The North Carolina Guide to Section 8 Housing

As of January 2025, the average rent in North Carolina is $1,329 per month. That means that a lot of families are stretching their budgets just to cover rent, leaving little for other needs. With 12.8% of people in the state living in poverty, it’s clear that many struggle to make ends meet. 

Section 8 in North Carolina is a lifeline for low-income families. It offers affordable housing options that help families stay in stable homes. One of the great things about Section 8 is that it lets you choose where you want to live, so you can settle in a community that works best for you. It’s been a huge help for many families who would otherwise face homelessness, allowing them to focus their money on other important things like food, transportation, and medicine.

What is Section 8 Housing in North Carolina

The Section 8 Housing Choice Voucher Program is a government-funded rental assistance program that is managed by local public housing authorities. It helps low-income families, seniors, and people with disabilities afford safe, decent housing in the private rental market. The goal is to make sure people can live in good conditions without breaking the bank.

What is the Most Section 8 Will Pay in North Carolina?

How much Section 8 will cover depends on the fair market rent in your area, which is determined by the U.S. Department of Housing and Urban Development (HUD). These figures are based on typical rental costs, so what you pay will depend on where you live. Generally, Section 8 covers between 90% and 110% of the fair market rent, meaning there’s some flexibility in what you can find.

The actual amount you’ll get depends on factors like your income, the rent in your area, and the local payment standards, but keep in mind that Section 8 won’t pay more than the maximum rent HUD sets for your unit size.

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What are the North Carolina Section 8 Housing Requirements?

To qualify for Section 8 in North Carolina, your household’s income has to be at or below 50% of the area’s median income (based on your family size). You also need to fall into one of the categories that Section 8 serves, such as families with children, seniors over 62, or people with disabilities. You also need to be a U.S. citizen or have eligible immigration status.

Once you’re approved for a housing voucher, you’ll need to find a rental unit that meets the local public housing authority’s standards. For example, the unit should have at least one bedroom per two people, and it needs to meet safety requirements like working utilities and passing inspections. Landlords can still screen tenants, even if they have a Section 8 voucher, so you might have to go through background checks or credit checks.

What are the Income Limits for Housing Assistance Programs in North Carolina?

Income limits for Section 8 are based on the area’s median income, and they vary depending on the size of your family. For Section 8 in North Carolina, you need to have a gross annual income at or below 50% of the area median income, while public housing programs typically have limits at 80% of the local median income.

Your gross income includes everything – wages, benefits, pensions, and other sources of income.

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How Long Does it Take to Get Approved for Section 8 in North Carolina?

The amount of time it takes to get approved for Section 8 housing vouchers in North Carolina can vary greatly depending on demand and available funding in each local area. After submitting an application, households can expect to wait 12 months or longer before receiving approval and a voucher. If you’re willing to move to areas with shorter wait times, you might get approved sooner.

In some high-demand areas such as Raleigh or Charlotte, the waiting list can extend to 3 to 5 years for a Section 8 voucher. Priority always goes to veterans, disabled applicants, and people who have been displaced by government action.

How To Qualify for Section 8 in North Carolina

To qualify for Section 8, your income needs to meet the program’s limits, and you need to fall into one of the eligible categories:

• Families with children
• Seniors
• People with disabilities

You’ll also need to show proof of U.S. citizenship or eligible immigration status.

Once you’ve applied, the housing authority will ask for documentation to verify your income, assets, and family members. They’ll also conduct background checks on adults in the household. If you have a criminal history, it could affect your eligibility, especially if there’s any recent drug use or violent behavior on your record.

How To Apply for Section 8 Housing in North Carolina

To apply for Section 8 in North Carolina, you’ll need to request an application from the local housing authority. Many agencies let you download the application from their website, or you can submit it online. You’ll need to provide personal information about your family, income, and any special preferences you might have (like disability or veteran status).

Once you’re selected, you’ll need to provide documentation to back up your application. You’ll also go through background checks. Be ready to renew your application every year, and always make sure you stay in compliance with the program’s guidelines.

Can I transfer my Section 8 Voucher to North Carolina?

If you’re moving to North Carolina from another state, you can transfer your Section 8 voucher as long as you’ve lived in the area where your voucher was issued for at least 12 months. You can ask about exceptions if you’re a victim of domestic violence or using the voucher for the first time.

Just make sure you notify both your current housing agency and the new one that you plan on moving, and confirm they’ll be able to accept your voucher. Keep in mind that the payment standards may differ from one area to another, so your subsidy level could change.

Can I Buy a House with a Section 8 Voucher in North Carolina?

You can buy a house with your Section 8 voucher through the Homeownership Voucher Program, but you'll need to meet certain requirements. For example, you need to have participated in the rental program for at least a year, and you'll need to show that you have a stable income and can afford a mortgage. You also have to complete pre-purchase counseling and financial literacy training to show that you're prepared for homeownership. 

Your housing authority will set a maximum mortgage amount based on your income and family size. The voucher can help with the down payment and reduce your monthly mortgage payment, making homeownership more accessible.

If you’re interested in pursuing homeownership, it’s a good idea to check with your local public housing authority to understand the specific eligibility and application process in your area.

What are the Public Housing Authorities in North Carolina?

North Carolina has over 160 public housing authorities across its 100 counties, which manage Section 8 vouchers and other affordable housing programs. Each authority serves a specific area and provides rental support to eligible families and individuals.

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North Carolina Waiting List for Section 8 Housing

Because of high demand, waiting lists for Section 8 in North Carolina can be long. Some areas open their lists only once or twice a year, so it’s important to keep an eye on when applications are being accepted. 

If you get on the list, you could wait anywhere from a few months to 8 years, especially in areas like Raleigh and Charlotte. Local housing authorities prioritize veterans, elderly individuals, and people with disabilities.

Is Emergency Housing Assistance Available in North Carolina?

North Carolina offers emergency housing assistance programs for qualifying residents who are at risk of homelessness. These programs include shelters, transitional housing, and rapid rehousing to help people get back on their feet.

Funds for back rent, security deposits, and utilities are available to help prevent eviction and foreclosure, and these programs are supported by partnerships with local agencies, non-profits, and state/federal grants.

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Can Section 8 in North Carolina Reduce Your Housing Costs?

You shouldn't have to choose between having a roof over your head and covering other essential needs. Section 8 in North Carolina can help pay part of your rent, taking some of the financial pressure off. This assistance has been a game-changer for many families across the state, and it could help you, too. Review our open waiting lists and apply today.