What Is Public Housing and Who Qualifies?
Public housing is government-owned rental housing managed by local Public Housing Authorities. Rent is based on your income — typically 30% of your adjusted monthly income. Units range from single rooms to family-sized apartments in both urban and suburban areas.
To qualify, your income must generally fall below 80% of the Area Median Income. Priority is given to those below 30% AMI, families with children, elderly, and people with disabilities. Apply to multiple PHAs to improve your chances.
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2026 Public Housing Income Limits (80% AMI)
2026 Public Housing Income Limits (80% AMI)
National averages — your local PHA may differ
| Household Size | Low Income (80% AMI) | Very Low (50% AMI) | Extremely Low (30% AMI) |
|---|---|---|---|
| 1 person | ~$56,000 | ~$35,000 | ~$21,000 |
| 2 people | ~$64,000 | ~$40,000 | ~$24,000 |
| 3 people | ~$72,000 | ~$45,000 | ~$27,000 |
| 4 people | ~$80,000 | ~$50,000 | ~$30,000 |
| 5 people | ~$86,000 | ~$54,000 | ~$32,000 |
Most PHAs prioritize applicants at 30% AMI or below. Limits vary significantly by metro area.
How to Apply for Public Housing
1
Find Your Local PHA
Use HUD's PHA locator to find the public housing authority serving your area. Each PHA has its own waitlist.
Find Your Local PHA →
2
Check Waitlist Status
Many PHAs have closed waitlists. Check the PHA website or call to confirm the waitlist is open before applying.
Application Guide →
3
Submit Your Application
Complete the PHA application form — online or in person. The application is free.
4
Attend Your Interview
When your name comes up, you'll be called for an eligibility interview. Keep your contact info updated.
5
Unit Assignment
Once approved, you'll be offered an available unit. You may refuse once without losing your place.
Not Sure What You Qualify For?
Take the free Benefits Match Quiz — see public housing, Section 8, and every housing program you may qualify for.
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