The New Jersey Guide to Section 8 Housing

If you’re struggling with rent in New Jersey, you’re not alone. The average rent is

$2,016

per month, and the state has the 5th most expensive rent in the country. In fact, around 74% of extremely low-income renters spend more than half of their income on housing. With rents so high, it's no wonder that many families struggling to manage their finances. This is where Section 8 in New Jersey can make a big difference.

What is Section 8 Housing in New Jersey

Section 8, or the Housing Choice Voucher Program, is managed by local Public Housing Agencies (PHAs) and helps people with low incomes pay for housing by covering a portion of their rent. With the rising cost of living, having Section 8 assistance can make a significant impact on whether you can be financially stable without having to choose between paying bills or buying groceries.

Under the Section 8 program in New Jersey, you receive a voucher you can use to pay rent at privately owned rentals rather than public housing complexes. Property owners who accept Section 8

rental vouchers

must meet HUD’s quality standards to ensure homes are well-maintained and safe.

What is the Most Section 8 Will Pay in New Jersey?

Several factors affect how much Section 8 in New Jersey covers:

• Your Income:

  You usually pay about 30% of your adjusted income toward rent, and the program covers the rest.

• Family Size:

  Larger families often qualify for a higher subsidy because they need bigger housing.

• Fair Market Rent (FMR):

  HUD sets FMR for each area, showing typical local rent costs. Section 8 pays any difference between your share and the FMR, up to a set limit.

If the rent on your chosen home is higher than the FMR, you may pay more on your own. It helps to ask your PHA about specific limits before signing a lease.

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What are the New Jersey Section 8 Housing Requirements?

Every PHA follows federal HUD rules, though details vary by location. In most cases, you must meet the following:

1. Income Limits: Your total household income needs to be within HUD’s guidelines based on local income levels.
2. Citizenship or Eligible Immigration Status: At least one household member must be a U.S. citizen or meet certain immigration rules.
3. Decent Rental History: Having no recent evictions or serious lease violations usually improves your chances of approval.

Some PHAs give priority to local residents, veterans, people with disabilities, or households experiencing homelessness. Ask your local PHA about any additional preferences.

What are the Income Limits for Housing Assistance Programs in New Jersey?

In New Jersey, HUD uses percentages of the Area Median Income (AMI) to figure out who qualifies for housing assistance programs such as Section 8. These income levels look like this:

• Extremely Low-Income: 30% of AMI or below
• Very Low-Income: 50% of AMI
• Low-Income: 80% of AMI

Because New Jersey has many PHAs—often one for each county—the exact income limits in your area will vary.

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How Long Does it Take to Get Approved for Section 8 in New Jersey?

The time it takes to get approved for Section 8 depends on several factors, including the amount of funding each PHA receives, the number of applicants on their waiting list, and the agency’s internal processes. In some areas, you may receive approval within a few months, while other areas have waiting lists that last a year or more. Because PHAs often prioritize urgent cases, such as people facing homelessness or other emergencies, your personal timeline may vary.

How To Qualify for Section 8 in New Jersey

You qualify for Section 8 if you meet the eligibility rules set by HUD. You must show that your total household income fits within HUD’s limits, which depend on your local median income and your family size. Many PHAs in New Jersey give preference to local residents, so you may be on a waiting list because demand often exceeds available vouchers.

How To Apply for Section 8 Housing in New Jersey

Here are some general steps to apply for Section 8 in New Jersey:

1. Contact the Local PHA: Find the PHA that serves your area. Each region in New Jersey manages its own Section 8 program.
2. Confirm Eligibility: Check that you meet all requirements, including income limits, citizenship status, and any other guidelines.
3. Gather Documents: Get proof of income, identification, and other paperwork for everyone in your household. Having these ready can speed up the application.
4. Complete the Application: Get a Section 8 application from the PHA or fill it out online if available. Provide clear and accurate details about your household, income, and current housing situation.
5. Submit the Application: Turn in your finished application by the deadline. Some PHAs let you submit online, while others may require mailing or an in-person drop-off, so check with your local PHA to confirm.

Following these steps closely increases your chance of receiving the assistance you need.

Can I transfer my Section 8 Voucher to New Jersey?

If you originally received your voucher in another area, you can transfer it to a Section 8 house in New Jersey through a process called portability. You contact your current housing authority, fill out the required forms, and ask them to send your information to a New Jersey housing authority. The New Jersey office will review your eligibility, explain any local rules, and oversee your voucher once you move. 

Portability helps you keep your rental assistance if you decide to relocate, whether you move from a nearby county or a different state. It supports your stability and allows you to live closer to work, family, or medical care while still receiving the housing help you need.

Can I Buy a House with a Section 8 Voucher in New Jersey?

You can use your Section 8 voucher to purchase a home through the Section 8 Homeownership Program in New Jersey. The federal government funds this program, and it helps qualified first-time homebuyers put their monthly rental assistance toward homeownership costs.

What are the Public Housing Authorities in New Jersey?

PHAs in New Jersey handle Section 8 by determining eligibility, issuing vouchers, and overseeing financial aid for renters who qualify. Some PHAs also own and manage public housing developments, which offer affordable units for low-income residents. 

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New Jersey Waiting List for Section 8 Housing

Most waiting list procedures vary among New Jersey PHAs, and the wait time depends on factors like voucher availability, funding, and the number of applicants. Some PHAs open their lists during specific time frames and accept applications then, while others keep longer-standing waiting lists.

Is Emergency Housing Assistance Available in New Jersey?

Yes, New Jersey offers emergency housing assistance for people facing a housing crisis. Different programs provide temporary relief and help prevent homelessness when you need immediate support. 

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Section 8 in New Jersey Supports Many Low-Income Households

You may feel overwhelmed when searching for affordable housing, but you’re not alone. Rents have been rising faster than in many other areas, making it harder for people to find affordable places to live. You deserve a comfortable home, and Section 8 in New Jersey can help you cover rent costs and free up money for essentials. If you’re ready to explore your options, check out our Section 8 waiting lists to see where you can apply.