New Jersey Guide to Affordable Housing Show
 (updated March 16, 2022) Introduction - How to Use the GuideThis Guide to Affordable Housing lists income-restricted affordable housing units for rent and for sale in New Jersey. Affordable housing comes in different varieties, so becoming knowledgeable about housing programs can help in your search. Most of the developments are funded by the federal government or state programs. This Guide lists affordable housing by county and municipality. Each entry identifies the name of the development, the street address, information on whether the unit is for rent or sale, and housing type. The housing programs in this Guide are shown in the table below. There are three housing types. “Family” housing is open to those who meet income requirements. “Age” refers to age-restricted housing for individuals 55 years and older or 62 years and older.“Special” refers to special-needs housing and includes veterans housing, homeless shelters, and group homes for the developmentally disabled. For most of the units, a contact is listed. This can be an owner, developer, or property manager, public agency, church group, or other nonprofit organization. Agents should have information on the requirements for living in the affordable development. The last column shows the program or programs that fund or regulate the development. Income RestrictionsAll the programs specify income limits. The U.S. Department of Housing and Urban Development (HUD) publishes federal income standards, which vary by county and household size. Federal income requirements for New Jersey can be found on the HUD website at:
The State of New Jersey has income standards, too, which vary slightly from the federal standards but operate similarly. Typically, federal and state housing programs restrict eligibility to households with earnings that must be at or below 80 percent of the median family income (MFI) for the county where the housing is located. Some housing programs are intended for lower-income households with earnings between 30 and 50 percent of MFI, while some programs are for very low-income households with earnings at or below 30 percent of MFI.
Public Housing Public housing is one of the oldest and largest federal housing programs. HUD administers federal grants to local public housing authorities (PHAs) and agencies. New Jersey has approximately 100 PHAs listed in Appendix A (pdf / xls). Public housing authorities own and operate income-restricted apartments. Because the demand for these apartments exceeds supply, there often are waiting lists. Federal rules allow housing authorities to give priority to people who live in the communities they serve and for households in dire need. Some housing authorities have Section 8 housing vouchers. This federal assistance is portable, going directly to people, not buildings, and moves with them. New Jersey has over 80,000 Section 8 vouchers. Appendix A (pdf / xls) lists PHAs with Section 8 vouchers. HUD There are other housing programs administered by the U.S. Department of Housing and Urban Development (HUD). Section 221 and Section 236 of the National Housing Act provide mortgage subsidies for affordable apartments. The Section 202 program finances income-restricted housing for elderly residents 62 years of age and older. The Section 811 program finances housing for people with disabilities. Tax Credit The Low-Income Housing Tax Credit (tax credit) program funds affordable rental housing with tax credits. At least 20 percent of the units are affordable to people at or below 50 percent of median county income. Forty percent are affordable to those at or below 60 percent. USDA The U.S. Department of Agriculture (USDA) administers federal grants for income-restricted housing in rural areas. HMFA The New Jersey Housing and Mortgage Finance Agency (HMFA) sells bonds for different to administer different kinds of housing assistance. HMFA’s multifamily housing program funds the construction of income-restricted rental housing throughout the state and is often combined with federal tax credits. MtL “Mount Laurel” housing (MtL) refers to housing built to comply with New Jersey State Supreme Court “Mount Laurel “rulings that New Jersey municipalities have a constitutional obligation to provide for their fair share of regional, affordable housing needs. This type of housing is in every county in New Jersey. Units can be for sale or rent and must be affordable for low- and moderate-income households. Low-income households are defined as those with earnings at or below 50 percent of county MFI. Moderate-income households earn between 50 and 80 percent of MFI. Other ResourcesAffordable housing has many helping hands, including government agencies, church-based groups, and nonprofits. For-profit companies are also important providers. A partial list of some of these groups follows. Organizations that want to be removed from the list should contact the Division of Codes and Standards in the New Jersey Department of Community Affairs at: Guide to Affordable Housing in New Jersey Update New Jersey Department of Community Affairs Attention: Webmaster for Codes & Standards New Jersey Housing Resource Center: The New Jersey Housing and Mortgage Finance Agency (HMFA) has an online system to help households find affordable housing. The agency also administers a variety of programs to spread rental opportunities and remove obstacles to homeownership. For more information visit NJHMFA.gov. HUD website : The U.S. Department of Housing and Urban Development (HUD) administers grants and other programs to increase housing opportunities and maintains lists of federally funded housing by state. The federal agency has a good website with lots of useful information. See also HUD.gov.Community Action Agencies: Community action agencies are nonprofit organizations often involved in affordable housing production or the provision of supportive social services: NJDCA - HCROCA Fair Housing Act Administration: Local Planning Services, formally the Council on Affordable Housing, adopts and interprets fair housing rules that determine affordable housing needs and specify how municipalities meet them: NJDCA - LPS The New Jersey Affordable Housing Management Association : This nonprofit association was created to advocate on behalf of
affordable housing providers and offer them educational services to improve their effectiveness: JAHMA.org. This organization represents more than 250 nonprofit and community development corporations that build housing in the state: HCDNNJ.org. Private and Nonprofit Developers AAH Management Alpert Group Altman Group Applied Housing Columbus Property Management Community
Grants, Planning, and Housing (CGP&H) Community Investment Strategies / CIS Conifer Realty LLC Coughlin Management Company ETC Companies Fair Share Housing Center Foundation Housing Gershen Group / Moderate Income Management Habitat for Humanity Ingerman Properties Jewish Community Housing Corporation Lincoln Av Capital Loose Leaf Homes LLC Low-Income Housing Investment Group Lutheran Social Ministries of NJ Marzulli Real Estate McCormack Baron Salazar MEND, Inc Michaels Organization / Interstate Realty Management National Church Residences Neighborhood Housing Services of NYC, Inc. New Community Corporation Pennrose
Properties Piazza & Associaties PRD Management / Planners, Researchers, and Developers Regan Development Corp Region 9 (UAW) Housing Corp Reliant Realty Services Roizman Development Corp Rose Community Mgt RPM Development Salem Mgt Company Senior Solutions for the Jersey Shore Silver St Development Corp Silver Tree Residential Triad Walters
Group Realtors Harkes Realty & Associates Special-Needs Housing NJ Department of Human Services Devereux New Jersey Treatment Network EROS Services LLC New Jersey Association for Retarded Citizens (ARC) SERV Behavioral Health Systems Inc. Housing for Former Inmates New Jersey Department of Corrections American Friends Service Committee New Jersey Association of Corrections How do you qualify for affordable housing in NJ?Typically, federal and state housing programs restrict eligibility to households with earnings that must be at or below 80 percent of the median family income (MFI) for the county where the housing is located.
How do I apply for senior housing in NJ?Housing for NJ Seniors
Check with your County Area Agency on Aging for the availability of services in your area or call 1-877-222-3737 for further information.
How much is senior housing in NJ?As of 2021, the national average is $4,300 / month, but in NJ, residents pay approximately $2,350 / month more, with the average cost being $6,650 / month.
Who is eligible for housing assistance in NJ?Elderly: The Head of household must be 62 years of age or over. Family: The Head of household is 18 years of age or an emancipated minor; with or without children. Disabled: The Head of household or Spouse must be permanently disabled.
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Affordable housing for 55 and older in nj
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