How To Get Income Based Housing - Written by Zach Wichter Written by Zach WichterArrow Right Former mortgage broker, Homes Zach Wichter is a former mortgage lender at . He previously worked on the Business Desk at The New York Times where he won a Loeb Award for journalism, and covered aviation for The Points Guy. Connect with Zach Wichter on Twitter Twitter Zach Wichter
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How To Get Income Based Housing
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A Guide To Getting And Using Section 8 Housing Vouchers
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Apply For Affordable Housing
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Affordable Rental Housing
With millions of families at risk of homelessness this year, the Housing Choice Voucher program, known as Section 8, will be a lifeline for low-income families seeking affordable housing.
Finding the right place to live has long been a problem for low-income families in the United States, and the issue has only increased in the past year due to the financial crisis related to COVID. Many low-wage workers were forced out of the labor market as the economy weakened, making it harder for many to maintain rent.
While it's likely that the incoming Biden administration will extend deportation protections under the new coronavirus response plan, it will only be a stopgap measure rather than a solution to the low-income crisis.
In the meantime, Section 8 can be a great resource for those who qualify. But keep in mind that voucher availability is limited and demand is high, so it may be difficult to get quick help paying rent.
Families Wait Years For Housing Vouchers Due To Inadequate Funding
The Housing Choice Voucher program is a federal program that provides financial assistance to low-income families, seniors and people with disabilities. The program is administered by local housing authorities (PHAs) and recipients can use the money to support their rent in private housing.
Deborah Thrope, deputy director of the National Housing Law Program, said the key to Section 8 is that recipients can choose where to live instead of being limited to vacant housing projects.
"This is a very important program because it allows families to move to the place they want," he said. "Where you live, your zip code is one of the most important predictors of many aspects of your life, your health for example, your educational success."
Because Section 8 is administered by local housing authorities, the exact requirements and application procedures vary between counties.
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Thrope said there are more than 4,000 PHAs nationwide, so if you're interested in applying, it's important to first find out which agency covers your area.
According to the Department of Housing and Urban Development (HUD) there are certain minimum requirements that all Section 8 operators must follow. Vouchers are awarded to families with incomes that are 50 percent or less of the median income in their area. , and 75 percent of recipients from each PHA must have incomes below 30 percent of the area median.
Beyond those general guidelines, Thrope said, individual PHAs have a lot of flexibility in setting their own requirements, so it's a good idea to check with your local government for more details.
This means that recipients can apply the money to almost any home, as long as the home's PHA signs off. In general, recipients will not lose assistance even if they move. As a result, families who rely on Section 8 documents have greater ability to choose where they live compared to residents assigned to public housing.
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PHAs will pay your Section 8 assistance directly to your landlord when you are in approved housing, but you are responsible for paying the difference between your assistance and the market-rate rent in your home. In certain situations, you can also use Section 8 help to buy a home.
Local PHAs will reassess family income each year to ensure the subsidy is adequate. Agencies will also inspect each home using Section 8 funds annually, to ensure they meet minimum health and safety standards.
"It used to be estimated that one in four, but now it could be as close as one in five families eligible for a housing choice voucher will get one," Thrope said. "There aren't enough coupons to go around."
Families can be on voucher waiting lists for more than a decade in some areas, and in cities with special needs, waiting lists can be closed to new applicants.
Hcv Landlord Resources
"Families that otherwise wouldn't be eligible won't get one," Thrope said. In the San Francisco Bay Area, where she lives, the window for new applicants is often only open for a short time, and people often have to apply in person for a PHA.
"You see lines blocked for a long time because of the cost of getting one of these documents," he said.
If you live in an area with a high need for Section 8 and are not already on the waiting list, the program may not be a viable option if you are facing eviction.
Your options will also vary by where you live, but Thrope says you should definitely look into affordable or public housing in your area if you haven't already.
Landlord Responsibilities Under Section 8
For example, New York City occasionally opens low-cost casinos for detached units in new developments in the city. The Minneapolis Public Housing Authority has a special program to help homeless veterans find affordable housing. And San Francisco has a program to help low-income people with HIV find affordable housing.
"Do everything to keep your current residence because if you are evicted or forced to leave your current residence, you will have a hard time finding cheap housing," she said. "If you owe your landlord, contact your landlord."
There's no guarantee they won't evict you, but failure to pay rent is the most common reason for evictions in the United States, and if your landlord is willing to work with you to find an apartment to rent.
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