Affordable & Low-Income Housing in Montgomery, IL 60538
1 affordable building in 60538 · 24 more within 8 mi
Montgomery, IL 60538 has 1 income-restricted building: 1 tax credit and 1 senior. 24 more are listed within 8 miles. These lists don't show openings — call to ask about vacancies and waiting lists.
In 60538
Montgomery Farms Senior Apts
1500 Briarcliff Rd, Montgomery, IL 60538
122 units · 1–2 BR
- Affordability period may have ended — call to confirm
No buildings in 60538 match this filter.
Nearby
The 20 closest of 24 in nearby ZIPs. Pick a ZIP below to see all of them.
Jericho Circle
1220 S 4th St, Aurora, IL 60505
1.1 mi away
125 units · 1–3 BR
- Apply through Housing Authority of the City of Aurora
- Residents waited about 38 months to move in (HUD, Oct 2026)
Sherman Apartments Association
1230 Pearl St, Aurora, IL 60505
1.2 mi away
16 units · People with disabilities
YMCA Senior Living Center
460 Garfield Ave, Aurora, IL 60506
2.2 mi away
36 units · Studio–1 BR
- Affordability period may have ended — call to confirm
Coulter Court Residences
32 S Broadway, Aurora, IL 60505
2.4 mi away
38 units · 1 BR · People with disabilities
Maple Terrace
905 2nd Ave, Aurora, IL 60505
2.7 mi away
312 units · 1–2 BR
- Apply through Housing Authority of the City of Aurora
- Residents waited about 38 months to move in (HUD, Oct 2026)
Rose Terrace Apts
3820 Wolfs Crossing Rd, Oswego, IL 60543
2.8 mi away
36 units · 1–2 BR
- Affordability period may have ended — call to confirm
Aurora Downtown Revitalization
104 E Downers 2 S Stolph, Aurora, IL 60506
3.2 mi away
76 units · 1–2 BR
Silver Oaks at Waterford
1819 Silver Oaks Cir, Aurora, IL 60504
3.5 mi away
96 units · 1 BR · People with disabilities
Fox Pointe Apts
2074 Fox Pointe Cir, Aurora, IL 60504
3.5 mi away
248 units · 2–3 BR · People with disabilities
- Affordability period may have ended — call to confirm
Association Homes
991 N. Elmwood, Aurora, IL 60506
3.5 mi away
10 units · Studio · People with disabilities
Alden Horizon Sen Living Comm/Waterford
2000 Randi Dr, Aurora, IL 60504
3.5 mi away
98 units · 1–2 BR · People with disabilities
- Affordability period may have ended — call to confirm
Aurora Residential Service
1305 E Indian Trl, Aurora, IL 60505
4.7 mi away
15 units · 1 BR · People with disabilities
No nearby buildings match this filter.
Rents and income limits in 60538
- Fair market rent, 2 bedrooms
- $2,410/mo
- Income needed to pay it at 30% of income
- $96,400/yr
- Renters in 60538 paying 30% or more of income on rent
- 40%
Income limits (2026)
Kendall County, IL area · median family income $135,800. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $28,550 | $47,550 | $74,800 |
| 2 | $32,600 | $54,350 | $85,450 |
| 3 | $36,700 | $61,150 | $96,150 |
| 4 | $40,750 | $67,900 | $106,800 |
| 5 | $44,050 | $73,350 | $115,350 |
| 6 | $47,300 | $78,800 | $123,900 |
| 7 | $50,550 | $84,200 | $132,450 |
| 8 | $55,720 | $89,650 | $141,000 |
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 | 60538 | Wider area |
|---|---|---|
| Studio | $1,890 | $1,778 |
| 1 bedroom | $1,930 | $1,790 |
| 2 bedrooms | $2,410 | $2,341 |
| 3 bedrooms | $3,120 | $3,042 |
| 4 bedrooms | $3,400 | $3,238 |
Wider area = Kendall County, IL. Two-bedroom fair market rents in 12 nearby ZIPs range from $1,750 (60554) to $3,020 (60564).
Census figures for 60538 (2020–2024 average): median rent $1,858. Median household income $97,131. 19% of homes are rented. 40% 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 60538's fair market rent.
Estimate your Section 8 rent share for 60538Frequently Asked Questions
Is there Section 8 housing in Montgomery, IL 60538?
Yes — this directory lists income-restricted buildings in Montgomery, IL 60538, 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 Montgomery, IL 60538 have openings?
These lists for Montgomery, IL 60538 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 Montgomery, IL 60538?
Use the phone number on each building card in Montgomery, IL 60538. 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 Montgomery, IL 60538?
In Montgomery, IL 60538, 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 60538?
This directory lists 1 income-restricted building in Montgomery, IL 60538. 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 60538?
Yes — this page also lists 24 income-restricted buildings in ZIP codes near Montgomery, IL 60538 (within about 8 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in Montgomery, IL 60538?
Most income-restricted buildings in Montgomery, IL 60538 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 $47,550, and $67,900 for a 4-person household. Public housing can go up to 80% ($74,800 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 Montgomery, IL 60538?
For many programs in Montgomery, IL 60538, the 2026 HUD very low-income (50%) limit is $47,550 a year for 1 person and $67,900 for 4 people. The low-income (80%) limit is $74,800 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 Montgomery, IL 60538?
There is no single waiting list for Montgomery, IL 60538. 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 Montgomery, IL 60538?
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 Montgomery, IL 60538. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in Montgomery, IL 60538?
In public housing and most Section 8 in Montgomery, IL 60538, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Montgomery, IL 60538 is $2,410 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 Montgomery, IL 60538?
A Housing Choice Voucher is not automatically accepted at every building in Montgomery, IL 60538. 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 Montgomery, IL 60538?
Yes — this directory flags senior (often 62+) buildings in Montgomery, IL 60538. 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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