The Iowa Guide to Section 8 Housing

Affordable housing can be a challenge in Iowa, especially as demand increases in growing communities. If you're looking for affordable housing options in the Hawkeye State, you are in the right place. Section 8 in Iowa, part of the Housing Choice Voucher Program, helps low-income families and individuals afford safe and decent housing in the private market.  

This comprehensive guide will walk you through the ins and outs of Section 8 in Iowa, providing insights on eligibility, requirements, and the application process.

What Is Section 8 Housing in Iowa?

Section 8 Housing in Iowa is a program designed to help people with low incomes find suitable and affordable housing. Local public housing authorities (PHAs) run this initiative to make housing more accessible by providing rental subsidies to eligible individuals and families. The program allows participants to choose their housing in the private market rather than live in government-owned buildings.

What Is the Most Section 8 Will Pay in Iowa?

The answer here depends on many factors, including your income, family size, and the local rental market. The maximum subsidy Section 8 provides is based on Fair Market Rent (FMR), which HUD calculates annually to reflect rental costs in each region. 

Generally, you'll pay around 30% of your adjusted gross income toward rent. Iowa’s Section 8 program steps in to cover the rest up to the FMR. The average cost to rent a home varies based on location and size of the property. HUD takes your location into account when determining the size of the voucher you receive.

What Are the Iowa Section 8 Housing Requirements?

To qualify for Section 8 in Iowa, you need to meet specific criteria.

• Income Limits: Household income must not exceed HUD’s thresholds, which are based on Area Median Income (AMI) and adjusted for family size.
• Citizenship or Immigration Status: Applicants must be U.S. citizens or eligible non-citizens.
• Background Checks: All adult household members must pass criminal background screenings. Certain convictions, such as drug-related offenses, may disqualify applicants.
• Rental History: A positive rental history improves the chances of approval.
• Compliance with Program Rules: Participants must adhere to program regulations and report income changes promptly.

If you can meet these requirements, you are well on your way. It may not 

guarantee

that you'll receive housing assistance, but it will mean that you'll be considered by the PHA.

What Are the Income Limits for Housing Assistance Programs in Iowa?

Income limits for Section 8 in Iowa are updated annually and based on the Area Median Income (AMI) for each region. Income limits for the program differ based on which part of Iowa you live in, but most local housing authorities accept applications from those who make less than 70% of the area’s median income. The median household income for Iowa is $73,147 but it varies across the state.

HUD also sets income thresholds based on the number of people sharing your home. These limits ensure that assistance goes to those who need it the most. 

How Long Does it Take To Get Approved for Section 8 in Iowa?

The length of the approval process varies based on several factors, including demand and PHA resources.

• Urban Areas: Cities like Des Moines often have waiting lists of 1-3 years.

• Rural Areas: Shorter wait times (but fewer available vouchers).

It can take several weeks to a few months, depending on factors such as the number of applicants and the efficiency of the local public housing authority. Staying in regular communication with the PHA can help speed up the process, so be patient and persistent.

Once approved, participants typically have 60-90 days to find a rental unit that meets program standards.

How To Qualify for Section 8 in Iowa

Taking proactive steps now can increase your likelihood of getting approved for Iowa’s Section 8 housing program once you apply. Here are some actionable tips:

• Meet Income Requirements: Household income must fall within HUD’s limits for their location and family size.

• Provide Documentation: Proof of income, identification, and Social Security numbers for all household members.

• Pass Background Checks: Adult household members must clear criminal background screenings.

• Comply with Program Rules: Participants must adhere to lease agreements and promptly report income or household changes.

Locate your local public housing authority and learn when and how they accept applications. Remember, priority is often given to extremely low-income households, seniors, disabled individuals, and those experiencing homelessness.

How To Apply for Section 8 Housing in Iowa

When you are ready to take the next step, applying for Section 8 in Iowa is a straightforward process. You can obtain and submit applications through your local PHA. Application methods may include online submissions, in-person visits, or mailing in your documents.

Proper preparation, including gathering required documents, will make the application process more efficient. Have the following information on hand for all family members:

• Full name
• Date of birth
• Social security number
• Citizenship status
• Type of disability, if applicable

Provide accurate information about household income, size, and housing needs. Once approved, you will also need to present documentation for all the above information, including social security cards, birth certificates, proof of income, and proof of disability.

Some PHAs require interviews as part of the application process. Then, approved applicants are placed on a waiting list and notified when a voucher becomes available.

Can I Transfer my Section 8 Voucher to Iowa?

Yes—if you are already in the Section 8 program and considering a move to Iowa, you can transfer your voucher. Under certain conditions, Section 8 vouchers are portable:

1. Notify your current PHA of your intent to move.
2. Request portability paperwork and provide it to the receiving PHA in Iowa.
3. Coordinate with both PHAs to ensure a smooth transition.
4. Secure housing in Iowa that meets program requirements.

Approval depends on factors such as fund availability and program openings. Start by communicating with both PHAs to facilitate a smooth transition to Section 8 in Iowa. 

Can I Buy a House With a Section 8 Voucher in Iowa?

Besides helping with rent, HUD can also enable eligible families to use vouchers toward mortgage payments. Some PHAs in Iowa, such as the Eastern Iowa Regional Housing Authority, participate in this program, providing a valuable pathway for families seeking homeownership.

To qualify, families must meet specific criteria. These include earning no more than 50% of the county's median income, securing a mortgage with an approved lending institution, and being classified as first-time homebuyers. Additionally, participants are required to complete educational counseling sessions designed to prepare them for the responsibilities of homeownership.

It is important to note that this program is not available in all parts of Iowa, as participation varies by PHA. To determine whether the program is offered in your area and to learn more about the eligibility requirements, contact your local PHA directly.

What Are the Public Housing Authorities in Iowa?

Iowa has a large number of PHAs to manage Section 8 Housing programs. These entities administer rental subsidies, determine eligibility, and oversee the application process. 

You cannot simply choose the PHA you want to work with. Instead, you must apply to the one closest to the location where you want to live.  Familiarizing yourself with your local PHA will help you navigate the Section 8 in Iowa process more effectively.

HUD Housing Authorities Serving Iowa

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Afton Housing Commission

Housing Authority

There Are Currently 30 Units Available in the Afton Housing Commission. These Low-income Housing Units Consist of Section 8, Public Housing, and Low-income Housing Tax Credit Properties. the Afton Housing Commission Serves the , Metropolitan Area.

There Are Currently 30 Units Available in the Afton Housing Commission. These Low-income Housing Uni...

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Albia Housing Agency

Housing Authority

There Are Currently 136 Units Available in the Albia Housing Agency. These Low-income Housing Units Consist of Section 8, Public Housing, and Low-income Housing Tax Credit Properties. the Albia Housing Agency Serves the , Metropolitan Area.

There Are Currently 136 Units Available in the Albia Housing Agency. These Low-income Housing Units ...

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Area Xv Multi-County Housing Agency

Housing Authority

There Are Currently 506 Units Available in the Area Xv Multi-county Housing Agency. These Low-income Housing Units Consist of Section 8, Public Housing, and Low-income Housing Tax Credit Properties. the Area Xv Multi-county Housing Agency Serves the , Metropolitan Area.

There Are Currently 506 Units Available in the Area Xv Multi-county Housing Agency. These Low-income...

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Cedar Falls Housing Commission

Housing Authority

There Are Currently 326 Units Available in the Cedar Falls Housing Commission. These Low-income Housing Units Consist of Section 8, Public Housing, and Low-income Housing Tax Credit Properties. the Cedar Falls Housing Commission Serves the , Metropolitan Area.

There Are Currently 326 Units Available in the Cedar Falls Housing Commission. These Low-income Hous...

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Cedar Rapids Housing Services

Housing Authority

There Are Currently 1290 Units Available in the Cedar Rapids Housing Services. These Low-income Housing Units Consist of Section 8, Public Housing, and Low-income Housing Tax Credit Properties. the Cedar Rapids Housing Services Serves the , Metropolitan Area.

There Are Currently 1290 Units Available in the Cedar Rapids Housing Services. These Low-income Hous...

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Centerville Municipal Housing Agency

Housing Authority

There Are Currently 198 Units Available in the Centerville Municipal Housing Agency. These Low-income Housing Units Consist of Section 8, Public Housing, and Low-income Housing Tax Credit Properties. the Centerville Municipal Housing Agency Serves the , Metropolitan Area.

There Are Currently 198 Units Available in the Centerville Municipal Housing Agency. These Low-incom...

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Central Iowa Regional Housing Authority

Housing Authority

There Are Currently 1140 Units Available in the Central Iowa Regional Housing Authority. These Low-income Housing Units Consist of Section 8, Public Housing, and Low-income Housing Tax Credit Properties. the Central Iowa Regional Housing Authority Serves the , Metropolitan Area.

There Are Currently 1140 Units Available in the Central Iowa Regional Housing Authority. These Low-i...

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Charles City Housing and Redev Authority

Housing Authority

There Are Currently 355 Units Available in the Charles City Housing and Redev Authority. These Low-income Housing Units Consist of Section 8, Public Housing, and Low-income Housing Tax Credit Properties. the Charles City Housing and Redev Authority Serves the , Metropolitan Area.

There Are Currently 355 Units Available in the Charles City Housing and Redev Authority. These Low-i...

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City of Dubuque

Housing Authority

There Are Currently 1102 Units Available in the City of Dubuque. These Low-income Housing Units Consist of Section 8, Public Housing, and Low-income Housing Tax Credit Properties. the City of Dubuque Serves the , Metropolitan Area.

There Are Currently 1102 Units Available in the City of Dubuque. These Low-income Housing Units Cons...

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City of Iowa City Housing Authority

Housing Authority

There Are Currently 1474 Units Available in the City of Iowa City Housing Authority. These Low-income Housing Units Consist of Section 8, Public Housing, and Low-income Housing Tax Credit Properties. the City of Iowa City Housing Authority Serves the , Metropolitan Area.

There Are Currently 1474 Units Available in the City of Iowa City Housing Authority. These Low-incom...

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Iowa Waiting List for Section 8 Housing

Due to high demand, most locations have a waiting list for Section 8 in Iowa. However, some factors do result in particular applicants receiving priority. For example, seniors, disabled individuals, and extremely low-income households may receive housing assistance before others. Additionally, wait times vary by region, and are typically shorter in rural areas compared to urban centers.

Not sure where you are on the list? Check in with your PHA for updates, which may help prepare you for potential delays in the process.

Is Emergency Housing Assistance Available in Iowa?

HUD provides organizations in Iowa with money from the Emergency Solutions Grant (ESG) to offer emergency housing assistance, which provides rapid re-housing and homelessness prevention services. Individuals cannot receive these funds directly but should apply through the Coordinated Entry Program. 

Support for those at risk of homelessness may include temporary shelter, rapid rehousing programs, or other emergency services. Organizations like the Salvation Army and local Community Action Agencies offer temporary shelter and rental assistance as well. Here are some resources that may help:

Emergency Rental Assistance Serving Iowa

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Emergency Rental Assistance Program (ERAP)

Program Type: County

Details: Offers emergency rental assistance, covid relief, utility assistance and more

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Iowa Rent and Utility Assistance Program

Program Type: State

Details: Offers emergency rental assistance, covid relief, utility assistance and more

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Linn County Emergency Rental Assistance

Program Type: County

Details: Offers emergency rental assistance, covid relief, utility assistance and more

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Getting Started With Section 8 in Iowa

Section 8 in Iowa is a valuable resource for low-income households, empowering them to secure affordable housing and improve their quality of life. Whether you are considering applying, in the midst of the application process, or already a participant, understanding the ins and outs of the program empowers you to make informed decisions about your housing needs. Check the waiting lists in your area to get started.