Essex Street Lofts

86 Essex Street Haverhill, MA 01832

Welcome to Essex Street Lofts, where luxury living meets modern convenience! Our brand-new apartment community located in Haverhill offers a variety of floor plans to fit your lifestyle - choose from studio, one, and two bedroom apartments. Essex Street Lofts is a renovation and restoration of the brick and metal 7-story industrial building. The project will welcome an urban renewal approach to the surrounding area outside of Haverhill’s downtown developments. 9 of the 42 units are designated as affordable units and will be rented to households earning at or less than the 80% Area Median Income based on the Lawrence, MA-NH MSA income limits.


Bike Storage
On-Site Parking (additional fees apply)
On-Site Storage (additional fees apply)
Fitness Center
Co-Working & Collaboration Spaces (with conference room)
Private Lobby
Art Gallery (featuring pieces from local artists)
Common Roof Deck (with sky room)
Pet Wash


Essex Street Lofts is located in the heart of all that Haverhill has to offer. From the Commuter Rail station to some of the city’s best restaurants and bars, nothing is too far from your front door. Plus our location provides easy access to the North Shore’s greatest beaches and easy access to explore New Hampshire and Maine.


Minimum income limits apply unless the household receives mobile housing assistance (including, but not limited to: VASH, Section 8 and MRVP).

  • Program: 40B
  • Number of Income-Restricted Apartments: 9 (Four 80% AMI Studio Units, Four 80% AMI 1-Bedroom Units, & One 80% AMI 2-Bedroom Unit)
  • Apartment Sizes: Studio, 1-Bedroom & 2-Bedroom
  • Income-Restricted, ADA-Accessible Apartment: One, 1-Bedroom Unit built out for Households with Mobility Impairments
  • Maximum Income Limit: 80% AMI (Area Median Income) — Based on HUD Limits
  • Asset Limit: No Asset Limit for 40B

Income and rent limits are determined by HUD on an annual basis. To find out more about the current year’s limits, please visit this link.

2023 HUD Income Limits

Lawrence, MA-NH HUD Metro FMR Area
Household Size50% AMI80% AMI
1$42,700 $66,300
2$48,800 $75,750
3 $54,900 $85,200
4 $60,950 $94,650
5 $65,850 $102,250
6 $70,750 $109,800
7 $75,600 $117,400
8 $80,500 $124,950

Current Rental Availability

Property# BedsRentMinimum IncomeIncome Limit (AMI)Units AvailableAccessible Units
Alta Oxbow 1-Bedroom $2,085$62,55080%1- Age Restricted 55+ Unit 0
The Artemis at Arlington HeightsStudio$1,834$55,02080%10
Lifetime Living 1-Bedroom$2,219$76,156.0880%10
Residences at 581 Salem Street2-Bedroom $2,261$67,83080%10
176 Washington 1-Bedroom $2,004$60,12080%10
Woburn Heights, Phase 21-Bedroom (2 ADA-M Units)$2,019$60,57080%42 Units built out for Households with Mobility Impairments
Woburn Heights, Phase 22-Bedroom (ADA-M Unit)$2,420$72,60080%21 Unit built out for Households with Mobility Impairments
Anthem EverettStudio$1,903$57,09080%20
Anthem Everett1-Bedroom$2,149$64,47080%60
Anthem Everett2-Bedroom$2,382$71,46080%20
Anthem EverettStudio (ADA Units)$1,903$57,09080%43 Units built out for Households with Mobility Impairments; 1 Unit built out for Households with Visual Impairments and/or that are Deaf/Hard of Hearing
Anthem Everett1-Bedroom (ADA Units)$2,140$64,20080%44 Units built out for Households with Mobility Impairments
Anthem Everett2-Bedroom (ADA Units)$2,369$71,07080%54 Units built out for Households with Mobility Impairments; 1 Unit built out for Households with Visual Impairments and/or that are Deaf/Hard of Hearing
Halstead Studio$2,036$54,79280%11 - includes unit built out for households that have a mobility impairment
Essex Street LoftsStudio$1,492$44,76080%40
Essex Street Lofts1-Bedroom$1,685$50,55080%41 Unit built out for Households with Mobility Impairments
Essex Street Lofts2-Bedroom$1,862$55,86080%10
Cedar Place 1-Bedroom$2,058$61,74080% 10
Cedar Place 2-Bedroom$2,422$72,66080% 10
93 Centre Street1-Bedroom (ADA-M)$1,648$49,40080%11 Unit built out for Households with Mobility Impairments
93 Centre StreetStudio 1,437$43,11080%1
South Standard 2-Bedroom $3,785$90,840150% 11 1 Unit built out for Households with Mobility Impairments
Prynne Hills1-Bedroom $2,121$72,792.7280%11 Unit built out for Households with Mobility Impairments
7Ink1 SRO Room in Co-Living 4-Bedroom Suite$1,174$35,22070%30
525 Linc1 SRO Room in Co-Living 3-Bedroom Suite$1,549$46,470100%50
Essex Landing 1-Bedroom $2,257$67,71080%20
Cable Mills 2-Bedroom Condo$185,000 (Purchase Price)-80%10
Harborview 2-Bedroom$3,103$93,090120%10
Prospect Union Square Studio$1,803 - $3,212 (Rent will be 30% of the total household income)$82,951110%11 Unit built out for Households with Audio/Visual Impairments
Reserve at Burlington1-Bedroom $2,219$58,581.6080%20
20 Englewood Ave.2-Bedroom$3,148 $94,44080%10


The next step is to request a lottery application, and then complete and submit your application by the deadline.  

APPLICATION DISTRIBUTION PERIOD: January 5, 2024 – March 5, 2024


Information Sessions:

Wednesday, January 10th, 2024 @ 12pm & Wednesday, February 7th, 2024 @ 6pm 

Meeting ID: 867 6925 9274 

Passcode: 509606 

One tap mobile 

+16468769923,,86769259274#,,,,*509606# US (New York)  

+16469313860,,86769259274#,,,,*509606# US 

Email: Phone: (617) 639-3064 Ext 702 | US Relay 711

Free language assistance is available for those whose primary language is not English or have limited English proficiency. For more information or reasonable accommodations for persons with disabilities, please contact us.


Applications will be distributed between the dates stated above. Applications will be made available online, by mail, and in-person during the scheduled distribution times. Applicants that prefer to submit a hard copy of the application (versus the online application) are required to mail the completed application back to Maloney Properties, Inc. The application must be postmarked on or before the application deadline date. Applications will also be accepted by email.

1. Applicants who submit a complete application by the deadline will then be entered into the lottery.

2. All applicants will receive an application number.

3. The application number is used for the lottery to keep the identity of applicants confidential.

4. Maloney Properties will then conduct a lottery and each applicant will then be assigned a lottery number (lottery #1 being first).

5. Following the lottery, we will then show the units to the top applicants based on the lottery number and preferences. At this stage, we will begin to request supporting documentation (paystubs, bank statements, taxes, etc.).

Please note that entry in the Lottery Drawing does not constitute qualification or eligibility. Applicant’s eligibility will be determined post lottery.


Income Questions:

How is my income calculated?
The household income is calculated based on the gross income of the household. Commissions, bonuses and other regular payments are included and considered part of the gross annual income.

I didn’t file taxes last year. What do I need to provide?
Individuals or households who did not file taxes must provide a verification of non-filing from the IRS in lieu of a tax return. To obtain the verification of non-filing, applicants should fill out a 4506-T form and file it by mail or hand-deliver it to an IRS office. The IRS will mail back a letter of verification which must be provided with the income materials given to the marketing agent. See the IRS website to download a 4506-T form.

I received a pay raise between the time I picked up an application and the time I was income certified and now I am over the income limit. What do I do?
Income is calculated at the time the applicant submits an application to the lottery agent, not during the application process or at the time of the lottery. Eligibility must be maintained from the time of the application pick up until after income certification verification. Unfortunately, if an applicant’s income is over the income limit, the applicant will not be eligible for the particular unit for which they applied.

I have children in school/college, how does this affect my application?
Income from children in school/college under the age of 18 is not considered towards the income of the household.

Are student loans considered income?
Student loans are not considered income and may not be used to income qualify.

I am separated from my spouse, does this affect my application?
Legally married couples shall both be considered part of the household, even if separated. Applicants with additional questions regarding this policy must speak with the marketing agent/seller.

I would like to appeal a decision regarding income eligibility. How do I appeal? Applicants who are rejected will receive a rejection letter in writing and will be given 7 days for the opportunity to appeal the decision.

Property Questions:

What are the move-in fees? First month’s rent & security deposit equal to one month’s rent.

What utilities are included in the rent? Water/Sewer. Tenants are responsible for all other utilities including gas (heating & hot water), electricity (cooling, laundry, & cooking), & cable/internet (optional).

Is the stove electric or gas? Electric.

Is the washer/dryer included? Yes. In-unit (Electric).

Is parking available? Parking is available to rent for an additional $110/month per parking space.

Is storage available? On-site storage is available to rent for an additional $50/month.

What is the pet policy? Pets are allowed for an additional $50/month per pet. Breed restrictions may apply. Exceptions will be made for service animals or other animals needed to reasonably accommodate an individual with a disability.

If you have additional questions about this property, please contact us.

Tel: (617) 639-3064 Ext 702 – US Relay 711