Kentucky Affordable Housing: Income Limits & Renter Eligibility

Understanding whether you qualify for affordable housing programs in Kentucky can feel overwhelming, especially with changing rules and forms. Many renters face rising rents or maintenance challenges, making eligibility for affordable housing a critical lifeline. This guide explains how income limits for Kentucky's main affordable housing programs work, what you need to know to apply, and where to get help.

How Income Limits Are Set for Affordable Housing in Kentucky

The federal government, working with the Kentucky Housing Corporation (KHC), sets income limits each year based on your area’s Median Family Income (MFI). Income limits are updated annually and determine who qualifies for different support programs, including Section 8 Housing Choice Vouchers, public housing, and subsidized apartments.

  • Very Low Income: 50% or less of the local MFI.
  • Extremely Low Income: Often 30% or less of the MFI.
  • Low Income: 80% or less of the local MFI.

For 2024, you can find the latest income limit charts for your county and family size on the U.S. Department of Housing and Urban Development (HUD) Income Limits Tool.

Example: Fayette County (Lexington), 2024

  • 1-person household: Very Low Income = $33,500
  • 4-person household: Very Low Income = $47,800
  • 4-person household: Low Income = $76,500

Your actual county may have different figures. Always check the latest limits for your specific location.

Key Affordable Housing Programs in Kentucky

Why Do These Limits Matter?

To be approved for rental assistance in Kentucky, you must meet specific income limits for your household size. These guidelines ensure support goes to renters with the greatest need.

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Forms You’ll Need: Applying for Affordable Housing Programs

  • Pre-Application Form (KHC Standard Application): This form starts your request for Section 8 or subsidized housing. Submit it to your local housing authority or through the Kentucky Housing Corporation portal.
  • HUD Form 9886: Authorization for Release of Information
    • HUD Form 9886
    • Used to allow the housing agency to verify your income with employers, the IRS, and government agencies.
    • Example: If you are applying for Section 8, you’ll be asked to sign HUD Form 9886 so the housing authority can check your earnings and benefits.
  • Income Documentation: You will also need to provide pay stubs, benefits statements, and tax returns to prove your household income for eligibility review.
Be prepared to update your application if your income changes. Keeping your housing authority informed helps protect your eligibility.

The Tribunal Handling Residential Tenancies in Kentucky

In Kentucky, there is no single statewide board for landlord-tenant disputes. However, renter complaints or disputes may be handled by local District Courts or Family Courts—especially for matters like eviction, rent, and maintenance. Each county may offer its own procedures.

Relevant Tenancy Legislation

Kentucky's main law for landlord-tenant relationships is the Kentucky Uniform Residential Landlord and Tenant Act (KRS Chapter 383), but not every city or county has adopted it. Always check if your city (such as Lexington or Louisville) falls under this act for enhanced protections.[1]

Typical Steps to Apply for Income-Based Housing

  • Check your household’s income against the limits for your county (HUD Income Limits).
  • Gather income verification documents (pay stubs, benefit letters, tax records).
  • Complete the application form through your local housing authority or online at KHC.
  • Sign and submit all required authorization forms (such as HUD Form 9886).
  • Wait for confirmation, interview, and possible placement on the waiting list.

Most programs have waitlists; special priority may be given to the elderly, people with disabilities, or families with children.

FAQ: Kentucky Renters and Income Limits

  1. What is considered “income” for affordable housing applications?
    Income includes money from jobs, Social Security, disability benefits, child support, and most regular payments received by anyone in your household.
  2. What should I do if my household income changes after I apply?
    Notify your housing authority immediately. Not reporting changes can affect your eligibility or amount of assistance.
  3. How can I check if my city is covered by the Kentucky Uniform Residential Landlord and Tenant Act?
    Contact your local housing authority or check city ordinances for adoption of KRS 383.
  4. Do I have to pay back rental assistance?
    No, genuine rental assistance programs like Section 8 do not require repayment as long as eligibility is maintained and no rules are broken.
  5. Can I apply to several programs at once?
    Yes, you may apply to multiple subsidized housing programs to increase your chances of receiving help.

Conclusion: Key Takeaways for Kentucky Renters

  • Income limits vary by city, county, and household size—always check the latest charts.
  • Complete and submit all official forms and keep your information updated for continued eligibility.
  • Local courts handle housing disputes; specific rental rights may depend on whether your city has adopted the Kentucky Uniform Residential Landlord and Tenant Act.

Staying informed about Kentucky’s affordable housing programs and following the required steps can help you access vital rental support.

Need Help? Resources for Renters


  1. The Kentucky Uniform Residential Landlord and Tenant Act (KRS Chapter 383) governs many landlord-tenant relationships in cities/counties where adopted. Always confirm which law applies to your area.
Bob Jones
Bob Jones

Editor & Researcher, Renter Rights USA

Bob writes and reviews tenant law content for various regions. They’re passionate about housing justice and simplifying legal protections for tenants everywhere.