Affordable housing programs

Access to affordable housing (which in government language means you are not paying more than 30% of your gross income on your mortgage or rent) is important. There are a number of different government programs that may be able to help you if you have a low income. The most common one is a Housing Voucher or Section 8. Application for these vouchers is made through the local areas Public Housing Authority (PHA). Many PHAs have waiting lists and some are not taking applications for these vouchers due to lack of availability.

There are also apartments that are funded through a mix of government grants and private lenders. In order to receive public funds the landlord has to agree to rent a number of apartments that have the rent amount determined by the amount of your gross income. This is called project based or subsidized housing. This housing can be limited based on whether you are elderly, disabled, mentally ill or a family.

Homeownership is one great way to obtain permanent affordable housing. There are many programs throughout the area that can help you.

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