Affordable & Low-Income Housing in Elma, IA 50628
No income-restricted buildings are listed in 50628 — here are the closest ones.
No income-restricted buildings are listed in Elma, IA 50628. 2 income-restricted buildings are listed nearby (within about 13 miles). These lists don't show openings — call to ask about vacancies and waiting lists.
Closest to 50628
Hilltop Apts
454 N Miller St, Lime Springs, IA 52155
13.7 mi away
15 units
- Affordability period may have ended — call to confirm
New Hamptons Pleasant Manor
805 W Main St, New Hampton, IA 50659
15.1 mi away
23 units · 1–2 BR
- 2 vacant units reported (Oct 2026) — call to confirm
Crestview Village
806 Second St SW, Cresco, IA 52136
15.3 mi away
32 units · 1–3 BR · People with disabilities
Alert Manor Inc
502 5th Ave W, Cresco, IA 52136
15.4 mi away
23 units · 1–2 BR
- 1 vacant unit reported (Oct 2026) — call to confirm
Burling House
910 1st Ave, Charles City, IA 50616
19.6 mi away
12 units · 1 BR · People with disabilities
Cedar Terrace South
201 Greenlees Cir Apt 1, Charles City, IA 50616
20.3 mi away
147 units · 1–3 BR
- Apply through Charles City Hsg and Redev Authority
- Residents waited about 5 months to move in (HUD, Oct 2026)
Lantern Park Osage
1032 N 10th St, Osage, IA 50461
20.8 mi away
16 units · 2–3 BR · People with disabilities
- 7 vacant units reported (Oct 2026) — call to confirm
Hamlin Garland
831 Heritage Dr, Osage, IA 50461
20.8 mi away
26 units · 1–2 BR
- 10 vacant units reported (Oct 2026) — call to confirm
Cedar Crest
910 13th St, Charles City, IA 50616
21.3 mi away
24 units · 1 BR
- 18 vacant units reported (Oct 2026) — call to confirm
Charles City Iha
601-607 11th Street, Charles City, IA 50616
21.6 mi away
24 units · 1–3 BR
- 10 vacant units reported (Oct 2026) — call to confirm
Fredericksburg Hsg
113 Buckeye St, Fredericksburg, IA 50630
23.2 mi away
10 units · 1–2 BR
- 3 vacant units reported (Oct 2026) — call to confirm
No nearby buildings match this filter.
Rents and income limits in 50628
- Fair market rent, 2 bedrooms
- $930/mo
- Income needed to pay it at 30% of income
- $37,200/yr
- Renters in 50628 paying 30% or more of income on rent
- 42%
Income limits (2026)
Howard County, IA area · median family income $86,700. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $19,800 | $32,950 | $52,750 |
| 2 | $22,600 | $37,650 | $60,250 |
| 3 | $27,320 | $42,350 | $67,800 |
| 4 | $33,000 | $47,050 | $75,300 |
| 5 | $38,680 | $50,850 | $81,350 |
| 6 | $44,360 | $54,600 | $87,350 |
| 7 | $50,040 | $58,350 | $93,400 |
| 8 | $55,720 | $62,150 | $99,400 |
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 | 50628 | Wider area |
|---|---|---|
| Studio | $690 | $688 |
| 1 bedroom | $850 | $852 |
| 2 bedrooms | $930 | $927 |
| 3 bedrooms | $1,280 | $1,284 |
| 4 bedrooms | $1,510 | $1,523 |
Wider area = Howard County, IA. Two-bedroom fair market rents in 4 nearby ZIPs range from $930 (50603) to $1,300 (50466).
Census figures for 50628 (2020–2024 average): median rent $672. Median household income $68,750. 26% of homes are rented. 42% of renters pay 30% or more of their income on rent, and 10% 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 50628's fair market rent.
Estimate your Section 8 rent share for 50628Frequently Asked Questions
Is there Section 8 housing in Elma, IA 50628?
Yes — this directory lists income-restricted buildings in Elma, IA 50628, 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 Elma, IA 50628 have openings?
These lists for Elma, IA 50628 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 Elma, IA 50628?
Use the phone number on each building card in Elma, IA 50628. 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 Elma, IA 50628?
In Elma, IA 50628, 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 50628?
No income-restricted buildings are listed in ZIP 50628 right now. 2 nearby buildings are shown on this page. Call to confirm openings.
Is there affordable housing near 50628?
Yes — this page also lists 2 income-restricted buildings in ZIP codes near Elma, IA 50628 (within about 13 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in Elma, IA 50628?
Most income-restricted buildings in Elma, IA 50628 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 $32,950, and $47,050 for a 4-person household. Public housing can go up to 80% ($52,750 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 Elma, IA 50628?
For many programs in Elma, IA 50628, the 2026 HUD very low-income (50%) limit is $32,950 a year for 1 person and $47,050 for 4 people. The low-income (80%) limit is $52,750 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 Elma, IA 50628?
There is no single waiting list for Elma, IA 50628. 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 Elma, IA 50628?
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 Elma, IA 50628?
In public housing and most Section 8 in Elma, IA 50628, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Elma, IA 50628 is $930 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 Elma, IA 50628?
A Housing Choice Voucher is not automatically accepted at every building in Elma, IA 50628. 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 Elma, IA 50628?
This page may still list buildings in Elma, IA 50628 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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