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

Low Income Housing In Providence, Rhode Island

Providence Low Income HousingPublic housing authorities are a product of critical housing issues stemming from the Great Depression.  Today they are excellent resources for low-income families to find decent, affordable housing.  In Providence, this resource is the Providence Housing Authority (PHA).  Since 1939, PHA has worked to meet the housing needs of low-income families, the elderly and the disabled.

With federal funding from the U.S. Department of Housing and Urban Development (HUD), the PHA can subsidize rents and make housing more affordable for low-income Providence families.  Participating landlords allow tenants to pay 30-40% of their income towards rent with the rest paid from PHA directly to landlords to make up the difference.  This is called the HUD Section 8 Housing Choice Voucher program.  To find out income guidelines based on family size, contact PHA at www.pha-providence.com

Following one year on Section 8 housing, residents with at least $10,300 of household income can apply to purchase a home under the Homeownership program.  They must be first-time homeowners and complete PHA's Family Self-Sufficiency (FSS) program that teaches them valuable homeownership, budgeting and personal goal-setting skills.  They also must be in a position to pay 3% toward the purchase price with 1% coming from their own funds.  This program allows first-time, low-income homebuyers the opportunity to pay 30% of their adjusted income towards a mortgage payment.  With a mortgage of 20 years or more, the program subsidizes the difference for a total of 15 years. 

Another unique homeownership opportunity for low-income families is Habitat for Humanity.  This non-profit organization is funded by private donations of money, material and man hours to build affordable housing for low-income families.  The unique feature of this low income housing program requires eligible families to donate 300-500 hours toward the construction.  In return, they can buy an affordable home at 0% interest.  Read more at www.habitatprov.org.

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