Guide to Affordable housing in New Jersey

Other Sources

There are other resources that have information on affordable housing. Appendix C shows local community development offices. Appendix D shows county community development agencies.

List of Affordable Developments by County

Federal Income Standards

New Jersey Housing Resource Center

Appendix A Public Housing Authorities and Rental Assistance Agencies

How to Use the Guide

New Jersey Guide to Affordable Housing - Introduction

This Guide lists affordable housing in New Jersey.  Most of the housing is for rent.  A small number are for sale.  All of the developments have income restrictions.  To live in them, household earnings must be below a certain level.

Affordable developments are listed by county.  For each county, the listings appear under the formal, proper name of the municipality where the housing is located.

There are several columns of information to focus on: (1) development / aka; (2) street; (3) type; (4) tenure; (5) agent; (6) phone; and (7) program.

Development / aka is the name of the development; "aka" means the development may be "also known as" another name.

Street is the development's street address.  "Scattered site" means the development has multiple sites.  "Intentional blank" is used for group homes, shelters, and other special-needs housing where the street address is confidential to protect the residents.

Type refers to three kinds of housing.  "Family" units are open to anyone who meets the income requirements.  "Age" refers to age-restricted units, generally 62 years or older.  "Special" housing is for supervised apartments, halfway houses, and group homes for people with developmental disabilities, the mentally ill, or other special needs.

Tenure tells if the dwellings are for sale or rent.  Most are rentals.  A smaller number are for sale.

Agent  is a property owner, manager, agency, or some other contact with information on the requirements to live there.

Phone is the agent's phone number.

Program identifies the housing program(s) that make the development affordable.  These are important.  They set the rules you must meet to live there.

To live in any development referenced the Guide, earnings must be below specified levels or income standards set by the federal government and based on median family income.  Income standards vary by county and household size. 

The U.S. Department of Housing and Urban Development (HUD) publishes these standards yearly.  The current standards for New Jersey counties and those in other states are on HUD's website at:

Most of the affordable housing listed is for people with low and moderate incomes.  Low income is defined as at or below 50 percent of median family income.  Moderate income is over 50 percent, but no more than 80 percent of median family income.

Some are for those with "very low" incomes, at or below 30 percent of median county income.

Federal Programs account for most of the housing in this Guide.  These are listed in table 1.

Federal Housing Programs

Table 1. Federal Housing Programs

 Public Housing

 Low Income Public Housing, U.S. Housing Act of 1937


 Section 8 vouchers

 Tax credits

 Low Income Housing Tax Credits; U.S. Tax Reform Act of 1986

 Other HUD

 Section 8, 202 & 811, Section 221 & 236

 Farm Home

 U.S. Department of Agriculture, Rural Development; Housing & Community Facilities

 State initiatives responsible for affordable housing appear listed in this directory are in table 2. 

Table 2. NJ State Housing Initiatives


 N.J. Housing & Mortgage Finance Agency


 "Mount Laurel" housing & Balanced Housing

Public housing

Public housing is the oldest and biggest affordable housing program.  It is administered by the U.S. Department of Housing and Urban Development (HUD) through grants to state and local agencies.  New Jerey has about 100 of them.  These agencies are listed in appendix A.  Most of them are public housing authorities.  A lot of the information on them is from HUD's website at:

Public housing authorities build and run affordable developments for very-low, low-, and moderate-income households.  Most of the units are for rent; some are for sale.

Housing authorities usually have waiting lists.  Federal rules allow them to give priority to residents who live within the communities they serve.  They also can make exceptions for people in dire need.

Section 8: There are two kinds of Section 8 housing assistance; both are administered by HUD.  Project-based grants are tied to buildings.  A list of these apartments in New Jersey is on HUD's website at: 

Section 8 vouchers go to people, not buildings.  They go with renters when they move.  Housing agencies with Section 8 vouchers are shown in appendix A.  This is a large program.  Don't overlook it.

Tax Credit: This federal program gives tax breaks to developers to encourage them to build income-restricted apartments.  At least 20 percent of these units must be affordable to people at or below 50 percent of median county income.  40 percent must be affordable to those at or below 60 percent.  A list of tax credit apartments is on HUD's website at:

Section 221 & Section 236: These two federal programs no longer exist, but the apartment buildings they funded remain available today.  Their rents are affordable to low- and moderate-income households.

Section 202 & Section 811: These programs provide affordable apartments to elderly and disabled households with low and moderate income.  Section 202 apartments are for elderly residents, 62 years of age or older.  Section 811 units are for people with disabilities.

HOME is the home improvement partnership program.  This federal program provides grants to state and local housing agencies for rental assistance, construction of new dwelling, housing rehabilitation, and first-time homebuyer programs.  Eligibility is limited to households with incomes at or below 60 percent of median county income.

Farm Home refers to federal housing grants administered by the U.S. Department of Agriculture (USDA) to build income-restricted apartments in small towns in rural America.  Rents must be affordabe to those with low and moderate incomes.  A list of these apartments is available on USDA's website at:


HMFA: One of the largest State housing initiatives is the New Jersey Housing & Mortgage Finance Agency (HMFA), which offers many different kinds of housing assistance.  One of the more important HMFA programs supports the construction of affordable apartments with state aid raised from bonds proceeds and revenue generated from the sale of real estate.  Many of these rental developments also get assistance from the tax credit program and other federal housing programs.

HMFA has home-buyer programs, as well as grants and loans for housing rehabilitation.  The agency's resource center has information on these programs:

For more information, call (609) 278-7400 or (800) NJHOUSE.

BH refers to New Jersey’s Balanced Housing program. It supports repairs and renovations of existing housing, as well as the construction and conversions of new units.  Balanced Housing developments can be either for sale or rent, but all must be affordable to low- and moderate-income households. An overview of the program is on the Department of Community Affairs (DCA) website at: 

MtL or “Mount Laurel” refers to many kinds of affordable housing throughout New Jersey.  Some of the developments are federally funded.  Some are built with State subsidy.  Some are "inclusionary" developments built with llittle or no public subsidy.  While the dwellings may be either for sale or rent, all of them are affordable to low-and moderate-income households.

"Mount Laurel" housing is so named after landmark court rulings by the New Jersey Supreme Court involving the Burlington County municipality.  The court ruled every municipality has a constitutional obligation to provide for its fair share of regional housing needs.  The effect of this decision was widespread.  Mount Laurel housing is in every county.  These developments were identified by municipalities as income-restricted housing that meets this constitutional obligation.  This list is on DCA's website:

"Mount Laurel” developments can have units for sale or rent.  All have income restrictions and are affordable to low-and moderate-income households.

Other Sources

Many agencies may be involved with funds from different levels of government. Some affordable housing is publicly owned. Some is built by private business. Other developments are owned and operated by nonprofit and religiously affiliated groups. There is no one single, housing source, and this can make any search difficult.
Here are some leads. It not a complete list, but may lead to other sources. If you find other sources that were especially helpful and want to share them, please send this information to:

Guide to Affordable Housing in New Jersey update
New Jersey Department of Community Affairs
Division of Codes and Standards
101 South Broad St., PO Box 802
Trenton, NJ 08625-0802

Appendix A
shows New Jersey Housing Agencies with Section 8 vouchere that are listed.  This is an important resource that shouldn't be overlooked. 

New Jersey Division of Codes & Standards: The Guide to Affordable Housing in New Jersey is published by the Division of Codes & Standards in the New Jersey Department of Community Affairs. For more information see:
NJ Dept. of Community Affairs; Div. of Codes & Standards; 101 S Broad St., PO Box 802; Trenton, NJ 08625-0802; (609) 292-7898; 

New Jersey Housing Resource Center: The New Jersey Housing & Mortgage Finance Agency (HMFA) has an on-line system to help households find affordable housing. The agency also administers a variety of programs to spread rental opportunities and remove obstacles to home ownership. For more information see: 

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:

Community Action Agencies
Community action agencies are nonprofit organizations often involved in affordable housing production or the provision of supportive social services.

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.

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.

Housing and Community Development Network of New Jersey
This organization represents more than 250 nonprofit and community development corporations that build housing in the State.

Other developers, property managers, advocates
Catholic Charities Diocese of Trenton; 383 W. State St.; Trenton, NJ 08607; (609) 394-5181;
Camden Lutheran Housing Inc.; 800 Galindez Ct., Suite 101; Camden, NJ 08101; (856) 342-8088;

Community Investment Strategies, Inc.; 201 Crosswicks St.; Bordentown, NJ 08505; (609) 298-2229;

Habitat for Humanity-Trenton area; 601 N. Clinton Ave.; Trenton, NJ 08638; (609) 393-8009; For a directory of local affiliates: 

Isles, Inc.; 10 Wood St.; Trenton, NJ 08618; (609) 341-4700

Ingerman Group; 725 Cuthbert Blvd.; Cherry Hill, NJ 08002; (856) 662-1730;

Latino Community Land Trust; 202-4 E. Hanover St.; Trenton, NJ 08608; (609) 695-1401

Lutheran Social Ministries of New Jersey; 6 Terri Lane, Suite 300; Burlington, NJ 08016; (609) 386-7171;

New Community Corporation; 233 W. Market St.; Newark, NJ 07103; (973) 623-2800; 

Pennrose Properties; 1 Brewery Park; 1301 N. 31st St.; Philadelphia, PA 19121; (267) 386-8600

Pennrose Management in Trenton; (609) 394-8152
New Jersey housing developments

Piazza & Associates, Inc.; Princeton Forrestal Village; 216 Rockingham Row; Princeton, NJ 08549; (609) 786-1100; 

Rainbow Property Management LLC; 13 Rockland Terrace, Suite 300; Verona, NJ 07044; (973) 857-0800

Rent to Own - This website provides a free list of rent to own properties in New Jersey and other areas.

Rent to Own Labs

Central Jersey Housing, Resource Center; 600 1st Ave.; Raritan, NJ 08869; (908) 704-8901;

Volunteers of AmericaFind Affordable Housing; (800) 899-0089;

Monmouth County - Affordable Housing Alliance; 59 Broad St.; Eatontown, NJ  07224;

Housing for the developmentally disabled

NJ Department of Human Services
Division of Developmental Disabilities
222 S. Warren St.
Trenton, NJ
(see NJ Community Services Office)

Devereux New Jersey Treatment Network
286 Mantua Grove Rd.; Bldg 4
West Deptford, NJ 08066
(856) 599-6400 

New Jersey Association for Retarded Citizens (ARC)
985 Livingston Ave.
North Brunswick, NJ 08902
(732) 246-2525

SERV Behavioral Health Systems Inc.
20 Scotch Rd.
Ewing, NJ 08628
(609) 406-0100

Housing for former inmates

New Jersey Department of Corrections
Whittlesey Rd., PO Box 863
Trenton, NJ 08625-0863
(see the Office of Transitional Services)

American Friends Service Committee
Prisoners Resource Center
972 Broad St. 6th Floor
Newark, NJ 07102
(609) 643-2205 

New Jersey Association of Corrections
986 S Broad St.
Trenton, NJ 08611
(609) 396-8900