Section 202 is a program of the U.S. Department of Housing and Urban Development (HUD) that helps non-profit organisations build and run affordable apartment communities for very low-income people aged 62 and older. Unlike a voucher, the assistance stays with the building, and many properties add services that help residents live independently for longer.
What Section 202 housing offers
Residents pay about 30% of their adjusted income as rent; a HUD rental assistance contract covers the rest. Buildings are designed for older adults, with features such as grab bars, emergency call systems, elevators and accessible units. Many properties employ a service coordinator who connects residents with meals, transportation, health services and benefits counselling.
Who is eligible
At least one household member must be 62 or older, and household income must be very low, generally at or below 50% of the area median. Each property runs its own application and waiting list, so you apply to the buildings themselves rather than to a central office.
Finding Section 202 properties
HUD's website lists affordable apartments by state and county, and your local Area Agency on Aging or 2-1-1 helpline can point you to senior developments nearby. Because waiting lists can be long, apply to several properties, respond promptly to any letters, and update the manager if your phone number or address changes.
What to ask before you accept a unit
Find out which utilities are included, whether the building has a service coordinator, what happens if your care needs increase, and whether the property has a pet policy that suits you. Visit at different times of day if you can, and speak with current residents.
Related programs
Section 202 works alongside Housing Choice Vouchers, public housing and the Low-Income Housing Tax Credit developments that often reserve units for seniors. Applying to more than one program is allowed and improves your chances.
