(Section 8 Housing Q & A) Low Income Housing for Seniors & Housing for disabled

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How to Afford Senior Housing and Elder Care

The demand for affordable senior living options is high. According to the Joint Center for Housing Studies of Harvard University, the biggest expense of seniors is the costs associated with housing. This includes a mortgage or rental payment, along with utility expenses, maintenance, and repairs. Here are some facts to consider:
Thirty-seven percent of seniors over 80 years old are paying over 30 percent of their monthly income on housing. Unfortunately, that housing might not even meet their needs for accessibility, comfort, or safety.

What Is Affordable Senior Housing and Care?
If you are an older adult with limited mobility or chronic health issues who need medical aid or daily assistance, an assisted living facility is an option. However, assisted living is one of the more expensive types of senior living. This is due to the moderate or high level of care involved with senior services. If you require specialized care, such as memory care, dementia care, or diabetes care for seniors, then you will most likely pay a premium for this type of senior living. This brings up the next question concerning paying for assisted living for seniors.

What Are Some Affordable Senior Housing Options?
Back to budgeting for housing expenses, there are several options for affordable senior living.
Low-Income Senior Apartments and Condos
Seniors who are interested in low-income apartments and condos should check out the Good Samaritan Society. This is an evangelical Lutheran organization that provides religious housing for older adults on a budget. You would apply for budget-friendly senior apartments through the Good Samaritan Society branch in your area. The minimum age is as young as 50, which is beneficial for this age group of seniors. You do not have to be a member of a Lutheran church to use these services, but you will have to show proof of your income.

Section 8 HUD Housing for Seniors
HUD senior housing is a type of Section 8, which is government-controlled low-income housing. This type of senior housing may be available in apartments, condos, single-family homes, or townhomes. In order to be eligible, older adults must apply with a local housing authority. While there is almost always a long waiting list for HUD housing, older adults who meet certain qualifications may be provided with immediate housing. This includes being homeless or without a safe and sanitary place to live.

What is this program?
The Section 811 program allows persons with disabilities to live as independently as possible in the community by subsidizing rental housing opportunities which provide access to appropriate supportive services. Section 811 program is authorized to operate in two ways: by providing interest-free capital advances and operating subsidies to nonprofit developers of affordable housing for persons with disabilities and by providing project rental assistance to state housing agencies.

Who is eligible for this program?
For projects funded by capital advances and supported by project rental assistance contracts (PRACs), households must be very low-income (within 50 percent of the median income for the area) with at least one adult member with a disability (such as a physical or developmental disability or chronic mental illness).

For projects funded with Project Rental Assistance, residents must be extremely low-income (within 30 percent of the median income for the area) with at least one adult member with a disability.