How to Apply for Section 202: Complete 2025 Guide for Senior Housing

What is Section 202 Housing?

Section 202 is a specialized housing program designed specifically for low-income seniors aged 62 and older. Unlike standard Section 8 housing, Section 202 provides not just affordable apartments but also a support system to help seniors maintain their independence.

The program offers:

• Subsidized rent (tenants pay only 30% of their adjusted income)
• Accessible units with features for aging residents
• Support services that may include meal programs, transportation, housekeeping assistance, and wellness programs
• Community spaces designed for senior activities and socialization

These supportive features make Section 202 an excellent option for seniors who need some assistance but don’t require full nursing home care.

How Section 202 Housing Works

Section 202 properties are owned and operated by nonprofit organizations with financial support from the U.S. Department of Housing and Urban Development (HUD). This partnership ensures that:

1. Rents remain affordable for low-income seniors
2. Properties meet safety and accessibility standards
3. Appropriate supportive services are available to residents

Each Section 202 property has rental assistance attached to specific units, meaning residents pay only 30% of their adjusted income toward rent, regardless of the actual market rate for that apartment.

Eligibility Requirements for Section 202 Housing

To qualify for Section 202 housing, applicants must meet specific criteria:

Age Requirements

At least one member of the household must be 62 years or older at the time of application.

Income Limits

Your household income must typically be at or below 50% of the Area Median Income (AMI) for your location. In some cases, properties may set lower income requirements.

To check income limits in your area, visit the HUD Income Limits Documentation System or use this affordable housing income calculator.

Citizenship/Immigration Status

Applicants must be U.S. citizens or have eligible immigration status. Property managers will require documentation to verify eligibility.

Background Checks

Most Section 202 properties conduct background checks as part of the application process. Factors that might affect eligibility include:

• Eviction from HUD housing within the past five years
• Previous termination of housing assistance
• Outstanding debts to any housing authority
• Certain criminal records, particularly those involving drugs, violence, or crimes that would pose a threat to other residents

Step-by-Step Application Process for Section 202 Housing

Step 1: Verify Your Eligibility

Before beginning your application, confirm you meet all eligibility requirements:

1. Verify age requirements: Ensure at least one household member is 62 years or older.
2. Calculate your household income: Determine your adjusted household income by gathering documentation of all income sources (Social Security benefits, pensions, investments, etc.) and allowable deductions.
3. Check local income limits: Income limits vary by location, so research the specific limits for the area where you’re applying.
4. Research property-specific requirements: Some Section 202 properties have additional preferences or restrictions, such as giving priority to local residents or those participating in certain assistance programs.

For a deeper understanding of income calculations for affordable housing programs, read our article on Income Eligibility for Housing Assistance Programs.

Step 2: Find Available Section 202 Properties

Finding Section 202 housing requires research, as availability varies by location:

1. Use online resources: Several websites compile listings of low-income senior housing:
   • HUD Resource Locator
   • Affordable Housing Online
   • Senior Housing Net
2. Contact your local HUD office: The regional HUD office can provide information about Section 202 properties in your area. Find your local office through the HUD Local Office Directory.
3. Reach out to senior services agencies: Area Agencies on Aging and other senior service organizations often maintain lists of affordable housing options for seniors.
4. Visit properties directly: Once you identify potential properties, contact them directly to inquire about availability, application procedures, and waiting list information.

When researching properties, consider these factors:

• Location and proximity to healthcare, shopping, and family
• Available amenities and supportive services
• Public transportation access
• Community atmosphere and activities
• Safety features and accessibility

For more options for senior housing, check our guide on Seniors Applying for Housing Choice Vouchers.

Step 3: Complete the Application Process

Once you’ve identified Section 202 properties that interest you, it’s time to apply:

1. Obtain an application: Applications may be available:
   • Online through the property’s website
   • In person at the property management office
   • By mail upon request
   • Through a local senior services agency
2. Gather required documentation: Typically, you’ll need:
   • Government-issued photo ID for all adult household members
   • Birth certificates or other age verification documents
   • Social Security cards or numbers for all household members
   • Income verification (Social Security award letters, pension statements, tax returns)
   • Bank statements and asset information
   • Medical expense documentation (for income adjustment purposes)
   • Previous housing information and landlord references
   • Emergency contact information
3. Complete the application thoroughly: Answer all questions accurately and honestly. Incomplete or inaccurate information can delay processing or result in rejection.
4. Submit according to instructions: Follow the property’s submission guidelines exactly. Some properties only accept applications:
   • During specific application periods
   • Through specific methods (online, mail, or in-person)
   • With application fees (though these are typically nominal)

Important note: Many Section 202 properties have waiting lists. Apply to multiple properties to increase your chances of finding housing sooner.

Step 4: Manage Your Wait List Status

After submitting your application, you’ll likely be placed on a waiting list:

1. Document your applications: Keep records of:
   • Where you’ve applied
   • When you applied
   • Contact information for each property
   • Any confirmation numbers or reference information
2. Stay in contact: Check in periodically (every 3-6 months) to:
   • Confirm you’re still on the waiting list
   • Update any changes to your contact information
   • Verify your continued interest in the property
3. Respond promptly to communications: Many properties conduct periodic “purges” of their waiting lists by contacting applicants. If you don’t respond, you may be removed from the list.
4. Update your application if circumstances change: Notify properties of changes in:
   • Contact information
   • Household composition
   • Income or financial situation
   • Medical status that might affect housing needs

For tips on managing housing waiting lists, see our article on How to Confirm Your Housing Application Status.

Step 5: Prepare for and Attend the Final Interview

When a unit becomes available, the property manager will contact you for a final eligibility interview:

1. Gather updated documentation: Be prepared to provide current versions of all documentation from your initial application.
2. Prepare for verification: The property management will verify:
   • Your identity and age
   • Income and assets
   • Housing history
   • Background check information
   • Medical expenses (for rent calculation)
3. Attend the interview: The interview may require:
   • Just the applicant
   • All adult household members
   • Sometimes all household members
4. Answer questions honestly: Be forthright about your situation, needs, and background.
5. Ask questions: Use this opportunity to learn more about:
   • Community policies and rules
   • Available services
   • Move-in procedures
   • Lease terms and conditions

Tips to Improve Your Chances of Securing Section 202 Housing

Apply to Multiple Properties

Due to limited availability, applying to multiple Section 202 properties significantly increases your chances of success. Create a spreadsheet to track your applications and follow-up communications.

Consider Related Housing Programs

While waiting for Section 202 housing, explore these alternative programs:

• Housing Choice Vouchers (Section 8): Some PHAs have special vouchers designated for seniors.
• Public Housing for Seniors: Many public housing authorities operate senior-specific buildings.
• Low-Income Housing Tax Credit (LIHTC) Properties: These privately owned properties offer reduced rents and often include senior-designated buildings.

Learn more about these options in our article on Types of Housing in the U.S..

Be Prepared to Document Medical Expenses

Section 202 allows deductions for medical expenses when calculating rent payments. Keep detailed records of:

• Prescription costs
• Health insurance premiums
• Medical appointment costs
• Medical equipment expenses
• Other qualifying healthcare costs

Consider Properties in Different Areas

Waiting lists tend to be shorter in:

• Rural areas
• Smaller towns
• Developing neighborhoods
• Areas farther from downtown

Being flexible about location can significantly reduce your wait time.

Keep Your Records Organized

Maintain a folder with:

• Copies of all applications
• Lists of where you’ve applied
• Contact information for each property
• A calendar of follow-up dates
• Copies of all supporting documentation

Common Questions About Section 202 Housing

How long are Section 202 waiting lists?

Waiting times vary dramatically by location, from a few months to several years. Urban areas and desirable neighborhoods typically have longer waiting lists than rural or less populous areas.

Can family members live with me in Section 202 housing?

While Section 202 is designed for seniors, family members can sometimes live in the unit if they meet program requirements. However, the household must include at least one person who is 62 or older, and total household income must meet eligibility guidelines.

What supportive services are available in Section 202 housing?

Services vary by property but commonly include:

• Transportation assistance
• Meal programs or community dining
• Housekeeping assistance
• Social activities and educational programs
• Wellness checks
• Coordination with healthcare providers
• Recreation and fitness opportunities

Can I have pets in Section 202 housing?

Most Section 202 properties allow pets, though there may be restrictions on:

• Number of pets
• Size and type of animals
• Pet deposits or fees

Service animals and emotional support animals are generally permitted with proper documentation. Learn more in our article on Service Animals vs. Emotional Support Animals.

What happens if my income changes after I move in?

Rent in Section 202 housing is calculated as 30% of your adjusted income. If your income changes, report it to property management promptly. Your rent will be adjusted accordingly during annual recertification or sometimes sooner for significant income changes.

Taking the Next Steps

Section 202 provides valuable housing options for low-income seniors, but securing a unit requires preparation, patience, and persistence. Begin your search early—ideally before you urgently need housing—to maximize your options.

While waiting for Section 202 housing, explore other affordable housing programs through our guides on Housing Grants and Benefits of Affordable Housing.

Additionally, connect with your local Area Agency on Aging or senior services department for assistance with housing applications and to learn about other available resources for seniors in your community.

For information about additional assistance programs for seniors, read our guides on SSDI and SSI Benefits and Medicare Enrollment.