One: Learn About HUD
If you have not already done so, it’s a real good idea to learn a little about How HUD Apartments Work
Two: Start Searching
Three: Find Everything
If you select to see ALL resources you will be shown a mix of different options:
🌸 Elderly and disability HUD apartments – These are often very affordable and very nice. If a house is marked elderly, be sure to call and ask if they also accept younger people who have a disability. They very often do.
🌸 Multifamily HUD apartments – These are a mix. Some are good but some are not as clean and safe. The way the HUD site is set up, it’s very difficult to tell the difference between the elderly housing and the multi-family housing. You may have to call and ask.
🌸 Low Income Tax Credit apartments – These are often (but not always). Despite the name, some of them are not for actual low income. Some are cheap and some are pricier.
🌸 Group Homes – These are houses where people with disabilities live together and some care may be provided. They are often geared towards mental health or developmental disabilities.
🌸 Housing Agencies – These are local resources where you can call or visit their website to ask what other housing programs they have available.
Four: Broaden Your Horizons
🌸 You may have greater success if you search widely.
🌸 You can press the “plus” or “minus” button to zoom in and out on the map.
🌸 You may find it worth relocating if you find a great HUD apartment.
🌸 Some HUD apartments are clean, safe, quiet, well-maintained and have VERY low rent. If you find a place like this, it may be worth relocating.
Five: Start Calling
🌸 Start making calls! Be persistent! You may have to call back 5 times before someone answers the phone. You can also try leaving a message and see if someone calls you back. Sometimes they do.
🌸 You can also try to inquire by email. Many HUD apartments have emails that you can find by doing a Google search online. Sometimes this works, sometimes not.
Six: Inquire About Rent
🌸 Rent will vary. In HUD apartments, rent will be 30% of your income. If your disability check is $900, your rent will be $300. Live-in aides live for free.
🌸 Even though this is the HUD map, not everything listed is a HUD apartment! Some charge higher rents. If you are looking for an apartment that charges 30%, be sure to keep calling and ask everywhere.
🌸 Apply for as many waiting lists as you can.
🌸 It’s a great idea to take a few minutes to learn the rent regs. In some cases, certain regs can mean lower rent.
🌸 Some may require that you apply in person. If you are unable to do this, you can request a disability accommodation.
Seven: Keep Looking
🌸 HUD apartments are one great housing option. But there are lots of other good options out there too! Check out USDA housing, Section 8, intentional communities and a bunch more options here: Lots more housing options
Eight: The Wait
🌸 After you apply, call to confirm your application was received and you are now on the waiting list.
🌸 If you move, make sure to give them your new address.
🌸 It’s a good idea to call periodically to make sure they have your correct contact info and you are still on the list.
🌸 Some HUD apartments have no wait list and are available immediately. Others are 3+ years. If you apply several places, your chances will be better.
🌸 Be patient. In time you will find something great!!!