Housing Authorities in Mississippi

State of Housing in MississippiIn addition to the $5,030,141 awarded to Mississippi in March 2013, HUD gave another $675,495 to support the homeless housing and service programs in the state.

Housing Programs

Dollar Homes

The DollarHomes initiative helps local governments to foster housing opportunities for low to moderate income families and address specific community needs by offering them the opportunity to purchase qualified HUD-owned homes for $1 each. Dollar Homes are single-family homes that are acquired by the Federal Housing Administration (FHA) as a result of foreclosure.

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.

Shelter plus Care (S+C)

This program provides rental assistance for homeless people with disabilities, primarily those with serious mental illness,State of Housing in Mississippi 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. Recipients are chosen on a competitive basis nationwide.

Manufactured Homes

HUD insures loans to finance the purchase of manufactured homes or lots. The loans are made by private lending institutions. The maximum loan amount is $69,678 for a manufactured home, $92,904 for a manufactured home and a suitably developed lot, and $23,226 for a developed lot. The maximum limits for combination home and lot loans may be increased up to 85 percent in designated high-cost areas. The maximum loan term varies from 15 to 25 years, depending on the type of loan. Most manufactured home loans are financed through purchases by lenders of retail installment contracts between homebuyers and manufactured home dealers.

Counseling for Homebuyers, Homeowners, and Tenants

HUD provides counseling service 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. The funding helps the approved agencies partially meet their operating expenses.

Good Neighbor Next Door

The Good Neighbor Next Door program promotes safe and strong communities 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.

Self-Help Housing Property Disposition

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.

Nursing Homes and Facilities

Assisted living facilities and board and care facilities may contain no fewer than five one‑bedroom or efficiency units.State of Housing in Mississippi 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

Eligibility for housing choice 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

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.

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.

Lead Hazard Control

This program promotes preventive measures to correct multiple safety and health hazards in the home environment. ItState of Housing in Mississippi 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.

Sustainable Communities Initiative

The Sustainable Communities Initiative consists of two grant programs: Sustainable Communities Regional Planning Grants and Community Challenge Planning Grants. The Initiative also has a research and evaluation program.Research and Evaluation funding is also available, in coordination with the Department of Transportation, to evaluate both grant programs and support sustainable communities planning

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.

Agencies Providing Emergency Rental Assistance in Mississippi

Back Bay Mission

1012 Division Street;
P.O. Box 509
Biloxi, MS 39533-0509,
Phone: (228) 432-0301
Provides mortgage, rent, utility relief, medications, transportation assistance and other miscellaneous items

Madison County Allied Against Poverty (MadCAAP)

P.O. Box 217;
3141 S. Liberty Street
Canton, MS 39046
Phone: (601) 407-1404 or (601) 421-6729
Emergency Assistance Program provides help to clients with food, utilities,rent and prescription medications.

Good Samaritan Center

114 Millsaps Avenue, Jackson, MS 39202
Phone: (601) 355-6276
Focuses on families in crisis who are experiencing an unexpected (yet verifiable) emergency beyond the client's control

Multi-County Community Service Agency

2900 St. Paul Street;
P.O. Box 905
Meridian, MS 39301
Phone: (601) 483-4838 or 1-800-898-0659
Assists in solving real-life problems by enabling families to attain self-sufficiency by addressing problems in the areas of employment, education, health, housing, nutrition, and income management; serves a broad segment of the MCCSA target population ranging from adolescents to the elderly.

MS State Dept. of Health - Division of STD/HIV

570 E. Woodrow Wilson;
PO Box 1700
Osbourne Building, Room 350
Jackson, MS 39215-1700 ;
Phone: (601) 576-7723
HOPWA (Housing Opportunities for Persons with AIDS), provides rental assistance, Information and resources

City of NatchezCatholic Charities

PO Box 1185;
Natchez, MS 39121
Phone: (601) 442-0142
Provides emergency rental assistance through Catholic Charities

Salvation Army, Social Services Office

110 Presto Ln.;
Jackson, MS 39206
Phone: (601) 982-4881
Assist in meeting the immediate presenting need of the individuals who come for help.

Eligibility

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. Often, the income limits for a housing program appear right on the application itself.

Income Limits for Housing Subsidy in Mississippi

FY 2013 Very Low-Income (50%) Limit (VLIL)
Mississippi
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 $48,300 $16,900 $19,300 $21,750 $24,150 $26,100 $28,000 $29,950 $31,900
FY 2013 Extremely Low-Income (30%) Limit (ELIL)
Mississippi
Income Limit Information 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2013 ELIL $10,150 $11,600 $13,050 $14,500 $15,650 $16,800 $17,950 $19,150
FY 2013 Low-Income (80%) Limit (LIL)
Mississippi
Income Limit Information 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2013 LIL $27,050 $30,900 $34,800 $38,650 $41,750 $44,800 $47,900 $51,000

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. Applicants must also pass a criminal background check and may enjoy preferential status if they are:

  • 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 Mississippi

The unemployment rate for Mississippi fell 0.2 percentage points in March 2013 to 9.4%, according to the Bureau of Labor Statistics. The state unemployment rate was 1.8 percentage points higher than the national rate for the month. The unemployment rate in Mississippi peaked in January 2010 at 10.9% and is now 1.5 percentage points lower. From a post peak low of 8.9% in December 2012, the unemployment rate has now grown by 0.5 percentage points.

Unemployment RateMarch 2013Month/MonthYear/Year
National 7.6% -0.1 -0.6
Mississippi 9.4% -0.2 +0.4

Mississippi has a higher rate compared with the national unemployment rate. Please ask your housing agency for details.