Housing Authorities in Idaho

State of Housing in Idaho

Homeownership in Idaho

  • Families may qualify for the Neighborhood Housing Services, Inc. loan programs and receive 100% home financing in Idaho., or the
  • Eastern Idaho Community Action Partnership - limited income families helping each other build their homes.
  • FHA - Over the past decade, more than 80,000 Idaho families have used FHA-insured mortgages to buy their homes. FHA "rehab & repair" mortgage –choose the energy-efficient mortgage or its reverse mortgage.
  • Habitat for Humanity - through volunteer labor, builds and rehabilitates houses for families in need.
  • Homeownership vouchers - some public housing agencies help you become a homeowner through theState of Housing in Idaho Housing Choice Voucher Homeownership Program.
  • Idaho Housing and Finance Association - homebuyer programs, including down payment and closing cost assistance.
  • Neighborhood Housing Services - low-interest mortgage products statewide to help low and moderate-income families purchase or rehabilitate homes.
  • North Idaho Housing Coalition - purchases foreclosed houses, renovates them as needed, and then offers them for sale to qualified buyers below appraised value.
  • Pocatello Neighborhood Housing Services - PNHS builds affordable housing and rehabilitates homes for resale.


To be eligible to live in state public housing or assisted rental, a family must typically earn no more than 80 percent of the area median income. Income guidelines vary from year to year and region to region. To live in state assisted elderly public housing, you must be at least 60 years old. If you are a person with a disability, you must meet certain criteria to be eligible for state or federal housing for disabled persons.

Applicants must pass the requirements:

  • Income eligible.
  • Pass a criminal background check.
  • Preferential status:
  • Persons who are homeless due to natural disasters.
  • Persons who are homeless due to public action.
  • Persons with emergency needs (such as domestic violence victims, persons with medical emergencies, or homeless persons facing an immediate threat to their health and safety.
  • Veterans and local residents.

Income Limits

1 Person2 Person3 Person4 Person5 Person6 Person7 Person8 Person
$21,450 $24,500 $27,550 $30,600 $33,050 $35,500 $37,950 $40,400
$12,850 $14,700 $16,550 $18,350 $19,850 $21,300 $22,800 $24,250
$34,300 $39,200 $44,100 $48,950 $52,900 $56,800 $60,700 $64,650

Housing Trust Fund

The Housing Trust Fund provides funds for the construction, rehabilitation, and preservation of rental homes and for homeownership for extremely low- and very low-income families.The Fund provides funding to developers to preserve, rehabilitate and construct housing, primarily for extremely low-income families. At least 80 percent of the funds must be used for the production, preservation, rehabilitation, or operation of rental housing. Up to 10 percent can be used for the following homeownership activities for first-time homebuyers: production, preservation, and rehabilitation; down payment assistance, closing cost assistance, and assistance for interest rate buy-downs.

Counseling for Homebuyers, Homeowners, and Tenants

The Idaho Housing Departmentis authorized to counsel current and prospective homebuyers, homeowners, and tenantsState of Housing in Idaho through approximately 1,700 HUD-approved counseling agencies. These agencies are public and private nonprofit organizations with housing counseling skills and knowledge of HUD, VA, and conventional housing programs. HUD awards housing counseling grants on a competitive basis to its approved agencies when Congress appropriates funds for this purpose. The funding helps the approved agencies partially meet their operating expenses. These homebuyers, homeowners, and tenants are advised on the purchase and rental of housing, money management, budgeting, credit counseling, prevention of mortgage default and rent delinquencies that lead to foreclosure or eviction, home maintenance, fair housing laws, and requirements and guidance regarding the Home Equity Conversion Mortgage application.

Good Neighbor Next Door

The Good Neighbor Next Door program promotes these goals by encouraging persons whose daily professional responsibilities represent a nexus to the needs of the community to purchase and live in homes in these communities. This program makes homes in revitalization areas available to law enforcement officers, teachers, firefighters, and emergency medical technicians. Each year, HUD sells a limited number of properties from its inventory at a 50 percent discount from the list price to eligible persons in the above professions. To make these homes even more affordable, eligible program participants may apply for an FHA-insured mortgage with a downpayment of only $100. Because homes sold through this program are located in revitalization areas, there may be additional assistance from state or local government sources.

Energy Efficient Mortgage Insurance

The cost of the energy improvements and estimate of the energy savings must be determined by a home energy rating, which may be financed as part of the cost-effective energy package. Energy improvements to an existing home may be installed within a limited time period after the insured loan has closed, depending on the program under which the mortgage is insured. Energy improvements to a newly constructed home must be installed prior to closing. The maximum mortgage amount for a single-family unit depends on its location and is adjusted annually.

Assisted-Living Conversion Program

This program provides funding for the physical costs of converting some or all of units in an eligible development into an assisted-living facility or service-enriched housing, including the unit configuration, common and services space, and any necessary remodeling consistent with HUD's or the state's statute or regulations (whichever is more stringent). These facilities are designed to accommodate frail elderly and people with disabilities who can live independently, but need assistance with activities of daily living (e.g., assistance with eating, bathing, grooming, dressing, and home management activities). Under this program, funded facilities must provide supportive services, such as personal care, transportation, meals, housekeeping, or laundry. The facility must be licensed and regulated by the state (or, if there is no state law providing such licensing and regulation, by the municipality or other subdivision in which the facility is located).

Multifamily Housing Service Coordinators

This program provides funding for service coordinators who assist elderly individuals and persons with disabilities, living in federally assisted multifamily housing and in the surrounding area, to obtain needed supportive services from community agencies. Independent living with assistance is a preferable, lower cost housing alternative to institutionalization for many frail older persons and persons with disabilities. HUD provides funding through three mechanisms:

  • A national competition with other properties for a limited amount of grant funding,
  • The use of the development's residual receipts or excess income, or
  • Budget-based rent increases or special rent adjustments.

Self-Help Housing Property Disposition

The property must be used for self-help housing for low-income persons. Residents of the property must make aState of Housing in Idaho substantial contribution of labor toward the construction, rehabilitation, or refurbishment of the property. HUD has the right to take the property back if it is not used in accordance with program requirements.

Nursing Homes and Facilities
The construction or renovation of nursing homes and facilities in Idaho are financed by HUD. Facilities can accommodate 20 or more patients requiring skilled nursing care and related medical services. Assisted living facilities and board and care facilities may contain no fewer than five one‑bedroom or efficiency units. Nursing home, intermediate care, and board and care services may be combined in the same facility covered by an insured mortgage or may be in separate facilities. Major equipment needed to operate the facility may be included in the mortgage. Licensed healthcare personnel provide care.

Housing Choice Voucher Program

A family renting a unit at or below the payment standard pays the highest of 30 percent of monthly adjusted income, 10 percent of monthly income, the welfare rent, or the PHA's minimum rent. A family renting a unit above the payment standard pays the highest of 30 percent of monthly adjusted income, 10 percent of monthly income, the welfare rent, or the PHA's minimum rent, plus the amount of rent above the payment standard.Eligibility for housing vouchers is limited to:

  • Very low-income families;
  • Low-income families previously assisted under the public housing, Section 23, or Section 8 project-based housing programs;
  • Low-income families that are non-purchasing tenants of certain homeownership programs;
  • Low-income tenants displaced from certain Section 221 and 236 projects; or
  • Low-income families that meet PHA-specified eligibility criteria.

Homeownership Voucher Assistance

A public housing agency (PHA), at its option, may provide monthly assistance to families that have been admitted to the Section 8 Housing Choice Voucher program in accordance with HUD regulations, that meet certain criteria, and that are purchasing homes in an amount that would otherwise have been provided to that family as tenant-based voucher assistance.

Choice Neighborhoods

Choice Neighborhoods grants primarily fund the preservation, rehabilitation and transformation of public and HUD-assisted housing. Funds may also be used for the conversion of vacant or foreclosed properties to affordable housing.Grantees must undertake comprehensive local planning with input from residents and the community. A strong emphasis is placed on local community planning for school and educational improvements, including early childhood initiatives.

Family Self-Sufficiency Program

The major components of the FSS program are a contract of participation between the PHA and the family, an individualized training and services plan for each participating family member, and an interest bearing escrow account. Credits to a family’s escrow account are based on increased income earned by family members during the term of their contract. On completion of the FSS contract, a family may claim its escrow account, if no family member is receiving welfare assistance.

Equal Housing Opportunity

HUD programs must comply with federal laws prohibiting discrimination in federally assisted programs or activities.Title VIState of Housing in Idaho of the Civil Rights Act of 1964 and HUD’s implementing regulations at 24 CFR Part 1 prohibit race, color, and national origin discrimination in the administration of programs or activities receiving Federal financial assistance and imposing affirmative obligations on such programs or activities to remedy the effects of past discrimination.Section 504 of the Rehabilitation Act of 1973 and HUD’s implementing regulations at 24 CFR Part 8 prohibit disability discrimination and impose accessibility standards on housing and non-housing programs receiving Federal financial assistance.The Americans with Disabilities Act of 1990 and its implementing regulations at 28 CFR Part 35 prohibit discrimination against persons with disabilities in places of public accommodation.

Lead-Free Homes

This program addresses childhood lead-based paint poisoning and other childhood diseases associated with poor housing conditions such as exposure to moisture, mold, poor air quality, lead paint, residential application of pesticides, the presence of allergens, vermin, dust, and other substances that contribute to asthma, and hazardous conditions that increase the risk of injury.

Unemployment in Idaho and the Housing Waiting List

The BLS reported that the unemployment rate for Idaho fell 0.0 percentage points in March 2013 to 6.2%. The state unemployment rate was 1.4 percentage points lower than the national rate for the month. The unemployment rate in Idaho peaked in August 2010 at 8.8% and is now 2.6 percentage points lower. From a post peak low of 6.2% in February 2013, the unemployment rate has now grown by 0.0 percentage points. The housing waiting list is generally affected by unemployment rates in the state.

Boise City Ada County Housing Authority Written by Super User 1779
NAMPA Housing Authority Written by Super User 1641