If you’ve ever heard the term HUD housing, you may be wondering what it is and if it applies to you. The United States Department of Housing and Urban Development (HUD) has established a public housing program that makes it possible for low-income families to find safe and affordable housing.
Here are five answers to common questions about HUD housing.
5 Questions and Answers About HUD Housing
What is HUD Housing?
The type of housing units available through this program vary from single-family homes to apartments for seniors.
Income limits are established to ensure that only those individuals and families that really need help get assistance.
Housing agencies (HA) manage the homes for individuals and families through funds provided by HUD.
There are specific HUD screening criteria to verify if an individual qualifies for HUD housing.
Who Qualifies for HUD Housing?
There are typically three criteria to determine your eligibility for HUD housing:
Annual gross income
Citizenship status (i.e., U.S. citizen or eligible non-citizen)
Personal status (disabled, elderly or family)
In addition to these three measures, HAs will contact your references to see if you would be a good fit for their particular housing project.
The income limits will also vary depending on where you want to live.
The income limits range from 80% to 50% of the median income for your desired location.
How Does the Program Work?
The first step is to contact the local public housing agency.
The next step is to complete an application.
This application will ask for personal information, such as family composition, income, and bank accounts.
The final step is to make an appointment and provide all the required documents.
You’ll need a photo ID, birth certificates, and tax returns.
The HA will also verify employment.
What is the Selection Process?
It is possible for each HA to have a selection preference.
This makes it possible for them to grant housing to those individuals or families with the greatest need.
The amount of people applying for HUD housing often exceeds availability; thus, the waiting period can be long.
The HA may even close the waiting list if the amount of families on it exceeds future availability.
Is There a Time Limit for HUD Housing?
Some people wonder if there is a limit as to how long an individual or family can stay in HUD housing.
Generally speaking, people can stay in HUD housing if they meet the lease requirements.
Rising income and changing family circumstances may necessitate a family leaving public housing.
HUD housing is a great option for individuals or families with low incomes.
Check with your local housing agency to get more information.