Kari Lloyd
Qualify for Low Income Housing

In tough economic times, paying rent can be a struggle. However, did you know that there are government programs designed to help those who need low-income housing? People with lower incomes, senior citizens and people with disabilities may qualify for help from the U.S. Department of Housing and Urban Development (HUD), allowing them to get assistance or more affordable rental housing. Think it sounds complicated? It’s not. Just follow the steps below to find out what you qualify for.

Learn About the Programs

There are a variety of programs available to help those who need help with renting an apartment. Before you make any calls or send any emails or letters, do some research to see what you might qualify for. Visit the Housing and Community section of USA.gov’s site to uncover the programs you need to know about, as well as what your next steps should be.


Contact the HUD Office of Housing Counseling

Feeling a little lost? You’re not alone. That’s why the U.S. Department of Housing and Urban Development (HUD) provides you with counseling assistance so you can navigate the programs you may be entitled to. These advisors can provide advice on renting, defaults and credit issues for renters, making the process a lot easier. Go to their site and select your state for more information.

Discuss the Programs You Might Qualify For

When it comes to affordable housing for renters, there are three main programs you can qualify for:

Privately Owned
These are owned by landlords who work with the government to offer reduced rents to lower income tenants. You can easily search for an apartment that offers low-income housing by visiting Apartment Guide’s site and entering your desired location and maximum rent. Then click More and then More Options. You can select Income Restricted under Community Features.

Public Housing
Public housing is state-owned, meaning the government sets the rental rates to assist those in a lower-income bracket. Tenants who get preferred status include low-income families, the elderly and those with disabilities. In order to qualify for this type of rental housing, you will need to contact the public housing agency for your state.

Housing Choice Voucher Program
This particular program offers less assistance in finding the property you want to rent. Instead, you find the apartment you want to rent and are issued a voucher to pay for all or part of the rent. In order to take advantage of this program, you’ll need to contact the public housing agency in your state.

What If I Can’t Get Through to My Public Housing Agency?

With today’s economy, it’s not unusual to experience long hold times or periods of waiting when you want to discuss your opportunities to take part in housing programs. If you have continued problems reaching your local public housing agency, contact your local HUD field office who will be happy to assist you.

Do you have experience with applying or using low-income housing programs? We’d like to hear from you! Let us know below!



About The Author

Kari Lloyd has been a freelance writer for over 15 years. A Chicago native and recent transplant to Atlanta, Kari spent 10 years living in London, UK where she worked as a music journalist and restaurant reviewer.