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When your application gets near the top of the waiting list they do a CORI on you and they check your bank accounts and assets. That's about it. The hardest part is the long wait to get in.
Are you saying that income is not investigated? No, what they look at is your income to qualify for Sec. 8 housing or any housing tied to the federal poverty level. Assets and bank accounts are not of a concern in many of these type of federal funded housing. In some other programs of assistance, including housing, assets and bank accounts will be taken in account but also the main issue of income. Income is always the issue that is the main qualifier. Income always includes federal required reported income as interest/dividends or other income, but not the amounts of assets in these cases.
One of the big issues I have with many of these subsidized housing rentals, or just many rentals, is that there are no washer/dryers machines or hookups in the individual units. There is only washer/dryers that are for common use.
I have not rented for about 32 yrs. and I like to have my own washer/dryer. I do not have the patience/energy, and I have difficulty walking, to go down the hall and for my laundry. I have only gone to a laundromat rarely when I traveled. I have had enough of laundry rooms in college and the army and as a renter. In addition, I am allergic to cats and cat hair gets stuck in these machines.
I do many other tasks when I do laundry and it is convenient to have it in my home. I know you can buy these mini-washer/dryers and hook them to the sink. They seem just too small for my big laundry. Most subsidized units are small and there not much room, to be moving machines.
I assume that some newer subsidized and other apartments have washer/dryer hookups in the units. That will be the ones that I want. However, I bet the demand would be much greater for the new subsidized units.
The laundry is the biggest problem. In my state, you are not allowed to have a washer in your apartment, not even a mini washer. So it becomes a real pain--as you said, wasted time going back and forth to the on site laundromat, carrying your soap, laundry, keys, coins. Even the idea of washing my clothing in with the clothing of strangers and of people who use all kinds of scented laundry products to which I am allergic. You can't do your laundry at night and you can't do it very well on rainy days or in winter. There's the added fear of slipping on ice or snow in winter. It's miserable, the worst part of subsidized housing. I really don't think it's fair to make older people go through all of this just to wash their clothes.
Ironically, the apartments have all kinds of cords to pull for safety and bars to hang onto, they have annual inspections to make sure you don't have anything too close to a door or a window -- all for safety--and YET they allow this dangerous hardship of making people carry heavy laundry up and down stairs and out to the laundromat in all kinds of weather. If you want a washing machine, you probably need to stay away from subsidized housing.
The laundry is the biggest problem. In my state, you are not allowed to have a washer in your apartment, not even a mini washer. So it becomes a real pain--as you said, wasted time going back and forth to the on site laundromat, carrying your soap, laundry, keys, coins. Even the idea of washing my clothing in with the clothing of strangers and of people who use all kinds of scented laundry products to which I am allergic. You can't do your laundry at night and you can't do it very well on rainy days or in winter. There's the added fear of slipping on ice or snow in winter. It's miserable, the worst part of subsidized housing. I really don't think it's fair to make older people go through all of this just to wash their clothes.
Ironically, the apartments have all kinds of cords to pull for safety and bars to hang onto, they have annual inspections to make sure you don't have anything too close to a door or a window -- all for safety--and YET they allow this dangerous hardship of making people carry heavy laundry up and down stairs and out to the laundromat in all kinds of weather. If you want a washing machine, you probably need to stay away from subsidized housing.
What! People wash their togs by machine now? What ever happened ta wash basins, scrub boards an' homemade lye soap? Y'all's spoiled!
What! People wash their togs by machine now? What ever happened ta wash basins, scrub boards an' homemade lye soap? Y'all's spoiled!
Curmug, that's pretty much what they do in subsidized housing! You are so right. It's way better than sharing the yucky washing machines and toting laundry across the road. There's something even newer though--you take a large rock and pound your laundry clean in a river. I think this is the coming thing for seniors in subsidized housing!
BTW, yes, of course they check income along with other things to make sure you're eligible. Your SS check, your bank account for deposits, your pensions. I think the income limit in my state is about $45,000 but I'm not exactly sure. That amount of income makes you just a little too poor to buy anything or rent a decent place and have much left over. Unfortunately there's not much in between that you can afford. If you work they will want four consecutive paychecks but it doesn't pay to work because they just raise your rent--calculated from your gross, not your net.
I think the income limit in my state isabout $45,000 but I'm not exactly sure. That amount of income makes you just a little too poor to buy anything or rent a decent place and have much left over. Unfortunately there's not much in between that you can afford. If you work they will want four consecutive paychecks but it doesn't pay to work because they just raise your rent--calculated from your gross, not your net.
It is astounding that the limit could be that high; $45,000 is just barely below the median family income in this country. At that income, you can rent a decent, though not lavish place in most areas. The second sentence I bolded is what's wrong with this country; welfare is so lavish it doesn't pay to work.
I think the income limit in my state is about $45,000 but I'm not exactly sure. That amount of income makes you just a little too poor to buy anything or rent a decent place and have much left over. Unfortunately there's not much in between that you can afford. If you work they will want four consecutive paychecks but it doesn't pay to work because they just raise your rent--calculated from your gross, not your net.
Most working people are paying 1/3 their income for their housing these days, whether they rent or own (total costs). Owners do better, but then there's the upkeep and repairs, and groundswork.
As for renters...One-third of $45K, even knocking off the income tax, puts the 1/3 rent at about $1,000/month. Most places outside major desirable areas offer an abundance of rentals for that amount. Some places even include utilities for that amount of rent.
If $45K is the allowable limit, it looks like there could be a run on subsidized housing in places. I wonder if that amount is only in more pricey areas?
The applicable regulations for Section 8 housing is codified at 24 CFR Part 982. This will answer your questions and may confuse you further but this is the law:
You will notice that the income qualifications depends on the determination done by the local PHA (Public Housing Authority) per HUD regulations. Obviously the cost to live varies in different areas so income qualifications are different.
Again, I have said it is all based on income. Collection of all other information about assets and bank accounts is to verify income. I have found no reference in the code that would indicate asset limits eligibility. 982.201 addresses eligibility and just indicates income as the determining factor http://frwebgate.access.gpo.gov/cgi-...=2000&TYPE=PDF
Again, I have said it is all based on income. Collection of all other information about assets and bank accounts is to verify income. I have found no reference in the code that would indicate asset limits eligibility. 982.201 addresses eligibility and just indicates income as the determining factor http://frwebgate.access.gpo.gov/cgi-...=2000&TYPE=PDF
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In my readings I have found the same thing. Of course, if one's income from one's assets is really high, that may kick the applicant off eligibility. It's also important to understand that the income limit (ceiling) is not one figure across the board; what I am seeing are income ceilings all over the place. They vary considerably from one housing complex to another.
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How can this be true?
