I need affordable housing
Section 8, public housing, and income-restricted apartments can make rent manageable — but the process is confusing and the lists are long. Here's how it all works, from applying to keeping your assistance.
Your reading path
- 1Section 8, public housing, and LIHTC apartments: the three kinds of affordable housing, explainedThere are three main types of government-supported affordable housing in the U.S. — Section 8 vouchers, public housing, and LIHTC apartments — and each one works differently, so knowing the difference helps you apply in the right places.
- 2How Section 8 housing vouchers workA Section 8 Housing Choice Voucher helps you pay rent on a home you choose in the private market — you generally pay about 30% of your income and the program covers the rest.
- 3Do I qualify for a housing voucher? Income limits and household size, explainedHousing vouchers help low-income households pay rent, but you have to meet income and household-size rules set by your local area. This guide breaks down how those limits work and what steps you can take right now.
- 4How to find your local Public Housing Authority (and what to ask when you call)A Public Housing Authority (PHA) is your local gateway to affordable housing programs like Section 8 vouchers and public housing. Knowing how to find yours — and what to ask — can save you time and frustration.
- 5How to apply for Section 8, step by stepSection 8 Housing Choice Vouchers help low-income renters pay for housing in the private market. Here is a step-by-step look at how to apply, what to expect, and how to stay ready while you wait.
- 6Housing waitlists: why they close, how to find open ones, and how to stay on themMost Section 8 and public housing waitlists are closed or very long, but some local lists do open up. This guide explains how these waitlists work, where to find open ones, and how to protect your spot once you're on a list.
- 7You got a housing voucher, now what? Finding a landlord who accepts Section 8Getting a housing voucher is a big step, but you have a limited time to find a landlord who accepts it. This guide walks you through how to search, what to say, and your rights.
- 8How your rent is calculated with a Section 8 voucherWith a Section 8 housing choice voucher, you typically pay about 30% of your adjusted monthly income toward rent and utilities. Understanding how payment standards, utility allowances, and the 40% rule work can help you find a unit that fits your budget.
- 9Section 8 inspections: what a unit must pass and what happens if it failsBefore the Housing Choice Voucher (Section 8) program pays rent, the home must pass a Housing Quality Standards (HQS) inspection. This guide explains what inspectors check, what happens when something fails, and how you can protect your housing.
- 10Annual recertification for housing assistance: what to report and whenIf you receive housing assistance in the United States, your program is reviewed every year to make sure your information is still accurate. Knowing what to report and when can help you keep your benefits and avoid losing your housing.
- 11Can you move with a Section 8 voucher? Porting to another city or stateIf you have a Housing Choice Voucher (Section 8), you may be able to take it with you when you move to a new city or state. This guide explains how voucher portability works, what steps to take, and what to watch out for.
- 12Other ways to lower your housing costs: LIHTC, HUD senior and disability housing, USDA rural rentalsBeyond housing vouchers, there are other programs that may help you find affordable rental housing — including income-restricted apartments, HUD programs for seniors and people with disabilities, and USDA help for rural renters. This guide explains each one and shows you how to start looking.
- 13From renting to owning: Family Self-Sufficiency and Section 8 homeownershipSome Section 8 voucher holders may be able to join a savings program called Family Self-Sufficiency and, in some areas, even use their voucher to buy a home instead of rent. This guide explains how both options work and what steps you can take to explore them.
- 14How to get emergency rental and eviction helpIf you're behind on rent or facing eviction, emergency rental assistance and local programs may be able to cover back rent and help you stay housed — but acting early makes a big difference.
- 15How to get help with a depositComing up with a security deposit can feel impossible when money is tight. These programs and strategies can help cover move-in costs so you can get into a stable home.
Related questions
Common questions people ask along this path.
Can I apply for all three types of affordable housing at the same time?
Yes, and it is usually a good idea to do so. Section 8, public housing, and LIHTC apartments each have separate applications and separate waitlists. Applying to all of them at once gives you more chances of finding housing sooner. Just make sure to keep your contact information updated with each program.
How do I find out if the Section 8 waitlist in my area is open?
Contact your local Public Housing Authority (PHA) directly — by phone, in person, or through their website. You can find your local PHA using the search tool at HUD.gov. Waitlist status changes over time, so it is worth checking back regularly even if the list is closed right now.
What is the difference between a Section 8 voucher and a public housing unit?
A Section 8 voucher lets you rent an apartment from a private landlord who agrees to accept it, and you choose where you want to live within the program's rules. A public housing unit is an apartment owned and managed by your local government housing authority, and you live in one of their buildings. Both programs base your rent on your income, but they work through very different systems.
Do LIHTC apartments require me to go through my local housing authority?
No. LIHTC apartment buildings are privately owned and managed, so you apply directly to the building or property management company — not through your local PHA. Each building has its own income limits, application process, and availability. Searching online for 'income-restricted apartments' or 'affordable apartments' in your city is a good place to start.
What happens if my income changes after I am approved for affordable housing?
Most affordable housing programs require you to report changes in your income and household size. In Section 8 and public housing, your rent is often recalculated when your income changes, which can work in your favor if your income drops. Always notify your housing authority or property manager when your financial situation changes to stay in compliance with your lease and program rules.
How long is the Section 8 waiting list?
It depends heavily on your area — some lists move in months, others can take years, and some open only during limited windows. Applying early and to more than one Public Housing Authority (where allowed) gives you the best chance.
How much rent will I pay with a voucher?
You'll generally pay about 30% of your household's monthly income toward rent and utilities, and the voucher covers the rest up to a local limit. Your exact share is calculated by the housing authority based on your income.
Can a landlord refuse a Section 8 voucher?
In many states and cities, landlords cannot reject you just because you use a voucher — this is called 'source of income' protection. Rules vary by location, so ask your housing authority or a legal aid office what applies where you live.
How do I find the income limit for my household size and city?
Income limits are set by HUD each year and vary by location and household size, so there is no single number that applies everywhere. The most reliable way to get your area's current limits is to contact your local PHA directly or look them up on HUD.gov. Limits from older websites or brochures may be out of date, so always verify with a current official source.
Does everyone in my household have to be a U.S. citizen to apply?
No — at least one household member must be a U.S. citizen or have eligible immigration status, but not everyone in the home must qualify. Households with mixed status may still be able to apply, though assistance is typically calculated only for the eligible members. Talk to your local PHA about your specific situation, since rules can vary.
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