Housing Authorities in Oregon

State of Housing in OregonTo ensure the continued operation of its housing programs, Oregon received the following housing grants from HUD this year:

Oregon State Health Authority / OR-503 - REN - Central Oregon Continuum of Care Portland $16,301
Washington County Department of Housing Services / OR-506 - REN - SPC TRA Homeless Families Renewal OR16C706004 Hillsboro $87,372
Clackamas Women's Services, Inc. / OR-507 - REN - Permanent Supportive Housing Project for Survivors of Domestic and Sexual Violence Oregon City $59,837
Total Oregon Grant $163,510

Community Building Programs

Community Service Block Grant (CSBG)

The CSBG Program, funded by the Department of Health and Human Services provides operating and program funds for community-based organizations called Community Action Agencies.

Manufactured Communities Resource Center

This program assists park owners and residents in resolving concerns associated with their parks and living situationsState of Housing in Oregon through informal dispute resolution, and to engage in activities that may lead to improvements in manufactured dwelling park relationships.

Oregon Commission for Voluntary Action and Service

The Oregon Volunteers, housed within OHCS, has the mission to promote and support AmeriCorps, volunteerism, and civic engagement in order to strengthen Oregon communities. The program is funded by the Corporation for National and Community Service (CNCS).

Low Income Weatherization Assistance Program

The Low Income Weatherization Assistance Program provides weatherization and energy conservation services at no cost to households below 60% of Oregon statewide median income.

Low Income Energy Assistance Program

The Low Income Energy Assistance Program (LIEAP) is a federally funded program through the US Department of Health and Human Services designed to help low income households with home heating costs.

Energy and Weatherization

Oregon Energy Assistance Program

The Oregon Energy Assistance Program provides low-income Oregonians with electric bill payment assistance. This program is delivered primarily through Community Action Agencies.

Homelessness Prevention

Continuum of Care

The Continuum of Care Program brings together OHCS, Community Action Directors of Oregon, County mental health agencies, and homeless housing and service providers from around the state, to develop projects that address the gaps identified in the Continuum of Care systems comprised of 26 rural counties in the state of Oregon.

Emergency Housing Account

Created in 1991, the Emergency Housing Account assists persons who are homeless, or at risk of becoming homeless. Program funds are used to fund the Emergency Housing Program that provides services such as emergency shelter, transitional housing, support services, rent, utility, and mortgage assistance to low income Oregonians that are homeless or at-risk of being homeless.

Emergency Shelter Grant Program

The Emergency Shelter Grant Program began in 1987 as part of the McKinney-Vento Act administered by HUD. ProgramState of Housing in Oregon funds are used to increase the bed capacity of emergency shelters and to support homeless prevention activities.

Housing Stabilization Program

This program is designed to provide assistance to low-and very-low income homeless or at-risk households with children. OHCS distributes funds to designated lead agencies based on the number of homeless and at-risk population in each geographic region to supplement existing funds or create new programs for services such as shelter, rent, utilities, mortgage, food, child care, transportation, health services and case management.

State Homeless Assistance Program

Created by the 1987 Oregon Legislature, the State Homeless Assistance Program is designed to fund emergency shelter and auxiliary services directly related to emergency shelters.

Homeownership Programs

Downpayment Assistance Program

Program funds provide eligible homebuyers with assistance with the down payment, closing costs, or other means to make ownership feasible, as well as to assure home ownership education.

Homebuyer Program (Oregon Bond Program)

The Residential Loan Program is a below-market-rate home loan program made possible through the sale of tax-exempt mortgage revenue bonds. Working through a network of lenders, the program assists first-time homebuyers, that meet certain income restrictions, by offering attractive interest rates, usually .75 percent to one percent below the market rate. The program also assists with down-payment and/or closing costs.

Multifamily Loan Assistance

Elderly and Disabled Loan Program (E&D)

The Elderly & Disabled Loan Program provides below-market interest rate permanent mortgage loans by issuing tax-exempt bonds. The program finances apartments, congregate care, residential care, and assisted living facilities for the elderly, as well as group care homes for the mentally or physically disabled.

Loan Guarantee Program

The Loan Guarantee Program provides guarantees to lenders and lease guarantees to sponsors by the financing of new housing construction, or acquisition and/or rehabilitation of existing housing, for low- and very-low-income households.

Mobile Home Park Purchase Program

The MHPP program is a revolving loan program that provides low interest prepurchase financing to park residents for the acquisition of their park.

Oregon Rural Rehabilitation Loan Program

The Oregon Rural Rehabilitation Loan Program is a low-interest loan program for the development and preservation of farmState of Housing in Oregon worker housing.

Pass-Through Revenue Bond Financing Program (Conduit)

The Program provides tax-exempt bond funds to finance the construction, rehabilitation and acquisition of multi-unit affordable housing for lower-income Oregonians while providing sufficient safeguards to protect the financial interest of the bond issuer. The program provides additional flexibility in the loan structure and providing an efficient process for underwriting and loan approval.

Predevelopment Loan Program

The Predevelopment Loan Program, similar to the Seed Money Loan Program, provides below market financing on flexible terms for site acquisition and predevelopment costs.

Risk Sharing Loan Program

The Risk Sharing Loan Program provides below-market interest rate, permanent mortgage loans by issuing tax-exempt bonds. A partnership between the US Department of Housing and Urban Development and OHCS provides credit enhancement on the tax-exempt bonds.

Seed Money Advance Loan Program

The Seed Money Advance Loan Program is a $250,000 non-budgeted revolving loan program that provides no-interest loans to qualified non-profits and interest-bearing loans to for-profit borrowers.

Vertical Housing Program

The program encourages mixed-use commercial / residential developments through a partial property tax exemption in areas designated by communities.

Rental Housing Assistance

HOME Tenant-Based Assistance Program (HTBA)

The HOME Tenant-Based Assistance program utilizes federal funds to subsidize rental payments for very low-income families and individuals. HOMETBA provides households with transitional rental assistance and case management to assist them in achieving self-sufficiency.

Low-Income Rental Housing Fund Program (LIRHF)

The Low-Income Rental Housing Fund program provides very low-income households with transitional rental assistance and case management to assist them in achieving self-sufficiency. Find program help in your area.

Rent Guarantee Program

Many agencies provide tenant readiness classes to low-income persons with poor credit histories or rental performance problems. Class graduates may be eligible to use the OHCS Rent Guarantee Program in addition to their graduationState of Housing in Oregon certificate. The Rent Guarantee offers the landlord reimbursement of unpaid rent and/or damage to the rental unit. The program helps to place hard-to-house individuals in permanent housing.

Section 8 Project-Based Assistance

Section 8 Project-Based Assistance funds, by the Housing and Urban Development (HUD) agency, are passed through Oregon Housing and Community Services for rental assistance to qualified low-income Oregonians. Funds are dedicated to specific housing projects that have contracts with HUD to provide rental subsidy assistance.

Income Limits for Housing Subsidy in Oregon

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. The following income limits are set for low income families in Oregon:

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 $60,200 $21,250 $24,300 $27,300 $30,350 $32,800 $35,200 $37,650 $40,050
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 $12,750 $14,550 $16,350 $18,200 $19,650 $21,100 $22,550 $24,000
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 $34,000 $38,850 $43,700 $48,550 $52,450 $56,300 $60,200 $64,100

Unemployment Rate in Oregon

The unemployment rate for Oregon is one of the highest among all other states. Itpeaked in May 2009 at 11.6% and is now 3.6 percentage points lower. It fell 0.2 percentage points in April 2013 to 8.0%. The state unemployment rate was 0.5 percentage points higher than the national rate for the month of April 2013.

Unemployment RateMarch 2013Month/MonthYear/Year
National 7.5% -0.1 -0.6
Oregon 8.0% -0.2 -0.8

A state’s unemployment rate generally affects its housing waiting lists. The higher the unemployment rate, the longer its waiting list. Please ask your housing agency for details of the programs you are interested in.