Massachusetts Affordable Housing Income Limits: What Renters Need to Know

Affordable housing in Massachusetts provides crucial support for renters seeking stability and lower-cost homes. But to qualify for these programs, your household income must fall within certain limits set by law each year. Understanding how these limits work can help you decide if you may be eligible and how to apply for subsidized housing or rental assistance in Massachusetts.

What Are Income Limits for Affordable Housing in Massachusetts?

Income limits determine if your household can apply for state and federal rental assistance or subsidized housing. In Massachusetts, these limits are set each year by the U.S. Department of Housing and Urban Development (HUD) and are based on factors like household size, total gross income, and the average income for your area (known as Area Median Income, or AMI). For state programs, the Massachusetts Department of Housing and Community Development (DHCD) also provides detailed guidance.

How Are Income Limits Determined?

• Limits use percentages of Area Median Income (often 30%, 50%, or 80%).
• The limits increase with household size (more people, higher limit).
• Each county or metro area has its own AMI and corresponding income thresholds.

For example, in 2024, a single-person household in Boston qualifies as "low-income" for most programs if their annual income is around $70,700 or less (80% of AMI), while the limit rises to about $101,050 for a four-person household. Always check the latest AMI income limits from the DHCD for your region.

Types of Affordable Housing Programs and Their Limits

• Public Housing (State and Federal): Income limits are set at 80% of AMI for low-income and 50% for very low-income households. See full details at the Massachusetts Public Housing Division.
• Section 8/Housing Choice Voucher: The federal limit is usually 50% of AMI, though higher incomes may qualify in some cases. Learn more at the Section 8 program page.
• Massachusetts Rental Voucher Program (MRVP): State-funded, using similar eligibility rules.

Tip: Income not only includes wages, but also Social Security, child support, and other regular payments.

Official Forms for Applying

• Standard Application for State-Aided Public Housing (Form: MHFA-2)
  How to use: Complete this form if you wish to apply for state-aided public housing or the MRVP. The application asks for details on family members and gross income.
  Practical example: If your family is facing rent increases and makes less than the local limit, fill out MHFA-2 and submit it to your local housing authority.
  Apply for state public housing
• Section 8 Housing Choice Voucher Application
  How to use: Use this online application for federal voucher programs. You’ll need documents verifying income, family size, and identity.
  Practical example: A single parent earning less than the Section 8 cut-off for their area can apply online to join the waiting list.
  Find instructions and the online Section 8 application

What Happens If Your Income Changes?

If your income increases above the program limit while you’re receiving assistance, you are required to report the change to your housing authority. Your rent may be adjusted or your eligibility for the program may change. Not reporting can lead to losing your rental assistance.

The Tribunal Handling Residential Tenancy Matters in Massachusetts

Renters and landlords with disputes – including issues related to income-based eligibility – can seek help from the Massachusetts Housing Court. This tribunal resolves landlord-tenant problems, evictions, and housing code violations.

For legal guidance, refer to the Massachusetts General Laws Chapter 186 (Landlord and Tenant) and Chapter 121B (Housing and Urban Renewal Authorities Statute).

FAQ: Income Limits & Affordable Housing in Massachusetts

1. What counts as income when applying for affordable housing?
   All household income is considered, including wages, Social Security, child support, and certain benefits. Irregular gifts or one-time windfalls usually do not count, but always check with your housing authority.
2. Can I qualify if my income is slightly above the limit?
   No. In almost all cases, you must meet or fall below the specified income limit to be eligible. Some programs may have limited flexibility or "near-eligible" lists, but spots are very limited.
3. How often do income limits change?
   Limits are recalculated annually, based on the latest government data for median income in each area. Be sure to use the most current AMI table when applying.
4. What happens if my income increases after I qualify?
   You must report all income changes to your housing authority. Your rent may increase or (in some cases) you may lose eligibility if your income goes above the program limit.
5. Where can I find current income limits for my city or county?
   Visit the DHCD AMI income limits page for official, updated figures by region and household size.

Key Takeaways

• Income limits for Massachusetts affordable housing are set by HUD and the DHCD, based on area median income and household size.
• You must be at or below the specified income threshold; all household earnings count.
• Use official applications and keep documentation updated to maintain your eligibility.

Need Help? Resources for Renters

• Massachusetts Housing Court: Handles disputes and provides guidance on rental law.
• Public Housing Division (DHCD): For state program information and application support.
• Renter Rights in Massachusetts: Know your rights under state law.
• Mass Legal Help – Housing: Legal information and free resources for renters.

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1. DHCD: Area Median Income (AMI) Limits for Massachusetts
2. HUD Income Limits Documentation
3. Massachusetts Public Housing Division
4. MA Section 8/Housing Choice Vouchers
5. Massachusetts Housing Court
6. Massachusetts General Laws Chapter 186
7. Massachusetts General Laws Chapter 121B

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