Section 202 is HUD's flagship program built specifically for low-income seniors. Here's exactly how it works and how to apply.
What is Section 202 senior housing?
Section 202 Supportive Housing for the Elderly is a HUD program that funds the construction and operation of apartment buildings reserved for very-low-income older adults. Properties receive a capital advance plus rental assistance, allowing residents to pay rent based on income — generally about 30%. A defining feature is the service coordinator, who links residents to community supports like cleaning, cooking, and transportation so they can age in place independently. Owners can also use a small per-unit amount each month toward those supportive services. To find Section 202 buildings near you, call 1-800-MEDIGAP at 1-800-633-4427.
Who qualifies for Section 202?
To qualify for Section 202, at least one member of your household must be 62 or older, and your household income must fall below 50% of the area median income (AMI) where the property is located. Priority often goes to those who demonstrate the greatest need — showing you have trouble affording standard housing and benefit from supportive services. Income limits vary by county and household size and update each spring at huduser.gov. You'll verify income, assets, and identity during the application. A free call to 1-800-MEDIGAP can help you confirm whether you likely qualify.
How do I apply for Section 202 housing?
Unlike Section 8 vouchers, you apply for Section 202 directly to each building's management office rather than through a central authority. Use the HUD Resource Locator at resources.hud.gov to find Section 202 properties near you, then contact each one to join its waiting list. Because demand is high, apply to several buildings at once and keep income and ID documents ready. Waiting times can run from months to years. For free, step-by-step help finding and applying to Section 202 buildings, call 1-800-MEDIGAP at 1-800-633-4427.