Connecticut

Tax credit apartments in Waterbury, CT

HUD's database lists 35 properties in Waterbury built or rehabbed with low-income housing tax credits: 1,351 apartments, 875 of them income-restricted. Rents in those units are capped while each property's affordability agreement runs, and you qualify by income; many properties still keep waiting lists.

Equal housing opportunity. Tax credit properties must follow the Fair Housing Act, which bars discrimination because of race, color, religion, sex, disability, familial status or national origin, and they may not refuse an applicant because the applicant holds a Housing Choice (Section 8) voucher (IRC 42(h)(6)(B)(iv)). Properties HUD lists as senior housing may limit who lives there by age only as the Fair Housing Act's housing-for-older-persons exemption allows. To report housing discrimination, call HUD at 1-800-669-9777.

LIHTC Atlas does not own, manage or rent these apartments and does not take applications. Contact each property's management for availability, rents and income rules. Listings come from HUD's database and may be out of date.

136-138 Locust Street

136 Locust St, Waterbury, CT 06704

Apartments: 3
Income-restricted: 3
Placed in service: 1989

14 Wood St

14 Wood St, Waterbury, CT 06704

Apartments: 3
Income-restricted: 3
Placed in service: 1992

156 Bishop St

156 Bishop St, Waterbury, CT 06704

1 1BR, 3 2BR, 1 3BR, 1 4BR

Apartments: 6
Income-restricted: 6
Placed in service: 1995

262 Walnut St

262 Walnut St, Waterbury, CT 06704

Apartments: 7
Income-restricted: 7
Placed in service: 1988

29 Cooke St

29 Cooke St, Waterbury, CT 06710

Apartments: 20
Income-restricted: 20
Placed in service: 1988

296 Willow St

296 Willow St, Waterbury, CT 06710

Apartments: 3
Income-restricted: 3
Placed in service: 1991

30-32 Cooke Street

30 Cooke St, Waterbury, CT 06710

Apartments: 3
Income-restricted: 3
Placed in service: 1989

50-60 East Clay Street

50 E Clay St, Waterbury, CT 06706

Apartments: 8
Income-restricted: 8
Placed in service: 1988

51 Catherine Ave

51 Catherine Ave, Waterbury, CT 06704

Apartments: 8
Income-restricted: 8
Placed in service: 1993

55 Catherine Ave

55 Catherine Ave, Waterbury, CT 06704

Apartments: 8
Income-restricted: 8
Placed in service: 1994

57-61 Ludlow Street

57 Ludlow St, Waterbury, CT 06710

Apartments: 7
Income-restricted: 7
Placed in service: 1988

6 Burton St

6 Burton St, Waterbury, CT 06704

7 3BR

Apartments: 7
Income-restricted: 7
Placed in service: 1996

61-63 Ward Street

61 Ward St, Waterbury, CT 06704

Apartments: 3
Income-restricted: 3
Placed in service: 1989

68-72 Congress Avenue

68 Congress Ave, Waterbury, CT 06708

Apartments: 7
Income-restricted: 6
Placed in service: 1988

701 S Main St

701 S Main St, Waterbury, CT 06706

Apartments: 6
Income-restricted: 6
Placed in service: 1989

Byam Village

1782 Meriden Rd, Waterbury, CT 06705

8 1BR, 30 2BR, 8 3BR

Apartments: 46
Income-restricted: 46
Placed in service: 1997

Carroll Apts

25 Stewart Ave, Waterbury, CT 06705

Apartments: 35
Income-restricted: n/a
Placed in service: n/a

Carroll Building

44 Willow Street, Waterbury, CT 06710

31 1BR, 4 2BR

Apartments: 35
Income-restricted: 28
Placed in service: 2016

Cherry Street Heights

63 Cherry St, Waterbury, CT 06702

2 3BR, 4 4BR

Apartments: 6
Income-restricted: 6
Placed in service: 1995

Country Village Apts

134 Dorchester Ave, Waterbury, CT 06704

Apartments: 229
Income-restricted: n/a
Placed in service: n/a

Davis Gardens Apartments (Fka Warner Gardens)

164 Warner Street, Waterbury, CT 06704

Apartments: n/a
Income-restricted: n/a
Placed in service: n/a

Davis Gardens II

18 Garden Circle, Waterbury, CT 06704

Apartments: n/a
Income-restricted: n/a
Placed in service: n/a

Diamond Court

150 Manhan St, Waterbury, CT 06710

Apartments: 80
Income-restricted: 32
Placed in service: 1992

Elton Hfa

30 W Main St, Waterbury, CT 06702

83 studio, 8 1BR

Apartments: 91
Income-restricted: 81
Placed in service: 1995

Enterprise Abbot Apartments

245 N. Main Street + 13 Cherry Avenue, Waterbury, CT 06702

HUD lists it as senior housing · 159 1BR, 28 2BR

Apartments: 187
Income-restricted: 187
Placed in service: 2022

Exchange Place Towers

44 Center Street, Waterbury, CT 06702

Apartments: n/a
Income-restricted: n/a
Placed in service: n/a

Frost Homestead

16 Mortimer Street (Aka 37 Enoch Street), Waterbury, CT 06705

18 1BR, 18 2BR, 27 3BR

Apartments: 63
Income-restricted: 63
Placed in service: 2015

Liberty Commons

619-629 South Main St. 24-30 East Liberty St., Waterbury, CT 06903

15 2BR, 18 3BR

Apartments: 33
Income-restricted: 33
Placed in service: 2015

Locust Street

128 Locust St, Waterbury, CT 06704

Apartments: 17
Income-restricted: 17
Placed in service: 1990

Schoolhouse Apartments

42 Pine Street, Waterbury, CT 06710

Apartments: n/a
Income-restricted: n/a
Placed in service: n/a

South Main - East Liberty Apts

South Main & E Liberty, Waterbury, CT

Apartments: 33
Income-restricted: n/a
Placed in service: n/a

Southford Park Apts

National Dr, Waterbury, CT

16 1BR, 148 2BR, 48 3BR

Apartments: 212
Income-restricted: 155
Placed in service: n/a

Warner Gardens

154 Warner St, Waterbury, CT 06704

Apartments: 56
Income-restricted: n/a
Placed in service: n/a

Watertown Crossing Village

100 Fulkerson Dr, Waterbury, CT 06708

19 2BR, 75 3BR, 14 4BR

Apartments: 108
Income-restricted: 108
Placed in service: 1996

Willow Mutual Housing LP

203 Willow St, Waterbury, CT 06710

6 1BR, 6 2BR, 8 3BR, 1 4BR

Apartments: 21
Income-restricted: 21
Placed in service: 2006

Source: HUD's national LIHTC database (LIHTCPUB, revised May 28, 2026; projects placed in service through 2024). Properties a state agency has flagged as no longer monitored are left out; properties placed in service after 2024 are not in HUD's database yet.

How tax credit apartments work

Each income-restricted unit has a maximum rent set from the area's income limits: gross rent, including a utility allowance for tenant-paid utilities, can't go above 30% of the income limit for the unit's size. The rent doesn't change with your own income, so a household near the bottom of the range pays the same rent as one near the top. That's different from public housing or a voucher, where you pay a share of what you earn.

To qualify, your household's income has to be at or under the limit the unit is set at, usually 50% or 60% of the area median, and up to 80% in some buildings. Management checks income, and assets, when you apply. A household made up entirely of full-time students generally can't qualify, with exceptions in IRC 42(i)(3)(D) such as single parents and married students filing jointly. More on qualifying.

You can apply with a Housing Choice voucher, and the property can't turn you down because you have one.