Housing Authorities in New Mexico

State of Housing in New MexicoEach housing authority in New Mexico generally has separate housing developments for families, for the elderly, and for people with disabilities.

Designated Housing vouchers

Designated Housing vouchers enable non-elderly disabled families, who would have been eligible for a public housing unit if occupancy of the unit or entire project had not been restricted to elderly families only through an approved Designated Housing Plan, to receive rental assistance. These vouchers may also assist non-elderly disabled families living in a designated unit/project/building to move from that project if they so choose. Once the impacted families have been served, the PHA may begin issuing these vouchers to non-elderly disabled families from their HCV waiting list. Upon turnover, these vouchers must be issued to non-elderly disabled families from the PHA’s HCV waiting list.

Homelessness Prevention

The Homelessness Prevention and Rapid Re-Housing Program (HPRP) is a program designed to prevent families or individuals from becoming homeless and to help those who are homeless to be quickly re-housed. The City of Albuquerque administers HPRP funds within the Albuquerque city limits, while the New Mexico Mortgage Finance Authority (MFA)administers funds for all areas outside of Albuquerque.

Emergency Shelters and Transitional Housing Programs

Emergency shelters and transitional programs provide temporary housing and support services for homeless families and individuals. Shelters give families with children, runaway youth, young parents, and single adult men and women a placeState of Housing in New Mexico to live until they find safe permanent affordable housing. Transitional programs offer homeless families and individuals temporary shelter, while also providing them with the support services they need to become independent.

Section 184 Indian Home Loan Guarantee Program

The Section 184 Indian Home Loan Guarantee Program is a home mortgage specifically designed for American Indian and Alaska Native families, Alaska Villages, Tribes, or Tribally Designated Housing Entities. Section 184 loans can be used, both on and off native lands, for new construction, rehabilitation, purchase of an existing home, or refinance.Working with an expanding network of private sector and tribal partners, the Section 184 Program endeavors to increase access to capital for Native Americans and provide private funding opportunities for tribal housing agencies with the Section 184 Program.To help increase Native access to financing, the Office of Loan Guarantee within HUD’s Office of Native American Programs, guarantees the Section 184 home mortgage loans made to Native Borrowers.

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.

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.

Housing Education

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 law enforcers, teachers,State of Housing in New Mexico firefighters, emergency medical technicians to buy homes and live in “revitalization” communities.

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.

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. It addresses childhood lead-based paint poisoning and other childhood diseases associated with poor housing conditionsState of Housing in New Mexico 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

The HUD-Veterans Affairs Supportive Housing

The HUD-Veterans Affairs Supportive Housing (HUD-VASH) program combines Housing Choice Voucher (HCV) rental assistance for homeless Veterans with case management and clinical services provided by the Department of Veterans Affairs (VA). VA provides these services for participating Veterans at VA medical centers (VAMCs) and community-based outreach clinics.After determining which areas of the country have the highest number of homeless Veterans, the VA Central Office identifies VA facilities in the corresponding communities. HUD then selects PHAs near to the identified VA facilities, taking into consideration the PHAs’ administrative performance, and sends the PHAs invitations to apply for the vouchers.


Income limits for public housing, rent assistance, and other housing-related subsidy are set by the government. They change every year and are different in different parts of the state and for different sized families.

Income Limits for Housing Subsidy in New Mexico

FY 2013 Very Low-Income (50%) Limit (VLIL)
New Mexico
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 $54,200 $18,950 $21,700 $24,400 $27,100 $29,250 $31,450 $33,600 $35,750
FY 2013 Extremely Low-Income (30%) Limit (ELIL)
New Mexico
Income Limit Information 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2013 ELIL $11,400 $13,000 $14,650 $16,250 $17,550 $18,850 $20,150 $21,450
FY 2013 Low-Income (80%) Limit (LIL)
New Mexico
Income Limit Information 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2013 LIL $30,350 $34,700 $39,000 $43,350 $46,850 $50,300 $53,750 $57,250

Applicants for public housing, rent subsidy, or other housing assistance must also pass a criminal background check. They may be given priority 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 New Mexico

The unemployment rate for New Mexico rose 0.1 percentage points in March 2013 to 6.9%. The state unemployment rate was 0.7 percentage points lower than the national rate for the month. It peaked in July 2010 at 8.0% and is now 1.1 percentage points lower.

Unemployment RateMarch 2013Month/MonthYear/Year
National 7.6% -0.1 -0.6
New Mexico 6.9% +0.1 0.0

New Mexico’s unemployment rate is 7% lower than that of the national rate yet it still has an insignificant effect on the housing waiting lists. Please ask your housing agency for details.Your local housing authority can tell you the types of public housing available in your community.

Eastern Regional Housing Authority Written by Super User 1528