Spruce Terrace §202 Senior Kearny, NJ
Profile last updated · Data vintage: HUD FY2025
Spruce Terrace is a Section 202 PRAC (Senior Housing) community in Kearny, NJ with 74 units reporting 99% occupancy. Assisted residents pay about $392/month on average.
74
total units
99%
occupancy
$392
avg resident rent
—
reported wait
Resident & program facts (HUD-reported)
| Program(s) | Section 202 PRAC (Senior Housing) |
|---|---|
| Address | 21 Spruce St, Kearny, NJ Map → |
| Average household income | $16,995/yr |
| Average personal income | $15,152/yr |
| People per unit | 1.1 |
| Moved in within last year | 11% |
| Households below 30% AMI | 95% |
| Households below 50% AMI | 99% |
| One-bedroom share | 100% |
How to apply at Spruce Terrace
Section 202 PRAC: independent senior living (62+) with income-based rents and on-site service coordination.
- Call or visit the management office at 21 Spruce St, Kearny; ask if the waitlist is open and request an application.
- Gather ID, Social Security cards, birth certificates, and proof of all income. Applications are always free.
- Claim eligible preferences (homelessness, veteran, local residency) with documentation.
- Respond fast to interview letters; verify rent expectations against your budget (~$392/mo average here).
Other subsidized housing in Kearny
- Kearny Senior Residence §202 Senior
Nearby subsidized housing (within ~10 km)
| Property | Location | Distance |
|---|---|---|
| Harrison Grdns Public Housing | Harrison | 2.4 km |
| Townhouses - Oriental St. Public Housing | Newark | 2.8 km |
| Baxter-crane-c Public Housing | Newark | 3.5 km |
| Baxter-krane-d Public Housing | Newark | 3.5 km |
| Walker House LIHTC | Newark | 4.2 km |
| 540 Broad LIHTC | Newark | 4.2 km |
| Hyatt Court Public Housing | Newark | 4.4 km |
| Aspen Riverpark Apartments LIHTC | Newark | 4.5 km |
← All subsidized housing in Kearny
Frequently asked questions
What kind of subsidy does Spruce Terrace have?
Section 202 PRAC (Senior Housing). Section 202 PRAC: independent senior living (62+) with income-based rents and on-site service coordination.
How much is rent at Spruce Terrace?
Residents report average rents near $392/month in HUD administrative data. Under most federal programs you pay roughly 30% of adjusted income — your actual amount depends on household income and unit size.
How do I apply at Spruce Terrace?
Contact the management office at 21 Spruce St in Kearny. Ask whether the waitlist is open, request an application, and claim any preferences you qualify for. There is never a fee to apply for HUD-subsidized housing.