The Housing Choice Voucher program, still widely known as Section 8, is the federal government's largest rental assistance program. It helps very low-income families, older adults and people with disabilities afford decent housing in the private market. For seniors on a fixed income, a voucher can be the difference between staying in the community and losing a home.
How vouchers work
A voucher is issued by your local public housing agency (PHA). You find a rental unit whose landlord accepts vouchers and that passes a housing-quality inspection. You pay roughly 30% of your adjusted income toward rent and utilities; the PHA pays the rest directly to the landlord, up to a payment standard based on local rents. The voucher moves with you, so you can change apartments while keeping assistance.
Who qualifies
Eligibility is based on household income relative to the area median, family size, citizenship or eligible immigration status, and rental history. Federal rules require most vouchers to go to households at or below 30% of the area median income. Seniors are often given preference on waiting lists, and some PHAs have separate lists for elderly applicants.
Waiting lists
Demand far exceeds supply in most areas, and many PHAs open their waiting lists only occasionally. Ask your PHA how to be notified when the list opens, apply to every PHA whose area you would consider living in, and keep your contact details current so you are not skipped. Your local Area Agency on Aging can help you track openings.
Project-based assistance
Some buildings have subsidised units tied to the property rather than to a voucher. Applying directly to these developments, and to HUD's Section 202 senior housing, gives you additional chances. Our guide to Section 202 Supportive Housing explains that program.
Protecting yourself
There is never a fee to apply for a voucher or to be placed on a waiting list. Anyone who asks for money to move you up a list is running a scam. Deal only with your PHA or a HUD-approved housing counselling agency.
