{"id":77491,"date":"2024-07-24T12:51:43","date_gmt":"2024-07-24T19:51:43","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=77491"},"modified":"2024-07-28T22:30:10","modified_gmt":"2024-07-29T05:30:10","slug":"what-is-section-42-housing","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/what-is-section-42-housing\/","title":{"rendered":"What is Section 42 Housing"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Section 42 housing is a type of subsidized housing intended to assist low-income renters get safe, affordable housing. To qualify for a Section 42 apartment, you must meet certain income requirements, as defined by your local Department of Housing and Urban Development (HUD). Section 42 housing can be especially helpful in expensive rental markets like <\/span><a href=\"https:\/\/www.redfin.com\/city\/17151\/CA\/San-Francisco\/apartments-for-rent\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">San Francisco, CA<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.rent.com\/washington\/seattle-apartments\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">Seattle, WA<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Section 42 housing was created as part of the <\/span><a href=\"https:\/\/www.britannica.com\/topic\/Tax-Reform-Act\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">Tax Reform Act of 1986<\/span><\/a><span style=\"font-weight: 400;\">. The subsidy comes in the form of a tax credit given to your landlord. Your landlord receives the credit by earmarking the unit as affordable housing and renting it for a below-market rate. They must also comply with special requirements and submit to regular screening to ensure the home is well-maintained.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Want to learn more? Here\u2019s our comprehensive guide to Section 42 and how to qualify for an <\/span><span style=\"font-weight: 400;\">affordable apartment<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/images.surferseo.art\/1ef9ae11-2011-4017-83bb-1375abee31c6.jpeg\" alt=\"Brown concrete building providing affordable housing for tenants\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">Who qualifies for Section 42 housing?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you want to live in Section 42 housing, you must meet the income and asset qualifications based on the size of your family. In order to qualify:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your income must be no less than 30 percent and no greater than 50 percent of your area\u2019s median income limits as defined by HUD.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your assets must be under the threshold defined by HUD for your area, which include checking and savings accounts, certificates of deposit, money market accounts, stocks, bonds, mutual funds, and retirement accounts.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Because these qualifications depend on your income and assets, you\u2019ll need to submit financial statements, including income verification, to qualify. You\u2019ll also need to recertify your eligibility yearly, as the subsidy is an annual tax credit. You should notify your landlord or property manager immediately if your income changes.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because eligibility depends on your family composition, you\u2019ll need to send a written notification if your household size changes. A new dependent may open up more affordable housing options, for example.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition to family size and income, eligibility can also be affected by residency status and if you have a criminal record. Legal residents, permanent residents, and naturalized citizens are eligible for Section 42 housing.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How is low-income housing calculated?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Incomes for Section 42 must be less than 50 percent of your county\u2019s average mean income, also known as AMI. It\u2019s important to remember that Section 42 requirements are not the same from one county to the next because all county\u2019s have a different AMI. You will also need to research your local HUD\u2019s requirements and programs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Low-income housing is typically based on a simple calculation similar to this:<\/span><\/p>\n<p><b>Percentage x AMI = Income Cap\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">For example, if your city\u2019s Section 42 income restriction is 50 percent of AMI, and your city\u2019s AMI is $48,000, the highest annual gross income you can make is $24,000. The calculation looks like this:\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">50% x $48,000 = $24,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most of the time, Section 42 housing has a floor set at 30 percent of AMI, meaning people earning less than 30 percent of AMI are eligible for additional housing assistance, mainly Section 8 housing or similar programs. It\u2019s possible to qualify for both Section 8 and Section 42, but you cannot use both programs simultaneously. Here\u2019s a closer look at the difference between Section 8 and Section 42 housing assistance.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How Section 42 differs from other rent assistance programs like Section 8<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Section 42 and Section 8 are both affordable housing programs offered by the federal government and intended to assist people with little to no income. But you should be aware of several important distinctions between the two.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.hud.gov\/sites\/documents\/DOC_10010.PDF\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">Housing Act of 1937<\/span><\/a><span style=\"font-weight: 400;\"> created Section 8 housing for people with very low income. People who qualify for Section 8 pay 30 percent of their income toward rent, and the government pays the remainder of the rent. As a tenant\u2019s income fluctuates, so does their rent payment. To apply for Section 8, you must apply with a public housing agency (PHA) office.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Section 42 housing is for people who aren\u2019t very low-income but could still greatly benefit from housing assistance. Section 42 tenants pay a rent amount determined by HUD guidelines and the landlord, but this amount is capped. The<\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-much-are-apartment-utilities\/\" data-wpel-link=\"exclude\"> <span style=\"font-weight: 400;\">cost of utilities<\/span><\/a><span style=\"font-weight: 400;\"> is factored in when determining rent prices, though the rent payment doesn\u2019t usually cover all utilities. To apply for Section 42, you can apply through your landlord or property manager.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Though typically funded by the federal government, affordable housing programs are administered on the state and local levels. So policies, income caps, and other specifics can vary from state to state. Depending on where you live, more affordable housing programs may be available through local governments.<\/span><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/images.surferseo.art\/51804ce5-3c53-4911-9495-edf2064a3a98.jpeg\" alt=\"Family moving into section 42 housing\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">How to apply for Section 42 housing<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Before deciding on Section 42 housing, assess your situation. Calculate your income using your pay stub or tax returns, and look up local HUD guidelines for affordable housing. You want to make sure that you meet the eligibility requirements. You\u2019ll also want to gather all the information you need to complete the<\/span><a href=\"https:\/\/www.redfin.com\/blog\/apartment-applications\/\" data-wpel-link=\"exclude\"> <span style=\"font-weight: 400;\">rental application<\/span><\/a><span style=\"font-weight: 400;\"> process, including your financial statements.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">During the application process, you\u2019ll need to provide information, such as your name, gender, social security number, date of birth, and citizenship status. Non-citizens are also eligible to apply. These are reporting requirements set by the government and are not a violation of equal opportunity laws. You\u2019ll also be required to submit income verification, such as your tax returns. Take your time filling out the application, as errors can delay the process or result in rejection.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re eligible, you will continue to move through the leasing process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your landlord may have<\/span><a href=\"https:\/\/www.redfin.com\/blog\/landlord-responsibilities\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\"> additional responsibilities<\/span><\/a><span style=\"font-weight: 400;\"> regarding screening and other requirements towards your application. Don\u2019t be afraid to<\/span><a href=\"https:\/\/www.redfin.com\/blog\/questions-to-ask-when-renting-an-apartment-or-house\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\"> ask your landlord questions<\/span><\/a><span style=\"font-weight: 400;\"> to ensure you do your part of the process correctly.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Benefits of Section 42 housing<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Beyond the low cost, a huge benefit of Section 42 apartments is that they\u2019re usually located in areas with higher rents that are too expensive on average for low-income renters. Residents who would otherwise be pushed away now have affordable access to the area&#8217;s amenities and local job market.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You\u2019ll also be able to rely on your landlord or property manager to take good care of your apartment unit. The unit must comply with certain maintenance and safety requirements for your landlord to receive the tax benefit. That means no broken appliances or out-of-date fire extinguishers. Or at least quickly<\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-long-does-a-landlord-have-to-fix-something\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\"> repaired or replaced by your landlord<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Finally, the landlord takes care of many of the utilities in a Section 42 apartment. Though internet and electricity are not typically included, you could save on bills such as trash collection, gas, and non-electric heating.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Drawbacks of Section 42 housing<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Section 42 housing is in short supply in most places, so finding a unit can be difficult. Some extra effort is also needed to navigate the affordable housing system. You\u2019ll need to prepare and submit additional paperwork, and you\u2019ll need to stay on top of any changes to your income or family size.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Discuss even small changes in your income with your landlord or property manager, like taking a part-time job. They will be able to give you some guidance to ensure that you remain eligible for the program.<\/span><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/images.surferseo.art\/0eb0e498-8d39-4124-bc0c-2c542cb87de4.jpeg\" alt=\"A cozy sofa and bed in a contemporary low income studio apartment\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">FAQs on Section 42 Housing<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Section 42 housing is a national program that\u2019s deployed a little bit differently in every area it serves, so things can get confusing. Here are answers to some of the most common questions about Section 42 affordable housing.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What are assets?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Assets are possessions that hold value. Examples of assets include money in a checking or savings account, vehicle, and retirement savings. When it comes to subsidized housing requirements, HUD only places limits on assets that generate an income, such as a high-yield savings account. Your car, clothing, furniture, and other personal belongings will not count toward your limits.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What is compliance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Compliance is the act of adhering to principles, rules, and guidelines set forth by an entity. In the case of Section 42 housing, both renters and landlords must comply with the rules set forth by HUD. For renters, compliance includes meeting income restrictions and residency requirements.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Non-citizens, citizens, and permanent residents, often meet residency requirements, so don\u2019t let your citizenship status deter you from seeking assistance. Mixed-eligibility households can still qualify for partial benefits, just understand your county\u2019s or city\u2019s local guidelines.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How is the maximum income level determined and what counts as income?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Maximum income levels are dependent on the average incomes in your area. Hud provides an<\/span><a href=\"https:\/\/www.huduser.gov\/portal\/datasets\/il.html\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\"> income limits dataset<\/span><\/a><span style=\"font-weight: 400;\"> that makes it easy to see the limits the organization has set for your area.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You calculate your total income by adding together any source of income, which can include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wages<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Child Support<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Alimony<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Social Security<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pension<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retirement accounts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest-bearing accounts<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">How is rent determined?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Rent for section 42 apartments is determined by guidelines set by HUD. Rent is calculated based on the number of bedrooms and the area median income (AMI).\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Each bedroom is considered to be 1.5 occupancy, with a studio apartment set as a one person occupancy.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rent is 30 percent of the AMI based on the household size.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For example, a two bedroom apartment in an area where the AMI of a three-person household is $48,000 would be rented for a maximum of $1,200.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">($48,000 x 0.3 ) \/ 12 months = $1,200 monthly rate<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In most metro areas, HUD will have a price list available on your local government website where the calculations are done for you.\u00a0\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What happens if my income and family size changes?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Every year you need to recertify that your income and family size meet the guidelines of the program. This recertification ensures that you are eligible for section 42, and it enables your landlord to continue receiving a tax subsidy.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can an additional person move in?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If your household makeup changes at any time during your lease, you need to notify your landlord or property manager in writing immediately. Your household size and income affect your eligibility. Remember that your landlord is dependent upon your eligibility in order to receive the annual tax credit, so your lease may have special requests if you want to bring another person into your home. It may make sense to discuss your intentions with your landlord before letting someone move in.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Final thoughts<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Section 42 housing is a great program for renters and landlords alike. For those who qualify, the lower and stable rent costs are worth the additional compliance requirements. For a successful affordable housing rental experience, be sure to take the time to research local guidelines and prepare the documentation you\u2019ll need beforehand. Your local HUD office should have additional information and resources.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Section 42 is a type of affordable housing intended to help people with low income but above the poverty line. This guide shows you what you need to know about qualifying for a section 42 apartment.<\/p>\n","protected":false},"author":557,"featured_media":77492,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[10756,34343],"tags":[559,3477],"coauthors":[34341],"class_list":["post-77491","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-featured-post","category-renting-a-home","tag-moving","tag-renting"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Is Section 42 Housing and How Do You Qualify? | Redfin<\/title>\n<meta name=\"description\" content=\"Section 42 is a type of affordable housing, and it\u2019s available in most cities. 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