Affordable & Low-Income Housing in Mcallen, TX 78504
5 affordable buildings in 78504 · 76 more within 10 mi
Mcallen, TX 78504 has 5 income-restricted buildings: 5 tax credit and 3 senior. 76 more are listed within 10 miles. These lists don't show openings — call to ask about vacancies and waiting lists.
In 78504
Nolana Villas
N K Center St. Near E. Nolana Ave., McAllen, TX 78504
124 units · 104 income-restricted · People with disabilities · People experiencing homelessness
Las Palomas
Nwc W Dove Ave & Bicentennial Blvd, McAllen, TX 78504
122 units · 100 income-restricted · People with disabilities · People experiencing homelessness
Jackson Apartments
W Side 3700 Blk N Jackson Rd, McAllen, TX 78504
120 units · 96 income-restricted · People with disabilities · People experiencing homelessness
4608 N D St
4608 N D St, McAllen, TX 78504
4 units · 2 BR
- Affordability period may have ended — call to confirm
400 E Ulex Ave
400 E Ulex Ave, McAllen, TX 78504
2 units · 2 BR
- Affordability period may have ended — call to confirm
No buildings in 78504 match this filter.
Nearby
The 20 closest of 76 in nearby ZIPs. Pick a ZIP below to see all of them.
Hibiscus Village
2400 Hibiscus Avenue, McAllen, TX 78501
2.9 mi away
96 units · 84 income-restricted · People with disabilities · People experiencing homelessness
Avanti West
Nwc of W Alberta Rd. and S. McColl Rd., Edinburg, TX 78539
3.1 mi away
72 units · 70 income-restricted · 1–3 BR · People with disabilities · People experiencing homelessness
307 Gastel Cir
307 Gastel Cir, Edinburg, TX 78539
3.8 mi away
4 units · 1 BR
- Affordability period may have ended — call to confirm
La Posada II
910 S Sugar Rd, Edinburg, TX 78539
3.8 mi away
36 units · 1 BR
- Apply through Edinburg Housing Authority
- Residents waited about 9 months to move in (HUD, Oct 2026)
Lantana
900 S Sugar Rd Apt 57, Edinburg, TX 78539
3.8 mi away
150 units · 1–3 BR
- Apply through Edinburg Housing Authority
- Residents waited about 11 months to move in (HUD, Oct 2026)
312 Gastel Cir
312 Gastel Cir, Edinburg, TX 78539
3.8 mi away
4 units · 1 BR
- Affordability period may have ended — call to confirm
Project 93 04
1421 El Recreo Cir, Edinburg, TX 78539
4 mi away
4 units · 2 BR
- Affordability period may have ended — call to confirm
Edinburg Village Apts
701 S 4th Ave, Edinburg, TX 78539
4.3 mi away
100 units · 1–4+ BR · People with disabilities · People experiencing homelessness
Retama Village Phase II
2500 Jasmine Ave Apt 101, McAllen, TX 78501
4.4 mi away
74 units · 73 income-restricted · 1–3 BR
- Apply through McAllen Housing Authority
Retama Village Phase I
900 N 26th St Apt 211, McAllen, TX 78501
4.4 mi away
128 units · 1–3 BR
- Apply through McAllen Housing Authority
- Residents waited about 47 months to move in (HUD, Oct 2026)
Los Naranjos
210 Eagle Pass Rd, Alton, TX 78573
4.4 mi away
30 units · 1–2 BR
- 1 vacant unit reported (Oct 2026) — call to confirm
Los Pinos Estates
3700 N Robin Ave Apt C, Pharr, TX 78577
4.7 mi away
12 units · 2 BR
- Apply through Pharr Housing Authority
- Residents waited about 20 months to move in (HUD, Oct 2026)
Taylor Senior Village
1617 N. Taylor Rd., Mission, TX 78572
4.8 mi away
112 units · 89 income-restricted
No nearby buildings match this filter.
Rents and income limits in 78504
- Fair market rent, 2 bedrooms
- $1,260/mo
- Income needed to pay it at 30% of income
- $50,400/yr
- Renters in 78504 paying 30% or more of income on rent
- 47%
Income limits (2026)
McAllen-Edinburg-Mission, TX area · median family income $64,000. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $17,600 | $29,300 | $46,900 |
| 2 | $21,640 | $33,500 | $53,600 |
| 3 | $27,320 | $37,700 | $60,300 |
| 4 | $33,000 | $41,850 | $66,950 |
| 5 | $38,680 | $45,200 | $72,350 |
| 6 | $44,360 | $48,550 | $77,700 |
| 7 | $50,040 | $51,900 | $83,050 |
| 8 | $55,250 | $55,250 | $88,400 |
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 | 78504 | Wider area |
|---|---|---|
| Studio | $990 | $801 |
| 1 bedroom | $1,000 | $806 |
| 2 bedrooms | $1,260 | $1,017 |
| 3 bedrooms | $1,620 | $1,305 |
| 4 bedrooms | $1,780 | $1,439 |
Wider area = McAllen-Edinburg-Mission, TX. Two-bedroom fair market rents in 8 nearby ZIPs range from $1,010 (78573) to $1,180 (78503).
Census figures for 78504 (2020–2024 average): median rent $1,173. Median household income $81,905. 30% of homes are rented. 47% of renters pay 30% or more of their income on rent, and 26% 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 78504's fair market rent.
Estimate your Section 8 rent share for 78504Frequently Asked Questions
Is there Section 8 housing in Mcallen, TX 78504?
Yes — this directory lists income-restricted buildings in Mcallen, TX 78504, 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 Mcallen, TX 78504 have openings?
These lists for Mcallen, TX 78504 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 Mcallen, TX 78504?
Use the phone number on each building card in Mcallen, TX 78504. 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 Mcallen, TX 78504?
In Mcallen, TX 78504, 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 78504?
This directory lists 5 income-restricted buildings in Mcallen, TX 78504. 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 78504?
Yes — this page also lists 76 income-restricted buildings in ZIP codes near Mcallen, TX 78504 (within about 10 miles). Pick a nearby ZIP to see every building there.
People Also Ask
How do I qualify for affordable housing in Mcallen, TX 78504?
Most income-restricted buildings in Mcallen, TX 78504 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 $29,300, and $41,850 for a 4-person household. Public housing can go up to 80% ($46,900 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 Mcallen, TX 78504?
For many programs in Mcallen, TX 78504, the 2026 HUD very low-income (50%) limit is $29,300 a year for 1 person and $41,850 for 4 people. The low-income (80%) limit is $46,900 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 Mcallen, TX 78504?
There is no single waiting list for Mcallen, TX 78504. 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 Mcallen, TX 78504?
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 Mcallen, TX 78504. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in Mcallen, TX 78504?
In public housing and most Section 8 in Mcallen, TX 78504, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Mcallen, TX 78504 is $1,260 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 Mcallen, TX 78504?
A Housing Choice Voucher is not automatically accepted at every building in Mcallen, TX 78504. 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 Mcallen, TX 78504?
Yes — this directory flags senior (often 62+) buildings in Mcallen, TX 78504. 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; 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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