Affordable Housing

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Final Housing assistance options


Through partnerships with private landlords and developers, the city continues to create affordable housing opportunities for low and moderate-income households. 

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Based on your earnings and the number of people in your household, do you qualify for affordable housing? Using the gross income on the last pay stub of the year or on your prior year's tax return for all household members can act as a loose guide.

1 Person $69,344
2 Person $79,251
3 Person $89,157
4 Person $99,063
5 Person $106,988
6 Person $114,913
7 Person $122,838
8+ Person $130,763
*Full Income Limit Chart for Region 2  

The following chart can help you determine if you qualify based on your income and household size. Still not sure? Please use the sign-up sheet below to pre-qualify and enter the random selection pool or call us at (908) 280-1455 or email

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Sign up for Summit's affordable housing random selection list

Please complete the pre-application information below to begin the process

Rehabilitation Assistance Available to Summit Homeowners

Housing Rehab

Income-eligible owners of homes in Summit may be eligible for up to $25,000 in assistance to make improvements to their homes. Eligible repairs include the repair or replacement of heating, electrical, and plumbing systems, structural repairs, repairs to correct code violations, lead-based paint remediation, and stabilization measures. Energy-saving measures such as insulation, new windows, and storm door are also eligible. Funding from the Union County Home Improvement Program is provided as a zero-percent interest, deferred loan. No payments are due until the property is sold or the title is transferred. Homeowners aged 60 or older are eligible for up to $5,000 as a direct grant with no repayment at sale or title transfer. The home must be owner-occupied and be your primary residence to qualify. If your gross household income is less than the limit below for your household size, you may be eligible:


1 Person


2 Person


3 Person


4 Person


5 Person


6 Person


7 Person 


8 Person



For more information on the program contact the County’s Program Administrator, Christiana Italiano at Development Directions, LLC by email or phone (732) 507-2004. Additional information is also available on the Union County website: Funding for this program is provided to Union County from the U.S. Department of Housing and Urban Development’s Community Development Block Grant Program.


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Union County Human Services is dedicated to empowering all Union County individuals, families, and communities to achieve their highest level of self-sufficiency and quality of life using an accessible, inclusive, and comprehensive approach to service, delivery and care.

Speak with someone about needs for food, shelter, health & mental health services, domestic violence, job search, special medical transportation, senior services, youth services, assistance for the disabled, child immunizations, homelessness, and homelessness prevention, and more.

To learn more, visit the Union County Human Service website.

(908) 527-4847   


The Department of Community Affairs offers a series of assistance programs for low-income households including water utility assistance, overdue/ assistance with utility bills, and  weatherization/home efficiency services.

To learn more and apply, visit the DCAid Service Portal.

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GRACE stands for Giving and Receiving Assistance for Our Community’s Essentials. GRACE'S programs revolve around the belief that Summit community resources can meet all of the Summit community’s needs. All of GRACE's efforts are to enable the good health and success of Summit's vulnerable and underserved neighbors.  Each Thursday from 11 a.m. to 1 p.m. and 4-7 p.m. people in need of support can access nutrient dense, fresh groceries and hygiene supplies. Union County Human Services staff offer benefits assistance and career counseling.  To learn more, visit:

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In addition to pre-qualifying for affordable housing in Summit using our pre-qualification form above, several providers offer you the ability to pre-qualify for housing in other municipalities throughout NJ. Once such provider is CGP& H -  Like ours, their website will allow you to prequalify for housing in several other NJ municipalities.


Another provider allowing for pre-qualification for affordable housing in several municipalities across NJ include Piazza & Associates -  Like our website, their site will allow you to prequalify for housing in several other NJ municipalities.

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Central Jersey Legal Services

(888) 576-5529

The LSNJLAW Hotline is open from 8:00 AM to 5:30 PM - Monday - Friday

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Summit Housing Authority

(908) 273-6413

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Summit Civic Foundation

(908) 688-7586

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The Salvation Army (Elizabeth, NJ) provide several services for those in need including an emergency shelter and referral/advocacy services.  For more information please click the Salvation Army logo, web link above, or call (908)-352-7057.

Family Promise UC

Family Promise Union County offers scattered site shelter to families in need in the community. FPUC provides a holistic approach, through a comprehensive set of services, to families experiencing homelessness and families at-risk of homelessness in Union County, New Jersey. 

NJ State Seal

NJ State Department of Family Development's WorkFirst NJ (WFNJ) provides eligible clients with Emergency Assistance (EA) in certain situations. These benefits include, but are not limited to: essential food, clothing, shelter and household furnishings; temporary rental assistance or back rent or mortgage payments; utility payments (such as heat, water, electric); transportation to search for housing; and moving expenses.

Eligible persons include those who are homeless or at immediate risk of becoming homeless, and those who have experienced a substantial loss of housing, food, clothing or household furnishings due to fire, flood or similar disaster. 


Catholic Charities of the Archdiocese of Newark offers a list of emergency shelters.  These locations help people become self-sufficient by giving them an opportunity for decision making and for assuming responsibility for improving their situation under the supervision, support, and guidance of shelter staff.

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The YWCA Union County’s Emergency Shelter Program provides a safe, comfortable environment for women and children in need of immediate safety. The shelter is in an undisclosed location, and staff 24/7 by caring and compassionate Shelter Advocates.  Women and their children can stay for up to 90 days.  To connect with our Emergency Shelter, call our Hotline at (908) 355-4357.

The YWCA Union County’s Supportive Housing Program provides long-term housing, up to two years. Supportive Housing is for women with children. This program is designed to allow women additional time to build self-sufficiency and independence.


The Legal FAQs for Renters page has local legal information on residential (not commercial) renters’ issues. It is not legal advice, and you should check with your local legal aid and courts for current information. 

Union County Housing Report

The National Assocition of Counties recently launched their Housing Matchmaker Tool.  The housing policy matchmaker aspires to be a resource for local officials, providing information that assists in understanding the elements of local housing markets, identifying key challenges and providing resources on policies that might help enhance the local housing landscape.

Download the Union County Housing Report to learn more.

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