How to Find a Real Nice Real Cheap Place to Live Through HUD

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Artwork: Robin Mead

For people with disabilities and chronic illnesses, many HUD houses offer apartments for rent that are cheap, safe, clean, and well maintained. HUD housing can be worth waiting for and worth moving for. Here’s how to find a good one.

WHERE DO I FIND AND AN APARTMENT?

Here’s a bunch of tips on how to do a search to find great HUD houses.

HOW DO I APPLY FOR AN APARTMENT?

This link above also includes a few important things to know about how to apply.

HOW MUCH IS THE RENT?

The rent regulations are different in different HUD apartments. Most often, rent is 30% of the household income. For example, if you live alone and your disability check is $1,000 per month, then your rent will be $300.

There are certain regulations that can lower someone’s rent to be less than 30%. Please take a look at How to Calculate Rent in HUD Housing

WHAT IF I HAVE A HOME AIDE?

A home aide can live with you for free. Please take a look at the link above to learn more about how to calculate rent if living with a home aide.

WHERE IS IT LOCATED?

HUD houses are everywhere in the US.

ARE THEY SAFE? ARE THEY NICE?

The HUD apartments designated for “disability” or “elderly” are often safe, clean, quiet and located in nice residential neighborhoods. They are generally one-bedroom apartments or efficiencies. Some buildings have a small amount of 2-bedrooms.

You do not need to be on disability to qualify for disability housing. Your doctor can sign a letter verifying your disability. You also do not need to be that old – many HUD houses are 55+.

The HUD apartments that are not designated elderly or disabled are a mix. Some are nice, many are general public housing projects, which may not be as nice, well-maintained or safe.

WHAT IF I’M NOT A SENIOR?

Call all the HUD apartments marked as “elderly” and ask if they will accept a younger person with dis abilities. The answer is often yes.

HOW BIG ARE THEY?

Usually between ten and one hundred apartments. Most apartments are one bedrooms or efficiencies, though some buildings have larger apartments.

IS THIS THE SAME AS SECTION 8 HOUSING VOUCHERS?

Housing Vouchers are a different program also run by HUD. Housing Vouchers are also a really great program. Look here if you want to find out more about Section 8 Vouchers.

The main difference is that HUD apartments are located in specific buildings. This is sometimes called “project-based section 8.” Housing Vouchers can be used anywhere…. as long as you can convince the landlord to accept the voucher.

The other big difference is that it is generally easy to get on a HUD apartment waiting list. Housing Voucher waiting lists are often closed and you have to be much more persistent.

HOW LONG IS THE WAITING LIST?

For HUD Apartments, the shortest we have seen is one week. Longest we have seen is 5+ years.

For Housing Vouchers, the shortest we have seen is 6 months. The longest we have seen is 20+ years.

Some areas have special Housing Vouchers or special priorities for people who are homeless. Sometimes these have no waiting list.

Call everywhere!! Eventually you will find some places that have shorter lists. Get on as many waiting lists as you can. You can always start living at one HUD apartment and then upgrade to a better one when your name comes to the top of the list.

Try looking in surrounding counties, cities, or even other states. If you restrict yourself to just one small area you may find it difficult or impossible to find housing, or the wait list may be very long.

DO THEY RUN BACKGROUND CHECKS?

It depends on the landlord. Some landlords require background checks and credit checks. Some will not care if you have medical debt and may only be looking to see that you don’t owe money to past landlords. Some will only care about certain types of felonies and may not care about other crimes. Some may not run background and credit checks at all.

WHO OWNS AND RUNS THE HUD APARTMENTS?

They are usually run by private landlords or property management agencies.

WHAT IF I HAVE ASSETS?

You are allowed to have assets. They will count a small portion of your assets as income. Unless you are really rich, it usually will not make an enormous difference in your rent.

DO THEY ACCEPT PETS?

Some accept pets and some do not.

All apartments will accept emotional support animals and/or service animals for people with disabilities. An emotional support animal requires a letter from your doctor. A service animal requires training plus a letter from your doctor. There are many online sites with information on support animals. Don’t be fooled by sites that tell you to pay them money to “certify” your animal. There is no legal certification process for support and service animals.

WHAT IF I NEED TWO BEDROOMS?

If you need two bedrooms, you can apply to be on the waiting list for a two bedroom.  You can get on both waiting lists for one and two bedrooms at the same time.

Your rent will be the same for a one bedroom or a two bedroom.

Medical reasons – If you live alone and need a second bedroom for medical reasons, your doctor will need to document this. Your rent will not change.

Live In Aide – If you live alone and need a second bedroom for a live-in aide, your doctor will need to document this. Your rent will not change.

Other Household Members – If you live with other people and need a second bedroom to accommodate others, you can apply for a two bedroom. You will need to check with the building to see what type of living arrangements they allow. HUD will count 30% of income from all people who live there. The size of the apartment does not affect the rent. Different HUD programs have different rules for what they consider “Family”.

TIPS FROM READERS

“In both HUD and USDA projects all costs associated with your service or emotional support animal and medical expenses, along with income, are used to determine your monthly rent.” – Lisa Davis

“Some HUD housing programs are for people experiencing homelessness. Many people don’t realize they meet HUD’s definition of homelessness. If you are in a housing situation that is expected to last less than 10 days, or doubled up (couch surfing) you may meet HUD’s definition of homelessness, which opens up more options for housing. Many people erroneously think you have to be out on the streets or in a shelter to be considered homeless.” – Pansy

More Housing Options

How to Find Housing that is Both Cheap & Good


If you know more about HUD housing, please share your ideas, tips, and experiences below.

 

2 thoughts on “How to Find a Real Nice Real Cheap Place to Live Through HUD”

  1. Why wont hud let my son move back in with me? Im disabled and 55 . My monthly income is 913.00. I live in my family 3 bedroom apt for 14 years. both my boys left to marry and go in to the air force . My capp and being grandfathered in at my tax based hud apt. let me stay after they moved out. now i need them. im not disabled enough to qualify for a aide. at least for now. When my oldest son got out of the air force, hud told me he can stay for 10 days and go to a homeless shelter. My son decided to stay in Colorado with his air force buddies and get a place, He said what the point in coming home. I haven’t seen him in 5 years. My youngest 24 got married 4 years ago is now divorced, is working and homeless.(stay on friends couch) hud wont let him come home. I have no other family im brokenhearted. Now to make matters worse Hud informed me i have reached the top of my capp and need to move to a smaller unit. with rent for a 1 bedroom starting at 900 a month and a less than 1% vacancy rate im freaking out. Ive been so stressed ive had to go back on my anti anziaty meds and anti depressants. This is the stupidest ruling on the books. I can have a lover, a friend, a stranger or an aide move in no problem but my only living relative cant! if i cant find a unit and end up in the streets i will end my life. im too old and in too much physical pain to be in the streets. My hud was a god sent and i appreciated it so very much but now it torn my family apart and is causing so much fear and distress. I know this will fall on deaf ears and maybe it will do no good but to relieve some of my pain just typing it out.

    Liked by 1 person

    1. I’m sorry you are going through this.

      I am not an expert, but I believe an adult child can move into a HUD apartment if the child is acting as a live-in aide for a person with disabilities.

      Have you looked into whether you qualify for a live-in aide for HUD? The rules for HUD are different than for other programs. Even if you don’t qualify for an aide through medicaid, you may qualify through HUD. Medicaid requirements are totally different and much more strict.

      Maybe talk to your doc and see if they feel you need a live-in aide because of your disabilities. If your doc says yes, then you can contact HUD and get a form for your doc to fill out. this might also allow you to stay in your current apartment.

      hope this helps ❤

      hud regs on adult children and live in aides:
      https://www.hud.gov/sites/documents/DOC_35645.PDF

      Like

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