Low income housing for disabled people: every program explained

Last updated 2026-07-09

What housing programs exist specifically for disabled low-income people?

There is no single "disabled housing program." What exists is a cluster of overlapping federal, state, and local programs, each with its own eligibility rules, funding source, and application process. Knowing which layer you're in is step one, because applying to the wrong one burns time you may not have.

Five programs do most of the work for disabled low-income renters:

1. Housing Choice Vouchers (Section 8), run by local Public Housing Agencies (PHAs). These are tenant-based, so the subsidy moves with you when you move. ^[1] 2. Section 811 Supportive Housing for Persons with Disabilities, a HUD program that funds dedicated affordable units inside apartment developments, with services attached. ^[2] 3. Public housing operated directly by a PHA, where rent is capped at roughly 30% of adjusted income. 4. Non-Elderly Disabled (NED) vouchers and Mainstream vouchers, special HCV allocations HUD grants directly to PHAs to serve working-age disabled people faster than the general waitlist. ^[3] 5. Low Income Housing Tax Credit (LIHTC) properties, privately owned but subsidized through tax credits. Many set aside units for disabled households at or below 60% AMI. ^[4]

Below those sits a web of state rental assistance programs, city-funded set-asides, and HUD-funded permanent supportive housing (PSH) for people coming out of homelessness. This article covers all of them. The federal five above serve the most people.

For the wider rental assistance picture that feeds into all of this, see our guide to rental assistance.

Who qualifies as disabled for HUD housing programs?

HUD's definition of disability for housing sits in 42 U.S.C. § 3602(h) and applies across most of its programs. Under that statute, a person has a disability if they have "a physical or mental impairment which substantially limits one or more major life activities," or a record of such impairment, or is regarded as having one. ^[5]

For the Housing Choice Voucher program, 24 CFR § 5.403 defines a person with disabilities as someone whose disability is expected to be long-continued and of indefinite duration, substantially impedes their ability to live independently, and is of a nature that could be improved by more suitable housing. The condition must be severe enough to meet Social Security Administration criteria, or be a developmental disability under the Developmental Disabilities Assistance and Bill of Rights Act, or be a mental or emotional impairment meeting similar criteria. ^[6]

Plain version: getting SSI or SSDI is usually strong evidence, but it isn't the only route. Someone with a permanent physical impairment who draws no Social Security can still qualify. PHAs may ask for a letter from a licensed health or mental health professional. They cannot ask for your specific diagnosis, your medical records, or the nature of your disability beyond what confirms eligibility. The Fair Housing Act protects that line.

Income limits matter too, separate from disability. For most HCV programs you must be at or below 50% of the Area Median Income (AMI) for your area at admission. Some slots require 30% AMI or below ("extremely low income"). HUD publishes updated income limits every year on HUD User's income limit page. ^[7]

Age matters for Section 811. That program serves non-elderly adults with disabilities, meaning adults aged 18 to 61 at admission in most project types.

How do Housing Choice Vouchers work for disabled tenants?

A Housing Choice Voucher covers the gap between what you can afford (roughly 30% of your adjusted monthly income) and the market rent for a qualifying unit, up to the PHA's payment standard for your bedroom size. You find your own unit on the private market. ^[1]

Disabled tenants have several features most voucher holders never hear about:

Reasonable accommodation requests. If you need a larger unit for medical equipment, a live-in aide, or other disability-related reasons, you can ask the PHA to approve a larger voucher. This is a reasonable accommodation under the Fair Housing Act and must be granted when the need is disability-related. ^[5]

Live-in aide allowances. A live-in aide's income is excluded from the household income calculation. That person also doesn't count toward household size for subsidy the way a family member does.

Accessibility requirements. During HCV inspection, the inspector checks that the unit meets Housing Quality Standards (HQS) under 24 CFR Part 982. If your disability calls for accessible features, you can ask the PHA to help find units that meet them, or ask the landlord to permit modifications (paid by you under HCV, though some state programs and Section 811 may fund modifications separately).

Extended voucher terms. Standard search periods run 60 to 120 days. PHAs can extend that as a reasonable accommodation for disabled holders who need more time to find an accessible unit. Ask for the extension in writing before your voucher expires.

To find a PHA and check whether its waiting list is open, use our guide on open Section 8 waiting lists. Most people find the voucher is the most flexible option because it travels with them. The catch is the wait. The Urban Institute estimates typical HCV waits at 1.5 to 3 years nationally, and high-cost cities can run past a decade. ^[8]

What is Section 811 and how is it different from Section 8?

Section 811 is HUD's supportive housing program for people with significant disabilities. It's authorized under the Cranston-Gonzalez National Affordable Housing Act of 1990 (42 U.S.C. § 8013) and differs from the voucher program in a few ways that matter. ^[2]

First, Section 811 is project-based, not tenant-based. Units are built or designated inside apartment communities specifically for this program. You apply to those specific properties, not to a general pool. Second, many Section 811 developments include access to supportive services, though joining those services is voluntary. HUD's 2012 Section 811 Project Rental Assistance model let states fund 811 units inside mainstream mixed-income housing, which is how most new 811 units get created now. ^[2]

Who is it for? Adults with significant disabilities at or below 50% AMI. Unlike public housing or HCV, Section 811 targets working-age non-elderly people, so elderly applicants usually get pointed elsewhere (see our companion piece on low income senior housing).

The catch is inventory. HUD data puts the Section 811 stock at roughly 25,000 units nationally. Set that against the 2.3 million households the HCV program serves ^[1], and you see why most disabled renters end up on the HCV waitlist rather than the 811 one. Still, if an 811 property exists in your city, apply. Its waitlist is separate and sometimes shorter.

To find Section 811 properties near you, contact your state HUD office or search HUD's multifamily housing property database at hud.gov. ^[2]

What are NED vouchers and Mainstream vouchers, and how do they help?

These two voucher types are the fastest route to housing help for many disabled non-elderly adults, and most people have never heard of them.

Non-Elderly Disabled (NED) vouchers are HCV allocations HUD awards to PHAs specifically for non-elderly people with disabilities, including those moving out of institutions, nursing facilities, or supportive housing programs. Because NED vouchers carry their own funding stream, PHAs often keep a separate and shorter waitlist for them. If your PHA has NED vouchers, ask about that waitlist by name. ^[3]

Mainstream vouchers are another HCV allocation aimed at non-elderly people with disabilities who are at risk of homelessness or institutionalization, or already experiencing either. HUD runs competitive Mainstream funding rounds. PHAs apply, and if awarded, they open a separate pool. The 2022 Consolidated Appropriations Act funded roughly 4,000 new Mainstream vouchers, for one example. ^[3]

Both use the same lease and subsidy mechanics as a standard HCV. The difference is who can reach them and how fast. A PHA's general HCV waitlist might have 10,000 households ahead of you. Its NED or Mainstream list might have 200.

Call your local housing authority and ask flatly: "Do you administer NED or Mainstream vouchers, and is that waitlist open?" Most PHA websites bury this.

How does public housing serve disabled residents?

Public housing is owned and managed directly by PHAs. Rent runs 30% of adjusted monthly income with no upper market limit, which can make it far cheaper than a subsidized market unit for very low-income households.

Two things matter most for disabled applicants:

Preferences. Most PHAs give admission preferences to certain groups, and disability is a common one. Under 24 CFR § 960.206, PHAs may set local preferences, and many apply them to people with disabilities at risk of institutionalization or homelessness. Qualify for that preference and you move up the list. ^[6]

Accessibility modifications. Section 504 of the Rehabilitation Act of 1973 requires PHAs to make reasonable modifications to public housing units for disabled tenants at no cost to the tenant. That goes further than the private market, where you usually pay for your own modifications. PHAs must also keep a minimum share of fully accessible units (5% mobility-accessible, 2% for vision or hearing) under 24 CFR Part 8. ^[9]

The downside is shrinking inventory. Public housing fell from roughly 1.4 million units in the 1990s to about 900,000 today, driven by demolitions and conversions under the Rental Assistance Demonstration (RAD) program. That conversion actually helped some disabled residents, because RAD properties, now project-based voucher units, still have to keep accessibility under Section 504. ^[9]

If your city's PHA runs public housing, apply for both the public housing waitlist and the HCV waitlist at the same time. No rule bars it, and whichever opens first wins.

What housing options exist for disabled people in Philadelphia and other major cities?

Low income housing for disabled residents in Philadelphia runs through the Philadelphia Housing Authority (PHA), which manages one of the largest public housing portfolios in the country and also administers HCVs for the city. PHA reports serving over 80,000 residents across its combined programs. ^[10]

For disabled applicants in Philly:

• PHA's HCV waitlist opens periodically by lottery. Disabled applicants may qualify for the disability preference, which can shorten the actual wait once selected.
• The city's Office of Homeless Services funds Permanent Supportive Housing (PSH) beds, some designated for people with disabilities.
• Section 811 units exist inside several mixed-income developments coordinated by the Pennsylvania Housing Finance Agency (PHFA), which works with HUD on 811 Project Rental Assistance awards. ^[10]
• Philadelphia also has HUD-funded multifamily properties (older Section 8 project-based contracts) that serve disabled residents with rents capped through long-term HAP contracts.

Other big cities follow similar shapes. The New York City Housing Authority (NYCHA) has a disability application pathway. The Chicago Housing Authority uses a preference for non-elderly disabled applicants. In Los Angeles, HACLA administers HCVs and works with the county on Mainstream vouchers.

One piece of advice holds everywhere: don't limit yourself to one PHA. In metros spanning several counties (Greater Philadelphia includes Delaware, Chester, Montgomery, and Bucks counties), each county PHA runs its own waitlist. If a suburban PHA has a shorter wait, take it, especially if you can port a voucher later. Our page on the Section 8 program covers porting rules.

Once you hold a voucher, section 8 houses for rent and tools like go section 8 help you search the private market.

How do LIHTC (tax credit) properties factor into disabled housing?

The Low Income Housing Tax Credit program is the biggest source of affordable rental housing funding in the United States, producing roughly 110,000 to 120,000 units a year. ^[4] LIHTC properties are privately owned but restrict rents and incomes as a condition of the credit.

Disabled renters can use them two ways:

As standalone affordable units. If your income is low but steady, you can rent directly from a LIHTC property without a voucher. Rents cap at 30% of 60% AMI (or 50% AMI for deeper targeting). No voucher needed. Income verification applies and waitlists exist, but they usually run separate from PHA waitlists.

As voucher-compatible units. LIHTC units can accept HCV vouchers. When they do, your voucher covers the gap between your rent share and the unit's LIHTC rent. The rent must stay within the PHA's payment standard, and the unit must pass HQS inspection.

Many Section 811 units now sit inside LIHTC developments, so you'll see properties advertising both designations. When a development draws both LIHTC equity and Section 811 funding, some units are general LIHTC affordable units and some are 811-designated, with the 811 units held for non-elderly disabled applicants.

The National Council of State Housing Finance Agencies (NCSHA) publishes state-by-state LIHTC data. Your state Housing Finance Agency website is usually the best place to search LIHTC properties by location. ^[4]

What other federal and state programs supplement housing for disabled people?

Beyond the big five, several programs fill gaps or speed up access:

HUD-VASH (Veterans Affairs Supportive Housing). For disabled veterans, this is HCV plus case management. The Department of Veterans Affairs and HUD run it jointly. Waitlists often run much shorter than general HCV. ^[1]

USDA Section 515 / Section 521. In rural areas, USDA runs its own rental program for low-income households, disabled tenants included. These are rural multifamily properties with rents subsidized through USDA Rural Development. Little-known, but worth a check if you're in a rural county.

State rental assistance programs. Many states layer their own programs on top of federal ones. Pennsylvania's PHFA runs mortgage and rental assistance components. California's HCD administers several disability-specific housing funds. Check your state housing finance agency's website.

Medicaid HCBS (Home and Community Based Services) waivers. These don't pay rent. They fund the services that make an ordinary apartment livable (personal care attendants, home health). For someone with heavy care needs, an HCBS waiver can decide between living in the community and living in a nursing facility. Medicaid HCBS runs at the state level through CMS waivers. ^[11]

Permanent Supportive Housing (PSH). HUD's Continuum of Care (CoC) program funds PSH for people experiencing chronic homelessness, many of them disabled. CoC-funded PSH pairs a housing subsidy with intensive services. Applications go through your local CoC or homelessness services agency, not a PHA. ^[12]

VoucherReady's free eligibility tools help you spot which programs are open near you and build an application checklist for your situation.

How long is the wait and what should you do while waiting?

Nobody has clean national data on wait times by disability status. The closest numbers: HUD's Worst Case Housing Needs 2021 report found 8.5 million very low-income renter households with severe housing needs, and only about one in four eligible households gets any federal rental assistance. ^[13] The Urban Institute and others estimate average HCV waits of 1.5 to 3 years nationally, with high-demand cities (New York, Los Angeles, San Francisco, Washington D.C.) running 5 to 12 years. ^[8]

Here's what to do while you wait:

Apply everywhere at once. Get on your PHA's HCV waitlist, its public housing waitlist, and any Section 811 or LIHTC property waitlists you find. Each is independent. Multiple lists cost nothing and cut your expected time to housing.

Update your application the moment things change. Many PHAs let you claim a preference after applying if you develop a disability or become homeless. Miss the update and you miss the preference.

Document everything. Keep copies of application confirmations, preference certifications, and every piece of PHA correspondence. PHAs lose paperwork. You need your own trail.

Ask about emergency or medical preferences. Some PHAs have an emergency preference for households in unsafe housing or for people being discharged from a medical facility with nowhere to go. That's separate from a general disability preference and can move you up faster.

Look at Section 8 project-based properties too. These units keep their own waitlists at the property level. A property with a short list can house you years before the PHA's tenant-based voucher list reaches you. See our guide on HUD housing for how to find them.

Consider portability. If you're on a waitlist in a high-demand city and willing to move, some PHAs will issue a voucher on the condition that you port immediately to a lower-demand jurisdiction. Ask whether your PHA runs a mobility or portability program.

What rights do disabled tenants have once housed?

Once you're housed, federal law protects you well beyond general tenant rights.

Fair Housing Act (42 U.S.C. § 3604(f)). Landlords cannot refuse to rent to you, set different terms, or deny you the ability to make reasonable modifications because of disability. They also must allow reasonable accommodations in rules, policies, and practices when you request one for a disability-related reason. ^[5]

Section 504 of the Rehabilitation Act. For any federally funded housing (public housing, HCV, project-based Section 8, Section 811), Section 504 requires meaningful access to programs and activities for disabled residents. HUD's Office of Fair Housing and Equal Opportunity (FHEO) enforces it. ^[9]

ADA Title II and Title III. Common areas of multifamily buildings must meet ADA accessibility standards. That covers shared laundry rooms, leasing offices, and parking, whether or not the unit itself was built accessible.

Grievance rights under HCV. If your PHA terminates or cuts your voucher assistance, you have a right to an informal hearing. 24 CFR § 982.554 governs the process. Request the hearing in writing within the deadline in your termination notice, usually 10 to 14 days. Miss it and you waive the right. ^[6]

Protection from retaliation. File a fair housing complaint or request a reasonable accommodation, and your landlord cannot hit back with a rent increase, a lease non-renewal, or an eviction notice. Retaliation is its own Fair Housing Act violation.

If you think your rights were violated, file a complaint with HUD's FHEO at hud.gov. You can also call your local legal aid office. Most have housing units that handle disability discrimination cases at no cost.

How do landlords get into the disabled housing programs?

For landlords deciding whether to accept vouchers from disabled tenants, the mechanics match standard HCV. You list your unit, a voucher holder applies, you screen them like any applicant (income, rental history, references), and if you accept, you sign a Housing Assistance Payments (HAP) contract with the PHA. Rent comes partly from the PHA and partly from the tenant. ^[1]

A few things change when the tenant is disabled:

Reasonable modification requests. A disabled tenant may ask to make modifications, such as grab bars, a ramp, or a wider doorway. Under the Fair Housing Act you must allow reasonable modifications to a private market unit, though the tenant pays and must restore the unit on move-out (unless restoration would be unreasonable). In federally assisted housing (public housing, Section 811, project-based Section 8), the property pays. ^[5]

You cannot screen out disabled applicants. Refusing to rent to someone because they use a wheelchair, carry a psychiatric diagnosis, or receive SSI is illegal discrimination. You can apply your standard screening criteria (income, credit, rental history) as long as you apply them the same way to everyone.

Section 811 Project Rental Assistance as a landlord. If you own a multifamily property and want to set aside units for Section 811, you work through your state HFA, not HUD directly. States holding Section 811 awards from HUD contract with owners to reserve units. The contract subsidizes the gap between tenant contribution and a contract rent. ^[2]

VoucherReady's landlord kit walks through the HAP contract, an inspection-prep checklist, and the payment timeline, so you know what to expect before signing up.

How do I actually apply for disabled low income housing?

The process differs by program, but here's the practical sequence for most people:

Step 1: Find your local PHA. HUD's PHA contact directory at hud.gov is the authoritative source. Search by state and county. ^[1]

Step 2: Check which waitlists are open. Most PHAs don't keep their HCV waitlist open all year. They open it by lottery for a limited window, sometimes only a few days. Sign up for PHA email alerts or check the website often. Our page on open Section 8 waiting lists tracks openings.

Step 3: Gather your documentation. You'll need proof of identity for all household members, Social Security numbers, income documentation (SSI or SSDI award letters, pay stubs), proof of disability if claiming a disability preference, and rental history.

Step 4: Submit and claim every preference you qualify for. Check the disability preference box and any others (veteran, homeless, local residency). Missing a preference at application time is a costly mistake.

Step 5: Apply to Section 811 and LIHTC properties separately. These carry property-level waitlists. Search HUD's multifamily housing database and your state HFA's property directory.

Step 6: Follow up. Confirm your application landed. Ask your waitlist position (some PHAs share it). Update your contact information every time it changes. PHAs purge applicants they can't reach.

Step 7: If you get a voucher, search hard. You usually have 60 to 120 days to find a unit. For disabled tenants needing accessible units, that can be tight. Request an extension right away if you need it, in writing, citing your disability.

For a full walkthrough of the HCV program from the inside, the housing section 8 program guide covers each stage.

Frequently asked questions

Can I get low income housing for disabled people if I'm not on SSI or SSDI?

Yes. HUD's definition of disability doesn't require Social Security benefits. You need documentation of a physical or mental impairment that substantially limits a major life activity and is expected to last. A letter from a licensed physician, psychiatrist, or other qualified professional usually does it. PHAs cannot ask for your specific diagnosis, only confirmation that the impairment meets the criteria.

What is the income limit to qualify for disabled housing programs?

For most HCV and Section 811 programs, income must be at or below 50% of the Area Median Income (AMI) for your metro. Many slots are reserved for households at or below 30% AMI ("extremely low income"). HUD publishes updated limits every year at hud.gov. Limits swing widely by location: 50% AMI in rural Mississippi is under $25,000 for a single person, while 50% AMI in San Francisco tops $65,000.

How do I find Section 811 housing near me?

Contact your state Housing Finance Agency (HFA), which administers Section 811 Project Rental Assistance awards at the state level. HUD also keeps a multifamily housing property database at hud.gov where you can search by program type and location. Because 811 units now often sit inside mixed-income LIHTC developments, they aren't always labeled clearly. Call the state HFA and ask for a list of active Section 811 properties.

Can I use a Section 8 voucher to rent an accessible apartment?

Yes. A Housing Choice Voucher works in any privately rented unit that passes HQS inspection and has rent within the PHA's payment standard. If you need specific accessibility features, you can ask the PHA to help identify suitable units, or request a larger unit for a live-in aide as a reasonable accommodation. The PHA can't guarantee you'll find an accessible unit, but it also can't deny the voucher just because accessible units are scarce.

What is a live-in aide allowance and how does it work with housing vouchers?

A live-in aide lives with a disabled voucher holder to provide supportive services and isn't counted as a family member for voucher purposes. Their income is excluded from the household income calculation, and they can justify a larger unit. To get approval, submit a reasonable accommodation request to the PHA with documentation that the aide is needed because of disability. The aide must actually live in the unit and provide the services.

Is there low income housing for disabled people with criminal records?

PHAs can deny applicants based on criminal history, but HUD's 2015 and 2022 guidance strongly discourages blanket bans and calls for individualized assessment. A few convictions (methamphetamine production on federal premises, lifetime sex offender registration) require mandatory denial under 24 CFR § 982.553. Beyond those bars, PHAs must weigh the nature and recency of the offense, evidence of rehabilitation, and mitigating circumstances. Some PHAs are far more lenient than others.

How long does it take to get housing after applying with a disability?

It depends heavily on location and program. In high-demand cities, HCV waits commonly run 5 to 10 years. Smaller or rural PHAs may wait 6 to 24 months. NED or Mainstream voucher waitlists, where they exist and are open, run much shorter, sometimes under a year. Applying at the same time to multiple PHA lists and project-based waitlists is the single best way to cut your expected wait.

What happens if I'm in a nursing facility and want to move to community housing?

HUD's NED vouchers prioritize people transitioning from institutions, nursing facilities included. Your state may also run a Money Follows the Person (MFP) program through Medicaid, which provides transitional services and sometimes housing help for people leaving institutions for community settings. Contact your state Medicaid agency and your local Center for Independent Living (CIL), which often coordinates these moves and can help you apply for the right programs.

Can a disabled person be evicted from Section 8 housing?

Yes. A landlord can pursue eviction for lease violations (nonpayment, serious or repeated violations) even when the tenant is disabled. But before eviction, a disabled tenant can request a reasonable accommodation from the landlord or PHA to address the behavior causing the problem. If the violation ties to a disability, failing to consider accommodation can be a Fair Housing Act defense. HUD's Office of Fair Housing and Equal Opportunity handles complaints. Contact local legal aid for eviction defense.

What is Permanent Supportive Housing and who qualifies?

Permanent Supportive Housing (PSH) combines long-term affordable housing with voluntary supportive services (mental health, substance use, case management). HUD funds PSH through its Continuum of Care program. Priority goes to people experiencing chronic homelessness, which HUD defines as unhoused for 12 or more months straight or four or more times in three years, alongside a disabling condition. Applications go through your local CoC or homelessness services system, not a PHA.

Do disabled people get priority on Section 8 waitlists?

It depends on the PHA. Under 24 CFR § 982.207, PHAs may set local preferences including disability-related ones, but federal law doesn't require them to. Many PHAs prioritize non-elderly disabled applicants at risk of institutionalization or experiencing homelessness, but preferences vary widely. Ask your PHA in writing which preferences they use and whether disability qualifies. Check the preference boxes on your application even if you're not sure.

What low income housing options exist for disabled adults who can't live alone?

People who need daily support have options beyond a standard apartment. HUD-funded group homes and supportive housing through the CoC or Section 811 sometimes include on-site staff. Medicaid HCBS waivers can fund personal care attendants in your own apartment, making solo living possible. Adult care homes and supervised residential facilities are another tier, usually regulated at the state level. A Center for Independent Living or your state DD agency can map which model fits your care needs and funding.

How do I find low income housing for disabled people in Philadelphia specifically?

Start with the Philadelphia Housing Authority (PHA) at pha.phila.gov for HCV and public housing waitlists. Check the Pennsylvania Housing Finance Agency (PHFA) at phfa.org for Section 811 properties and LIHTC affordable apartments. The city's Office of Homeless Services funds PSH units through the local Continuum of Care. HUD-certified Housing Counseling Agencies can guide you through applications at no cost.

Sources

1. HUD.gov, Housing Choice Voucher Program: HCV is tenant-based rental assistance serving about 2.3 million households; PHAs administer the program and sign HAP contracts with landlords
2. HUD.gov, Section 811 Supportive Housing for Persons with Disabilities: Section 811 authorized under 42 U.S.C. § 8013; project-based supportive housing for non-elderly adults with significant disabilities; roughly 25,000 units nationally
3. HUD.gov, Non-Elderly Disabled and Mainstream Voucher Programs: NED and Mainstream vouchers are targeted HCV allocations for non-elderly disabled people; 2022 Consolidated Appropriations Act funded about 4,000 new Mainstream vouchers
4. National Council of State Housing Finance Agencies (NCSHA), LIHTC Data: LIHTC produces roughly 110,000-120,000 units annually; largest source of affordable rental housing funding in the U.S.
5. HUD.gov, Fair Housing Act (42 U.S.C. § 3602 and § 3604): HUD definition of disability; landlords must allow reasonable modifications and accommodations; disability discrimination prohibited
6. Code of Federal Regulations, 24 CFR Part 982 and 24 CFR § 5.403: HCV disability definition at § 5.403; PHA local preferences at § 982.207; informal hearing rights at § 982.554
7. HUD User, HUD Income Limits: HUD publishes annual income limits by area; most HCV programs require at or below 50% AMI for admission
8. Urban Institute, Section 8 Voucher Waiting List Research: Average HCV wait estimated at 1.5 to 3 years nationally; high-demand cities can exceed 5-12 years
9. HUD.gov, Section 504 of the Rehabilitation Act and 24 CFR Part 8: Section 504 requires reasonable modifications at no cost in federally funded housing; minimum 5% mobility-accessible and 2% vision/hearing-accessible units required
10. Philadelphia Housing Authority (PHA), About PHA: Philadelphia Housing Authority serves over 80,000 residents through combined public housing and HCV programs
11. Centers for Medicare & Medicaid Services (CMS), Home and Community Based Services: Medicaid HCBS waivers fund community-based services like personal care attendants; administered at the state level through CMS-approved waivers
12. HUD.gov, Continuum of Care Program: HUD CoC funds Permanent Supportive Housing for chronically homeless individuals with disabling conditions; applications through local CoC
13. HUD, Worst Case Housing Needs 2021 Report to Congress: 8.5 million very low-income renter households had severe housing needs in 2021; only about one in four eligible households receives federal rental assistance