What You Should Know About Section 8 Housing

What is Section 8 and how does it work?

Section 8 Housing is a type of government rent assistance program that has been ongoing for several years. In 2018, approximately 5 million people in the United States lived in a household that used a voucher to help pay some or all of their rent. The goal of Section 8 (Housing and Community Development Act) established in 1974, was to ensure that people earning low wages could find “decent housing and a suitable living environment” outside of public housing units.

People who meet the income requirements can apply for a voucher through the program when they become available. If they are approved, selected, and then find an apartment or house to live in with the voucher, their local housing authority will begin sending payments directly to landlords.

The payments cover a portion or all of the rent for the voucher holder, with the holder required to spend about 40% of their income on the rent.

To obtain Section 8 housing, you must first apply for a voucher and before you do that, you should be aware of the following:

• Where you want to live: Section 8 regulations vary by local housing authority. Decide where you want to live and then contact the local housing authorities in charge of those areas. A list of all housing authorities can be found here. Remember that you can apply to housing authorities even if you don’t live in the town. You can’t find the town you’re looking for? Look for a local or state housing authority.
• How much money you and your household make: The program is only available to people who earn a certain amount of money in comparison to the area. Examine the income requirements set by the housing authority. Then, use the Department of Housing and Urban Development’s online tool to determine whether you — and the people with whom you live — fall into that category.
• Immigration status for you and everyone with whom you will be living: To apply for a voucher, at least one person in your household must have legal documentation to be in the United States.
• Criminal records of you and everyone you’ll be living with: Background checks are performed by all housing authorities, but each has its own set of rules. If you have a felony or are on parole, you may be eligible for housing. Inquire with the specific housing authorities by phone or email to see if you are still eligible.

The Section 8 programs, when combined, are the largest direct housing assistance programs for low-income families and have helped a large number of families secure proper homes. They represent a significant commitment of federal resources, with a combined budget over $27 billion. This dedication has resulted in some successes. Through the program, more than three million families have been able to obtain safe and decent housing at a cost that is considered affordable to the family. The program has indeed been edifying.