Takes 30 seconds. 100% free
Best fit
Families
Rent
30% of adjusted income
Floor plans
2 Bed • 3 Bed
Total Units
24
Assisted
24
Waitlist expected. Click Check Eligibility below to generate your ready-to-print application materials so you're first in line.
Walk Score®, Transit Score®, and Bike Score® are trademarks of Walk Score and Redfin.
How Walk Score worksWhat this means for you
30%
of adjusted income
This property includes USDA Section 515. Rent rules can change by unit, so ask the office which program applies to the apartment you want.
USDA Section 515: This is rural housing in a smaller town or rural area. Many tenants pay based on income, but the exact rent can vary by unit and assistance level.
To qualify for these apartments at CHACO RIVER APARTMENTS, your total household income must fit the local Area Median Income (AMI) limits for Shiprock and the 87420 zip code. The exact rules can vary by program and by household size.
This property includes USDA Section 515. Check the program labels on this page and confirm the exact unit rules with management before you apply.
Local Median (1-Person)
$28,320
Local Median (4-Person)
$40,458
Based on the latest 2024 census data, the figures above show the local median earnings for this area.
2 accessible units reported.
Management Company
J. L. GRAY
You must be of qualifying age. Your income must fall within HUD's Area Median Income (AMI) limits for Shiprock.
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.
Rural Housing Rights:USDA Rural Development properties offer rental assistance and have specific tenant grievance procedures. Read the full guide
Income limits are calculated against the Area Median Income (AMI) for the 87420 zip code. Based on recent Census data, the local median income is $28,320 for a single person, and $40,458 for a four-person household. Your specific income cap depends on the exact subsidy program rules applied by management.
To view how these median figures translate to 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.
Chaco river apartments is part of the USDA Section 515 program, providing affordable housing to low-income households. This program offers income based apartments and low income housing options in shiprock.
No. USDA Section 515 housing is open to anyone who meets the income limits for shiprock. You do not need to be a farmworker or work in agriculture to qualify for these affordable apartments.
Because this property has 100% Rental Assistance, your rent will be capped at roughly 30% of your adjusted household income, providing true income based apartments. Management will calculate your exact rent based on your income documents.
This record reports: 2 Bed • 3 Bed. Availability can change rapidly, so ask management which layouts are currently open and whether any accessible units are available.
Yes, this property reports having 2 dedicated accessible unit(s). However, availability is subject to change. You should still call management to verify the dimensions of the doorways and bathrooms, and ensure an accessible unit is currently open.
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.
Data Provenance
Sourced from USDA Section 515 Directory. Last updated: Jun 21, 2026.Read our methodology.
