Yes — this directory lists income-restricted buildings in Garrett, IN 46738, 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 Garrett, IN 46738 have openings?
These lists for Garrett, IN 46738 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 Garrett, IN 46738?
Use the phone number on each building card in Garrett, IN 46738. 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 Garrett, IN 46738?
In Garrett, IN 46738, 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 46738?
This directory lists 5 income-restricted buildings in Garrett, IN 46738. 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 46738?
Yes — this page also lists 12 income-restricted buildings in ZIP codes near Garrett, IN 46738 (within about 10 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in Garrett, IN 46738?
Most income-restricted buildings in Garrett, IN 46738 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 $32,200, and $46,000 for a 4-person household. Public housing can go up to 80% ($51,550 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 Garrett, IN 46738?
For many programs in Garrett, IN 46738, the 2026 HUD very low-income (50%) limit is $32,200 a year for 1 person and $46,000 for 4 people. The low-income (80%) limit is $51,550 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 Garrett, IN 46738?
There is no single waiting list for Garrett, IN 46738. 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 Garrett, IN 46738?
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 Garrett, IN 46738. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in Garrett, IN 46738?
In public housing and most Section 8 in Garrett, IN 46738, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Garrett, IN 46738 is $1,040 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 Garrett, IN 46738?
A Housing Choice Voucher is not automatically accepted at every building in Garrett, IN 46738. 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 Garrett, IN 46738?
Yes — this directory flags senior (often 62+) buildings in Garrett, IN 46738. 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; 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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