There are a lot of housing opportunities out there for people who are low-income or living on disability. Some of them are not easy to find.
You may have to be creative and open-minded and willing to think outside the box. You may have to wait some time, travel some distance, be patient or be persistent.
You do not need to be on disability for most of the options on this page. Even the housing designated for people with disabilities may be able to accept you with a doctor’s letter.
Many housing programs for seniors will also allow younger people with disabilities, if you call and ask.
Most good housing programs have waiting lists (usually somewhere between 1 and 10 years). If you are willing to relocate, you may find something with a shorter waiting list, or even no waiting list at all. If you need to stay in your local area, you can get on waiting lists now to give yourself more options for the future.
Keep at it. There is a good home out there for you.
Cheap & Good #1
Many people find that Section 8 Housing Vouchers are the cheapest and best housing program. You do not need to live in a specific building. In some cases, you can be on a housing voucher and live wherever you want. Waiting lists are long, so if get on one now, it will help you in the future. While waiting, try applying for some of the other options on this page, which may be much faster. If the wait list is closed, don’t give up! Check out: how to get on Section 8 Waiting List when the wait list is closed
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HUD apartments can be very nice, safe, comfortable and super cheap. Of course, they are not all nice. Especially look for housing dedicated to people who are elderly or disabled – these are often the nicest ones. If it marked for seniors only, call and ask if they will accept a younger person with disabilities. HUD also has a great map that will show you a bunch of housing resources in your area. Here’s how to use the HUD map to find housing.
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Low Income Tax Credit housing offers a variety of housing options. Some are dedicated to seniors or people with disabilities and some are open to all. Some of these apartments are inexpensive and some are so pricey that we wonder what they think “low income” means. The quality of apartments varies, and some (but not all) are quite nice. Use the HUD map above to locate these.
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Public housing is also supposed to be cheap. No promises on the good part. Once again, look for housing projects dedicated to elderly or disabled. These are often the nicer ones. Housing that is not for elderly or disabled may be called “multi-family housing” and may or may not be nice. Please visit and research carefully.
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USDA Rural Development has apartments available for people who are low-income and wish to live in rural areas. Readers report that some are nice, safe, clean, and affordable.
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Volunteers of America offers affordable housing apartments in various locations. We’ve heard from someone who used to work there that the housing is clean, safe, and well-maintained.
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ArtSpace has 30 buildings for artists across the country. These centers offer low-rent living spaces and studios for low-income artists. Rents vary by location.
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Mercy housing is a nonprofit organization that provides affordable housing in more than twenty states.
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Contact your county housing authority (not every county has one). Or look on their website. Inquire if they offer reduced rent housing for people who are low income. Be sure to inquire if there are any wait lists you can apply for, or when they anticipates the wait lists will open up so you can apply.
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Ditto for your state housing authority. They may offer different programs than the county does.
Ditto for your city housing authority, or whatever city is nearest to you.
Ditto for every other housing authority in your state. Some housing programs are so good and so nice and so cheap it is worth moving for.
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Many communities have nonprofit programs that help low-income families buy or rent houses. Dial 2-1-1 on your phone and ask what is available.
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You do not have to be living on the streets to be considered homeless. Many programs will consider that you meet the definition if you do not have a fixed living space, or you are sleeping somewhere not normally used for sleeping, or you are in some kind of treatment facility or other facility and you are going to be released, or if you are under threat of eviction. Contact homeless resources centers in your area, plus statewide programs. They may have various housing options available. Also: whenever you speak to any program on this list, be sure to tell them you are homeless or in danger of homelessness and ask if they have. priority for homelessness or know any programs that do. Be sure to ask if any of them know of programs for housing vouchers so you can get on the waiting lists.
Cheap & Good #13
If you have a mental health diagnosis and history of homelessness, many Supportive Housing programs are great! Try contacting homeless resource programs in your area. Also, try Googling the name of your state or city and the words “Supportive Housing” or “Supported Housing.”
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Quality will vary. If you are unable to care for yourself and out of options and need somewhere to live, Medicaid has some options. You do not need to be on Medicaid right now to apply, and you may be able to get in even if you have too much money for Medicaid.
In some states Medicaid will pay for Adult Care Homes – These may be small private homes where 2-5 people live and food and care is provided for people with disabilities. Here is an example of Adult Family Care Homes in Florida.
In some states, Medicaid will pay for Assisted Living. Assisted living are often small apartments that provide some help for people who cannot care for themselves but do not need 24-hour nursing home care. You do not need to be on Medicaid now to qualify.
For people with developmental disabilities, please look into Medicaid waiver programs in your state. The waiting lists are long, but they can provide housing plus many other support services.
If you need 24-hour care, Medicaid provides nursing home care in every state. You do not need to be on Medicaid right now. Some private homes set aside a certain number of “Medicaid beds” and these will often be nicer.
If you are in a Medicaid-funded residence, the program may keep all or nearly-all of your disability check. If you want to avoid this, you can research Medicaid Planning.
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If you can’t care for yourself and wish to avoid going to a nursing home, look into Medicaid programs that can provide care in your home: How to Get a Caregiver
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If you are currently in a nursing home or assisted living, and wish to be back in the community, many states have Medicaid waiver programs that will help you with the transition. These programs can provide a home aide to help care for you in your home. In some cases, they will also pay your first months rent and deposit. Contact your local Area Agency on Aging.
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Actually, cheap and GREAT. If you are community minded, there are many groovy, interesting, creative communities out there of every size, shape and flavor – including eco-villages, communes, land trusts, cooperative houses, collective farms, spiritual communities, and many more. Learn more about Intentional Communities.
Cheap & Good #19
Most people on disability don’t live alone. Unless you are in a really good housing program, it’s usually just not realistic. I’ve had good success living with housemates and have met some wonderful this way. I find it takes some time and care to find the right people who are really a good match. How to Find Wonderful Housemates & Caregivers
How to Have a Successful Housing Search
There are a bunch of things you can do to make your housing search go even better. Check out: Housing Tips For Spoonies
More Housing Resources
There are several Facebook groups for people seeking Spoonie roommates: here’s one for CFS/ME/Lyme/Fibro and Invisible Illnesses, here’s one for Environmental Illness and here’s another one for Environmental Illness and here’s one for Lyme Disease.
This is the Facebook page for DFEND, is a new nonprofit group with a goal of creating housing where patients with ME and other chronic illnesses could live in non-toxic, quiet, healing environments.