{"id":1792,"date":"2014-08-11T13:17:43","date_gmt":"2014-08-11T18:17:43","guid":{"rendered":"https:\/\/www.senioradvisor.com\/blog\/?p=1792"},"modified":"2020-10-13T19:51:12","modified_gmt":"2020-10-14T00:51:12","slug":"how-to-find-low-income-senior-apartments","status":"publish","type":"post","link":"https:\/\/d30braiqprupoq.cloudfront.net\/blog\/2014\/08\/how-to-find-low-income-senior-apartments\/","title":{"rendered":"Low Income Housing for Seniors"},"content":{"rendered":"<h1 class=\"western\"><span style=\"color: #000000;\"><span style=\"font-family: Georgia, Arial;\"><span style=\"font-size: x-large;\">Low Income Housing Options for Seniors<img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-1793\" src=\"https:\/\/s3.us-west-2.amazonaws.com\/img.prod.aplaceformom.com\/main\/uploads\/sa-blog\/2014\/07\/How-to-find-senior-apartment.png\" alt=\"Low Income Housing for Seniors\" width=\"350\" height=\"350\" srcset=\"https:\/\/s3.us-west-2.amazonaws.com\/img.prod.aplaceformom.com\/main\/uploads\/sa-blog\/2014\/07\/How-to-find-senior-apartment.png 800w, https:\/\/s3.us-west-2.amazonaws.com\/img.prod.aplaceformom.com\/main\/uploads\/sa-blog\/2014\/07\/How-to-find-senior-apartment-150x150.png 150w, https:\/\/s3.us-west-2.amazonaws.com\/img.prod.aplaceformom.com\/main\/uploads\/sa-blog\/2014\/07\/How-to-find-senior-apartment-350x350.png 350w, https:\/\/s3.us-west-2.amazonaws.com\/img.prod.aplaceformom.com\/main\/uploads\/sa-blog\/2014\/07\/How-to-find-senior-apartment-768x768.png 768w\" sizes=\"(max-width: 350px) 100vw, 350px\" \/><\/span><\/span><\/span><\/h1>\n<p>Most seniors are careful with their budgets, but for low-income seniors, budgeting isn&#8217;t always enough to make ends meet. The federal government and most cities and counties offer housing help to elders who can&#8217;t afford fair market rates for apartments. However, in many places, demand for affordable senior housing is greater than the supply of available rentals. Here&#8217;s what you need to know about finding out what you can afford, what assistance you may be eligible to receive, and other affordable housing ideas.<\/p>\n<p>It&#8217;s helpful to start by seeing what programs are available in your area. Online search tools can help you get a general sense of housing costs near you and show you whether you qualify for housing assistance. You can also get in touch with local housing agencies for details about the types of rental assistance that are available in your area, how to qualify, and how to apply. Here are some things to consider during your affordable senior housing search.<\/p>\n<h2 class=\"western\">What can you expect to pay for senior housing?<\/h2>\n<p>View\u00a0<a href=\"https:\/\/www.huduser.gov\/portal\/datasets\/fmr\/fmrs\/FY2017_code\/select_Geography.odn\" target=\"_blank\" rel=\"noopener noreferrer\">2017 Fair Market Rents (FMRs) for cities and counties around the US<\/a>\u00a0to get a sense of what you&#8217;ll pay in your area and beyond. For example, the 2017 FMR for a one-bedroom apartment in the Austin metropolitan area is $968 per month. An hour&#8217;s drive south, the FMR for a one-bedroom in San Antonio\u2014a city with thriving culture and good medical care&#8211;is $768. An hour north in Bell County, which is more rural and small-town than Austin or San Antonio, the FMR for a one-bedroom apartment is $594. Comparing the rents in different parts of your state or region can help you narrow down your search and stay within your budget.<\/p>\n<h2>Where should you live?<\/h2>\n<p>Because apartments in major cities\u00a0are often expensive, moving to a suburb or small town near your metro area may be a smart move\u2014as long as you can still get to the places you want to go and connect to a social network so you don&#8217;t get isolated and bored. Questions to ask about each neighborhood or senior housing community you look at include:<\/p>\n<ul>\n<li>Is it close to family, friends and medical providers? Unless you&#8217;re a born adventurer you&#8217;ll probaby enjoy life more if there are people you already know nearby.<\/li>\n<li>Is there a grocery store nearby?<\/li>\n<li>Is it close to public transportation and\/or walkable?<\/li>\n<li>Does the apartment have ADA features you need now or might need later, such as a ramp or bathroom grab bars?<\/li>\n<li>Does the community or landlord allow pets?<\/li>\n<li>What do other residents and families have to say about the building, the management, and the neighborhood? Talking to people who live there and reading online reviews of senior communities can give you a clearer sense of what life is like there before you sign a lease.<\/li>\n<\/ul>\n<p>Take notes on each place you&#8217;re considering so you can compare them more easily later.<\/p>\n<h2>How do you want to search for senior apartments?<\/h2>\n<p>If you have a specific city or county in mind and prefer to find your own apartment, you can begin your affordable senior housing search with\u00a0<span style=\"color: #000080;\"><span lang=\"zxx\"><span style=\"color: #9d7bae;\"><a href=\"https:\/\/www.hud.gov\/apps\/section8\/index.cfm\" target=\"_blank\" rel=\"noopener noreferrer\">HUD\u2019s low-rent apartment search tool<\/a>\u00a0to f<\/span><\/span><\/span>ind qualifying senior housing properties in your area and contact them directly. You can also look up your city or county housing authority to find all the low-income senior housing public options in your area, along with application information.<\/p>\n<p>It&#8217;s important to know that in many areas, especially large cities, there are usually waitlists to apply for low-income housing. In some cases, the waitlist may not always be open to new people. If that&#8217;s the case, you&#8217;ll need to explore other options for affordable housing while you wait for a spot to open up.<\/p>\n<h2 class=\"western\">Creative housing solutions for seniors<\/h2>\n<p>If affordable housing is scarce in your area, or if you&#8217;re on a waitlist measured in years rather\u00a0than months, you may have more options than you realize for living affordably. All of these options will require you to live with other people\u2014 roommates, tenants, or family members. Here are a few ways seniors can make shared housing work.<\/p>\n<h3 class=\"western\">Senior shared housing<\/h3>\n<p>Many seniors find themselves at a point in life where the big home they bought to house their whole family is only inhabited by one. With\u00a0<a href=\"https:\/\/www.senioradvisor.com\/blog\/2016\/06\/pros-and-cons-of-aging-in-place\/\"><span style=\"color: #9d7bae;\">87% of seniors<\/span><\/a>\u00a0hoping to age in place, this is an increasingly common scenario.\u00a0The idea behind shared housing is simple: a homeowner with more space than they need opens up their home to someone who needs a place to live. They can rent out a room for pay, they can work out a deal with the homesharer to help with the around-the-house chores the senior is having trouble with, or they can figure out an arrangement that\u2019s some combination of the two and works well for both people.<\/p>\n<p>Shared housing may be a good option for you if:<\/p>\n<ul>\n<li>Your home is larger than you need and includes one or more bedrooms that are going unused.<\/li>\n<li>You haven\u2019t paid off the mortgage and it\u2019s becoming difficult to balance those monthly payments with your other expenses in retirement.<\/li>\n<li>You&#8217;ve realized that living alone makes you\u00a0<a href=\"https:\/\/www.senioradvisor.com\/blog\/2016\/01\/the-very-real-dangers-of-senior-loneliness\/\">lonely<\/a>.<\/li>\n<\/ul>\n<h3 class=\"western\">How to find a roommate<\/h3>\n<p>Recognizing the growing need for senior shared housing, the\u00a0<span style=\"color: #9d7bae;\"><a href=\"https:\/\/www.senioradvisor.com\/blog\/2016\/12\/golden-girls-model-appealing-way-women-age-place\/\">Golden Girls Network<\/a>\u00a0<\/span>arose to help potential senior roommates find one another. Whether you\u2019re looking for a senior to move into the home you own, or are looking for a home to move into, the website helps you find someone who\u2019s likely to be a good fit. There are other roommate match websites and services out there, but if you want to stick with other seniors, this one conveniently narrows the field of options down.<\/p>\n<p>If you\u2019re open to the idea of finding a younger roommate, a website like\u00a0<span style=\"color: #9d7bae;\"><a href=\"https:\/\/www.roomiematch.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Roomie Match<\/a>\u00a0<\/span>can help you find someone that\u2019s compatible, and does the important work of screening out likely scammers.<\/p>\n<h3 class=\"western\">How to provide student housing<\/h3>\n<p>If you live near a college or university, you may be able to rent out your spare room to a student. Not only is this good for seniors who need to save money on housing, but it&#8217;s also good for students who want a quiet place to sleep and study, rather than being stuck in a crowded dorm.<\/p>\n<p><a href=\"http:\/\/www.pbs.org\/newshour\/rundown\/dutch-retirement-home-offers-rent-free-housing-students-one-condition\/\" target=\"_blank\" rel=\"noopener noreferrer\">Mixed-age cohousing helps students and seniors<\/a>\u00a0in the Netherlands. The Humanitas retirement community of about 160 seniors is also home to about half a dozen college students who enjoy rent-free private apartments in exchange for being active members of the community. For at least 30 hours a month, student residents spend time talking with their older housemates and helping with tasks and errands. The students get to keep their expenses down and enjoy a quieter environment than rowdy student housing, while seniors get more social interaction and attention to help stave off depression and cognitive decline.<\/p>\n<p>In the US, New York University\u2013one of the country\u2019s most expensive colleges in the heart of one of the county\u2019s most expensive cities\u2013is piloting a program to cut housing costs by\u00a0<a href=\"https:\/\/medium.com\/nyu-affordability\/progress-in-affordability-at-nyu-68a457b30676#.k8tpxdgar\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #9d7bae;\">placing some students with low-income seniors<\/span><\/a>\u00a0who have extra room in their apartments. A typical year&#8217;s room and board at NYU costs anywhere from $10,000 to $18,000. Meanwhile, low-income seniors living nearby in Greenwich Village have to contend with rising costs and healthcare expenses. Under the pilot program, which began in fall of 2017, students will pay $5,000 per year to bunk in a senior\u2019s spare bedroom. NYU says most of that money will go to the senior hosts. They get extra income, and students cut their housing expenses by half, if not more.<\/p>\n<p>Unlike similar programs in Chicago and the Netherlands, college students in the NYU program will not be required to provide care, errands or chores for their hosts. Despite the program\u2019s informal nickname, \u201cGrandma\u2019s spare room,\u201d hosts won\u2019t be required to look after wild or homesick younger roommates, either \u2014 only \u201cmature\u201d upperclassmen and graduate students can apply. Instead, planners recommend that participants informally look out for each other and come to their own chore arrangements the way any roommates would.<\/p>\n<p>The Guardian reports that other Manhattan schools might try the\u00a0<a href=\"https:\/\/www.theguardian.com\/us-news\/2016\/nov\/27\/new-york-university-grandmas-spare-room-housing-costs\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #9d7bae;\">Grandma\u2019s spare room approach<\/span><\/a>, as could schools in other cities where housing costs are expensive. If college tuition and healthcare costs keep rising, the trend of pairing students and seniors to save on housing may just be getting started. If you&#8217;re interested in this option, contact the student housing offices at your local colleges and universities.<\/p>\n<h3 class=\"western\">Many generations, one home<\/h3>\n<p>Living with other family members, under your roof or theirs, may be another cost-cutting option. It&#8217;s definitely a trend that&#8217;s catching on. The number of multigenerational households is at a historic high in the US. More\u00a0<a href=\"http:\/\/www.pewresearch.org\/fact-tank\/2016\/08\/11\/a-record-60-6-million-americans-live-in-multigenerational-households\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #9d7bae;\">than 60 million Americans now share a home<\/span><\/a>\u00a0with more than one generation of adults and\/or have grandparents and grandchildren living under the same roof.<\/p>\n<p>To make multigenerational housing work for everyone, experts say it\u2019s important to establish ground rules for everyone, such as quiet times, schedules for chores, and expectations of how spaces will be shared. Many of the same design adaptations that make\u00a0<a href=\"https:\/\/www.senioradvisor.com\/blog\/2015\/02\/home-modifications-for-aging-in-place\/\"><span style=\"color: #9d7bae;\">aging in place<\/span><\/a>\u00a0possible for seniors also make spaces safer for small children\u2014ramps instead of steps and grab bars in showers and tubs, for example. Multigenerational households may also benefit from the services many seniors use when they live alone, such as\u00a0<a href=\"https:\/\/www.senioradvisor.com\/blog\/2016\/03\/concierge-services-for-seniors-makes-aging-in-place-easier\/\"><span style=\"color: #9d7bae;\">concierge services to deliver groceries<\/span><\/a>\u00a0and\u00a0<a href=\"https:\/\/www.senioradvisor.com\/in-home-care\"><span style=\"color: #9d7bae;\">in-home care<\/span><\/a>\u00a0for adults who need extra help with daily tasks.<\/p>\n<h2 class=\"western\">Affordable housing issues for LGBT seniors<\/h2>\n<p>People over age 65 are the fastest growing age group in the United States, and public policy experts say there\u2019s a rapidly growing need for housing that meets their needs. That\u2019s especially true for gay, lesbian, bisexual, and transgender seniors; studies have found that LGBT elders are more likely than other seniors to face discrimination when they\u2019re looking for a place to live.<\/p>\n<p>To address issues of scarcity, affordability, and discrimination,\u00a0<a href=\"https:\/\/www.sageusa.org\/lgbthousing\/\">SAGE (Services &amp; Advocacy for GLBT Elders)<\/a>\u00a0is working on a long-term plan to improve housing options for LGBT seniors. The group has outlined areas that need improvement in order to better serve LGBT people as they age.<\/p>\n<p>The first step to finding housing is to know that Fair Housing Act anti-discrimination policies apply to LGBT people. Not everyone has gotten the news, as a national HUD study found that gay and lesbian couples were more likely than straight couples to face rental discrimination. But\u00a0<a href=\"http:\/\/blog.hud.gov\/index.php\/2015\/06\/16\/protecting-every-persons-access-to-housing\/#more-8506\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #9d7bae;\">federal law says<\/span><\/a>\u00a0that owners, landlords, and supervisors of properties served by HUD and the Federal Housing Authority\u00a0<em><i>may not<\/i><\/em>\u00a0ask prospective buyers or renters about their sexual orientation or gender identity. People who encounter anti-LGBT discrimination during their housing search can report it to HUD for investigation.<\/p>\n<p>Affordability is a huge challenge for many seniors, especially those who have faced income and employment discrimination during their peak earning years. SAGE\u2019s state and local groups have begun\u00a0<a href=\"http:\/\/blog.sageusa.org\/blog\/2013\/08\/lgbt-housing-surveys-now-underway.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #9d7bae;\">surveying<\/span><\/a>\u00a0their communities to pinpoint LGBT senior needs, with the goal of deciding whether to build new communities, improve access to existing housing, or both. To learn more about LGBT housing and community support in a city near you,\u00a0<a href=\"https:\/\/www.senioradvisor.com\/blog\/category\/lgbt-friendly-senior-living\/\"><span style=\"color: #9d7bae;\">check out our blog series<\/span><\/a>.<\/p>\n<h2>Know your senior housing rights<\/h2>\n<p>Get the facts about the\u00a0<span style=\"color: #000080;\"><span lang=\"zxx\"><a href=\"http:\/\/portal.hud.gov\/hudportal\/HUD?src=\/program_offices\/fair_housing_equal_opp\/FHLaws\/yourrights\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #9d7bae;\">Fair Housing Act<\/span><\/a><\/span><\/span>\u00a0and learn about how it helps protects you from discrimination based on your gender, religion, race, sexual orientation, and disability status. And remember that you can always contact your Area Agency on Aging for more information on housing and other senior assistance.<\/p>\n<p>Need more information on housing in your area? Call our senior living advisors at 1-800-805-3621.<\/p>\n<h1><\/h1>\n","protected":false},"excerpt":{"rendered":"<p>Low Income Housing Options for Seniors Most seniors are careful with their budgets, but for low-income seniors, budgeting isn&#8217;t always enough to make ends meet. The federal government and most cities and counties offer housing help to elders who can&#8217;t afford fair market rates for apartments. However, in many places, demand for affordable senior housing is greater than the supply [&hellip;]<\/p>\n","protected":false},"author":2267,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[200,2],"tags":[148,231,230],"class_list":{"0":"post-1792","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-families-caregivers","7":"category-senior-living","8":"tag-55-communities","9":"tag-low-income-senior-housing","10":"tag-senior-apartment"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Low Income Housing for Seniors - SeniorAdvisor.com Blog<\/title>\n<meta name=\"description\" content=\"There are several free resources you can use to find low income housing for seniors. 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