Low Income Apartments and Affordable Housing For Rent in Cumberland, MD (2024)

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Discover affordable housing in Cumberland where there are 22+ housing opportunities based on income and household needs like accessible units for seniors or persons with disabilities. Find and apply to these low income apartments now.

Orchard Mews

16116 Orchard Mews Drive, SW, Cumberland, Maryland 21502

bed1-2

switch_access_shortcutShort Wait

paymentSubsidized

real_estate_agentAccepts Vouchers

elderlySenior

paymentIncome Based

accessibilityAccessible

Old Towne Manor

1510 E Oldtown Rd, Cumberland, Maryland 21502

bed1-3

The Cascades

701 E 4th St STE Ofc , Cumberland, Maryland 21502

switch_access_shortcutShort Wait

real_estate_agentAccepts Vouchers

paymentIncome Based

accessibilityAccessible

Cumberland Arms

10 N Liberty St, Cumberland, Maryland 21502

How To Identify Affordable Housing in Cumberland, Maryland

Look for program and preference badges on affordable apartment listings. These badges can help you identify the types of low income housing each apartment offers and if you may be eligbile for rental assistance or reduced rents.

Badge	Description
switch_access_shortcutShort Wait	Low income apartments with no or short waiting lists.
paymentSubsidized	Low income housing where the rent is subsidized and the renter pays only a portion of total rent.
real_estate_agentAccepts Vouchers	Apartments that accept Section 8 vouchers near you
elderlySenior	Rental housing for seniors who are 55 (or sometimes 62) and older.
paymentIncome Based	Affordable apartments where the rent paid is based on renter income.
accessibilityAccessible	Meets Accessibilty Requirements of the Fair Housing Act, the ADA, or HUD policy.
accessible_forwardDisability	Apartments for individuals or families with disabilities.
real_estate_agentNaturally Affordable	Naturally Occuring Affordable Housing - or NOAH - is any housing unit that offers affordable rent without participating in a rent subsidy program.

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The Hourly Wage Needed to Afford A Safe, Modest 2 Bed Apartment InCumberland, Maryland

$17.42/hour

$2.42

(+16%) more thanMaryland minimum wage and

$10.17

(+140%) more than the Federal minimum wage.

Learn More About Cumberland, Maryland AffordableHousing ↓

What HUD offices serve Cumberland, Maryland?

Public Housing Agencies operate federally assisted affordable housing programs atlocal levels on behalf of HUD. Notably, housing agencies are responsible for managing Section 8Housing Choice Voucher, Public Housing, and Project-Based Voucher waiting lists within theirjurisdiction.

Cumberland Housing Group

Operates the Public Housing programs for Cumberland, Maryland.

Allegany County Housing Authority

Operates the Public Housing programs for Cumberland, Maryland.

Maryland Department of Housing and Community Development

Operates the Section 8 Housing Choice Voucher (HCV), Family Self-Sufficiency, Homeownership, Section 8 HCV Money Follows the Person (MFP) programs for Cumberland, Maryland.

Go to theMarylandPublic Housing and Low-Income Apartments Waiting Lists page for openings near Cumberland.

How many renters live in Cumberland, Maryland?

The City of Cumberland has 19,041people living in 8,343 households.

There are 6,739 renters living in3,409 renter households in thisCity. Renters make up 35.39percent of the population living in Cumberland.

What is the rental market like in Cumberland, Maryland?

There are an estimated 10,331 housing units in theCumberland area. Of these, 3,770 units are rentalhomes, making up 36 percent of the housing market. Forevery renter household in Cumberland, Maryland, there are1 rental units.

What is the vacancy rate for rentals in Cumberland?

The rental vacancy rate in Cumberland is 9 percent.This is ahigher than averagevacancy rate.When rental vacancy rates are high it means that there are a lot of available units and rents tendto be lower.

How many rental units are in Cumberland for each bedroom size?

Occupied Rental Units by Size in Cumberland

Studio	One-Bedroom	Two-Bedroom	Three-Bedroom	Four+ Bedrooms
233	1,124	999	798	165

Occupied Rental Units by Size in Cumberland

A large number of apartments in Cumberland have two or fewer bedrooms. Seniors and youngprofessionalsespecially may have more success finding an apartment that meets their needs.

How many renter households in Cumberland are overburdened by housing costs?

Among renter households in this market, 46percent havehousing cost burden. Further, 18percent of households are extremely rent overburdened. When renters pay too much for their housing, itleaveslittle money for other necessities like food, clothes, or medicine.

The federal government says that renters arecost-burdened if they pay more than a third of their monthly income for rent and utilities.

How Much Is Rent in Cumberland

Depending on size, the Fair Market Rent - HUDs measurement of the cost of an average housing unit - rangesfrom $624 to $1,453. FMRs areupdated annually by HUD for every city and county nationwide.

Bed Size	2024 Fair Market Rents
Studio	$624
One BR	$736
Two BR	$920
Three BR	$1,186
Four BR	$1,453

2024 Fair Market Rents in Cumberland, Maryland

How many units are rented at Fair Market Rent (FMR) in Cumberland?

Renters with a Section 8 Housing Choice Voucher must select a home that is at or below the area’s FairMarket Rent. Markets with a large share of units above FMR tend to have longer search times to find aqualified unit, while those with a large share of units below FMR tend to have more choices and shortersearch times. The share below FMR can vary by size of unit, as shown in the table below.

These are the approximate number of units renting below the FMR in this market:

Unit Size	Count of Units Below FMR	Percentage of Total Units Below FMR
Studio	210	90 percent
One BR	919	82 percent
Two BR	634	63 percent

Rental Units Below FMR in Cumberland, Maryland

How many affordable rental units are in Cumberland?

There are a variety of federal affordable housing programs serving households inCumberland, Maryland including the following:

Federal Program	Unit Count
Low Income Housing Tax Credit	498
Public Housing	380
Section 8 Project-Based Rental Assistance	420

Tracked Units by Federal Program in Cumberland, Maryland

Rental units may be funded in part by multiple federal programs.

Income Based Apartments in Cumberland, Maryland

Cumberland features 881 income based apartments.Tenants of income based apartments typically pay no more than 30% of their income towards rent andutilities.

Low Rent Apartments in Cumberland, Maryland

There are 254 rent subsidized apartments that do notprovide direct rental assistance but remain affordable to low income households in Cumberland.

Housing Choice Vouchers in Cumberland, Maryland

On average, Section 8 Housing Choice vouchers pay Cumberland landlords$700 per month towards rent. The average voucher holdercontributes $300 towards rent inCumberland.

The maximum amount a voucher would pay on behalf of a low-income tenant in Cumberland, Maryland fora two-bedroom apartment is between $828 and $1,012.

Sourced from federal housing data and AffordableHousingOnline.comresearch.

Affordable Housing Tip

Know your rights as a Section 8 tenant.

Some states and local governments have laws that protect renters with a Section 8 voucher who are looking for an available unit. Check your local laws.

What Renters Say About Us

Dawn Cournoyer says:

"Affordable Housing Online is a great resource! The site gives people a great place to search for housing list openings."