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Affordable apartments in Waterloo, New York

4 income-restricted buildings tracked here, drawn from HUD's LIHTC, Section 8, Section 202, and Section 811 datasets. Map, eligibility tiers, and Fair Market Rent below.

1 section 81 section 2022 lihtc

Buildings

EAST MAIN ST. APTS.

Section 8
371 E Main Street, Waterloo, NY, 13165
Income-restricted units
40 of 40
Year placed in service
Not reported

Estimated total housing cost: $868 rent + $159 utilities = $1,027/mo

Contact property management for current availability. Waitlists may apply.

EAST MAIN ST. APTS.

Section 202
371 E Main Street, Waterloo, NY, 13165
Income-restricted units
40 of 40
Year placed in service
Not reported

Estimated total housing cost: $868 rent + $159 utilities = $1,027/mo

Contact property management for current availability. Waitlists may apply.

ELIZABETH CROSSINGS

LIHTC
41 CHURCH ST, WATERLOO, NY, 13165
Income-restricted units
40 of 41
Year placed in service
2007
Bedroom mix
4 1BR · 20 2BR · 16 3BR

Estimated total housing cost: $868 rent + $159 utilities = $1,027/mo

Contact property management for current availability. Waitlists may apply.

WATERLOO HEIGHTS

LIHTC
30 W MAIN ST, WATERLOO, NY, 13165
Income-restricted units
24 of 24
Year placed in service
2010
Bedroom mix
24 1BR

Estimated total housing cost: $868 rent + $159 utilities = $1,027/mo

Contact property management for current availability. Waitlists may apply.

Map

Each pin is one income-restricted building. Color-coded by program. Click a pin for details.

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Energy costs in New York

Residential electricity in New York runs about 26.97¢/kWh, with a typical monthly residential electric bill near $159. Natural gas runs about $21.39/Mcf. Add this to rent when you compare buildings; it can shift total monthly housing cost by 10–20%.

Source: U.S. Energy Information Administration, retail-sales (electricity) and natural gas residential pricing series, 12-month rolling average.

Check your affordability tier

Enter your annual household income, household size, and zip code. We’ll show which HUD AMI tier you qualify for and what Fair Market Rent looks like in your area.

Fair Market Rent for Waterloo, NY

Metro-level
BedroomsLocal FMRNational median
Studio$738n/a
1 bedroom$825n/a
2 bedroom$868$1,502
3 bedroom$1,128n/a
4 bedroom$1,302n/a

Fair Market Rent is HUD’s annual benchmark for the cost of rental housing in a given area. Source label: median_rent_proxy.

HUD income limits : Seneca County, NY

FY2025. Area median income: $93,900.

Household size30% AMI50% AMI80% AMI
1 person$19,750$32,900$52,600
2 people$22,550$37,600$60,100
3 people$26,650$42,300$67,600
4 people$32,150$46,950$75,100
5 people$37,650$50,750$81,150
6 people$43,150$54,500$87,150
7 people$48,650$58,250$93,150
8 people$54,150$62,000$99,150

HUD calculates income limits per household size relative to the area’s median family income. Properties may serve renters in any combination of these tiers; eligibility is determined per program.

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About this listing. Buildings shown serve income-restricted households across HUD program tiers. We do not show vacancy or pricing for individual units. Always contact the property directly for current availability; many income-restricted buildings maintain waitlists measured in months or years.

See also: Waterloo cost-of-living and Fair Market Rent overview