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Low Income Housing In Philadelphia, Pennsylvania

Philadelphia Low Income HousingThe Philadelphia Housing Authority (PHA), an independent public corporation, is the fourth largest housing authority that helps more than 80,000 people in Philadelphia find affordable and low income housing.  Most of their funding comes from the U.S. Department of Housing and Urban Development (HUD) and operation is based on HUD guidelines.

The options for PHA-owned properties include public housing apartment complexes, apartments located among other area rental units and single-family homes.  PHA-owned homes can also be purchased by existing tenants through PHA's Homeownership Program.  Minimum income required is $10,000. 

Other rental properties that are privately owned offer rental assistance through HUD Section 8 Housing Choice Voucher program.  Low-income families pay 30-40% of their monthly income towards rent and HUD pays the rest.  After one year, residents can use their vouchers to buy a home under the Housing Choice Ownership program.  Under this program the voucher can be used for 15 years of a 20-year mortgage to make monthly mortgage payments.  Read more about these affordable housing options at www.pha.phila.gov

Habitat for Humanity is another affordable housing option available to Philadelphia residents.  Low-income residents who are first-time homebuyers and willing to roll up their sleeves and help with the building process can buy a home directly from Habitat with a no-interest mortgage loan and no downpayment.  Income requirements are 30-60% of area median income.  Ability to pay and need for housing must also be demonstrated.  More than 150 low-income families in Philadelphia have benefited from this program.  For more information, go to www.habitatphiladelphia.org.

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