Housing Authorities in Alabama

State of Housing in AlabamaAlabama has 140 Public Housing Authorities. Alabama has just received a $140 Million grant from HUD for housing, infrastructure, and business needs. Public housing was established to provide decent and safe rental housing for eligible low-income families, the elderly, and persons with disabilities. Public housing comes in all sizes and types, from scattered single family houses to high rise apartments for elderly families. There are approximately 1.2 million households living in public housing units, managed by some 3,300 HAs. The U.S. Department of Housing and Urban Development (HUD) administers Federal aid to local housing agencies (HAs) that manage the housing for low-income residents at rents they can afford. HUD furnishes technical and professional assistance in planning, developing and managing these developments.

Alabama Housing Projects

Section 8 provides rental assistance for the qualified residents of Alabama. It provides vouchers to low-income families to cover a portion of their rent. People receiving assistance are required to pay 30 percent of their monthly income toward their rent, and the vouchers cover the difference up to fair market rent values for that area. For example, if the monthly income of a family is $2,000 and fair market rent for the area is $900, the family will pay $600, and the Section 8 voucher will pay $300. Section 8 properties simply charge qualified families 30 percent of their monthly income for rent. The family's income must be below 50 percent of the area's median income to qualify. These figures vary depending on family size. Section 8 waiting lists can be long for vouchers and income-based properties, so applicants should check with the county housing authority for waiting list times.

Mortgage Assistance

Suitable housing should be available for everyone so there are several mortgage assistance programs in Alabama forState of Housing in Alabama low-income families. HUD offers homes at lower prices with smaller down payments, and there are less strict income guidelines for HUD homes. Several cities offer down payment assistance programs for homebuyers. The U.S. Department of Agricultural Rural Development offers rural home financing assistance directly to families with 80 percent or less of the country's median income who do not have suitable housing or financing available. This program gets low-income families financing for homes in rural areas at extremely low interest rates so that the payments are manageable. Section 8 also allows vouchers to pay for a portion of mortgage payments in some areas. Applicants should check with the local county housing authority to see what is available.

Housing for People with Disabilities and the Elderly

Elderly people and people with disabilities qualify for more programs in addition to the ones previously mentioned. The U.S. Department of Agriculture Rural Development offers a home repair grant program to elderly applicants over the age of 62 who would be unable to pay back a loan for necessary home repairs. The Alabama Independent Living Centers have programs for low-income people with disabilities to help them find affordable assisted living housing.

Income Limits

HAs use income limits developed by HUD. HUD sets the lower income limits at 80% and very low income limits at 50% of the median income for the county or metropolitan area in which you choose to live. Income limits vary from area to area so you may be eligible at one HA but not at another. Potential applicants should check with their particular Housing Authority to see what is available to them if they meet the income limit. A sample of which is found below.

FY 2013 Very Low-Income (50%) Limit (VLIL)
Income Limit Information Median Family Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2013 VLIL $53,600 $18,750 $21,450 $24,100 $26,800 $28,950 $31,100 $33,250 $35,400
FY 2013 Extremely Low-Income (30%) Limit (ELIL)
Income Limit Information 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2013 ELIL $11,250 $12,850 $14,450 $16,100 $17,350 $18,650 $19,950 $21,250
FY 2013 Low-Income (80%) Limit (LIL)
Income Limit Information 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2013 LIL $30,000 $34,300 $38,600 $42,900 $46,300 $49,750 $53,150 $56,600

Eligibility Requirements

Public housing is limited to low-income families and individuals. An HA determines your eligibility based on:

  • Annual gross income;
  • Whether you qualify as elderly, a person with a disability, or as a family; and
  • U.S. citizenship or eligible immigration status.

If you are eligible, the HA will check your references to make sure you and your family will be good tenants. HAs will deny admission to any applicant whose habits and practices may be expected to have a detrimental effect on other tenants or on the project's environment.

The application must be written. The HA usually needs to collect the following information to determine eligibility:

  • Names of all persons who would be living in the unit, their sex, date of birth, and relationship to the family head;
  • Your present address and telephone number;
  • Family characteristics (e.g., veteran) or circumstances (e.g., living in substandard housing) that might qualifyState of Housing in Alabama the family for tenant selection preferences;
  • Names and addresses of your current and previous landlords for information about your family's suitability as a tenant;
  • An estimate of your family's anticipated income for the next twelve months and the sources of that income;
  • The names and addresses of employers, banks, and any other information the HA would need to verify your income and deductions, and to verify the family composition; and
  • The PHA also may visit you in your home to interview you and your family members to see how you manage the upkeep of you current home.

An HA is responsible for the management and operation of its local public housing program. They may also operate other types of housing programs.

  • On-going functions: (a) Assure compliance with leases. The lease must be signed by both parties; (b) Set other charges (e.g., security deposit, excess utility consumption, and damages to unit); (c) Perform periodic reexaminations of the family's income at least once every 12 months; (d) Transfer families from one unit to another, in order to correct over/under crowding, repair or renovate a dwelling, or because of a resident's request to be transferred; (e) Terminate leases when necessary; and (f) maintain the development in a decent, safe, and sanitary condition.
  • Sometimes HAs provide other services that might include such things as: Homeownership opportunities for qualified families; employment training opportunities, and other special training and employment programs for residents; and support programs for the elderly.
Housing Authority of the City of Alexander City (ACHA) Written by Super User 1732
Montgomery Housing Authority Written by Super User 2205
Alabama Mobile Housing Board Written by Super User 2832
Foley Housing Authority Written by Super User 2823
Housing Authority of the City of Eufaula Written by Super User 2063
Housing Authority of the Birmingham District (HABD) Written by Super User 4752
Bessemer Housing Authority Written by Super User 2477
Housing Authority of Walker County Written by Super User 2251
Housing Authority of Tuscaloosa Written by Super User 2862
Opelika Housing Authority Written by Super User 2815