If you find yourself on a low or fixed income, as many people do, you may be interested in finding a low income apartments. Low income apartments are often available for elderly, disabled, and low income people. They are subsidized in order to help those who wouldn’t be able to afford apartments on their own.
HUD and Low Income Apartments
The Department of Housing and Urban Development, otherwise known as HUD, and Section 8 programs can allow you to move into a low income apartment, if you qualify. The government subsidizes those programs and pays landlords part of the rent, allowing low income families to afford apartments that would otherwise be out of their financial reach.
Local Public Housing Agencies are actually responsible for managing housing voucher programs for low income individuals and families. So, if you need to apply for low income apartments, you should contact your local Public Housing Agency (PHA).
Eligibility for Low Income Apartments
Not everyone is eligible for low income apartments through Section 8 and HUD. So, you will need to see if you are eligible by setting up an interview with your local PHA. Before your appointment you should prepare information about your family income and assets. Bring that information with you to your meeting. Some meetings may be conducted by phone, depending on your local agency’s policies.
The basic requirements for low income apartments are:
- Your family must make 50% or less of your area’s median income in order to qualify for Section 8.
- Your family must make 80% or less of your area’s median income in order to qualify for the Public Housing Program.
In addition to those basic requirements, you cannot qualify for Section 8 if you have any drug or felony offenses on your record. For more information on qualifying for Section 8, visit http://portal.hud.gov/hudportal/HUD?src=/topics/housing_choice_voucher_program_section_8.
Qualifying for Both
If your income is below a certain amount, you may qualify for both the Public Housing program and Section 8 assistance. So, you may be able to use both benefits to find low income apartments that you can afford. That’s why you should apply for both programs. Qualifying for one does not automatically exclude you from the other.
Waiting Lists for Low Income Apartments
Unfortunately, there are fairly long waiting lists for low income apartments, especially in certain parts of the country. For example, in certain parts of California it might take 4 or 5 years for your name to get to the top of the waiting list. Some new housing developments have their own individual waiting lists. So, you need to keep informed about new listings in your area. In order to do that, you should contact your local PHA office.