Subscribe

Is Public Housing An Option?

 The US Department of Housing and Urban Development (HUD) utilizes several programs to ensure housing for lower-income families. One of these programs is Public Housing. This program was designed to provide decent and safe rental homes for lower-income families, the elderly, and disabled persons. Find out below if you might qualify.

 

What is Public Housing?

affordable housingPublic Housing are housing units that range from single family homes to high-rise apartments for elderly families. 1.2 million families live in these dwellings, which are managed by Housing Authorities (HA). HUD provides Federal funding to these HAs, who then determine eligibility for families and develop and maintain these housing units.  Public Housing differs from Section 8 by offering existing housing. Section 8 provides qualified families with rental vouchers to locate safe and sanitary housing on their own, as long as that housing meets the requirements of the program. For more information on Section 8 follow the link below.

https://familyreliefservices.org/housing-resources/

 

What Types of Housing Are Available?

The type of housing depends on the local HA. Many HAs provide one to four bedroom homes. These homes may be scattered down a street or connected in the form of townhouses. Many units take the form of apartment complexes. Elderly housing and housing for disabled persons will accommodate any physical difficulties. Who is Eligible? Local HAs determine eligibility based on income. The three primary factors in determining eligibility are:

1) Annual Gross Income – Lower income means that your family’s income is at 80% of the median income for an area. Very low income is at 50% of the median income. The income limits vary from HA to HA, so some families may be eligible in one area but not in another.

2) Qualification as elderly, disabled, or as a family. You must meet one of these three categories in order to apply. Retirement benefits, property assets, IRAs and other assets are taken into consideration to determine eligibility.

3) US Citizen or immigration status. You must be a US citizen, legal resident, or legal immigrant to apply for Public Housing.

What is Needed for the Application Process?

You must file a written application through your local HA. They will collect the following information to determine eligibility:

1) Names, dates of birth, sex, and relationship to the head of household of all individuals who will be living in the housing unit.

2) Current address and telephone number

3) Family characteristics or circumstances that might help you qualify for tenant preferences. For example, living in substandard housing or veteran status may help in qualifying.

4) Names of your current and previous landlords

5) Estimate of your family’s income over the next twelve months

6) Names and addresses of employers, banks, and any other information that the HA might need to determine income

7) Prepare for the HA to potentially visit your current residence to judge the upkeep of your current home.

Will there be a lease?

If you are approved for housing, you will be required to sign a lease. You may also be required to submit a security deposit. This usually runs around $25. Once you are approved and sign a lease, you will be eligible for housing as long as you need it. The local HA will reassess your income status regularly.

 

How Much is Rent?

Rent is determined using the highest of the following:

1) 30% of monthly adjusted income (based on annual income with certain deductions accounted for

2) 10% of monthly income

3) Welfare rent, if applicable

4) $25 minimum rent set up by HA, potentially up to $50 Public Housing may be a viable option for many lower income families to find housing.

There is often a waiting list, but if your opportunities for financial improvement are limited, the waiting list may be worth it in the long run.

For more information, visit https://portal.hud.gov/hudportal/HUD?src=/topics/rental_assistance/phprog. If you need assistance with housing, this may provide you with an opportunity that will benefit you and your family.

Easy Formula for Grant Applications
Easy Formula for Grant Applications When you look forward to apply for a government grant, you will need to do a lot of research and make elaborate preparations. To give a kick start to your grant seeking process, fist you must understand the different types of grants...
Social Security Disability Benefits
Social Security Disability Benefits Sometimes in life, events occur that prevent people from working in order to make a living. Accidents occur and illness strikes at the most inopportune moments. The Social Security Administration may be able to help. They provide...
This is A Problem! She’s Had 12 Babies Without Ever Working.
Here is #13. She's Had 12 Babies Without Ever Working. We have all seen some Moms do some pretty unbelievable things, but this one really takes the cake. Cheryl Prudham is known by many as "the most shameless woman in Britain". Prudham is a mother of 12...
Increasing Literacy in Children
Increasing Literacy in Children Literacy is important. This is a fact that cannot be stressed enough. Often, arts and literature are tossed to the side to make way for additional funding in other areas, but learning to read lays the foundation for further education...
Social Security Benefits & Retirement
Though all Americans look forward to the day when they can kick back in a lawn chair and spend time working in their flower gardens, retirement comes with many burdens. A fixed income or access to a 401(k) may not be enough to supplement the lifestyle many seniors are...
Rental Assistance and Low Cost Apartments
Rental Assistance and Low Cost Apartments With todays economy fluctuating , many individuals and families are struggling to pay bills in a timely fashion, including their rent. The good news is that there are a variety of options available to anyone who is facing late...
Getting Your Share of Grant Money
Getting Your Share of Grant Money For low income families, making ends meet can be difficult at time. Just when you feel like you may be doing alright, an unexpected expense like car repairs or medical bills can wipe out any progress you've made. Fortunately,...
Government Grants Exposed
You and I have heard it all before, the man with the funny jacket on late night TV telling us that the United States government gives out over 30 Billion dollars in grants every year. And if we want any of that for ourselves, all we have to do is send him...
How The New Budget will Impact SNAP
How The New Budget will Impact SNAP  The Supplemental Nutrition Assistance Program (SNAP) assists lower-income families to purchase food in order to prevent hunger. The program also provides economic benefits to communities. The proposed budget for 2018...
Lifeline Assistance Program – Obama Phone
Lifeline Assistance Program - Obama Phone There is now a program out there that can even help with your cell phone. The special government program called Lifeline Assistance that offers a free phone and minutes to those who qualify. Getting on the list is not very...
Finding Employment with Job Searches
Finding Employment with Job Searches Sometimes, life hits Americans hard. With ups and downs in the economy, it may be difficult to maintain consistent employment over a long period of time. Fortunately, there are options to help find a new job or career. In the...
Which Student Loan Repayment Options Work for You?
Which Student Loan Repayment Options Work for You? The student loan process can be tricky and difficult to understand. Students often overlook the process from the beginning of college until graduation, never realizing the impact of the loans until payment become due...
Understanding Federal Grants (Part 2)
Understanding Federal Grants (Part 2) In the last issue we talked about how the federal grant system works and how you can make it work for you. In this issue we are going talk about exactly who's eligible to apply for federal grant money. The simple fact is that...
Government Assistance for Unemployment
Government Assistance for Unemployment Sometimes, life does not go as smoothly as planned. Fluctuations in the economy lead to periodic lay-offs. Sometimes, a company fails and workers find themselves out of work. Often, an employee and employer simply part ways after...
Things You Need to Know About Section 8 Assistance
Things You Need to Know About Section 8 Housing Some families might find a safe, decent and affordable housing as a big challenge to tackle. Majority of regions in the United States do not have rent control laws in place. Therefore some renters find affording a...
Run A Background Check When Applying for Jobs!
Run A Background Check When Applying for Jobs! Social media is everywhere in the air around us today. Hence it is natural for you to assume you can handpick and choose what you want your employees to see. Most people therefore imagine that once they clean up their...
Family Relief and Government Assistance
Family Relief and Government Assistance Let's begin with this. No One Is Guaranteed Government Assistance Just For Existing. That being said, Government aid can be very helpful to those enduring a financial struggle or hardship. It can also be beneficial for those...
Best Credit Cards for A Questionable Credit History
Best Credit Cards for A Questionable Credit History Life does not always work out as planned. Sometimes, a gap in employment leads to a few missed payments, and eviction, or a repossessed vehicle. These things happen to most people. In order build credit back up, a...
Understanding Federal Grants (Part 1)
Understanding Federal Grants (Part 1) Let me start off by asking you this question. How would you like free money that you will never have to pay back, from the federal government? Sounds great doesn't it? Well, the simple truth is that you can get it if the...
Public Assistance Study
Study Reveals that Families of Fast Food Workers Collect Nearly $7 Billion A Year in Public Assistance.  According to a new study conducted by the University of Illinois and the University of California-Berkeley, a overwhelming majority of fast food...

Family Picnic

Enter Your Email for Best Results

Due to the overwhelming response, please enter your name and email to ensure the proper search results.

You Are On Your Way!

Pin It on Pinterest

The More You Share. The More We Can Help!

Share these posts & pages with friends!