Housing Authorities in Michigan

State of Housing in MichiganThe Detroit Office of Public Housing is responsible for the administration of all Public Housing programs in the State of Michigan. The Department's public housing programs support a broad range of local projects in the State through a variety of partnerships involving 132 Public Housing Authorities, non-profit organizations, and community groups. These programs aid low and moderate-income persons by providing housing subsidies and services, rehabilitation of current PH properties, and the improvement of public housing facilities.The Detroit HA is responsible for the oversight and monitoring of the 132 Public Housing Authorities in the State of Michigan that administer PH programs, including the Housing Choice Voucher Program.

Home Repair Program

Michigan provides home repair services to use the grant funds provided by the Department of Housing and Urban Development (HUD), to assist homeowners with their home repair needs, eliminate lead-based paint hazards, and address structural defects effecting health and safety of its residents.

Lead Hazard Reduction Program

The Lead Hazard Remediation Program services low-income, owner-occupants of single-family homes. The program particularly identifies and assists those households with children under six years of age, especially those with an elevated blood lead level (EBLL).The program is restricted to the reduction of lead hazards and repairs associated with the lead hazard and to correct serious code violations and/or emergency repairs.The maximum funding is $24,950 per property.

American Dream Down Payment Initiative (ADDI)

Michigan offers down payment assistance to potential homeowners with low-income who meet the following criteria:

  • Must be a first-time home buyer.
  • Must be 18 years or older
  • Home buyer must occupy the property as a primary residence
  • Home buyer is required to make a 1% cash contribution from his/her own funds
  • Home buyer must complete an approved home buyer counseling course

Multi-Family, Homebuyers and CHDOS Programs

The Multi-Family Investor, Homebuyers and Community Housing Development Organizations (CHDO) are programsState of Housing in Michigan funded through the U.S. Department of Housing and Urban Development's HOME Program, which seeks to provide permanent affordable housing opportunities for low and moderate-income individuals and families.Funds are for the new construction or rehabilitation of multi-family rental projects with 20 or more units or, for-sale housing with 10 or more units. Currently, funds are limited to Projects that can demonstrate the ability to begin construction within six months of the HOME commitment.

Shelter plus Care (S+C)

S+C program provides rental assistance for homeless people with disabilities, primarily those with serious mental illness, chronic problems with alcohol and/or drugs, and acquired immunodeficiency syndrome (AIDS), and related diseases. Rental assistance grants must be matched in the aggregate by supportive services that are equal in value to the amount of rental assistance and appropriate to the needs of the population to be served.

Counseling for Homebuyers, Homeowners, and Tenants

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.

Good Neighbor Next Door

The Good Neighbor Next Door program encourages professionals to buy and reside in revitalization communities that need their professional contribution for the development of the community. 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. 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 Energy Efficient Mortgage program (EEM) helps homebuyers or homeowners save money on utility bills by enablingState of Housing in Michigan them to finance the cost of adding energy efficiency features to new or existing housing. The borrower may be qualified for the loan without the additional loan funds used for energy upgrades, but must make a 3.5 percent cash investment in the property based on the lesser of sales price or appraised value.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.

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).

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: (1) a national competition with other properties for a limited amount of grant funding, (2) the use of the development's residual receipts or excess income, or (3) budget-based rent increases or special rent adjustments.

Housing Choice Voucher Program

At 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 theState of Housing in Michigan 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.

Eligibility

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.

Income Limits

FY 2012 Very Low-Income (50%) Limit (VLIL)
Michigan
Income Limit Information Median Family Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2012 VLIL $60,400 $21,150 $24,150 $27,200 $30,200 $32,600 $35,050 $37,450 $39,850
FY 2012 Extremely Low-Income (30%) Limit (ELIL)
Michigan
Income Limit Information 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2012 ELIL $12,700 $14,500 $16,300 $18,100 $19,550 $21,000 $22,450 $23,900
FY 2012 Low-Income (80%) Limit (LIL)
Michigan
Income Limit Information 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2012 LIL $33,800 $38,650 $43,500 $48,300 $52,200 $56,050 $59,900 $63,800

The income limits for public housing and vouchers are set by the government. They change every year and are different in different parts of the state and for different sized families. Applicants must be: 1) Income eligible, 2) Pass a criminal background check, Those with preferential status include:

  • 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.

Unemployment Rate in Michigan

The unemployment rate for Michigan fell 0.3 percentage points in March 2013 to 8.5%. The state unemployment rate was 0.9 percentage points higher than the national rate for the month. The unemployment rate in Michigan peaked in August 2009 at 14.2% and is now 5.7 percentage points lower.

Unemployment RateMarch 2013Month/MonthYear/Year
National 7.6% -0.1 -0.6
Michigan 8.5% -0.3 -0.5

The housing waiting lists grow along with the increase in unemployment rate. For more information, contact your housing authority.