Section 8 Housing
Section 8 Housing: A Complete Guide
Section 8 Qualify provides an unbiased look at Section 8 benefits, costs and information. Learn if you are eligible and how to apply.
Use the quick links up top or scroll down to read more and you can decide for yourself if you should apply to Section 8 housing. All types of benefits are discussed. Any more questions Please feel free to contact us.
What is Section 8 housing?
The Section 8 program is a government run housing program that provides affordable living choices for very low-income households. This assistance comes in the form of rental subsidies, limiting the monthly rent payment of the assistance recipient. This works by allowing families to find their own private housing instead of living in government run rental housing. Families who participate in the program must abide by a series of rules and regulations, often referred to as “family obligations,” in order to maintain their voucher, including accurately reporting to the PHA all changes in household income and/or family composition so the amount of their subsidy (and the applicable rental unit size limitation) can be updated accordingly. In recent years, the HUD Office of the Inspector General has spent more time and money on fraud detection and prevention.
How much will I pay?
The public housing authority (PHA) generally pays the landlord the difference between 30 percent of household income and the PHA-determined payment standard (about 80 to 100 percent of the fair market rent) Your rent payment is based on your income. The voucher will pay anything above 30% of your adjusted monthly income up to an established limit. For example, if you earn $1,500 per month and the home you want rents for $800 per month, you would pay $450 and the voucher would cover the difference of $350 as long as the Fair Market Rent for your area is equal to or greater than $800. The PHA will pay the landlord the remainder of the rent over the agreed upon tenant’s portion, subject to the FMR cap. The household may choose a unit with a higher rent than the FMR and pay the landlord the difference or choose a lower cost unit and keep the difference.
Am I Eligible?
To qualify for Section 8 you must be a low-income person (below 50% of the Area Median Income) and be able to provide proof of income. To determine what the income limits are in your area check with your local Public Housing Authority.
How do I apply?
Section 8 is a Federal program administered nationally by the Department of Housing and Urban Development (HUD). However, the program is administered locally by public housing authorities or other designated agencies and organizations. If you are interested in applying for a voucher, contact the local PHA. For further assistance, please contact the HUD Office nearest to you.
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Tags: HUD Homes
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