Low Income Housing Authority
Your Guide To Finding Low Income Housing, Apartments, Section 8 and More

Low Income Housing In Oakland, California

Oakland Low Income HousingConventional public housing programs offer a multitude of city-owned rental properties - from studio to five-bedroom apartments - that provide affordable housing for low-income residents.  Oakland has three categories of low income housing: Extremely Low (30% of area median income), Very Low (50% of area median income) and Low (80% of area median income). The Oakland Housing Authority (OHA)owns over 3,000 units to help service these families.  Rental amounts are well below market rates.

The city also has a wide variety of of HUD Section 8 subsidized housing options that are privately-owned and available to those whose incomes meet the established U.S. Department of Housing and Urban Development (HUD) guidelines.  A family of four, for example, whose household income is at or below $44,650 would qualify as very low income residents.  The lower the household income, the greater the amount they receive in federal subsidies to help them pay their rent. 

Some of the federally-funded programs include the Housing Choice Voucher program where the tenants pay 30-40% of their income towards rent and the rest is paid by the federal government.  The tenant pays their share directly to the landlord, and OHA, who manages the federal funding, pays the difference to the landlord from the federal funds.  So the landlord is actually receiving two payments each month.  The Moderate Rehabilitation Program works differently.  Landlords who wish to rehabilitate properties and offer them at an affordable rent to low- and moderate-income families receive funding directly from HUD. 

There is also a special category of low-income disabled residents that can find affordable housing through the Mainstream Voucher program.  They would be given priority out of other families who are on the waiting list for HUD Section 8 Choice Housing vouchers.  All families qualifying for the Choice Voucher program also have the option of enrolling in the Family Self-Sufficiency (FSS) program where they can earn money in an escrow account from any income increases instead of paying higher rent.  At the end of the five year program, they receive all the money in their account.  The highest escrow amount for this program to-date is $24,000.  This represents a huge incentive for families to eventually live self-sufficiently and free of public assistance.  More information on Oakland's affordable rental programs is available at www.oakha.org

Homebuying assistance programs are also available to low-income first-time homebuyers.  They include tax credits of 15% of the annual mortgage interest amount, downpayment assistance of $5-20,000 for public safety employees and teachers, and the City of Oakland First-time Homebuyers Mortgage Assistance Program (MAP) that offers loans up to 20% of the purchase price up to $75,000 for homebuyers with income at or under 80% of area median income, or $50,000 for those whose income is 81%-100% of AMI.

Read more about these low income housing programs at www.oaklandnet.com

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