Covenant Harbor I & II: Subsidized housing for seniors in Oak Harbor, Ohio

Notice of apartments available soon.Together, Covenant Harbor I & II create an attractive, affordable senior apartment community for individuals age 62 years or older. Located in the northeast corner of the village of Oak Harbor, across the street from Veterans Memorial Park, each community offers a beautiful setting for senior independent living.

The addition of Covenant Harbor II in 2010 more than doubled Covenant Harbor’s size, adding 24 apartments and a spacious community room that embraces the look and feel of the surrounding rural community.

Like many Genacross Lutheran Services housing sites, Covenant Harbor has a spiritual foundation. The community is the result of an ecumenical effort that included St. John Lutheran Church, Oak Harbor United Methodist Church, and the village of Oak Harbor. Seniors of all faiths are welcome to make Covenant Harbor their home.

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  • Features and Amenities

    Covenant Harbor I & II combine for a total of 38 apartments to form a community that provides a home with utilities and services at one reasonable rate. Following are some of the features and amenities provided:

    • One-bedroom apartments (approximately 540 square feet), which include a carpeted living room with dining space, a full bath, and a kitchen with a range, sink, and refrigerator
    • All apartments on ground level with a patio
    • Individually controlled heat and air conditioning
    • Central hallway to lobby, social areas, laundry, and mailboxes
    • Beauty shop
    • Convenient parking and pleasant grounds
    • Cable TV available (additional fee)
    • Non-smoking campus
    • Small pets welcome
  • Services

    Many services are provided to residents at no extra cost. These services include exterior maintenance such as lawn care, snow and trash removal, and interior maintenance of the electrical, heating and air conditioning, and plumbing systems.

    A wide variety of social opportunities are made available to residents, if they wish to participate. Activities vary and may include card parties, bingo, Bible studies, lunch outings, and monthly birthday parties. Check the monthly activity calendar for a full schedule of events.

    Transportation is available through local senior transportation services.

    Service Coordination

    Genacross is committed to helping residents age in the setting of their choice and maintain their independence. A service coordinator is available onsite to assist residents in procuring services such as meals, home health care, and housekeeping — all of which help in maintaining an independent lifestyle.

  • Eligibility

    Because Genacross develops communities under special financing arrangements aimed at encouraging senior housing opportunities, an income limit is required.

    The eligibility guidelines for Covenant Harbor I & II are designed to house very low-income individuals. Very low income is defined by the U.S. Department of Housing and Urban Development as not exceeding 50 percent of the median family income for the county or metropolitan area.

    Income from all sources must be verified as part of the initial certification process. Annual recertification also is required. All information acquired is kept confidential.

    To obtain the current income eligibility levels for Covenant Harbor I & II, please contact the housing manager at

  • Cost

    Residents pay 30 percent of adjusted gross annual income. All utilities except telephone and cable TV are included in the rent. A security deposit equal to one month’s rent is required before moving in.

To learn more, call Covenant Harbor at 419.898.6460. You may also fill out our contact form.

Subsidized Housing

Genacross Lutheran Services adheres to federal law which forbids discrimination in housing or services, directly or indirectly, on the basis of race, color, religion, sex, national origin, age, familial status, or disability. Alleged violations may be referred to a HUD regional office of Fair Housing and Equal Opportunity.