But for seniors, the process comes with unique considerations.

This guide breaks down everything seniors and their families need to know about Section 8: what it is, how it works, who qualifies, and how to apply. We explore how income levels, medical expenses, and household composition impact eligibility, and how local Public Housing Authorities (PHAs) play a key role in the application process. You'll also find insights into waiting lists, how vouchers are used, and what landlords are required to provide.

In addition, we discuss the types of housing seniors can live in through Section 8—whether apartments, townhomes, or single-family units—and what features are particularly senior-friendly, such as grab bars, wheelchair accessibility, and proximity to healthcare.

We also look at the benefits and challenges that come with Section 8 housing for seniors, from affordability and housing stability to long wait times and variable availability by location.

Whether you’re a senior exploring housing options or a caregiver looking to support a loved one, this guide provides clear, actionable insights to help navigate the complexities of the program with confidence and dignity. Understanding Section 8 can make the difference between housing uncertainty and finding a safe place to call home in retirement.

Discover how seniors across the country are unlocking housing stability through this vital program—and what you can do next to explore your options.

The Full Article (~4,200+ Characters | ~4,500 Words Total)

Why Section 8 Matters for Seniors

As America’s senior population grows, housing affordability becomes an increasingly urgent concern. Fixed retirement incomes—whether from Social Security, pensions, or savings—often fall short of rising housing costs. Meanwhile, aging brings increased need for accessible, secure, and health-conscious living spaces.

That’s where the Section 8 Housing Choice Voucher Program comes in.

This federally funded program helps seniors afford safe, quality housing without being confined to government-run facilities. It empowers them to choose their housing—whether a one-bedroom apartment downtown, a quiet townhome in a senior-friendly community, or even a mobile home—so long as the unit meets HUD standards and the landlord agrees to participate in the program.

How Section 8 Works: A Senior’s Perspective

Section 8 operates through local Public Housing Authorities (PHAs), which administer vouchers to eligible individuals. These vouchers cover a portion of the rent, based on the tenant’s income and the local Fair Market Rent (FMR) established by HUD.

Seniors typically pay 30% of their monthly adjusted income toward rent, while the voucher covers the rest. “Adjusted income” takes into account deductions for medical expenses and disability assistance, which is especially relevant for older adults.

Let’s break it down:

Income Limits: To qualify, seniors must earn below 50% of the median income for their area.

Citizenship Status: U.S. citizens or eligible non-citizens (e.g., lawful permanent residents) are eligible.

Household Composition: One-person households are eligible; many seniors apply as single occupants.

The Application Process—And What to Expect

Here’s a step-by-step look at applying for Section 8:

Find Your PHA: Visit HUD.gov or contact your local housing office.

Complete the Application: Includes income, household details, and medical needs.

Verification: The PHA may request documentation for income, assets, expenses, and ID.

Waiting Lists: Many areas have long wait times; seniors may get priority in some regions.

Voucher Awarded: Once your name comes up, you’ll receive a voucher and search period to find a home.

Tip: Always ask about senior preferences or designated senior units—some PHAs maintain housing specifically for adults 62+.

Types of Housing Available

With a Section 8 voucher, seniors aren’t restricted to public housing. Instead, they can rent from private landlords who accept vouchers. Common options include:

Apartments in senior housing complexes

Single-family homes

Duplexes or townhomes

Manufactured/mobile homes

Housing must pass an annual HUD inspection and meet basic livability standards: no lead paint, functioning utilities, secure locks, and heating.

Features That Matter Most for Seniors

While Section 8 doesn’t mandate accessibility features, many seniors seek units with:

Elevator access or single-floor layouts

Wide doorways for walkers/wheelchairs

Grab bars in bathrooms

Emergency call systems

Close proximity to clinics or pharmacies

Public transit access

Seniors are encouraged to advocate for reasonable accommodations under the Fair Housing Act, such as grab bar installations or service animals.

Pros of Section 8 for Seniors

✅ Affordability

Rents are based on income, not market rates, relieving the stress of inflation.

✅ Choice & Independence

Seniors pick their own housing, preserving dignity and autonomy.

✅ Stability

Once accepted, vouchers offer long-term support—vital for aging in place.

✅ Medical Expense Deductions

Unlike many other programs, Section 8 adjusts income downward for out-of-pocket medical costs, increasing affordability.

The Challenges to Be Aware Of

⏳ Long Waiting Lists

Some areas have waits of several years; apply early and consider multiple PHAs.

📍 Limited Availability

Not all landlords accept vouchers, and accessible units can be scarce.

💡 Annual Reviews

Income is reviewed yearly; changes could affect eligibility or voucher amount.

📑 Paperwork

Seniors may need help from family or social workers to manage documentation and deadlines.

Section 202 vs. Section 8—What’s the Difference?

It’s easy to confuse HUD’s Section 202 and Section 8 programs. Here’s a quick comparison:

Feature Section 8 Section 202

Who Runs It HUD via local PHAs HUD directly

Who It's For Low-income individuals/families Low-income seniors (62+)

Housing Type Private rentals Government-funded senior housing

Flexibility Choose your own housing Limited to certain developments

Some seniors may qualify for both—and applying to both increases your options.

How Family Can Help Seniors Apply

Navigating the system can be complex. Here’s how adult children or caregivers can assist:

Help fill out applications and gather documents

Monitor waitlist status and re-apply if needed

Tour units to ensure accessibility

Advocate for necessary accommodations

Assist with annual recertification

Real Stories: How Section 8 Changed Lives

Joanne, 74, Pennsylvania

“After my husband died, my fixed income couldn’t cover rent anymore. Section 8 gave me the chance to stay close to my grandkids. I found a small, safe apartment in a senior complex with friendly neighbors and a community center downstairs.”

Tom, 67, Arizona

“Being a veteran, I didn’t know where to turn when rent went up. My social worker helped me apply, and within six months, I had a voucher. I now live in a clean, quiet one-bedroom unit just two blocks from my clinic.”

Next Steps: What Seniors Should Do Now

If you or a loved one is considering Section 8:

Check eligibility on the HUD website

Contact local PHAs

Apply to multiple waiting lists

Explore both Section 8 and Section 202 options

Ask about senior housing preferences