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Income-qualified renters
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Contact for pricing
Floor plans
1 Bed • 2 Bed • 3 Bed • 4 Bed
Total Units
126
Year Built / Opened
2019
HUD Score
97
Waitlist expected. Click Check Eligibility below to generate your ready-to-print application materials so you're first in line.
Walk Score®
91/100• Walker's Paradise
Transit Score®
72/100• Excellent Transit
Bike Score®
57/100• Bikeable
Walk Score®, Transit Score®, and Bike Score® are trademarks of Walk Score and Redfin.
How Walk Score worksWhat this means for you
This property includes LIHTC tax credit · Not Reported AMI. Rent rules can change by unit, so ask the office which program applies to the apartment you want.
LIHTC: These are income-based apartments with rent limits tied to the local Area Median Income (AMI) — not market-rate rent. Rent limits are set from the local AMI. If this property also has rental assistance, some tenants may pay about 30% of adjusted income.
Not explicitly confirmed. Call ahead to verify elevator availability and doorway widths before applying.
Management Company
Housing Authority City of Jersey City
Property Owner
Housing Authority City of Jersey City
Public Entity
Rent-Restricted Units
121 of 126 total
income-restricted tax credit apartments
Rent-Restricted Until
~2019
Minimum 30-year LIHTC legal commitment
Income Limit
Not Reported
Your household income must be at or below this % of Area Median Income
Montgomery gardens fmly #1653 aka mill creek is a Low Income Housing Tax Credit (LIHTC) apartment community in Jersey City, New Jersey. LIHTC properties — also called Section 42 housing or tax credit apartments — are income-restricted rentals developed with federal tax credits administered by state Housing Finance Agencies (HFAs). Qualifying residents pay rent based on a percentage of the Area Median Income (AMI) for Jersey City. These properties are among the most affordable apartments available without a Section 8 voucher.
To qualify, your total household income must fall at or below the income limit set for this property — currently Not Reported of AMI. Unlike public housing, LIHTC income-restricted apartments are privately managed and require you to apply directly to the property. Rent is fixed at a discounted rate tied to AMI — not to your specific income — so your monthly payment stays predictable.
By law, LIHTC properties must remain rent-restricted for a minimum of 30 years. Montgomery gardens fmly #1653 aka mill creek was placed in service around 2019, keeping rents income-restricted at least through ~2019.
You must be of qualifying age. Your income must fall within HUD's Area Median Income (AMI) limits for Jersey City.
This listing shows historically available units. Ask directly if a unit is open today.
If you use a wheelchair or walker, confirm elevator access and doorway widths before submitting a paid application.
Last inspection 5/31/2022 · This score means the property meets HUD's highest safety and quality standards.
Did you know?LIHTC properties have specific maximum rent limits based on your income and the local Area Median Income (AMI). Read the full guide
This record reports: 1 Bed • 2 Bed • 3 Bed • 4 Bed. Availability can change rapidly, so ask management which layouts are currently open and whether any accessible units are available.
Use the eligibility checker to see the next step for this listing. Contact details are not shown here, but you can start the process and get your application path from the property page.
We'll ask a few basic questions and then show the next step.
Montgomery gardens fmly #1653 aka mill creek is a Low Income Housing Tax Credit (LIHTC) property. HFA records indicate the income ceiling is set at Not Reported. This means your household income must be at or below that percentage of the Area Median Income (AMI) for jersey city. The exact dollar threshold depends on your household size. Management will verify income during the application process.
To view the specific income caps (e.g. 30%, 50%, or 60% AMI limits) for all household sizes, check out the AMI Calculator .
Our eligibility tool automatically cross-references your household size and gross income with the local AMI database for this property to determine your fit.
LIHTC properties are required by law to remain affordable for a minimum of 30 years from the date they were placed in service (Montgomery gardens fmly #1653 aka mill creek was placed in service around 2019, so rent restrictions are secured at least until ~2049). After that period, the owner can choose to exit the program or renew. Ask management about the property's current compliance end date.
Data Provenance
Sourced from LIHTC Database. Last updated: Jun 6, 2026.Read our methodology.
