Guide to Affordable housing in New Jersey

Other Sources

List of Affordable Developments by County

Federal Income Standards

New Jersey Housing Resource Center

Appendix A - Public Housing Authorities and Rental Assistance Agencies

pdf / xls

(updated March 16, 2022)

Introduction - How to Use the Guide

This 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 Restrictions

All 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.

Housing Programs


Public housing


Public housing is owned and operated by local public housing authorities (PHAs) with grants from the U.S. Department of Housing and Urban Development (HUD). The federal program began in 1937. It is the oldest and largest source of income-restricted housing in the country.

Section 8

Section 221

Section 236

Section 202 & 811

HUD administers other federal grants named for various sections of national housing acts. Section 8 grants provide rent subsidies to affordable housing owners and operators. Section 8 vouchers go to households and moves with them. The Section 221 and 236 programs are mortgage subsidies to owners of multifamily apartments. The 202 and 811 programs fund income-restricted apartments for the elderly and disabled.

Tax Credit

The low-income tax credit program uses federal income tax incentives to finance affordable rental housing.


The U.S. Department of Agriculture (USDA) provides federal subsidies to build and operate income-restricted apartments in rural areas.


New Jersey Housing and Mortgage Finance Agency (HMFA) has different affordable housing programs for homebuyers and renters. HMFA uses proceeds from bond sales and federal tax credits to fund affordable rental housing. 


Mount Laurel housing refers to income-restricted housing in every New Jersey County. The dwellings can be for sale or rent. All of them have income restrictions. The name for this type of housing is from landmark court decisions that said fair housing is a constitutional obligation for every New Jersey municipality.

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.


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.  


The U.S. Department of Agriculture (USDA) administers federal grants for income-restricted housing in rural areas.    


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.


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 Resources

Affordable 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
Division of Codes and Standards
101 South Broad St., PO Box 802
Trenton, NJ 08625-0802

            Attention: Webmaster for Codes & Standards
            Re: Guide to Affordable Housing

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

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:  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:

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:

Private and Nonprofit Developers

AAH Management
1103 Laurel Oak Rd, Suite 105
PO Box 386
Voorhees, NJ 08043
(856) 546-5533

Alpert Group
1 Parker Plaza
Fort Lee, NJ 07024
(201) 886-7800

Altman Group
240 New York Dr, Suite 1
Fort Washington, PA 19034
(215) 884-0500

Applied Housing
333 River St
Hoboken, NJ 07030
(201) 216-1721

Columbus Property Management
2042-48 Arch St, Suite 2
Philadelphia, PA 19103
(215) 557-8484

Community Grants, Planning, and Housing (CGP&H)
1249 South River Rd, Suite 301
Cranbury, NJ 08512
(609) 664-2769

Community Investment Strategies / CIS
1970 Brunswick Ave, Suite 100
Lawrenceville, NJ 08648
(609) 298-2229

Conifer Realty LLC
20000 Horizon Way, Suite 180
Mount Laurel, NJ 08054
(856) 793-2078

Coughlin Management Company
PO Box 266
Adelphia, NJ 07710
(732) 489-3289

ETC Companies
275 N Franklin Turnpike
Ramsey, NJ 07446
(201) 825-8255

Fair Share Housing Center
1 Ethel Lawrence Blvd
Mount Laurel, NJ 08054

Foundation Housing
11810 Grand Park Av, Suite 600
Bethesda, MD 20852

Gershen Group / Moderate Income Management
29 Emmons Dr, Ssuite C-10
Princeton, NJ 08540
(609) 989-8500

Habitat for Humanity

Ingerman Properties
5 Powell Ln
Collingswood, NJ 08108
(856) 662-1730

Jewish Community Housing Corporation
760 Northfield Av
West Orange, NJ 07052
(973) 731-2020

Lincoln Av Capital
680 5th Av, 17 floor
New York, NY 10019
(646) 585-5525

Loose Leaf Homes LLC
(973) 590-7956

Low-Income Housing Investment Group
1 Portland Sq, Suite 6A
Portland, ME 04101
(207) 772-8244

Lutheran Social Ministries of NJ
3 Manhattan Dr
Burlington, NJ 08016
(609) 386-7171

Marzulli Real Estate
264 Belleville Av
Bloomfield NJ 07003
(973) 748-2300

McCormack Baron Salazar
720 Olive St, Suite 2500
St Louis, MO 63101

Moorestown Ecumenical Neighborhood Development
92 E 2nd St
Moorestown, NJ 08057

Michaels Organization / Interstate Realty Management
PO Box 90708
Camden, NJ 08101
(856) 596-0500 

National Church Residences
2335 N Bank Dr
Columbus, OH 43220
(800) 388-2151

Neighborhood Housing Services of NYC, Inc.
306 W 37th Street, Suite 1101
New York, NY 10018
(212) 519-2500

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

Piazza & Associaties
Princeton Forrestal Village
216 Rockingham Row
Princeton, NJ 08540
(609) 786-1100

PRD Management / Planners, Researchers, and Developers
597 Haddon Av
Collingswood, NJ 08108
(856) 665-8015

Regan Development Corp
1055 Saw Mill River Rd
Ardsley, NY 10502
(914) 693-6613

Region 9 (UAW) Housing Corp
88 Huntington St
New Brunswick, NJ 08901
(732) 640-2088

Reliant Realty Services
99 Wilson Av
Staten Island, NY 10306
(718) 384-2846

Roizman Development Corp
832 Germantown Pike, Suite 5
Plymouth Meeting, PA 19462
(website unavailable)
Rose Community Mgt
6000 Freedom Sq, Suite 500
Independence, OH 44131
(216) 393-8000

RPM Development
77 Park St
Montclair, NJ 07042
(973) 744-5410

Salem Mgt Company
2020 Morris Av
Union, NJ 07083
(908) 687-6550

Senior Solutions for the Jersey Shore
(732) 456-0974

Silver St Development Corp
33 Silver St, Suite 200
Portland, ME 04101
(207) 780-9800

Silver Tree Residential
795 Ridge Lake Blvd, Suite 300
Memphis, TN 38120
(901) 748-5490

1301 West Forest Grove Rd, Bldg 3
Vineland, NJ 08360
(856) 690-9590

Walters Group
500 Barnegat Blvd, Bldg 100
Barnegat, NJ 08005
(609) 698-1352


Harkes Realty & Associates
1901 N Olden Ave, Suite 21
Ewing, NJ 08618
(609) 337-4200 

Special-Needs Housing

NJ Department of Human Services
Division of Developmental Disabilities
222 S. Warren St, PO Box 700
Trenton, NJ 08625-0700
NJDHS - DDD, Community Services Offices

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

EROS Services LLC
2040 Millburn Av, suite 404
Maplewood, NJ 07047
(908) 838-9199

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
NJDOC - 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