The low-income elderly are the priority beneficiaries of the U.S. Department of Housing and Urban Development’s HUD Senior Housing program.  While I may have a vague idea of what this program is, I am still unaware of the intricacies involved in availing of a housing program designed to cater to the country’s senior citizens. What is this senior housing program and who qualifies for this program?

The applicant should meet the eligibility needs of the HUD. More guidelines may apply to the housing and other tenants, as the residence and community should by sanctioned by the HUD to qualify as a senior housing community.


The Function Of HUD Senior Housing

Senior housing intends to supply safe and affordable residences to live for senior citizens who are qualified. To qualify for this program, an applicant should meet the area’s income limits, be at a minimum age of 55. Moreover, the applicant must be a United States citizen or has legitimate immigration status.


The Types Of HUD Senior Housing

A senior citizen must apply for the acceptable housing to qualify for HUD housing benefits for seniors. There are three criteria to qualify for senior housing. One criterion is that all occupants should be aged 62 or older. According to HUD, 80 percent of residential units have at least a tenant over 55 years old. Senior housing covers apartment complexes and apartment buildings.

As found by the HUD, seniors above the age of 65 who have very limited resources and income for the area may be eligible for a certain type of senior housing known as personal care homes. These types of homes are for senior citizens who need help beyond the most fundamental necessities but still can avoid long-term hospitalization.


Benefits And Considerations

Being eligible for senior housing allows a senior citizen with little income to find a residence in any rental market. For a senior citizen who has special needs, being eligible for a personal care home is crucial in his or her financial security or quality of life. This is because personal care residences are more expensive than ordinary rentals because of the provided extra services.

At two levels, the HUD sets allowable qualifying limits of income for senior citizens who seek housing. A senior is in the low-income bracket if his or her income is 80% or less of his or her county’s median income. A senior citizen at 50% or less of his or her county’s median is categorized as very-low income.


Mistaken Belief

HUD Senior Housing ProgramThe legislation that prohibits housing discrimination versus families – the Fair Housing Act – has an exemption for housing for senior citizens on family status. HUD’s definition of senior housing excludes families that have children. An eligible senior citizen may be denied if non-senior family members are part of the senior household. Even if he or she qualifies for senior housing, an applicant with a disruptive behavior history in his or her homeownership or rental may also be denied.

Nevertheless, the HUD Senior Housing program is still a good deal for senior citizens.