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Low Income Housing In San Francisco, California

San Francisco Low Income HousingThe San Francisco Housing Authority (SFHA), an independent corporation, has been helping needy individuals and families find and secure affordable and low income housing since 1938.  Since their funding comes from the U.S. Department of Housing and Urban Development (HUD), their programs also must meet HUD guidelines.  One of these guidelines is income limitations based on family size.

Income guidelines fall into three categories:  Extremely Low (30% of area median income), Very Low (50% of area median income) and Low (80% of area median income).  A family of four in the very low category, for example, could not have income above $56,550 to qualify for assistance.  Assistance comes in the form of paying only 30% of their household income towards rent; the rest is paid out of federal funding.

While public housing is owned by  PHA, other rental housing is privately owned and functions very similar to public housing.  This is called Section 8 Housing Choice Voucher Program where the qualifying family actually receives a voucher that is used for subsidized rent.  With a HUD HOPE VI grant for revitalizing severely distressed neighborhoods, the SFHA has been able to add more than 1,000 new units of public and affordable housing for low-income families.  Find out how you can qualify for affordable and low income housing in the San Francisco area at www.sfha.org.

Habitat for Humanity, an international non-profit organization, builds homes for low-income families with no down payment and no-interest loans.  They must be first-time homebuyers with a credit score of 650 and income of 40-60% of the median gross annual income in San Francisco.  This program is quite different in that the homebuyer must work 500 hours helping on the home construction, and the entire program can take up to 18 months.  But the benefits are worth it in a new, affordable home with no down payment and a 0% interest loan.  Read more at www.habitatgsf.org.


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