Low-income working individuals or families can find assistance with locating apartments at the U.S. Department of Housing and Urban Development and through state-specific programs such as the New York City Housing Preservation and Development office. Information on housing for low-income workers is also available on the website CommonGround.org.
The services offered by the U.S. Department of Housing and Urban Development primarily target full-time minimum-wage workers who typically spend more than 30 percent of their income on housing costs, according to the agency's website, HUD.gov. To meet the needs of working families struggling to juggle housing costs with the expenses of daily living, HUD administers several programs that either subsidize rent for low-income families, create opportunities for low-rate mortgages or offer funding for non-profits or businesses to build rental units.
Specifically, the Office of Affordable Housing Programs offers three programs that may meet the needs of low-income working communities. The National Housing Trust Fund, the HOME Investments Partnerships Program and the Self-Help Home Ownership Opportunity Program are all administered by HUD's Office of Community Planning and Development, and each may be contacted directly for information on how to locate local government assistance programs and to apply for available low income housing.