Housing Authorities in Ohio

State of Housing in OhioA total of $78,012,999 had been awarded to Ohio from March to May in 2013 to assist the homeless. This is still a modest grant to fund a wide variety of programs from street outreach and assessment programs to transitional and permanent housing for homeless persons and families.

These are just some of the housing programs in Ohio:

Community Housing Improvement Program

Community Housing Improvement Program (CHIP) provides funding to local governments for the improvement and provision of affordable housing for low to middle income families. CHIP funds are distributed in one competitive funding round. A community is allowed to submit only one application in any application round.

Housing Choice Voucher Program

Eligibility for housing choice 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.GranteesState of Housing in Ohio 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.

Community Housing Development Organization Competitive Operating Grant Program

Community Housing Development Organization (CHDO) Competitive Operating Grant Program provides operating support to organizations to continue affordable housing development. The Ohio Housing Finance Agency (OHFA) administers the CHDO, which is funded through the HOME Program.

Housing Development Assistance Program

The Housing Development Assistance Program (HDAP) provides financing for low- and moderate-income citizens for eligible housing developments to expand the supply of decent, safe, affordable housing using HOME funds. The Ohio Housing Finance Agency (OHFA) administers the HDAP, which is funded through the federal HOME Program and Ohio Housing Trust Fund (OHTF).

Neighborhood Stabilization Program

This program comes from a HUD grant to the state to rehabilitate abandoned and foreclosed homes. The Ohio Development' Services Agency administers the Neighborhood Stabilization Program (NSP).

Community Development Block Grant Programs

The Community Development Block Grant Program is administered by the Office of Community Development and provides federal funding to communities to address a variety of needs.

Economic Development Loan Program

Economic Development Loan Program creates and retains permanent, private sector job opportunities for low- and moderate-income citizens through the expansion and retention of business and industry in Ohio communities. Both Fixed Assets Loans and Public Off-site Infrastructure Assistance are available. Non-entitlement cities and counties may apply on behalf of for-profit businesses committing to create at least five jobs within its jurisdiction.

Economic Development Public Infrastructure Grant Program

Economic Development Public Infrastructure Grant Program provides funding to create and retain permanent, private-State of Housing in Ohiosector job opportunities, principally for low-and moderate-income persons, through the expansion and retention of business and industry in Ohio communities.

Neighborhood Revitalization Grant Program

Community Development Block Grant (CDBG) Neighborhood Revitalization Grant Program provides funding for public facilities improvements such as construction, reconstruction, rehabilitation of infrastructure in targeted areas of distress that do not fit within the criteria of other Ohio Small Cities CDBG competitive programs. The program is targeted to distressed communities or areas in Ohio which have a low-and moderate-income (LMI) population of at least 60 percent.

Ohio Housing Trust Fund

The Ohio 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.

First-Time Homebuyer Program

To qualify for the First-Time Homebuyer Program, the applicant must meet at least one of the four qualifying categories:

  • He has never owned real estate;
  • He has not owned or had an ownership interest in his/her principal residence in the last three years;
  • Be a qualified military veteran;
  • Purchase a home in a target area.

Down Payment assistance grant

Eligible borrowers utilizing in the First-Time Homebuyer program, Target Area Loan product, and Ohio Heroes product can use the grant to greatly reduce the out-of-pocket expenses associated with buying a home.

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 aState of Housing in Ohio 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.

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.

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.

Indian Housing

Indian housing assistance (modernization or operating assistance for housing previously developed or operated pursuant to a contract between HUD and an Indian housing authority) include:

  • Development of additional affordable housing;
  • Housing-related services for affordable housing;
  • Management services for affordable housing;
  • Safety, security, and law enforcement measures and activities appropriate to protect residents of affordable housing from crime; and
  • Housing activities under model programs designed to carry out the purposes of the Act, if specifically approved by HUD, as appropriate.

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 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.ResearchState of Housing in Ohio 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. 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.

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.

Eligibility

There are basic requirements to qualify for public housing, rent assistance, or any other housing subsidy. 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.

Income Limits for Housing Subsidy in Ohio

FY 2013 Very Low-Income (50%) Limit (VLIL)
Ohio
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 $60,100 $21,050 $24,050 $27,050 $30,050 $32,450 $34,850 $37,250 $39,650
FY 2013 Extremely Low-Income (30%) Limit (ELIL)
Ohio
Income Limit Information 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2013 ELIL $12,600 $14,400 $16,250 $18,050 $19,450 $20,900 $22,350 $23,800
FY 2013 Low-Income (80%) Limit (LIL)
Ohio
Income Limit Information 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2013 LIL $33,650 $38,450 $43,250 $48,100 $51,950 $55,750 $59,600 $63,450

Unemployment Rate in Ohio

The unemployment rate for Ohio fell 0.1 percentage points in April 2013 to 7.0%. The state unemployment rate was 0.5 percentage points lower than the national rate for the month. It peaked in July 2009 at 10.6% and is now 3.6 percentage points lower. From a post peak low of 6.7% in December 2012, the unemployment rate has now grown by 0.3 percentage points.

Unemployment RateApril 2013Month/MonthYear/Year
National 7.5% -0.1 -0.6
Ohio 7.0% -0.1 -0.3

The demand for housing and rent subsidy programs generally exceeds the available supply of funds. Please ask your housing agency for details about these housing programs outlined above.