Affordable & Low-Income Housing in Saint Joseph, MI 49085
3 affordable buildings in 49085 · 24 more within 10 mi
Saint Joseph, MI 49085 has 3 income-restricted buildings: 1 public housing, 2 Section 8, and 1 senior. 24 more are listed within 10 miles. These lists don't show openings — call to ask about vacancies and waiting lists.
In 49085
Lake Pines Apartments
2665 Lake Pine Dr, Saint Joseph, MI 49085
156 units · 93 income-restricted · 1–2 BR
Lake View Terrace
601 Port St, Saint Joseph, MI 49085
107 units · 1–2 BR
- Apply through Saint Joseph Housing Commission
- Residents waited about 18 months to move in (HUD, Oct 2026)
No buildings in 49085 match this filter.
Nearby
The 20 closest of 24 in nearby ZIPs. Pick a ZIP below to see all of them.
Harbor Pointe Apts Phase I (Benton Charter Twp)
1981 Plaza Dr, Benton Harbor, MI 49022
2.4 mi away
84 units · 1–2 BR
Blossom Acres
1100 Circle Dr, Benton Harbor, MI 49022
2.6 mi away
300 units · 1–3 BR
- Apply through Benton Township Housing Commission
- Residents waited about 57 months to move in (HUD, Oct 2026)
Adkins Village Apartments
423 Donald Adkins Dr, Fair Plain, MI 49022
2.8 mi away
45 units · 44 income-restricted · 1 BR
HOPE VI/Public Housing
346 Broadway, Benton Harbor, MI 49022
4 mi away
70 units · 3 BR
- Apply through Benton Harbor Housing Commission
- Residents waited about 3 months to move in (HUD, Oct 2026)
- Several buildings — call for addresses
Benton Harbor Hope VI - Phase II
346 Broadway Ave, Benton Harbor, MI 49022
4 mi away
70 units · 3–4+ BR
- Several buildings — call for addresses
Brunson Hill Homes
272 Brunson Ave, Benton Harbor, MI 49022
4.2 mi away
48 units · 4+ BR · People with disabilities
Harbor Towers
250 E Wall St, Benton Harbor, MI 49022
4.3 mi away
141 units · 1–3 BR
- Apply through Benton Harbor Housing Commission
- Residents waited about 43 months to move in (HUD, Oct 2026)
Buss Avenue
975 Buss Ave, Benton Harbor, MI 49022
4.4 mi away
135 units · 1–3 BR
- Apply through Benton Harbor Housing Commission
- Residents waited about 37 months to move in (HUD, Oct 2026)
Country View Apartments
1928 E. Britain Avenue, Benton Harbor, MI 49022
4.6 mi away
198 units · 197 income-restricted · 1–3 BR · People with disabilities · People experiencing homelessness
Cogic Village (Benton Harbor)
1956 Territorial Rd, Benton Harbor, MI 49022
5.4 mi away
136 units · 1–3 BR
No nearby buildings match this filter.
Rents and income limits in 49085
- Fair market rent, 2 bedrooms
- $1,330/mo
- Income needed to pay it at 30% of income
- $53,200/yr
- Renters in 49085 paying 30% or more of income on rent
- 35%
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 | 49085 | Wider area |
|---|---|---|
| Studio | $930 | $802 |
| 1 bedroom | $1,020 | $887 |
| 2 bedrooms | $1,330 | $1,152 |
| 3 bedrooms | $1,750 | $1,512 |
| 4 bedrooms | $1,750 | $1,514 |
Wider area = Niles, MI. Two-bedroom fair market rents in 9 nearby ZIPs range from $1,070 (49111) to $1,360 (49106).
Census figures for 49085 (2020–2024 average): median rent $1,091. Median household income $104,969. 24% of homes are rented. 35% of renters pay 30% or more of their income on rent, and 12% 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 49085's fair market rent.
Estimate your Section 8 rent share for 49085Frequently Asked Questions
Is there Section 8 housing in Saint Joseph, MI 49085?
Yes — this directory lists income-restricted buildings in Saint Joseph, MI 49085, 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 Saint Joseph, MI 49085 have openings?
These lists for Saint Joseph, MI 49085 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 Saint Joseph, MI 49085?
Use the phone number on each building card in Saint Joseph, MI 49085. 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 Saint Joseph, MI 49085?
In Saint Joseph, MI 49085, 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 49085?
This directory lists 3 income-restricted buildings in Saint Joseph, MI 49085. 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 49085?
Yes — this page also lists 24 income-restricted buildings in ZIP codes near Saint Joseph, MI 49085 (within about 10 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in Saint Joseph, MI 49085?
Most income-restricted buildings in Saint Joseph, MI 49085 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 Saint Joseph, MI 49085?
For many programs in Saint Joseph, MI 49085, 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 Saint Joseph, MI 49085?
There is no single waiting list for Saint Joseph, MI 49085. 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 Saint Joseph, MI 49085?
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 in Saint Joseph, MI 49085. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in Saint Joseph, MI 49085?
In public housing and most Section 8 in Saint Joseph, MI 49085, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Saint Joseph, MI 49085 is $1,330 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 Saint Joseph, MI 49085?
A Housing Choice Voucher is not automatically accepted at every building in Saint Joseph, MI 49085. 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 Saint Joseph, MI 49085?
Yes — this directory flags senior (often 62+) buildings in Saint Joseph, MI 49085. 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; 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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