Understanding Section 8 Housing: Key Information
Everything you need to know about Section 8 housing - including eligibility, type of housing options, and the application process. Discover the facts and key information on Section 8 housing in this comprehensive guide.
Understanding Section 8: Key Information
Section 8 housing is a federal housing assistance program that provides vouchers to low-income families and individuals to help pay their rent. It is administered by local public housing agencies (PHAs) through subsidies from the Department of Housing and Urban Development (HUD).
The Section 8 program allows eligible low-income families and individuals to pay a portion of their rent (based on their income) and the government pays the remaining portion. This helps them stay in their current housing situation and off the streets. To qualify for the Section 8 program, applicants must meet certain criteria.
What Are The Eligibility Requirements?
In order to be eligible for the Section 8 program, applicants must meet the following criteria:
- Be a US citizen or non-citizen with eligible immigration status
- Have an income that is at least 50% lower than the median income of the area they live in
- Pass a criminal background check
- Have no history of failing to pay rent (if you have had issues paying rent in the past, you must provide documentation to show that any negative rental history is no longer an issue)
Income requirements vary depending on the area and cannot exceed 80% of the median area income. As such, applicants must provide proof of income when applying for the Section 8 program.
What Is The Application Process?
The application process begins with the completion of the Section 8 application. This can be done online or in-person at your local PHA office. Once the application is submitted, it is reviewed by the PHA staff and then forwarded to HUD for final approval. The application must contain all of the necessary documents and information to be approved.
What Happens After Approval?
Once approved, you will receive a voucher in the mail which will entitle you to a subsidy for a certain amount of rent. It is important to note that the voucher will only cover the cost of monthly rent that does not exceed the maximum limit approved by HUD. Applicants must find a home that is approved by the PHA and in accordance with all Section 8 regulations and standards.
It is also important to note that you can still apply for Section 8 assistance even if you already have a home. The voucher amount can be used to help pay the current mortgage or rent.
What Types of Housing Are Available?
The types of housing available through Section 8 are generally private rental units, including apartments, duplexes, townhomes, and single-family homes. All units must meet the minimum housing quality standards. Public housing may be available in some areas, as well.
Section 8 housing is designed to help struggling families and individuals maintain housing and keep them off the streets. By understanding the eligibility requirements, application process, and types of housing available, you can make informed decisions about how best to take advantage of the Section 8 program.