Qualifications for Section 8 in Massachusetts
Housing costs can stretch a household's budget beyond capacity for low-income families. Luckily, Massachusetts offers a number of housing assistance programs through the Section 8 program. Section 8 is a federally funded program administered by the individual states. For qualified applicant's, Section 8 assistance can help provide a safe and affordable home or apartment for the family to live in.
General Eligibility
To qualify for the federally funded Section 8 assistance in Massachusetts, at least one family member must be a U.S. citizen or eligible non-citizen. There are, however, state funded housing assistance programs that allow undocumented non-citizens to apply. In addition, the gross household income must be below 50 percent of the median gross income for the area where you live. By law, however, 75 percent of the assistance must go to households with income below 30 percent of the median income for the area. There is usually a long waiting list for assistance. Housing agencies set their own preference lists, which influence whether you move or down on the list. Common reasons for claiming a preference include homelessness, displacement due to a natural disaster and disability or veteran status.
Tenant Based and Project Based Vouchers
Tenant-based vouchers allow a recipient to choose any housing she wants as long as the apartment or home is safe and the rent is reasonable. The unit where you wish to live must pass an inspection to ensure it is clean and safe and the landlord must agree to accept Section 8 rent. The amount you will pay will vary but is generally around 30 percent of your household income. Project-based vouchers require a recipient to live in a designated apartment complex that is only for Section 8 tenants. The rent is usually lower than in other complexes. The amount you are responsible for paying will also be around 30 percent of your household income.
Homeownership Vouchers
The homeownership voucher program allows you to transfer your rental voucher to help pay for your mortgage if you are able to buy a home. You must first have a rental voucher. Other eligibility rules apply. You must be a first-time home buyer and attend counseling provided by the Public Housing Authority. You must also qualify for a mortgage and be able to pay the down payment and closing costs. At least one adult in the family must be employed and you must be able to pay your share of the mortgage payment each month. Section 8 will then continue to pay the amount they were paying under the rental assistance program.
How to Apply
You can check your potential eligibility for any of the Section 8 programs through the "Eligibility Check" tool on the MASSResources website. You can apply for Section 8 assistance at either a public housing agency or a regional non-profit housing agency. Both agencies issue Section 8 vouchers and you may put your name on a waiting list at both agencies.
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