Affordable & Low-Income Housing in Coloma, MI 49038
No income-restricted buildings are listed in 49038 — here are the closest ones.
No income-restricted buildings are listed in Coloma, MI 49038. 32 income-restricted buildings are listed nearby (within about 7 miles). These lists don't show openings — call to ask about vacancies and waiting lists.
Closest to 49038
The 20 closest of 32 in nearby ZIPs. Pick a ZIP below to see all of them.
Tri-City Village
541 N. Main Street, Watervliet, MI 49098
3.2 mi away
56 units · 1–2 BR · People with disabilities
Waterford Park Apts
4089 Medical Park Drive, Watervliet, MI 49098
3.9 mi away
48 units · 1–2 BR
- 3 vacant units reported (Oct 2026) — call to confirm
Harbor Bluff - Phase A
717 Harbor Bluff Ct, Benton Harbor, MI 49022
6.8 mi away
16 units · 2–3 BR
- Apply through Benton Harbor Housing Commission
Harbor Bluff - Phase B
678 Harbor Bluff Ct, Benton Harbor, MI 49022
6.8 mi away
36 units · 8 income-restricted
- Apply through Benton Harbor Housing Commission
Covert Twp Pub Hsg
73860 E Lake St, Covert, MI 49043
7 mi away
40 units · 1–3 BR
- Apply through Covert Public Housing Commission
- Residents waited about 27 months to move in (HUD, Oct 2026)
- Several buildings — call for addresses
Cogic Village (Benton Harbor)
1956 Territorial Rd, Benton Harbor, MI 49022
7.2 mi away
136 units · 1–3 BR
Center Street Apts
530 South Center Street, Hartford, MI 49057
7.7 mi away
32 units · 1–3 BR
- 3 vacant units reported (Oct 2026) — call to confirm
Center Street (In Hartford)
520 S Ctr St, Hartford, MI 49057
7.9 mi away
32 units · 31 income-restricted · 1–3 BR
Country View Apartments
1928 E. Britain Avenue, Benton Harbor, MI 49022
8 mi away
198 units · 197 income-restricted · 1–3 BR · People with disabilities · People experiencing homelessness
McDowell Apts II
55921 Co. Rd. 687, Hartford, MI 49057
8.1 mi away
24 units · 1–2 BR
- 3 vacant units reported (Oct 2026) — call to confirm
Buss Avenue
975 Buss Ave, Benton Harbor, MI 49022
8.4 mi away
135 units · 1–3 BR
- Apply through Benton Harbor Housing Commission
- Residents waited about 37 months to move in (HUD, Oct 2026)
Brunson Hill Homes
272 Brunson Ave, Benton Harbor, MI 49022
9 mi away
48 units · 4+ BR · People with disabilities
Harbor Towers
250 E Wall St, Benton Harbor, MI 49022
9 mi away
141 units · 1–3 BR
- Apply through Benton Harbor Housing Commission
- Residents waited about 43 months to move in (HUD, Oct 2026)
No nearby buildings match this filter.
Rents and income limits in 49038
- Fair market rent, 2 bedrooms
- $1,120/mo
- Income needed to pay it at 30% of income
- $44,800/yr
- Renters in 49038 paying 30% or more of income on rent
- 56%
Income limits (2026)
Niles, MI area · median family income $92,200. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $19,400 | $32,300 | $51,650 |
| 2 | $22,150 | $36,900 | $59,000 |
| 3 | $27,320 | $41,500 | $66,400 |
| 4 | $33,000 | $46,100 | $73,750 |
| 5 | $38,680 | $49,800 | $79,650 |
| 6 | $44,360 | $53,500 | $85,550 |
| 7 | $50,040 | $57,200 | $91,450 |
| 8 | $55,720 | $60,900 | $97,350 |
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 | 49038 | Wider area |
|---|---|---|
| Studio | $780 | $802 |
| 1 bedroom | $860 | $887 |
| 2 bedrooms | $1,120 | $1,152 |
| 3 bedrooms | $1,470 | $1,512 |
| 4 bedrooms | $1,470 | $1,514 |
Wider area = Niles, MI. Two-bedroom fair market rents in 5 nearby ZIPs range from $1,010 (49057) to $1,450 (49098).
Census figures for 49038 (2020–2024 average): median rent $938. Median household income $62,636. 23% of homes are rented. 56% of renters pay 30% or more of their income on rent, and 27% 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 49038's fair market rent.
Estimate your Section 8 rent share for 49038Frequently Asked Questions
Is there Section 8 housing in Coloma, MI 49038?
Yes — this directory lists income-restricted buildings in Coloma, MI 49038, 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 Coloma, MI 49038 have openings?
These lists for Coloma, MI 49038 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 Coloma, MI 49038?
Use the phone number on each building card in Coloma, MI 49038. 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 Coloma, MI 49038?
In Coloma, MI 49038, 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 49038?
No income-restricted buildings are listed in ZIP 49038 right now. 32 nearby buildings are shown on this page. Call to confirm openings.
Is there affordable housing near 49038?
Yes — this page also lists 32 income-restricted buildings in ZIP codes near Coloma, MI 49038 (within about 7 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in Coloma, MI 49038?
Most income-restricted buildings in Coloma, MI 49038 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 $32,300, and $46,100 for a 4-person household. Public housing can go up to 80% ($51,650 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 Coloma, MI 49038?
For many programs in Coloma, MI 49038, the 2026 HUD very low-income (50%) limit is $32,300 a year for 1 person and $46,100 for 4 people. The low-income (80%) limit is $51,650 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 Coloma, MI 49038?
There is no single waiting list for Coloma, MI 49038. 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 Coloma, MI 49038?
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 Coloma, MI 49038?
In public housing and most Section 8 in Coloma, MI 49038, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Coloma, MI 49038 is $1,120 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 Coloma, MI 49038?
A Housing Choice Voucher is not automatically accepted at every building in Coloma, MI 49038. 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 Coloma, MI 49038?
This page may still list buildings in Coloma, MI 49038 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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