Section 8 Housing Explained: How to Get Help Paying Rent
Aug 20, 2024 • STAFF
Introduction
Paying rent shouldn’t mean choosing between food, medicine, or safety. The Section 8 Housing Choice Voucher Program is a federal initiative that helps low-income individuals and families afford decent, safe housing in the private market. If you’ve never applied or even heard of Section 8, this guide will break down exactly how it works — and how to get started.
Need help applying? Use our free checklist to find out what you qualify for.
What Is Section 8?
Section 8 is a rental assistance program funded by the U.S. Department of Housing and Urban Development (HUD) and administered by local Public Housing Agencies (PHAs). It provides vouchers that cover a portion of your rent, and you pay the remainder (usually 30% of your income).
You can use Section 8 vouchers to rent:
- Apartments
- Single-family homes
- Townhomes or duplexes
Landlords must agree to accept vouchers and meet HUD housing standards.
Who Qualifies for Section 8?
Eligibility is based on:
- Income — Typically 50% or less of the median income in your area
- Family status — Includes singles, families, seniors, and people with disabilities
- Citizenship status — Must be a U.S. citizen or eligible noncitizen
- Rental history — Background checks may apply
Each PHA sets its own requirements, so check locally.
How to Apply for Section 8
The application process can take time — demand is high and waiting lists are common. Here’s how to get started:
- Find your local PHA using HUD’s directory
- Check for open waiting lists — Many areas open lists for limited windows
- Submit your application — Online or in-person with documentation
- Attend an interview or briefing if selected
- Receive your voucher — Then search for housing that accepts it
Some PHAs also offer emergency or priority placement for domestic violence survivors, veterans, or displaced families.
Single-parent households may qualify faster—Help for Single Parents breaks it down.
Tips for Success
- Apply to multiple PHAs in neighboring areas to improve your chances.
- Respond to all communications quickly — missing a deadline can disqualify you.
- Keep documents organized — proof of income, ID, and residency.
💡 Tip: If you’re on other programs like SNAP or Medicaid, you’re more likely to qualify. Mention them in your application to strengthen your case.