HUD Resource Locator: How to Find Affordable Rental Housing

The U.S. Department of Housing and Urban Development (HUD) runs a free online map called the HUD Resource Locator. It helps renters find affordable housing such as HUD-assisted apartments and Low Income Housing Tax Credit properties. It works differently from commercial listing sites, so it helps to know what to expect before you start.

What the HUD Resource Locator is

The Resource Locator is a map of affordable housing locations with contact information for each property's management. According to HUD, it shows where properties are and how to reach them, but it does not show whether units are available. HUD also states that it does not take applications for these properties, does not have vacancy information and does not maintain waiting lists. You must contact each property's management company to ask about openings, waitlists and how to apply.

The map can be especially helpful for Housing Choice Voucher holders. HUD's voucher guidance notes that tax credit properties are required to accept housing vouchers as a source of payment.

How to search step by step

1. Open the HUD Resource Locator map.
2. Allow location access if you want the map to start near you, or decline and search manually.
3. Select the option to find affordable housing opportunities near you.
4. Type your ZIP code or city into the search bar to move the map to that area.
5. Click the property icons to see each property's address and management contact details.
6. Make a list of properties in the neighborhoods that work for you.
7. Call or email each management company to ask about vacancies, waitlists, income limits and application steps.

Costs and fees to expect

The HUD map is free. Rent and fees at affordable properties depend on the program that applies to each building:

• Income-based rent: in some HUD-assisted housing, your rent is tied to your household income.
• Rent-restricted units: in tax credit properties, rent is set by the unit's restrictions rather than your income, and you must earn no more than the unit's income limit.
• Application costs: some properties charge screening fees, while others may not; ask before you apply.
• Security deposits: most properties still require one, so ask how much and when it is due.

Ask each property which program it participates in so you understand how your rent will be calculated.

Making the most of the map

When you search the map, start with the area where you most want to live, then widen it gradually. Note each property's name, address, type of assistance and contact details as you go. A simple list makes it far easier to follow up with several properties in a single afternoon.

Because the map shows properties rather than vacancies, the next step is always contacting each property directly. Ask whether they have openings or a waiting list, how long the wait usually is, what income limits apply and how to apply.

Understanding the types of properties

The map can include several kinds of affordable housing. HUD-assisted properties receive federal support so rents are lower for eligible households. Tax credit properties are privately owned but offer reduced rents to households under certain income limits. Public housing is owned and run by local housing agencies. Each type has its own rules, so ask each property how its application works.

Applying to several waiting lists

Affordable housing is in high demand, and many properties keep waiting lists. Applying to several at once can shorten the time before you are offered a home. Keep a record of every list you join, the date you applied and any reference number, and update each property if your address, phone number or income changes. Missing a letter or call can mean losing your place.

Getting help with your search

If you find the process confusing, local housing counselling agencies and community organisations can help you understand your options, complete applications and prepare for interviews. Your local public housing agency can also explain voucher programs that let you rent from private landlords, which may open up more choices while you wait for a place on a property's list.

Tips and scam warnings

• Apply to several properties; affordable housing often has long waitlists.
• Keep a log of where you applied, the date and the contact person, and update properties if your phone number or address changes.
• The map is free and HUD does not run waitlists for these properties, so be cautious of anyone who claims they can guarantee you a unit for a fee.
• Never pay to "reserve" an affordable unit by wire transfer, gift card or cryptocurrency.
• If you have a Housing Choice Voucher, mention it when you call so the property can tell you how it handles voucher applicants.
• For advice on your situation, consider a HUD-approved housing counselor; HUD lets you search for one online.

The Resource Locator works best as a contact list. Expect to make several calls, and keep following up while you wait for a unit to open.

Frequently asked questions

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