Understanding LIHTC Housing Options in Massachusetts

Finding stable, affordable housing can be challenging, especially in Massachusetts where rent costs continue to rise. One resource available to low- and moderate-income renters is the Low-Income Housing Tax Credit (LIHTC) program. This article explains how LIHTC properties work in Massachusetts, what renter protections apply, and where to find help—all in plain language.

What Are LIHTC Properties?

LIHTC, or Low-Income Housing Tax Credit properties, are apartments made affordable through a federal tax program. Property owners receive federal tax credits in exchange for renting some or all units at rents affordable to individuals and families who meet certain income requirements. In Massachusetts, this program is administered by the Massachusetts Department of Housing and Community Development (DHCD) together with the Internal Revenue Service.

• Rents are capped, typically between 30% to 60% of area median income (AMI)
• LIHTC units must meet health and safety standards
• Income verification is required to qualify

LIHTC properties exist in cities and towns throughout Massachusetts. You can search the official Affordable Housing Directory for current listings.

Who Qualifies for LIHTC in Massachusetts?

Eligibility is based on your household income, which must be below a certain percentage of the AMI for your area. Each year, the U.S. Department of Housing and Urban Development (HUD) sets these income limits. Property managers will ask for documentation, such as pay stubs and tax returns, to verify your eligibility when you apply.

• Income limits: usually below 60% of AMI, sometimes lower
• Some properties have additional requirements (age, family size, etc.)
• You must recertify your income annually to remain eligible

If your income changes or you have questions about eligibility, speak directly to the LIHTC property's manager for guidance.

How to Apply for a LIHTC Apartment

The application process is straightforward, but slots can fill quickly. Here’s how you can start:

• Find a LIHTC property: Use the statewide housing directory to locate units.
• Contact the property manager: Request their application materials (usually a standardized rental application).
• Submit proof of income: Provide documents like pay stubs, tax returns, or benefit statements.
• Wait for processing: If eligible, you may be placed on a waiting list.

Some LIHTC properties may use the Common Housing Application for Massachusetts Programs (CHAMP) to simplify the process.

Tenant Rights in Massachusetts LIHTC Properties

Renters in LIHTC housing are protected by Massachusetts state laws and federal fair housing laws. The official body handling complaints and tenancy disputes is the Massachusetts Housing Court. Common areas of protection include:

• Legal notice requirements for rent increases and evictions
• Rights to safe and sanitary living conditions
• Right to a hearing if you face eviction or removal

The key state law covering tenant protection is the Massachusetts General Laws Chapter 186 – Estates for Years and at Will^[1]. This law explains landlord and tenant responsibilities, notice periods, and grounds for eviction. For discrimination complaints, you may also turn to the Massachusetts Commission Against Discrimination (MCAD).

Essential Forms for LIHTC Renters

• Common Housing Application for Massachusetts Programs (CHAMP)
  When to use: Use when applying for multiple affordable housing programs, including some LIHTC properties.
  How to file: Submit an online application via the official CHAMP portal.
  Example: If you want to be considered for several types of affordable housing in your area, completing a CHAMP application allows you to apply to many at once.
• Tenant Complaint Form (Housing Court)
  When to use: Use if you have unresolved health, safety, or legal issues in a LIHTC unit.
  How to file: Download, fill out, and submit the appropriate Housing Court complaint form (click the "File a case" section).
  Example: If your landlord is not addressing needed repairs, you can file this form at your local Housing Court location.

FAQ: Massachusetts LIHTC Housing

1. How do I know if a Massachusetts property is a LIHTC unit?
   You can check the official Affordable Housing Directory or ask the property manager directly.
2. Can rent go up in a LIHTC apartment?
   Yes, but annual increases are limited and must follow federal and state guidelines based on area median income. Landlords must also provide advance notice.
3. What happens if my income increases after moving in?
   Your income will be reviewed on a regular basis, but you may still be able to stay. Check with your property manager for specific policies.
4. Where do I file a complaint if I believe my LIHTC landlord is violating my rights?
   You can file with the Massachusetts Housing Court or, for discrimination issues, with the MCAD.
5. Are there waiting lists for LIHTC units in Massachusetts?
   Yes, many properties have waiting lists. It’s a good idea to apply to multiple LIHTC properties and also explore other affordable housing options.

Key Takeaways for Massachusetts Renters

• LIHTC properties offer income-based rent limits and state protections
• Annual income verification is required to maintain eligibility
• If you face disputes or issues, the Massachusetts Housing Court is the tribunal for tenancy matters

Remember to apply early and keep your documents organized. Utilize state directories and official applications to expand your options.

Need Help? Resources for Renters

• Massachusetts Department of Housing and Community Development (DHCD) – Main agency for LIHTC properties
• CHAMP Portal – Online application for affordable housing, including some LIHTC units
• MassLegalHelp Housing Section – Plain language guidance for tenants on legal rights
• Massachusetts Housing Court – Where to file tenancy complaints and resolve disputes
• Massachusetts Commission Against Discrimination (MCAD) – For discrimination claims

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1. Massachusetts General Laws Chapter 186 – Estates for Years and at Will
2. Massachusetts Department of Housing and Community Development
3. HUD’s Multifamily Tax Subsidy Income Limits Documentation
4. IRS Low-Income Housing Credit (Form 8609)
5. Massachusetts Statewide Affordable Housing Directory
6. Massachusetts Housing Court
7. How to File a Case in the Housing Court

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