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Learn about government programs that help low-income people find affordable rental housing. Each of the programs - subsidized housing, public housing, and housing choice vouchers - is different. Get the details on how they work, who is eligible, and how to apply.
People with low income
Low Income: a total family income that’s no more than the Section 8 low-income limit established by HUD. Individuals are considered one-person families., seniors
Senior: for housing benefit eligibility purposes, a person who is 62 or older., and people with disabilities
Person with a Disability: a person whose physical or mental impairment substantially limits one or more major life activities, such as eating or walking. may qualify for help from the U.S. Department of Housing and Urban Development (HUD) to get affordable rental housing. HUD doesn't own rental property. It gives money to states and building owners, who in turn provide low-income housing opportunities.
Get Personalized Help with Your Search
Find a HUD-approved housing counselor in your area online or call 1-800-569-4287 to find a local housing counseling agency
Housing Counseling Agency: an organization with experts who provide advice on buying a home, renting, avoiding mortgage default (missing a payment) and foreclosure, and credit issues.. The counselor may be from a non-profit organization approved to offer advice on housing assistance.
Search by Type of Program
There are three main types of affordable rental housing that are supported by HUD:
Privately owned, subsidized housing in which landlords are paid by the government to offer reduced rents to low-income tenants. Search for an apartment and apply directly at the rental management office.
For complaints about subsidized housing, call the Multifamily Housing Complaint Line at 1-800-MULTI-70 (1-800-685-8470).
Public Housing provides affordable rental houses or apartments for low-income families, people who are elderly, and people with disabilities. To apply, contact a public housing agency in your state.
COVID-19 Rental Assistance and Eviction Moratorium
If you need rental assistance because of the COVID-19 pandemic, state or local government programs may help. And you may qualify for a federal eviction moratorium from the CDC that runs through October 3, 2021.
The Centers for Disease Control and Prevention issued a new order temporarily halting evictions in counties with substantial or high levels of community COVID-19 transmission.
The eviction ban is in effect from August 3, 2021 to October 3, 2021.
What To Do If You Are Facing Eviction Because of the COVID-19 Pandemic
To help get eviction protection under the CDC's eviction moratorium, fill out this form or write and sign a document to give to your landlord. Include all of the following information:
You've tried to get government assistance for rent or housing
You either:
Earned or expects to earn no more than $99,000 in the calendar years 2020 and 2021 ($198,000 if you’re a couple filing jointly), or
Didn't have to report any income to the Internal Revenue Service in 2020, or
Received a COVID-19 stimulus payment
You can't pay your full rent due to significantly reduced income or large medical bills
You're paying as much toward your rent as you can
If evicted you'd become homeless or have to move in with other people in close quarters
You live in a U.S. county experiencing substantial or high rates of community transmission of COVID-19 as defined by the CDC.
You understand that you could be liable for perjury for any false or misleading statements or omissions in the declaration.
Keep in mind, this is not rental forgiveness. You will still owe rent to your landlord. And you can be evicted during this time for reasons other than not paying your rent.
Housing Choice Voucher Program (Formerly Section 8)
Find out how the Housing Choice Voucher Program can help you pay for rental housing. Get information about eligibility requirements, how you can apply, and where to file housing complaints.
Whether you qualify as a family, a senior, or a person with a disability
U.S. citizenship or eligible immigration status
Your family's size
Other local factors
In general, your family's income may not exceed 50% of the median income for the county or metropolitan area.
Each state or city may have different eligibility rules for housing programs. Contact your local PHA to learn about your eligibility for Housing Choice vouchers.
You will need to fill out a written application or have a representative of your local PHA help you.
The PHA representative will collect information on your family size, income, and assets.
The PHA will check this information with other local agencies, your employer, and your bank. This helps them decide if you qualify and how much assistance you'll get.
The amount of assistance you may get is adjusted so you can afford a moderately-priced rental in your area.
The housing you choose must meet health and safety standards before the PHA can approve the unit.
After you've been approved for a voucher and found a place to rent, the PHA will inspect the rental before you sign your lease. These inspections are performed so the PHA can be sure the property is worth the rental price.
Check the Status of Your Housing Choice Voucher Application
If you qualify for a Housing Choice voucher, the PHA will put your name on a waiting list. They will contact you when it's your turn to receive a voucher.
Get Help With Your Housing Choice Voucher Application
If you need help applying for a Housing Choice voucher or getting information about housing programs, contact your local PHA. If you need more help, contact your local HUD office.
Since the demand for housing assistance is usually greater than the resources available, you may wait a long time to get on a list and to get a voucher.
Being approved for a voucher in one city or state does not guarantee you'll be approved somewhere else.
Infographic: Find Affordable Rental Housing
Government programs help low-income people find affordable rental housing. This infographic explains how they work.
If you have a low income and need affordable rental housing, government programs may help. Public housing agencies use federal funds to run housing programs locally, working with building owners to subsidize rent for eligible people.
Privately-Owned Subsidized Housing
The government gives some property owners money to provide low-rent apartments. Apply at a property’s rental office. Learn more and search for low-rent apartments at https://apps.hud.gov/apps/section8/.
To be eligible:
1. You must be within the income limit set for the location and size of your family.
2. You may have to meet other requirements set by the property owner.
Housing Choice Vouchers and Public Housing
Housing Choice Vouchers (Section 8)
You find your own housing. The government pays your landlord the amount allowed by your voucher each month. You pay the difference, if any.
You can rent an apartment, townhouse, or single-family home.
The property must meet health and safety standards.
Your voucher amount is based on your income, family composition, and local housing costs.
Public Housing
You rent housing from the local public housing agency based on your gross annual income.
Housing may include apartments, townhouses, or single-family homes.
The housing agency will contact your current and past landlords, and may visit you at your current home to determine your suitability as a tenant.
To be eligible for either program, you must be:
A family, senior citizen, or person with a disability
Complete an application that will ask about your income, family composition, employer, and bank. The housing agency will verify this information.
Provide all necessary documents such as photo ID, birth certificates, and tax returns at the time of your appointment.
Wait times for these programs can be long and the waiting list may be closed when you try to apply. Keep checking your local public housing agency’s website for their list to reopen.
To learn more about these programs, call the PIH Customer Service Center at 1-800-955-2232 Monday - Friday 9:00 AM to 5:00 PM ET, or visit https://www.USA.gov/finding-home.
To find out what other help may be available for you locally
Even if you don't qualify for rental assistance through these agencies, they may be able to refer you to a community organization that can help. You may also search for and contact community or nonprofit organizations in your area. They may help you directly or offer you referral information.
Housing Assistance for Veterans
The Department of Veterans Affairs (VA) offers the HUD-VASH for homeless veterans. It combines HUD housing vouchers with VA supportive services.
Find out about public housing, including what it is, whether you're eligible, how to apply, and whom to contact if you have a complaint.
Learn About Public Housing
Public housing is state-owned, affordable rental houses or apartments. It's intended for families with low incomes, seniors, and people with disabilities. Found nationwide, public housing comes in all sizes and types, from single-family houses to high rise apartments. The Department of Housing and Urban Development (HUD) administers the program.
Since the demand for public housing is often larger than the amount of housing available to HUD and the local PHA, long waiting periods are common. A PHA may close its waiting list when there are more families on the list than can be assisted in the near future.
Whether you qualify as a senior, a person with a disability, or a family
U.S. citizenship or eligible immigration status
Other local factors
PHAs use income limits developed by HUD. The lower income limit is 80% and very low income limit is 50% of the median income for the county or metropolitan area where you want to live.
Because income limits and eligibility requirements vary from area to area, you may be eligible in one state, city, or county but not in another. Contact your local PHA to learn about your eligibility for:
Federal and local public housing programs
Housing Choice vouchers
Rental assistance
Subsidized housing
Apply for Public Housing
To apply, contact your local PHA. Here’s what you can expect during the application process.
Either you or a PHA representative will fill out your written application. Your PHA usually needs to collect the following information to determine eligibility:
Names of all people who would be living in the unit, their sex, date of birth, and relationship to the family head
Your present address and telephone number
Conditions that might help your family's reception into the program more quickly, including:
Veteran status
Current residency in substandard housing
Names and addresses of your current and previous landlords to verify your family's suitability as a tenant
An estimate of your family's income for the next 12 months and the sources of that income
The names and addresses of employers, banks, and others to verify your income, deductions, and family composition
Someone from your PHA may visit you in your home to interview you and your family members to see how you manage the upkeep of your current home.
After collecting this information, the PHA representative should describe the public housing program. They'll go over its requirements and answer any questions you may have.
A PHA representative will ask for documents including birth certificates and tax returns. The PHA uses these documents to verify the information on your application. The PHA may also talk to your employer and your other references. You will be asked to sign a form to authorize the release of information to the PHA.
Check the Status of Your Public Housing Application
Your PHA has to provide written notification of your application's status. If the PHA determines you're eligible, your name will be put on a waiting list. Once it's your turn, the PHA will contact you.
Get Help With Your Public Housing Application
Contact your local PHA for help with a public housing application or more information about housing programs. If you need further assistance, contact your local HUD branch office.
Identify and Complain about Housing Discrimination
Housing discrimination happens when a housing provider gets in the way of a person renting or buying housing because of their
Race or color
Religion
Sex
National origin
Familial status (such as having children)
Disability
A housing provider that discriminates against someone could be a landlord or a real estate management company. It could also be a lending institution like a bank or other organization that aids in the homebuying process.
The Fair Housing Act does not specifically prohibit discrimination based on sexual orientation or gender identity. But discrimination against someone who is lesbian, gay, bisexual, transgender, or queer (LGBTQ) may still be in violation of the Act or other state or local regulations. If you think you've been discriminated against based on sexual orientation or gender identity, file a complaint as described above.
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