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What you need to know to apply for affordable housing in New Jersey

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What you need to know to apply for affordable housing in New Jersey



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  • In Bergen, Hudson, Passaic and Sussex counties, a family of four would earn up to $96,329 to qualify for moderate-income housing and $60,206 to qualify for low-income housing.
  • New Jersey changed the law to requre a central location for all affordable housing to be advertised.

More than 4,000 people recently applied for a Cherry Hill development with 28 affordable units.

In East Hanover in Morris County last year, there were about 9,500 applicants for 45 units.

A building that opened last year in Teaneck with 40 affordable units for people age 62 and older had more than 700 applicants.

“It is very competitive,” said Joshua Bauers, the director of exclusionary zoning litigation for the nonprofit Fair Share Housing Center. “It is just emblematic of the housing shortage we are all existing in.”

The search for affordable housing can be complicated and arduous, and the odds of getting awarded an apartment are long. But advocates say reforms to the system in recent years have made the process more accessible, and they hope other planned changes will make it easier for applicants.

To qualify for affordable housing in New Jersey, applicants must earn at or below 80% of the median family income for the county where the housing is, under the state’s Uniform Housing Affordability Controls.

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Units are available to people at various income levels, for those earning 30%, 50% or 80% of the median income.

In Bergen, Hudson, Passaic and Sussex counties, a family of four would earn up to $96,329 to qualify for moderate-income housing, $60,206 to qualify for low-income housing and $36,124 to qualify for very low-income housing.  

Story continues below photo gallery.

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In December, because of the state’s new affordable housing law, the New Jersey Housing and Mortgage Finance Agency, or HMFA, adopted interim amendments to the Uniform Housing Affordability Controls.

Under the law, all units are required to be “affirmatively marketed.”

But under the old rules, which hadn’t been updated in 20 years, the specified marketing still included television and radio with no mention of the internet or social media.  

“That’s one of the big updates you’ll see,” Bauers said. “That was probably one of the most outdated aspects of the old rules.”

Other recent changes have also eased the process for potential applicants.

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Soon after the start of the pandemic, the state changed the law to require a central location for all affordable housing to be advertised. Now all units are listed on the New Jersey Housing Resource Center’s website at nj.gov/njhrc, which previously was used to advertise only affordable housing units financed by the HMFA.

“Everything funnels to there — the idea is it should be really easy to figure out what housing is available,” Bauers said. “Before, you could go on five different websites operated by administrative agents to do the applications and figure out what’s available. Now it’s all in one place.”

That new requirement is included in the updated rules, he said.

Under the Fair Chance in Housing Act, which went into effect in 2022, a landlord cannot consider an applicant’s criminal history on an initial housing application, in an interview or in other ways before making an offer.

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In the years since Mount Laurel, a cottage industry of businesses that act as administrative agents for affordable housing has sprung up. Those companies, including Piazza & Associates in Princeton, Community Grants, Planning and Housing and the nonprofit Housing Partnership of Morris County, all have slightly different procedures for applying.

People in need of affordable housing will fill out an application or pre-application, and then the administrative agent runs a lottery to establish the order of who gets the housing.

After the lottery, people start to get matched up with units. Sometimes landlords or property owners have their own application process tenants must go through.

The Fair Share Housing Center is hoping to make the application as uniform as possible, so people won’t have to fill out so many forms. It is also pushing for a window of eligibility in which people won’t have to repeatedly supply documents proving they are eligible for affordable housing or government benefits, like food stamps.

Currently, applicants must fill out separate applications for each unit, and repeatedly provide documentation that they meet the income requirements. Because each application carries a fee, the process of applying can become unaffordable for those seeking housing, Bauers said.

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“The housing shortage is a tremendous part of the problem — one we are trying to solve through building more affordable housing,” he said. “But we are hopeful these updates will alleviate some of these access problems.”

Another change affordable housing advocates are pushing for is clear requirements for unit sizes, access to amenities and other features. They are seeking regulations requiring developers to build one-, two- and three-bedroom affordable units, with specific minimum unit and bedroom sizes, so housing is available and suitable for families.  

“People looking for affordable units sometimes end up on yearslong wait lists before they finally get access to housing,” Bauers said. “We are really happy with what the HMFA is doing with the new rules. This will make it easier for people who need housing to access it.”



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New Jersey

Older NJ residents consider leaving as costs rise, survey shows

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Older NJ residents consider leaving as costs rise, survey shows


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New survey data released May 13 suggests affordability pressures are increasingly shaping whether older New Jersey residents stay or leave the state.

More than one-third of residents age 45 and older – 35% – said they have considered leaving New Jersey in the past year, according to a new AARP New Jersey “Vital Voices” survey. Among those weighing a move, 67% said the high cost of living is a primary reason.

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The findings come as state lawmakers continue discussions centered on property taxes, utility costs and policies aimed at helping residents age in place.

“New Jersey should be a place where people can afford to grow older, not a place they feel forced to leave,” Chris Widelo, state director of AARP New Jersey, said in a statement. “Right now, rising costs are pushing people out.”

NJ property taxes, utilities driving concern

Affordability pressures extend across multiple key household costs.

Property taxes remain a central concern, with 53% of respondents citing them as a factor in considering leaving the state. The survey also found strong support for the Stay NJ program, which provides eligible homeowners with up to $6,500 in annual property tax relief.

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Nearly two-thirds of respondents (65%) said they support keeping the program intact, including maintaining the full benefit.

Rising utility costs are also a growing concern. About 89% of respondents said they are worried about increasing electricity bills, including a majority who said they are “very concerned.”

Support for caregiving relief, transparency

The survey highlights financial and logistical pressures facing caregivers, as more residents provide unpaid care for aging relatives.

More than half – 54% – of adults age 45 and older said they have served as unpaid caregivers. A majority said caregiving costs are a financial concern, and 86% expressed support for a caregiver tax credit.

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Respondents also backed greater oversight of long-term care facilities. Strong majorities said they support requirements for nursing homes to disclose ownership, staffing levels and financial arrangements, along with greater transparency in how Medicaid funding is spent.

What it means for NJ budget talks

The findings underscore a broader policy debate in Trenton over how to address affordability challenges while maintaining services.

AARP New Jersey is urging state leaders to prioritize policies that reduce financial strain on older adults, including property tax relief, utility affordability and support for caregivers.

“This survey sends a clear message,” Widelo said. “If New Jersey wants to remain a place where people can age with dignity, we must focus on making it more affordable to stay.”

This story was created by reporter Joe Martino, jmartino@usatodayco.com, with the assistance of Artificial Intelligence (AI). Journalists were involved in every step of the information gathering, review, editing and publishing process. Learn more.

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24-year-old elected mayor of NJ town as incumbent faced backlash in wake of massive warehouse fire

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24-year-old elected mayor of NJ town as incumbent faced backlash in wake of massive warehouse fire


BELLEVILLE, New Jersey (WABC) — Frank Vélez, a 24-year-old town councilman, was elected as the new mayor of Belleville, New Jersey, on Tuesday.

Vélez may be young, but he has years of experience after he became involved in politics at 19 because his sister has special needs.

He has served on the school board in Belleville and the town council, and he was on the staff of former congressman Bill Pascrell.

Vélez said his win is a testament to hard work.

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“We ran on getting back to the basics, the quality of life. Talking about responsible development and just talking about getting back to the priorities of working people,” Vélez said.

Incumbent Michael Melham faced backlash for his handling of a massive warehouse fire that shut down schools for more than a week.

There has been growing pessimism in town, highlighted by the massive 14-alarm warehouse fire this month that caused residents to evacuate and schools to shut down for days.

Parents and educators wrote a joint letter critical of Melham and school leadership for failing to communicate with parents during the emergency.

“In the hours and days following the fire, our community was left navigating uncertainty with little or no official instruction, resorting to group chats and scavenging social media for guidance or information, both of which should have been provided by the government that we entrust for such tasks,” the letter read in part.

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Vélez said he’s ready to get to work.

“I feel grateful. I am humbled, and I’m just- just so ready to get to work as the next mayor of Belleville. And I’m so grateful to everyone for support. This was a resounding victory,” Vélez said.

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NYC to MetLife round-trip bus fares for World Cup ticket holders slashed by 75%: report

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NYC to MetLife round-trip bus fares for World Cup ticket holders slashed by 75%: report


Round-trip bus fares for fans attending the 2026 FIFA World Cup have been cut by 75% as officials scrambled to secure backup transportation between the Big Apple and New Jersey, a new report said.

The New York/New Jersey host committee slashed fares from $80 to $20 for ticket holders traveling from three Manhattan locations to MetLife Stadium in East Rutherford, NJ — and boosted capacity from 10,000 to 18,000 seats by adding yellow school buses for the eight World Cup games, The Athletic reported.

Buses will shuttle up to 18,000 people on non-school matchdays, and about 12,000 on school-day games between June 13 and July 19. 

The New York/New Jersey host committee slashed fares from $80 to $20 for ticket holders traveling from three Manhattan locations to MetLife Stadium. Christopher Sadowski for NY Post

The steep price cut comes after New York Gov. Kathy Hochul pumped $6 million into hacking down fares – with the investment setting aside about 20% of bus tickets for state residents who have purchased match tickets, the outlet reported.

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Sources familiar with ticket sales told the Athletic that about 25% to 30% of tri-state area residents have already scooped up admissions for games at MetLife Stadium.

Alongside the major investment, Highland Fleets, which manages electric school bus fleets, worked with the New York City School Bus Umbrella Services – after contacting Hochul, the committee, and NYC Mayor Zohran Mamdani – to secure additional buses, with about 300 hitting the road on peak matchdays.

The transit rides will leave from the Port Authority Bus Terminal, a Midtown east location east of Grand Central Terminal, and a Midtown North location west of Central Park, the outlet reported.

Highland Fleets chief operating officer Ben Schutzman said the goal was to create “affordable and accessible” bus services during the World Cup, while a Mamdani spokesperson praised the mayor’s support for discounted rides for ticketholders.

Capacity was boosted from 10,000 to 18,000 seats by adding yellow school buses for the eight World Cup games. Christopher Sadowski
The steep price cut comes after New York Gov. Kathy Hochul pumped $6 million into hacking down fares. Anadolu via Getty Images

“Mayor Mamdani supports any effort that makes transportation more affordable for New Yorkers – including reduced-cost buses for World Cup ticketholders,” the mayor’s rep told the outlet.

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“We look forward to rolling out additional free and affordable events to ensure that all New Yorkers can enjoy the World Cup.”

The price-slashing effort comes days after New Jersey Transit trimmed its widely slammed World Cup fare hike by 30% after securing funding from “sponsors and other sources.”

The eight games being played at the Garden State stadium are set for June 13, June 16, June 22, June 25, June 27, June 30, July 5, and July 19.  Christopher Sadowski for NY Post

The new price will be set at $105 for a round-trip ticket from Manhattan to MetLife after fares were bumped more than 1,000% from the standard $12.90 ticket to a whopping $150.

The eight games being played at the Garden State stadium are set for June 13, June 16, June 22, June 25, June 27, June 30, July 5, and July 19. 

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