Housing Authorities in Kentucky

State of Housing in KentuckyIn addition to the $17,524,036 awarded to Kentucky during the first quarter of 2013, HUD awarded an additional $230,583 to support 2 local homeless housing and service programs in Kentucky

Affordable housing programs

Rental Assistance

Rental assistance programs offer very low income residents an opportunity to find decent housing at an affordable price. Kentucky Department of Housing administers many federal rental assistance programs throughout the state. The U.S. Department of Housing and Urban Development (HUD) pays a portion of the resident's rent (subsidy) and the resident pays the rest (usually 30 to 40 percent of their income). The most widely used programs are the Project-Based Rental Administration and the Housing Choice Voucher Program (Section 8).

Rural Housing Guaranteed Loan

Applicants for loans may have an income of up to 115% of the median income for the area. Area income limits for this program are here. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance. In addition, applicants must have reasonable credit histories.

Rural Housing Direct Loan

Section 502 loans are primarily used to help low-income individuals or households purchase homes in rural areas. FundsState of Housing in Kentucky can be used to acquire, build (including funds to purchase and prepare sites and to provide water and sewage facilities), repair, renovate or relocate a home.

Rural Repair and Rehabilitation Loan and Grant

The Very Low-Income Housing Repair program provides loans and grants to very low-income homeowners to repair, improve, or modernize their dwellings or to remove health and safety hazards. Rural Housing Repair and Rehabilitation Grants are funded directly by the Government. A grant is available to dwelling owner/occupant who is 62 years of age or older. Funds may only be used for repairs or improvements to remove health and safety hazards, or to complete repairs to make the dwelling accessible for household members with disabilities.

Mutual Self-Help Loans

The Section 502 Mutual Self-Help Housing Loan program is used primarily to help very low- and low-income households construct their own homes. The property must be used for self-help housing for low-income persons. Residents of the property must make a 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.

Rural Housing Site Loans

Rural Housing Site Loans are made to provide financing for the purchase and development of housing sites for low- and moderate-income families.

Housing Application Packaging Grants

Housing Application Packaging Grants provide government funds to tax-exempt public agencies and private non-profit organizations to package applications for submission to Housing and Community Facilities Programs.

Self-Help Technical Assistance Grants

This program provides Self-Help Technical Assistance Grants to qualified nonprofit organizations and public bodies that will aid needy very low and low-income individuals and their families to build homes in rural areas by the self-help method. Any State, political subdivision, private or public nonprofit corporation is eligible to apply.


The objective of this program is to assist low-income rural families in obtaining adequate housing to meet their family'sState of Housing in Kentucky needs and/or to provide the necessary guidance to promote their continued occupancy of already adequate housing. These objectives will be accomplished through the establishment or support of housing delivery and counseling projects run by eligible applicants.Counseling consists of information 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. The objective of the counseling is to help homebuyers, homeowners, and tenants to improve their housing conditions and to meet their responsibilities.

Continuum of Care

Continuum of Care (CoC) is a term that refers to the comprehensive approach of addressing homelessness by providing a continuum of housing programs and services. These services include outreach, intake and assessment; emergency shelter services; transitional housing services; and permanent supportive housing for people with disabilities. HOPWA housing support enables the special-needs households to establish or maintain stable housing, reduce their risks of homelessness, and improve their access to healthcare and other support. Housing assistance provides the foundation from which these individuals and their families may participate in advances in HIV treatment and related care.

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. If the home needs repairs, the purchaser may also use FHA's Section 203(k) mortgage program.

Supportive Housing for the Elderly

Capital advances are made to eligible private, nonprofit sponsors and, in cases of mixed-finance, for-profit limited partnerships where the sole general partner is (i) a nonprofit organization or (ii) a for-profit corporation wholly owned and controlled by one or more nonprofit organizations; or (iii) a limited liability company wholly owned and controlled by one or more nonprofit organizations to finance the development of rental housing with supportive services for the elderly. The advance is interest free and does not have to be repaid so long as the housing remains available for very low-income elderly persons for at least 40 years.

Assisted-Living Conversion Program

This program provides funding for the physical costs of converting some or all of units in an eligible development into anState of Housing in Kentucky 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.

Emergency Capital Repairs Program

This program provides grants for substantial capital repairs to eligible multifamily projects with elderly tenants that are needed to rehabilitate, modernize, or retrofit aging structures, common areas, or individual dwelling units. The capital repair needs must relate to items that present an immediate threat to the health, safety, and quality of life of the tenants. The intent of these grants is to provide one-time assistance for emergency items that could not be absorbed within the project's operating budget, and where the tenants' continued occupancy in the immediate future would be called into question by a delay in initiating the proposed cure.

Cooperative Housing

Cooperative housing loans may finance new construction, rehabilitation, acquisition, improvement, or repair of a project already owned, and resale of individual memberships; construction of projects composed of individual family dwellings to be bought by individual members with separate insured mortgages; and construction or rehabilitation of projects that the owners intend to sell to nonprofit cooperatives.

Nursing Homes and Facilities

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. Facilities for day care may be included.

Housing Choice Voucher Program

State of Housing in KentuckyAt least 75 percent of the families admitted to a public housing agency's (PHA) Housing Choice Voucher program during the PHA's fiscal year must have income at or below 30 percent of the area median income. In general, eligibility for vouchers is limited to: (1) Very low-income families; (2) Low-income families previously assisted under the public housing, Section 23, or Section 8 project-based housing programs; (3) Low-income families that are non-purchasing tenants of certain homeownership programs; (4) Low-income tenants displaced from certain Section 221 and 236 projects; or (5) 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

The Choice Neighborhoods initiative demonstration program provides competitive grants to transform neighborhoods of extreme poverty with public and HUD-assisted housing into functioning, sustainable mixed-income neighborhoods with appropriate services, public assets, transportation and access to jobs, and schools, including public schools, community schools, and charter schools.

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. Grantees shall create partnerships with other local organizations including assisted housing owners, service agencies and resident organizations.

Public Housing Homeownership

This new public housing homeownership program was established by Section 32 of the U.S. Housing Act of 1937, whichState of Housing in Kentucky was added by the Quality Housing and Work Responsibility Act of 1998. The new public housing homeownership program (the Section 32 program) replaces the public housing homeownership program that was authorized by Section 5(h) of the U.S. Housing Act of 1937. The new statutory program was patterned largely after HUD’s regulations that implemented the Section 5(h) program. The program offers public housing agencies (PHAs) a flexible way to sell public housing units to low-income families, with preference given to current residents of the unit(s) being sold. The program helps low-income families purchase homes through an arrangement that benefits both the buyer and the public housing agency that sells the unit. It gives the buyer access to an affordable homeownership opportunity and to the many tangible and intangible advantages it brings, while permitting PHAs to sell individual units and developments that may, due to their location or configuration, be more suitable for homeownership than for rental housing. PHAs can retain and reuse the proceeds of the sale of public housing units to meet other low-income housing needs.

Family Self-Sufficiency Program

The Family Self-Sufficiency (FSS) program is administered by public housing agencies (PHAs) with the help of program coordinating committees (PCCs). The PCC usually consists of representatives of local government, employment and job training agencies, welfare agencies, nonprofit providers, local businesses, and assisted families. Supportive services most commonly provided to FSS program participants are child care, transportation, remedial education, and job training. Each PHA that received FSS bonus funding in the early 1990s or funding for additional public housing rental units or Housing Choice Vouchers between October 1, 1992, and October 20, 1998, was required to establish an FSS program. PHAs may also establish voluntary FSS programs.

Indian Housing Block Grant (IHBG) Program

The IHBG program authorizes housing assistance under a single block grant to eligible Indian tribes or their tribally designated housing entities (TDHEs). Eligible tribes include both federally recognized and those state-recognized Indian tribes formerly eligible under the U.S. Housing Act of 1937. The allocation is made under a needs-based formula. The tribe must submit, for HUD’s review for compliance, an annual Indian housing plan containing the goals, mission, and methodology by which the recipient will accomplish its objectives during the grant period. The program began in Fiscal Year 1998.

Federal Guarantees for Financing for Tribal Housing Activities (Title VI)

This program authorizes HUD, through the Office of Native American Programs, to guarantee obligations issued by tribesState of Housing in Kentucky or tribally designated housing entities (TDHEs) with tribal approval, to finance eligible affordable housing activities under Section 202 of the Native American Housing Assistance and Self-Determination Act (NAHASDA) and housing-related community development activities consistent with the purposes of NAHASDA. No guarantee could be approved if the total outstanding obligations exceed five times the amount of the grant for the issuer, taking into consideration the amount needed to maintain and protect the viability of housing developed or operated pursuant to the U.S. Housing Act of 1937.

Fair Housing and Equal Opportunity

Section 184 of the Housing and Community Development Act of 1992 established a loan guarantee program for Indian families, Indian housing authorities (IHAs), and Indian tribes. The purpose of the program is to provide access to private mortgage financing to Indian families, IHAs, and Indian tribes that could not otherwise acquire housing financing because of the unique legal status of Indian lands. The loans guaranteed under the program are used to construct, acquire, refinance, or rehabilitate single family housing located on trust land or land located in an Indian or Alaska Native area. The program authorizes Indian tribes to assume responsibility for federal environmental reviews. This guarantee authority is freestanding and has its own guarantee fund.

Healthy Homes and Lead Hazard Control

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. It promotes preventive measures to correct multiple safety and health hazards in the home environment through several components:


To be eligible to live in state public housing, a household 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.

  • Tenants residing in elderly/handicapped public housing pay 30% of net income and do not pay for any utilities.
  • Tenants residing in the family public housing development pay 30% of net income and pay for some utilities.
  • Tenants residing at our "off-site" family housing program pay 32% of net income and do not pay for any utilities.

Income Limits in Kentucky

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

Unemployment Rate in Kentucky and Housing Waiting Lists

The state unemployment rate was 0.4 percentage points higher than the national rate for the month. The unemployment rate in Kentucky peaked in July 2009 at 10.7% and is now 2.7 percentage points lower. From a post peak low of 7.9% in January 2013, the unemployment rate has now grown by 0.1 percentage points.

Unemployment RateMarch 2013Month/MonthYear/Year
National 7.6% -0.1 -0.6
Kentucky 8.0% +0.1 -0.2

Unemployment rate affects the need for public housing and rent assistance. It also bloats housing waiting lists.

Housing Authority of Covington Written by Super User 1515
Housing Authority of Danville (Boyle County) Written by Super User 1678
Housing Authority of Glasgow Written by Super User 1602
Louisville Metro Housing Authority Written by Super User 1647
Housing Authority of Murray Written by Super User 1646
The Housing Authority of Pikeville Written by Super User 1518