Who Needs Affordable Housing?
Families who pay more than 30 percent of their income for housing are considered cost burdened and may have difficulty affording necessities such as food, clothing, transportation and medical care. An estimated 12 million renter and homeowner households now pay more than 50 percent of their annual incomes for housing. A family with one full-time worker earning the minimum wage cannot afford the local fair-market rent for a two-bedroom apartment anywhere in the United States.
Where Can Individuals Find Assistance?
Individuals looking for assistance can:
What is HUD Doing to Support Affordable Housing?
Within the Office of Community Planning and Development, the Office of Affordable Housing Programs (OAHP) administers the following grant programs designed to increase the stock of housing affordable to low-income households.
- The HOME Investments Partnerships Program (HOME) provides grants to States and local governments to fund a wide range of activities including 1) building, buying, and/or rehabilitating housing for rent or homeownership or 2) providing direct rental assistance to low-income families. It is the largest Federal block grant program for State and local governments designed exclusively to create affordable housing for low-income households.
- The Self-Help Home Ownership Opportunity Program (SHOP) provides funds for non-profit organizations to 1) purchase home sites for low-income families and 2) develop or improve the infrastructure for sweat equity and volunteer-based homeownership programs.
- The National Housing Trust Fund (HTF) supports the acquisition, new construction, or reconstruction of rental units for extremely low-income families or families with incomes below the poverty line, whichever is greater.
HUD's Office of Housing and Office of Public and Indian Housing also administer programs to increase the amount of affordable housing available for low-income households across the nation.
What Information Does HUD Provide?
The HUD Exchange
provides a hub for HOME Program
information, tools and templates, research, evaluations, best practices, guides, training manuals, and more
Related tools and resources can be accessed through HOME Topics.
The HUD Exchange also provides:
- Email Updates – To receive CPD communications about program policy, upcoming trainings, resources, reporting deadlines, technical assistance, and more, sign up on the HUD Exchange Mailing List.
- Training Opportunities – For information on upcoming events, self-paced online training, and recorded webinars, go to Training and Events.
- Grantee Information – To view amounts awarded to organizations under HUD programs over the past several years, go to CPD Allocations and Awards. To learn more about the agencies and organizations that have received funding, visit About Grantees.
- Assistance with Reporting System Questions – If you have a question related to eCon Planning Suite or IDIS, please submit your question and get a response through Ask A Question.
- In-depth Advising – To learn about extended communication or long-term assistance available to CPD grantees, visit Technical Assistance.
If you are an organization with a policy question related to HOME, National Housing Trust Fund (HTF), or Self-Help Home Ownership Opportunity Program (SHOP), please contact your local HUD Field Office for assistance.
Participating jurisdictions receive HOME grants through a formula to fund housing programs which meet local needs and priorities. To find out about how to apply for HOME assistance in your community, contact an agency nearest to your community. National and regional nonprofit organizations or consortia with experience using volunteer labor to build housing may apply for SHOP funds.
How Can My Organization Receive Funds?