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Welcome to the Low Income Housing Online Resource and Blog! We help empower and educate low income families by promoting relevant news, developments, and other valuable resources that can be of assistance. Check out our latest posts below:

Thursday, December 13, 2018

LIHEAP & Tips to Help with Electric and Heating Bills

Man sitting in home with no heat

With cold weather bearing down, we do what we can to stay warm—we turn up the thermostat, pile on blankets, pump the hot water. This can get expensive. To make things worse, as it gets colder outside, it also gets darker. So, we turn on the lights earlier than we’d like, and slowly but surely our electric and heating bills skyrocket. If you need help with your utility bills this winter, or you simply don’t want to pay a fortune on them, there are a few things that you can do to help with electric and heating bills.

Saturday, December 8, 2018

Where to Find Rent Assistance for Low Income Families

Rent assistance for low income families

Sometimes, life doesn’t go as planned, and we can find ourselves in situations we weren’t prepared for. If you and your family have fallen on hard times and need help covering your housing costs, the programs we list here might be able to help. They offer rent assistance for low income families and individuals in times of need.

Thursday, December 6, 2018

Study Confirms Ambulance Response Times are Worse for Low Income Areas

Ambulance in New York City

Disparities between low-income and high-income individuals exist even in ambulance response time, according to a recent study. It was found that it takes more or less four minutes longer for 911 to respond to calls from low-income areas compared to those from high-income areas.

Monday, November 26, 2018

Low Income Couples Who Own a House Are More Likely to Get Married

Low income couple in front of their home

In the past few years, marriage rates in the U.S. have been decreasing especially among low-income Americans. But even with the recent wage growth, a study has revealed that a higher paycheck may not be enough to increase marriage rates. Many low-income couples are found to want financial achievements such as owning a house, having a healthy bank account, and having a job that offers health insurance before getting married.

Monday, November 19, 2018

Free Tuition For Low Income Students in Texas?

Texas Southern University low income students

Texas state Senator Judith Zaffirini has authored two bills. The first proposes to pay for community college tuition for students meeting certain conditions. The second, and much more ambitious, bill proposes to give Texans meeting certain conditions, whose annual household income is under $150,000, free tuition to universities.

Monday, November 12, 2018

Fannie Mae Announces $145 Million Investment in Low-Income Housing Tax Credit (LIHTC) Funds

Low Income Housing Tax Credit Funds

Fannie Mae has announced that it has committed to invest up to $145 million in three low-income housing tax credit (LIHTC) funds as part of its ongoing commitment to provide a reliable source of capital for affordable rental housing in underserved markets. The new funds are Cinnaire Fund for Housing LP 33, Ohio Equity Fund for Housing LP XXVII, and MHEG Fund 50 LP.


According to a report by the Urban Institute, 25% - 40% of all low-income families in the United States experience hardships related to food and housing. This translates into millions of families with approximately 19 million children who need to be assisted.

Low income housing apartment building Thus, the term "low income housing" or even "affordable housing" is used to describe housing and apartments that are within financial reach to individuals and families with low annual household incomes. Such housing is made available by many sources, including city, county, state and federal government programs. There are also programs available through non-profit organizations and foundations, and private real estate or property management firms.

How Does It Work?

Via the federal government's Section 8 housing programs, which is also known as government subsidized housing, residents are given a place to live and only required to pay 30% of their monthly income as rent. The government itself will pay the difference, according to fair market price.

There are other low income housing programs that are not subsidized by the government, but are created and controlled by local non-profit organizations that receive grants to provide assistance to needy families. How much residents are required to pay depends on the organization's rules and regulations.

What Demographic Represents Low Income Households?

Contrary to popular belief, minority groups do not make up the majority of low income households in the United States. Although some Black and Hispanic communities in urban cities can be mostly low income households, there are far more low income households overall in rural areas where mostly White Americans live. This includes areas that are 30 miles or more outside of the nearest metropolitan city.

How Can Low Income Properties Be Located?

Interested ones can either seek the help of their local city or county government, they can petition assistance from a local non-profit organization, or they can utilize web sites such as this one that have free online databases of vacant low income units.