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If we are renting at market rate and experience a drop in income that qualifies us for Section 8 or other housing support, can we just stay put and arrange for the subsidized housing? I know the building has a certain percentage of low/moderate income units. Thank you!
Not necessarily possible. There are different types of low/moderate income rentals. Only your landlord or your local Housing Authority can answer the question with any certainty. Do you actually have a Section 8 voucher? I know in my area there is always a waiting list for vouchers.
The waiting list for Sec 8 is usually a decade or more. If the complex that you are living in is already public housing, with some units subsidized and some at market rate, you should approach the office in charge and see if you now qualify for a lower rate. But I doubt that this is the case. If you cannot afford to live where you are renting, you need to plan to move out asap to a place that you can afford.
Not all states protect Section 8 as income. Oregon does, which means your landlord needs to take it, if you otherwise qualify, but most states do that.
Then of course, as others have pointed out, there is the very, very long waitlist to actually get the voucher.
I know the building has a certain percentage of low/moderate income units.
Do Not Assume that low or moderate income units automatically equals Section 8. One of our building has 118 units. The lowest traditional rent exceeds $3,500 a month. When we started the project, as a condition for approval and the granting of certain special privileges, we had to agree to set aside a few units for low and moderate income rentals. These are not Section 8 (we do not accept Section 8) or other subsidized programs. The maximum monthly rent and maximum income level is the only thing government is involved with. The rules, rental terms and conditions, vetting process, background checks, etc., are the same as any other tenant. Additionally, there are no special requirements to follow for non-renewal or eviction process; they are treated just like everyone else.
"My husband and I are considering spending several months per year in Provence. Does anyone know what rents are like for small, stylish apartments, cottages, etc.? What about other costs? We're trying to see if we can do this on 4000 US per month."
Sorry for you dramatic change in circumstances.
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