The Illinois Guide to Section 8 Housing
In Illinois, low-income individuals and families need access to safe and affordable housing in the private rental market. Federal housing assistance programs like Section 8 in Illinois offer vital assistance. Administered by local public housing authorities (PHAs), the program subsidizes a portion of rent. The main goal of Section 8, officially known as the Housing Choice Voucher (HCV) program, is to help low-income individuals and families afford decent, safe and sanitary housing in the private rental market.
This guide explains how Section 8 operates in Illinois, including eligibility criteria, income limits, and application processes to help you navigate the program effectively.
What is Section 8 Housing in Illinois
Under Section 8 in Illinois, eligible households receive housing vouchers from local PHAs when approved. These vouchers represent a commitment by the PHA to subsidize a portion of the tenant's rent and utilities.
Once individuals or families receive a voucher, they are responsible for finding a suitable rental unit in the private market. The chosen unit must meet specific health and safety standards, and the landlord must agree to participate in this program. This flexibility allows families to select homes that best meet their needs, including apartments, single-family houses, or townhouses.
What is the Most Section 8 Will Pay in Illinois?
The maximum amount that Section 8 in Illinois will pay is determined by the Fair Market Rent (FMR) for a specific area. HUD establishes the FMR, and it represents the average rent, including utilities (excluding telephone), for privately owned rental housing of a certain size in a particular geographic area.
This program uses the FMR as a baseline to calculate the maximum subsidy that can be provided to eligible households. The actual subsidy amount may be lower, depending on the family's income and the specific terms of the rental agreement. Participants typically pay 30% of their adjusted income toward rent, with the voucher covering the remainder up to the FMR. If the rent exceeds the FMR, participants must pay the difference out of pocket.
Fair Market Rent
The HUD Section 8 program pays rents for low-income households directly to private landlords. The Housing Authority of Illinois will pay about 70% of a tenant’s rent, while the tenant will pay the other 30%. Fair Market Rents generally determine the maximum rent that a Section 8 landlord will be allowed to charge their residents. The table below shows current fair market rents for Illinois.
What are the Illinois Section 8 Housing Requirements?
To qualify for Section 8 in Illinois, applicants must meet eligibility criteria set by HUD and implemented by local PHAs. The requirements may include, but are not limited to, the following:
- Income Limits: Applicants must have a household income that falls within the criteria established by HUD.
- Citizenship or Eligible Immigration Status: Applicants must be U.S. citizens, nationals or have eligible immigration status.
- Background Checks: Applicants and household members may be subject to criminal background checks. While a criminal record does not automatically disqualify individuals, certain criminal activities may impact eligibility.
- Rental History: Applicants must usually provide information about their rental history. This may include references from previous landlords and verification of the ability to maintain a lease.
- Family Composition: The household’s size and relationships determine the voucher size and eligible unit size.
What are the Income Limits for Housing Assistance Programs in Illinois?
Income limits for Section 8 in Illinois are determined by HUD and based on the area's median earnings and family size. These criteria are typically expressed as a percentage of the area median income (AMI). These limits help determine eligibility for this program and the level of assistance a household can receive, and are categorized as:
- Low Income: Below 80% of AMI
- Very Low Income: Below 50% of AMI
- Extremely Low Income: Below 30% of AMI
HUD updates income limits annually, and they can vary based on the specific geographic area (such as counties or metropolitan areas) within Illinois.
Income Limit
Income Limits are maximum income limits allowed based on household size. The following limits were established by HUD for low income households to be eligible for housing assistance in Illinois for 2024.
How Long Does it Take to Get Approved for Section 8 in Illinois?
The time it takes to get approved for Section 8 housing can vary based on several factors, including the local demand for vouchers, the availability of funding and the efficiency of the PHA while processing applications. Cities like Chicago often have waiting lists exceeding 3-5 years due to high demand, whereas rural areas may have shorter waiting times but fewer vouchers available.
Once an applicant's name comes up on the waiting list, the PHA will review the application to determine eligibility. The processing time can vary, and it depends on factors such as the number of applications being processed and the complexity of verifying applicant information. Approved participants must attend an orientation before receiving their vouchers.
How To Qualify for Section 8 in Illinois
To qualify for Section 8 in Illinois, applicants must:
- Meet Income Requirements: Income must fall within HUD’s limits for their household size and location.
- Provide Documentation: Proof of income, identification, and Social Security numbers for all household members.
- Pass Background Checks: All adult members must pass criminal background screenings.
- Comply with Program Rules: Participants must adhere to lease agreements and promptly report income or household changes.
How To Apply for Section 8 Housing in Illinois
To apply for Section 8 in Illinois, Odentify Your Local PHA (Visit the HUD PHA Directory for details.) Inquire about the application process and the availability of vouchers. Applications may be available online or in person at the PHA office.
As you complete the application, be sure to provide accurate information about your household, income, and housing needs. Include required documents such as proof of income, identification, and Social Security numbers.
After submission, you may be placed on a waiting list until a voucher becomes available. Applicants can check on the status of their application periodically.
Can I transfer my Section 8 Voucher to Illinois?
Yes, the Section 8 Housing Choice Voucher program allows for portability, which means that participants can transfer their voucher to another location, including transferring to or from Illinois. However, there are specific steps and considerations involved in the portability process.
- Notify your current PHA of your intent to move.
- Request portability paperwork and provide it to the receiving PHA in Illinois.
- Coordinate with both PHAs to ensure a smooth transition.
- Secure housing in Illinois that meets program requirements.
Can I Buy a House with a Section 8 Voucher in Illinois?
Those who use the Section 8 program in Illinois may be able to use their voucher to offset the cost of paying their mortgage after purchasing a home. Some Illinois PHAs participate in the Housing Choice Voucher Homeownership Program, allowing eligible families to use vouchers for mortgage payments. Requirements include:
- Being a first-time homebuyer.
- Meeting income and employment criteria.
- Completing homeownership counseling.
Contact your local PHA to learn more about this option.
What are the Public Housing Authorities in Illinois?
PHAs administer the Housing Choice Voucher program, which provides rental assistance to eligible low-income individuals and families. This involves issuing vouchers, conducting inspections of rental units and processing payments to landlords on behalf of renters.
HUD Housing Authorities Serving Illinois
Alexander County Housing Authority
Housing AuthorityThere Are Currently 158 Units Available in the Alexander County Housing Authority. These Low-income ...
Bureau County Housing Authority
Housing AuthorityThere Are Currently 322 Units Available in the Bureau County Housing Authority. These Low-income Hou...
Carroll County Housing Authority
Housing AuthorityThere Are Currently 90 Units Available in the Carroll County Housing Authority. These Low-income Hou...
Chicago Housing Authority
Housing AuthorityThere Are Currently 73371 Units Available in the Chicago Housing Authority. These Low-income Housing...
Clay County Housing Authority
Housing AuthorityThere Are Currently 187 Units Available in the Clay County Housing Authority. These Low-income Housi...
Decatur Housing Authority
Housing AuthorityThere Are Currently 1922 Units Available in the Decatur Housing Authority. These Low-income Housing ...
Dewitt County Housing Authority
Housing AuthorityThere Are Currently 243 Units Available in the Dewitt County Housing Authority. These Low-income Hou...
Dupage Housing Authority
Housing AuthorityThere Are Currently 3178 Units Available in the Dupage Housing Authority. These Low-income Housing ...
East Peoria Housing Authority
Housing AuthorityThere Are Currently 295 Units Available in the East Peoria Housing Authority. These Low-income Housi...
Edwards County Housing Authority
Housing AuthorityThere Are Currently 51 Units Available in the Edwards County Housing Authority. These Low-income Hou...
Illinois Waiting List for Section 8 Housing
The demand for vouchers often exceeds the available funding, leading to waiting lists in many areas. The waiting list for Section 8 in Illinois can vary by each PHA, as each one manages its own list. Remember that there will be regional variations, as well as priority applicants that will likely be taken into account as the PHA evaluates candidates. Applicants should keep their contact information current and monitor their status.
Is Emergency Housing Assistance Available in Illinois?
Yes; emergency assistance programs are available in Illinois to help low-income families facing immediate housing crises. Some include:
- Emergency Solutions Grants (ESG): This provides funding for homelessness prevention and rapid re-housing.
- Local Nonprofits: Organizations like the Salvation Army and Catholic Charities offer temporary housing solutions.
These programs are designed to provide temporary relief and support for those experiencing homelessness or imminent homelessness. Reach out to your local PHA or dial 211 for immediate assistance.
Emergency Rental Assistance Serving Illinois
Champaign County Emergency Rental Assistance Program
Program Type: County
Details: Offers emergency rental assistance, covid relief, utility assistance and more
Chicago Emergency Rental Assistance Program
Program Type: City
Details: Offers emergency rental assistance, covid relief, utility assistance and more
Cook County COVID-19 Recovery Rental Assistance
Program Type: County
Details: Offers emergency rental assistance, covid relief, utility assistance and more
Illinois Rental Payment Program
Program Type: State
Details: Offers emergency rental assistance, covid relief, utility assistance and more
Lake County Federal Emergency Rental Assistance (FERA)
Program Type: County
Details: Offers emergency rental assistance, covid relief, utility assistance and more
Madison County Emergency Rental Assistance
Program Type: County
Details: Offers emergency rental assistance, covid relief, utility assistance and more
McHenry County Emergency Utility and Rental Assistance Program
Program Type: County
Details: Offers emergency rental assistance, covid relief, utility assistance and more
Winnebago County Emergency Rental Assistance
Program Type: County
Details: Offers emergency rental assistance, covid relief, utility assistance and more
Section 8 in Illinois is a Resource for Many
Through Section 8 in Illinois, many families and individuals have access to rentals at an affordable rate. Those applying should make sure they understand the requirements of this program to ensure their success when acquiring a voucher. Our resources on Section 8 and other affordable housing programs can help renters learn more about the options available to them.
