Kentucky Housing Assistance

Kentucky Housing Vouchers * Public Housing * Homeless * Making Home Affordable

Kentucky Public Housing

Subsidized and Low-Rent Apartments in Kentucky State

Public Housing provides safe, decent and affordable rental housing to eligible low-income families, the elderly, and persons with disabilities.

The U.S. Department of Housing and Urban Development (HUD) provides federal grants to local Public Housing Agencies (PHA) that manage the public housing developments for low-income residents at rents they can afford.

In general, housing developments owned, managed and maintained by the local PHA are referred to as Conventional Housing, or Low Rent Public Housing and units are offered to eligible low-income families, the elderly, and persons with disabilities at rental rates established by the PHA authorities within the HUD income limits and guidelines.

In Kentucky State, there are about 20,000 public housing units where the local Housing Authorities serve as the landlord and rent these units to eligible tenants.

In general, to qualify for Public Housing, applicants or participants must earn no more than 80% of area median income (AMI).

Public Housing benefits are not portable like the Section 8 Housing Choice Vouchers or HOME Tenant-Based Rental Assistance. The Housing Assistance is attached to the Public Housing unit that is being rented to eligible participants.

Inquire about the current availability of subsidized and low-rent apartments at your local Kentucky Housing Authorities.

Search for affordable subsidized apartments in Kentucky using the HUD database.

 Housing Counseling Services in Kentucky

Contact one of the HUD Approved Housing Counseling Agencies in Kentucky State for the following education workshops or counseling services

  • Mortgage Delinquency and Default Resolution Counseling
  • Fair Housing Pre-Purchase Education Workshops
  • Financial Management/Budget Counseling
  • Financial, Budgeting and Credit Repair Workshops
  • Home Improvement and Rehabilitation Counseling
  • Non-Delinquency Post Purchase Workshops
  • Pre-purchase Counseling
  • Pre-purchase Homebuyer Education Workshops
  • Predatory Lending Education Workshops
  • Rental Housing Counseling
  • Rental Housing Workshops
  • Resolving/Preventing Mortgage Delinquency Workshops
  • Services for Homeless Counseling
  • Home Improvement and Rehabilitation Counseling

Kentucky Homeless Service Organizations

Kentucky administers different programs that provide federal grants to Kentucky regional homeless service organizations. Federal grants and state funding are used to coordinate local resources and provide assistance to homeless Kentucky individuals and families.

Emergency Solutions Grant (ESG) Program is funded by federal government grants and is designed to help people in a housing crisis and facing homelessness, or already homeless. Services under this program are delivered by the local governments and nonprofit service agencies across Kentucky.

There are other programs that address homelessness in the State of Kentucky.

If you are homeless in Kentucky and need help – call the listed homeless service organization in your area.

Kentucky Homeless Services and Shelters

Kentucky Homeowners Assistance and Housing Programs

Kentucky – Making Home Affordable options

Making Home Affordable is a federal program designed to cover different homeowners’ hardships and financial situations. Under the program, there are various options that can help Kentucky homeowners in hardship stay in their homes. Depending on the situation Kentucky homeowners in hardship can apply to lower their monthly payments, lower the interest rate on their home loan or even get principal reduction in some cases.

There are foreclosure alternatives and temporarily help for unemployed homeowners as well.

Here are some of the most used options under the Making Home Affordable Program:

HUD (US Department of Housing and Urban Development) approved housing counselor can be reached at 888-995-4673  (Hearing impaired: 877-304-9709 TTY) to help you understand your options, prepare your application, and work with your mortgage company.

Kentucky Low-Rent Apartments

Find more and search for Kentucky subsidized and low-rent apartments here.