Lake Oswego Section 8 Calculator — Clackamas County, Multnomah County and Washington County Income Limits & Rent Estimate
Renters in Lake Oswego, OR often search for the Housing Choice Voucher program — commonly called Section 8. Vouchers help very low-income households afford rent in private housing. In this city or town, HUD rules are usually applied through a Public Housing Authority (PHA) serving Clackamas County, Multnomah County and Washington County.
HUD income limits & Fair Market Rents — Lake Oswego
Official HUD figures for Clackamas County (area: Portland-Vancouver-Hillsboro, OR-WA MSA). Local PHA payment standards are often 90–110% of FMR.
This place spans multiple counties (Clackamas County, Multnomah County, Washington County). Tables show the primary county — confirm with your ZIP in the calculator.
Annual income limits (FY 2026)
Very low income (~50% AMI) and low income (~80% AMI) by household size. Section 8 typically prioritizes very low-income households.
| Household size | Very low (50%) | Low (80%) |
|---|---|---|
| 1 | $44,950 | $71,900 |
| 2 | $51,350 | $82,150 |
| 3 | $57,750 | $92,400 |
| 4 | $64,150 | $102,650 |
| 5 | $69,300 | $110,900 |
| 6 | $74,450 | $119,100 |
| 7 | $79,550 | $127,300 |
| 8 | $84,700 | $135,500 |
Monthly Fair Market Rents (FY 2027)
Benchmark gross rent (rent + utilities) by unit size. Use the ZIP calculator for Small Area FMRs or an estimated voucher amount.
| Bedrooms | FMR |
|---|---|
| Studio | $1,527 |
| 1 bedroom | $1,633 |
| 2 bedrooms | $1,878 |
| 3 bedrooms | $2,550 |
| 4 bedrooms | $3,069 |
Source: HUD USER API (income limits & FMR). Educational estimate only; not affiliated with HUD or any PHA. Reference fiscal year: 2026.
Lake Oswego Section 8 Rent Calculator & Voucher Estimate
Because Lake Oswego may sit in a multi-county HUD area, use our Section 8 rent calculator to check your county, HUD income limits, and estimated tenant rent share before you contact a housing authority.
Calculate Lake Oswego rent share & voucherHousing Choice Voucher program
A Section 8 voucher in the Lake Oswego area does not pay your full rent. You pay a tenant share (often about 30% of adjusted income), and the voucher covers part of the rent up to the local payment standard, which is based on HUD Fair Market Rents for Clackamas County, Multnomah County and Washington County.
Most PHAs near Lake Oswego run waiting lists that open only periodically. Eligibility depends on income, household size, and local preferences — not on applying first online alone.
- Project-based Section 8 — Project-based Section 8 — subsidy stays with specific buildings (different application path).
- Tenant-based vouchers (HCV) — Tenant-based vouchers (HCV) — you find a unit; the voucher moves with you in many cases after initial lease-up.
- Local preferences — Local preferences — veterans, elderly, disabled, or working families may get priority on some lists.
Section 8 guides for Lake Oswego renters
These guides explain vouchers, income limits, and rent math for households in Lake Oswego and across Oregon. Each links to our calculator so you can run numbers for your ZIP.
How Section 8 HAP Is Calculated (Tenant Share vs Owner)
HAP is min(payment standard, gross rent) minus TTP. See family rent to owner, utility reimbursement, the 90–110% FMR band, and what this calculator can and cannot decide.
RentHow Much Section 8 Pays by Bedroom Size
There is no national dollar amount for a 1-, 2-, or 3-bedroom voucher. Family unit size, the PHA payment standard, and your TTP decide HAP — plus the 40% first-lease rule.
PHAFind Your Public Housing Authority (PHA) for Section 8
Learn what a PHA is, how to find the housing authority for your city or county, and where to apply for a Section 8 Housing Choice Voucher waiting list.
ApplicationHow to Apply for Section 8 — Waiting Lists & PHA Steps
Step-by-step overview of Section 8 waiting lists, PHA applications, and what to do while you wait for a voucher.
Voucher programHousing Choice Voucher Program (Section 8) Explained
What the Section 8 Housing Choice Voucher program is, how PHAs run it, and how vouchers differ from public housing.
RentSection 8 Rent Calculator — How Much Will I Pay With a Voucher?
Estimate your Section 8 tenant share (TTP), payment standard, and maximum voucher subsidy. Includes rent above payment standard examples.
Income limitsSection 8 Income Limits Explained by Household Size
HUD very low and low income limits determine Section 8 eligibility. See how limits vary by ZIP, county, metro area, and family size.
BasicsHow Section 8 Housing Works — Vouchers, PHAs & What You Pay (2026)
How Section 8 Housing Choice Vouchers work in 2026 — who qualifies, how PHAs issue vouchers, how payment standards are calculated, and exactly what renters pay vs what the subsidy covers.
Apply near Lake Oswego
- Confirm income limits with the calculator.
- Find your PHA in our PHA Directory or the HUD contacts tool (Clackamas County, Multnomah County and Washington County).
- Join the waiting list when the PHA opens applications — many lists close for years at a time.
- When selected, find a rental at or below the payment standard and complete inspection.
Ready to apply? Download the PDF application checklist before your appointment.
FAQ — Section 8 in Lake Oswego
Can I use Section 8 in Lake Oswego, OR?
Many renters in Lake Oswego can apply if they meet HUD income limits and the local PHA has an open waiting list. Vouchers are portable in some cases, but you must apply through the housing authority that serves your area — often tied to Clackamas County, Multnomah County, Washington County.
How much rent will I pay with a voucher near Lake Oswego?
Your minimum share is the Total Tenant Payment (TTP) — typically the greater of 30% of adjusted monthly income, 10% of gross income, or a small PHA minimum. Use our calculator with your ZIP to see an estimate for Clackamas County, Multnomah County, Washington County.
Where do I apply for Section 8 in Lake Oswego?
Applications are handled by your local Public Housing Authority, not this website. Search HUD's PHA contact directory for authorities serving Clackamas County, Multnomah County, Washington County, then follow their waiting list instructions.
Does Lake Oswego have its own income limits?
HUD publishes income limits and Fair Market Rents by county or metro area. Lake Oswego uses the limits for Clackamas County, Multnomah County, Washington County. Enter your ZIP in our calculator to pull the current HUD figures for your household size.
Do medical bills lower Section 8 rent in Lake Oswego?
If your household is elderly (62+) or disabled, HUD may deduct unreimbursed medical costs above 10% of annual income, plus a family allowance. That reduces the adjusted income used for your tenant share (TTP). Run a Lake Oswego ZIP in the calculator; the PHA serving Clackamas County, Multnomah County, Washington County decides which receipts count.