If you are seeking affordable housing for yourself and your family in North Carolina, there are several agencies and programs available to assist you. North Carolina housing assistance programs focus on helping elderly, low-income, disabled and homeless individuals find safe, affordable places in which to live. Through NC housing assistance programs, you will be given lists of affordable housing facilities in your areas of interest and counseling regarding how to move into affordable housing, if necessary. If you wish to keep your current home, you can also request assistance from North Carolina housing program counselors to assist you with financial issues, such as refinancing or signing up for a reverse mortgage. A housing program can also teach you about your rights as a tenant and what to do if you feel that those rights are being violated. The sections below provide more information about North Carolina's various housing programs and resources which are available to you.
North Carolina HUD Offices
Many North Carolina housing assistance programs and resources are administered by the NC division of the United States Department of Housing and Urban Development (HUD). HUD is the national organization responsible for overseeing housing issues across all 50 states. The North Carolina Commission of Indian Affairs is designated by HUD as a public housing agency in NC and administers HUD programs in several counties, including Person, Warren, Sampson, Hoke, Columbus and Granville. If you presently reside in or plan to reside in a different North Carolina county, then you can obtain a list of public housing offices in that area online or from a public housing agency office in any other NC county.
The North Carolina Section 8 Housing Program
The NC Housing Choice Voucher Program, more commonly known as the Section 8 Housing Assistance Program, can provide you or your entire family with housing vouchers if you are elderly, disabled or have a low income. If you meet the requirements for the program, you can receive a voucher which will be accepted by your landlord, provided that you reside in a building where the landlord participates in the Housing Choice Voucher Program. You may use your Section 8 vouchers to cover part of your rent cost each month. Each voucher will subsidize the difference between a maximum of 30 percent of your household’s gross income and the total cost of your monthly rent. Your local public housing agency will determine the exact value of your monthly housing vouchers based on your family's income and other factors which are unique to your case.
Under North Carolina's Section 8 Program, both private housing and apartment complexes subsidized by the U.S. Department of Agriculture (USDA) are available. However, you may not qualify for a USDA subsidized apartment unless you have a family or you are elderly. If you do not qualify for USDA subsidized housing, then your local public housing agency office can provide you with a list of private apartment complexes and other forms of housing where the landlords accept Section 8 housing vouchers. You must then visit sites on the provided list until you find a location where you wish to reside. Properties can also be visited which are not on the housing list, but you will have to ask if they accept Section 8 vouchers.
The Arc of North Carolina is a program which can assist you if you are seeking housing for someone with a mental illness or disability. Arc connects developmentally disabled or mentally ill NC residents with housing to suit their specific needs. Available forms of housing through Arc include condominium, duplexes and group housing facilities.
North Carolina Tax Credit Properties
The North Carolina Housing Finance Agency (NCHFA) is another potential low-income property source for you. The NCHFA finances private apartments for low-income individuals and families known as tax credit properties. In order to qualify for a tax credit on property, you must earn no more than 60 percent of the medium income for your area at the time of your application. An NCHFA representative will tell you what the current income requirement for your area is when you apply for housing assistance.
North Carolina Oxford Houses
North Carolina Oxford Houses may be able to assist you if you are seeking housing while recovering from addiction. There are several NC Oxford House locations. Each Oxford House is home to several residents who are recovering from addictions and is maintained by the residents who live in it. The Oxford House program is designed to support recovering addicts while providing them with experiences and skills necessary to be contributing members of society. Oxford House residents typically use an Oxford House stay as a short stop before moving into regular housing. However, it is possible for you to stay at an Oxford House for as long as several years, if you are deemed to be in need of long-term assistance.
Other North Carolina Housing Resources
There are several North Carolina organizations which act as resources for those seeking housing assistance. One such organization is The North Carolina Housing Coalition, which provides home-ownership counseling, as well as information about homeless shelters, low-income apartment rental and many other housing-related topics. Other helpful organizations specializing in NC housing assistance include the Division of Aging and Adult Services, NC Housing Search and NC Social Services. If you have difficulty getting the assistance you require from any one organization above, you must utilize the combined resources of multiple organizations to find appropriate housing for yourself or your family.