{"id":355754,"date":"2016-04-04T10:45:23","date_gmt":"2016-04-04T15:45:23","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/elder\/elder-care-law\/elderly-rental-assistance-programs.html"},"modified":"2026-06-30T07:48:00","modified_gmt":"2026-06-30T12:48:00","slug":"elderly-rental-assistance-programs","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/elder\/elder-care-law\/elderly-rental-assistance-programs.html","title":{"rendered":"Older Adult Rental Assistance Programs"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n<div class=\"fl-page-articles fl-section-main fl-section-main-full-width\"><h1 class=\"fl-no-margin-top\">Older Adult Rental Assistance Programs<\/h1>\n\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/olivia-wathne-jd\/\">Olivia Wathne, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/melissa-bender-esq\/\">Melissa Bender, Esq.<\/a>\n                | Last updated\n        <time>\n                            June 30, 2026\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n\n\n<div class=\"fl-key-takeaways fl-mb30\" data-testid=\"fl-key-takeaways\">\n    <div class=\"fl-card-content\">\n        <div class=\"fl-card-body fl-card-bg-teal fl-flex fl-flex-column\">\n                            <h2 class=\"fl-card-title fl-h2 fl-no-margin\">Key Takeaways<\/h2>\n                        <p>Older adults can access federal rental assistance through HUD programs like public housing, Housing Choice Vouchers, and Section 202. Several states also offer short\u2011term rent relief, updated senior\u2011benefit portals, and clearer pathways for supportive\u2011housing services. Availability varies by location, so older adults should check with their local PHA or state agency for current programs.<\/p>\n<div><\/div>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<p>Getting adequate and affordable housing is a major concern for older adults. Older adults often have limited incomes, reduced mobility, and higher healthcare expenses.\u00a0<\/p>\n<p>Adequate housing for older adults should, at least, meet the following criteria:<\/p>\n<ul>\n<li>Located in a safe area<\/li>\n<li>Near transportation, grocery stores, and\u00a0<a href=\"https:\/\/www.findlaw.com\/elder\/elder-care-law\/assisted-living-residences.html\">health care facilities<\/a>\u00a0or medical providers<\/li>\n<li>Adequate heating, air conditioning, and ventilation<\/li>\n<li>Meet housing, health, and safety code requirements<\/li>\n<li>Accommodations for mobility issues or other disabilities (ramps, handrails, etc.)<\/li>\n<li>Cost no more than 30% of an older adult&#8217;s income<\/li>\n<\/ul>\n<p>Older adults often face challenges in locating adequate housing they can afford. For those 65 years of age or older, finding low-income housing is an added challenge on top of health care and mobility issues. This can be overwhelming and discouraging, especially in cities or counties where affordable housing is limited. <a href=\"https:\/\/lawyers.findlaw.com\/landlord-tenant\/\" target=\"_blank\" rel=\"noopener\">Legal help is available<\/a> for older adults facing benefit denials or barriers to accessing rental programs.<\/p>\n<p>To <a href=\"https:\/\/www.findlaw.com\/realestate\/landlord-tenant-law\/defenses-to-eviction.html\">avoid eviction<\/a> or foreclosure, older adults are often forced to make significant tradeoffs. This means cutting back on food, transportation, and medical expenses. Fortunately, several resources are available to help older adults find affordable housing. Keep reading to learn more about older adult rental help programs, eligibility guidelines, and how to apply.<\/p>\n<h2>What Types of Elderly Rental Assistance Programs Are Available?<\/h2>\n<p>Not all older adults can afford long-term care or caregivers. Senior centers and nursing homes are extremely expensive. For this reason, federal and state governments give rental assistance to low-income older adults. This is primarily through affordable housing or various housing voucher programs.<\/p>\n<p>This help is generally provided by the federal\u00a0<a href=\"http:\/\/portal.hud.gov\/hudportal\/HUD\" target=\"_blank\" rel=\"noopener\">Department of Housing and Urban Development<\/a>\u00a0(HUD). It is then administered by local\u00a0<a href=\"https:\/\/www.hud.gov\/program_offices\/public_indian_housing\/pha\/contacts\" target=\"_blank\" rel=\"noopener\">Public Housing Authorities<\/a> (PHAs) at the state and county levels.<\/p>\n<h2>Public Housing Basics<\/h2>\n<p>Affordable housing is available to low-income families. This includes those who qualify as elderly or disabled.<\/p>\n<p>Typically, tenants will not pay more than 30% of their monthly income for an affordable housing unit. Local PHAs that receive federal government funding own and operate such housing.<\/p>\n<p>To <a href=\"https:\/\/www.hud.gov\/topics\/rental_assistance\/phprog\" target=\"_blank\" rel=\"noopener\">be eligible<\/a> for affordable housing as an elderly person, you must:<\/p>\n<ul>\n<li>Be 62 or older<\/li>\n<li>Have an annual income that&#8217;s no more than the &#8220;lower income&#8221; limit for the geographical area<\/li>\n<\/ul>\n<p>HUD publishes <a href=\"https:\/\/www.huduser.gov\/portal\/datasets\/il\/il26\/Statement-on-FY-2026-Income-Limits.pdf\" target=\"_blank\" rel=\"noopener\">updated income limits annually<\/a>. There are also\u00a0exceptions for those 55 or older.<\/p>\n<h2>Housing Voucher Program Basics<\/h2>\n<p>Housing voucher programs provide rental assistance for private market rental units. One example is the <a href=\"https:\/\/www.hud.gov\/hcv\" target=\"_blank\" rel=\"noopener\">Housing Choice Voucher Program<\/a> (formerly called &#8220;Section 8&#8221; ) run by HUD. Here, the PHAs pay the voucher directly to property owners. The resident pays the difference owed on the rent.<\/p>\n<p>These programs involve a greater variety of housing options. Older adults can choose their preferred housing location from the private market. But the property owner must agree to the voucher program&#8217;s terms.<\/p>\n<p>To be\u00a0<a href=\"https:\/\/www.hud.gov\/helping-americans\/housing-choice-vouchers-guidebook\" target=\"_blank\" rel=\"noopener\">eligible\u00a0for the Housing Choice Voucher Program<\/a>, an adult must be 62 or older. They must also meet the &#8220;Very Low-Income Limit&#8221; for the geographical area. These limits are published annually by HUD.<\/p>\n<h2>How Does HUD Determine Income Eligibility?<\/h2>\n<p>HUD determines income eligibility for either affordable housing or housing voucher programs. HUD will look to the following sources:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.findlaw.com\/employment\/wages-and-benefits\/wage-and-hour-laws.html\">Wages<\/a>, salaries, overtime, commission, fees, tips, and bonuses (before any payroll deductions)<\/li>\n<li>The net income from a business<\/li>\n<li>Interest, dividends, and any other net income from real or personal properties<\/li>\n<li>Payments from Social Security, Medicaid and Medicare, retirement funds, disability, or <a href=\"https:\/\/www.findlaw.com\/socialsecurity\/basics\/social-security-lump-sum-death-payment-overview.html\">death benefits<\/a><\/li>\n<li>Payments in lieu of earnings (unemployment, workers&#8217; compensation, severance pay, etc.)<\/li>\n<li>Welfare benefits like Temporary Assistance for Needy Families (TANF)<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/family\/child-support\/state-public-assistance-welfare-information.html\">Access to public benefits<\/a> such as veterans&#8217; benefits, unemployment compensation, and Supplemental Security Income (SSI)<\/li>\n<li>Alimony or child support<\/li>\n<li>Regular contributions or gifts from persons not residing with the applicant<\/li>\n<\/ul>\n<h2>How Do I Apply for a Rental Assistance Program?<\/h2>\n<p>If you or an older adult needs rental help, contact your local PHA to determine eligibility and submit an application. You can locate a PHA near you by searching for\u00a0<a href=\"https:\/\/www.hud.gov\/states\" target=\"_blank\" rel=\"noopener\">resources by state<\/a>\u00a0on HUD&#8217;s website.<\/p>\n<p>You can also contact an attorney focused on government benefits. They can teach you more about federal and state rental assistance programs available to you. To find an attorney near you, see\u00a0<a href=\"https:\/\/lawyers.findlaw.com\/elder-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">FindLaw&#8217;s attorney directory<\/a>.<\/p>\n<h2>Housing Resources for Older Adults<\/h2>\n<p>Contact your state&#8217;s human services or social services agency for additional information on rental assistance programs available to older adults in your area.<\/p>\n<p>For general information on fair housing and tenant rights, see FindLaw&#8217;s\u00a0<a href=\"https:\/\/www.findlaw.com\/realestate\/landlord-tenant-law\/tenant-rights.html\">Tenant Rights<\/a>. For general information on housing discrimination, including age discrimination, see FindLaw&#8217;s\u00a0<a href=\"https:\/\/www.findlaw.com\/civilrights\/discrimination\/housing-discrimination-faqs.html\">Housing Discrimination: FAQs<\/a>.<\/p>\n<h2>How To Find Legal Help<\/h2>\n<p>If you\u2019re being denied housing benefits you qualify for or facing confusing program rules, you are not alone. An attorney experienced in housing benefits can step in to challenge mistakes, clarify eligibility, and push agencies to act. If you are facing the eviction process, an attorney can also help with that. Expert legal advice and legal representation can make all the difference.<\/p>\n<p>FindLaw&#8217;s directory of <a href=\"https:\/\/lawyers.findlaw.com\/landlord-tenant\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">tenant rights attorneys<\/a> can connect you to qualified legal help near you. Start by entering your city or ZIP code for a list of legal professionals in your area. Your search results will also show important details about prospective lawyers, like ratings and whether they offer free case evaluations.<\/p>\n<p>Contact your state&#8217;s legal assistance program if you cannot afford to hire an attorney. Most states offer free legal services or legal aid to help older adults navigate a state&#8217;s rental assistance program.\u00a0The\u00a0<a href=\"https:\/\/acl.gov\/programs\/aging-and-disability-networks\/area-agencies-aging\" target=\"_blank\" rel=\"noopener\">Area Agencies on Aging<\/a>\u00a0(AAA)\u00a0<a href=\"https:\/\/eldercare.acl.gov\/home\" target=\"_blank\" rel=\"noopener\">Eldercare Locator<\/a>\u00a0is also a great legal resource for older adults facing legal issues.<\/p>\n<p>Lastly, if you or someone you know suffers from elder abuse,\u00a0<a href=\"https:\/\/www.napsa-now.org\/help-in-your-area\/\" target=\"_blank\" rel=\"noopener\">contact Adult Protective Services<\/a>\u00a0or your\u00a0<a href=\"https:\/\/theconsumervoice.org\/get_help\" target=\"_blank\" rel=\"noopener\">local long-term care ombudsman program<\/a> immediately. Once you have reported the abuse, consult with an\u00a0<a href=\"https:\/\/lawyers.findlaw.com\/elder-law\/?fli-dcta\" target=\"_blank\" rel=\"noopener\">elder law attorney near you<\/a> for next steps.<\/p>\n\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" 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class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                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                 id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"fl-section-sidebar\"><div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?\u00a0<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    A lawyer can help you access benefits you&#8217;re eligible for if you&#8217;re facing delays or denials\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Legal cases with rentals or facilities are rarely straightforward\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Simple applications for HUD programs or PHA waitlists can usually be handled on your own\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Get customized advice and ask your legal questions. 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