Renting · Section 8
Data from November 2026
Renting in Delaware County, Indiana
Delaware County has a HUD fair market rent of $1,145 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $906 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $22.02 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,145
- a month, HUD, Fiscal year 2027
- 12% less than in Indiana
- Typical rent
- $906
- a month, Census, Average 2020–2024
- 15% less than in Indiana
- Wage needed
- $22.02
- an hour, 2 bedrooms
- Or $45,800 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 50%
- spend 30% or more of income on rent
- 5% more than in Indiana
Only here
Renting in Delaware County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Among the neighboring counties, Blackford County has the lowest typical rent ($699), 23% below the $906 in Delaware County.
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Delaware County has the 6th lowest homeownership rate of the 92 counties in Indiana (66%).
Sources: U.S. Census Bureau (Average 2020–2024).
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Delaware County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
According to Zillow (ZORI), the typical asking rent in Delaware County was $1,043 a month in September 2026: 5.6% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $899 | $17.29 | $35,960 |
| 1 bedroom | $913 | $17.56 | $36,520 |
| 2 bedrooms | $1,145 | $22.02 | $45,800 |
| 3 bedrooms | $1,438 | $27.65 | $57,520 |
| 4 bedrooms | $1,890 | $36.35 | $75,600 |
HUD area: Muncie, IN MSA. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 20 ZIP codes in Delaware County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,010 in 47305 to $1,250 in 47304. 5 ZIP codes are above the county's fair market rent ($1,145).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 47302 | Henry County, IN | $870 | $880 | $1,110 | $1,390 | $1,830 |
|---|---|---|---|---|---|---|
| 47302 | Muncie, IN | $870 | $880 | $1,110 | $1,390 | $1,830 |
| 47303 | Muncie, IN | $920 | $930 | $1,170 | $1,470 | $1,930 |
| 47304 | Muncie, IN | $980 | $1,000 | $1,250 | $1,570 | $2,060 |
| 47305 | Muncie, IN | $800 | $810 | $1,010 | $1,280 | $1,680 |
| 47306 | Muncie, IN | $960 | $980 | $1,220 | $1,540 | $2,010 |
| 47320 | Jay County, IN | $850 | $910 | $1,120 | $1,430 | $1,700 |
| 47320 | Muncie, IN | $850 | $910 | $1,120 | $1,430 | $1,700 |
| 47320 | Randolph County, IN | $850 | $910 | $1,120 | $1,430 | $1,700 |
| 47334 | Henry County, IN | $840 | $850 | $1,070 | $1,340 | $1,760 |
| 47334 | Muncie, IN | $840 | $850 | $1,070 | $1,340 | $1,760 |
| 47338 | Blackford County, IN | $800 | $810 | $1,010 | $1,290 | $1,680 |
| 47338 | Muncie, IN | $800 | $810 | $1,010 | $1,290 | $1,680 |
| 47342 | Anderson, IN | $810 | $830 | $1,090 | $1,440 | $1,680 |
| 47342 | Grant County, IN | $810 | $830 | $1,090 | $1,440 | $1,680 |
| 47342 | Muncie, IN | $810 | $830 | $1,090 | $1,440 | $1,680 |
| 47367 | Muncie, IN | $870 | $880 | $1,110 | $1,390 | $1,830 |
| 47383 | Muncie, IN | $930 | $950 | $1,190 | $1,490 | $1,960 |
| 47383 | Randolph County, IN | $930 | $950 | $1,190 | $1,490 | $1,960 |
| 47396 | Muncie, IN | $890 | $900 | $1,130 | $1,420 | $1,870 |
- 47302 · Henry County, IN $1,110$1,390
- 47302 · Muncie, IN $1,110$1,390
- 47303 · Muncie, IN $1,170$1,470
- 47304 · Muncie, IN $1,250$1,570
- 47305 · Muncie, IN $1,010$1,280
- 47306 · Muncie, IN $1,220$1,540
- 47320 · Jay County, IN $1,120$1,430
- 47320 · Muncie, IN $1,120$1,430
- 47320 · Randolph County, IN $1,120$1,430
- 47334 · Henry County, IN $1,070$1,340
- 47334 · Muncie, IN $1,070$1,340
- 47338 · Blackford County, IN $1,010$1,290
- 47338 · Muncie, IN $1,010$1,290
- 47342 · Anderson, IN $1,090$1,440
- 47342 · Grant County, IN $1,090$1,440
- 47342 · Muncie, IN $1,090$1,440
- 47367 · Muncie, IN $1,110$1,390
- 47383 · Muncie, IN $1,190$1,490
- 47383 · Randolph County, IN $1,190$1,490
- 47396 · Muncie, IN $1,130$1,420
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Delaware County, 50% of renter households are in that position; in Indiana, 48%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
50%
of renter households spend 30% or more of their income on rent.
15,505 households rent in Delaware County
- Spend half or more of their income 31%
- Spend 30% or more, but less than half 20%
- Spend less than 30% 50%
Compared with the state and the country
- Delaware 50%
- Indiana 48%
- United States 51%
Low-income apartments
Low-income apartments in Delaware County
HUD lists 32 properties with homes for low-income households in Delaware County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 15
- HUD-assisted
- 10
- public housing
- 8
1,865 homes in all; 1,628 of them low-income, according to HUD.
- Middletown Gardens Public housing 3002 E Tanner Dr, Muncie 47302 162 low-income homes · Run by Delaware County Housing Authority · Average payment: $350 a month · Average wait: 4 months · (765) 284-3801
- Cambridge Square Muncie HUD-assisted 1601 E McGalliard Rd, Muncie 47303 124 low-income homes · For older adults · (765) 747-8130
- Elgin Manor Apts Tax credit (LIHTC) · HUD-assisted 2573 N Elgin St, Muncie 47303 120 low-income homes · For families · (765) 286-1622
- Silver Birch of Muncie Tax credit (LIHTC) 2500 W Kilgore Ave, Muncie 47304 119 low-income homes · Studio: 53 · 1 bd: 66 · In service since 2018
- Carriage House Muncie HUD-assisted 3969 N Everett Rd, Muncie 47304 100 low-income homes · For families · (765) 747-0912
- R.a.greene Southern Pines Public housing 4314 S Pinewood Dr, Muncie 47302 100 low-income homes · Run by Housing Authority of the City of Muncie · Average payment: $345 a month · Average wait: 18 months · (765) 288-9242
- Earthstone Terrace Public housing 3300 S Juniper Ln, Muncie 47302 99 low-income homes · Run by Housing Authority of the City of Muncie · Average payment: $322 a month · Average wait: 18 months · (765) 288-9242
- Gillespie Tower Public housing 701 W Jackson St, Muncie 47305 98 low-income homes · Run by Housing Authority of the City of Muncie · Average payment: $325 a month · Average wait: 9 months · (765) 288-9242
- Lofts at Roberts Tax credit (LIHTC) 420 S High St, Muncie 47305 83 low-income homes · 1 bd: 56 · 2 bd: 27 · In service since 2014 · For older adults
- Salem Place Apartments (daleville Apartments) Tax credit (LIHTC) W 6th Street Between Synder and Edwards, Daleville 47334 64 low-income homes · 1 bd: 20 · 2 bd: 24 · 3 bd: 20 · In service since 2017 · For families
- Ashgrove Crossing HUD-assisted 4001 N Walnut St, Muncie 47303 60 homes, 59 low-income · For older adults · (765) 287-9424
- Millennium Place II Tax credit (LIHTC) 451 E 2nd St, Muncie 47302 55 low-income homes · 1 bd: 4 · 2 bd: 28 · 3 bd: 17 · 4 bd: 6 · In service since 2005
- Walnut Commons Tax credit (LIHTC) 501 N Mulberry St, Muncie 47305 44 low-income homes · Studio: 13 · 1 bd: 31 · In service since 2015
- Millennium Place IV Tax credit (LIHTC) 451 E 2nd St, Muncie 47302 40 low-income homes · 1 bd: 2 · 2 bd: 22 · 3 bd: 11 · 4 bd: 5 · In service since 2007
- Daley Apts Tax credit (LIHTC) 1312 Bunch Blvd, Muncie 47303 37 low-income homes · 1 bd: 7 · 2 bd: 18 · 3 bd: 12 · In service since 2001
- Pilgrim Place Senior Housing Tax credit (LIHTC) 1700 S Pilgrim Blvd, Yorktown 47396 36 low-income homes · 1 bd: 18 · 2 bd: 18 · In service since 2001 · For older adults
- Historic Muncie Apts Tax credit (LIHTC) 451 E 2nd St, Muncie 47302 35 low-income homes · Studio: 1 · 1 bd: 21 · 2 bd: 3 · 3 bd: 9 · 4 bd: 1 · In service since 2009 · For people with disabilities, families
- Millennium Place III Tax credit (LIHTC) 451 E 2nd St, Muncie 47302 35 low-income homes · 1 bd: 6 · 2 bd: 16 · 3 bd: 9 · 4 bd: 4 · In service since 2006
- Howard Square Tax credit (LIHTC) 550 S Jefferson St, Muncie 47305 30 low-income homes · 1 bd: 15 · 2 bd: 15 · In service since 2005 · For older adults, people with disabilities
- Millennium Place I Tax credit (LIHTC) 451 E 2nd St, Muncie 47302 30 low-income homes · 1 bd: 6 · 2 bd: 14 · 3 bd: 5 · 4 bd: 5 · In service since 2003
- Calvary Plaza HUD-assisted 200 E 26th St, Muncie 47302 24 low-income homes · For people with disabilities · (765) 288-7389
- Gillbeke Apartments HUD-assisted 2621 N Elgin St, Muncie 47303 20 low-income homes · For people with disabilities · (765) 282-7543
- Goodall Apartments HUD-assisted 1900 W 8th St, Muncie 47302 20 low-income homes · For people with disabilities · (765) 288-1928
- Millennium Place II Public housing 809 S Madison St, Muncie 47302 55 homes, 18 low-income · Run by Housing Authority of the City of Muncie · Average payment: $493 a month · (765) 288-9242
- Grandview Square Cooperative HUD-assisted 8101- 8115 Grandview Drive, Yorktown 47396 86 homes, 17 low-income · For families · (765) 759-9565
- Millennium Place IV Public housing 915 S Vine St, Muncie 47302 40 homes, 17 low-income · Run by Housing Authority of the City of Muncie · Average payment: $397 a month · Average wait: 2 months · (765) 288-9242
- Millennium Place III Public housing 900 S Jefferson St, Muncie 47302 35 homes, 17 low-income · Run by Housing Authority of the City of Muncie · Average payment: $350 a month · Average wait: 1 month · (765) 288-9242
- Millennium Place I Public housing 810 S Monroe St, Muncie 47302 30 homes, 10 low-income · Run by Housing Authority of the City of Muncie · (765) 288-9242
- Hillcroft Muncie HUD-assisted 1803 N Elm St, Muncie 47303 8 low-income homes · For people with disabilities · (574) 773-2910
- KTS Place HUD-assisted 2662 N Elm St, Muncie 47303 7 low-income homes · For people with disabilities
- Jackson & Vine Apts Tax credit (LIHTC) 900 E Washington St, Muncie 47305 35 homes
- Parkview Homes Tax credit (LIHTC) 1705 N Macedonia Ave, Muncie 47303 34 homes
One property has two programs at the same address and appears once. Search HUD's map
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in Delaware County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 2 agencies serve in Delaware County. Here is what the rules say:
The rules, with their source
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You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
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Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
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Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
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If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
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When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
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Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $17,850 | $29,700 | $47,500 |
| 2 people | $21,640 | $33,950 | $54,300 |
| 3 people | $27,320 | $38,200 | $61,100 |
| 4 people | $33,000 | $42,400 | $67,850 |
| 5 people | $38,680 | $45,800 | $73,300 |
| 6 people | $44,360 | $49,200 | $78,750 |
| 7 people | $50,040 | $52,600 | $84,150 |
| 8 people | $55,720 | $56,000 | $89,600 |
Area median income: $79,600. HUD income limits by family size, Fiscal year 2026. Area: Muncie, IN MSA. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $809 – $989
- 1 bedroom $822 – $1,004
- 2 bedrooms $1,031 – $1,260
- 3 bedrooms $1,294 – $1,582
- 4 bedrooms $1,701 – $2,079
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
- Housing Authority of the City of Muncie Public housing and Section 8 vouchers · 943 vouchers · 457 public housing units (765) 288-9242 Housing Authority of the City of Muncie: cbrown@muncieha.com
- Delaware County Housing Authority Public housing and Section 8 vouchers · 260 vouchers · 162 public housing units (765) 284-3801 Delaware County Housing Authority: nome@delcoha.com
Housing agencies in Indiana Source: HUD, Retrieved November 6, 2026
Your rights as a tenant in Indiana
What Indiana law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- When must they return my deposit?
- 45 days
- Ind. Code §32-31-3-12(a)
- If I fall behind on rent, what notice must I get?
- 10 days
- Ind. Code §32-31-1-6
- How much notice before a rent increase?
- 30 days
- Ind. Code §32-31-5-4
- Only a court order can remove youInd. Code §32-31-5-6(c)
- Protection from retaliationInd. Code §32-31-8.5-5
Help
Where to get help with rent in Delaware County
This HUD-approved agency has an office in Delaware County. They counsel for free or at low cost.
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Pathstone Corporation - Indiana
420 S High St Ste 101, Muncie · Spanish
- Budget and financial counseling
- Budget and credit workshops
- and 5 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Delaware County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in Indiana, the average home bill was $133 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$2,290
What you need before you get the keys.
What adds up
- First month
- $1,145
- Security deposit
- $1,145
- Total
- $2,290
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in Delaware County?
According to HUD (Fiscal year 2027): Studio: $899; 1 bedroom: $913; 2 bedrooms: $1,145; 3 bedrooms: $1,438; 4 bedrooms: $1,890. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Delaware County?
Paying the 2-bedroom fair market rent ($1,145) without spending more than 30% of income takes $22.02 an hour full time, or $45,800 a year.
Who qualifies for Section 8 in Delaware County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $42,400 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in Delaware County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $1,031 and $1,260 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Delaware County?
For 2 bedrooms they run from $1,010 in 47305 to $1,250 in 47304. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in Delaware County?
HUD lists 32 properties with homes for low-income households in Delaware County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in Delaware County?
HUD counts rent as a burden when it reaches 30% of income or more. In Delaware County, 50% of renter households are in that position; in Indiana, 48%, and nationwide, 51% (Average 2020–2024, Census).