12 Low-Income Apartments in Sacramento

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SHRA • HUD • SACOG • California HCD • Verified Sources

Affordable Apartments in Sacramento — Programs, Agencies, and How to Apply

Sacramento renters need to earn $34.34 per hour to afford the average local rent — more than double California's minimum wage. This guide covers every verified program available, from SHRA Section 8 vouchers to nonprofit senior communities, with current phone numbers and plain-language steps for each.

💡 10 Key Things to Know Before Searching for Low-Income Housing in Sacramento

The Sacramento region built more than 12,500 new housing units in 2024 — a near two-decade high — yet more than half of all renters in the area remain cost-burdened, spending more than 30% of their income on housing. The California Housing Partnership's 2025 Needs Report found 54,364 low-income renter households in Sacramento County lack access to affordable housing. Every program described below is real and available, but competition is intense. Knowing how each program works before you apply makes the difference between securing a spot and missing a window.

1
Who runs low-income housing assistance in Sacramento? SHRA — the Sacramento Housing and Redevelopment Agency — administers both Section 8 and public housing for the entire City and County.
The Sacramento Housing and Redevelopment Agency (SHRA) acts as the Housing Authority of the County of Sacramento and is the single most important agency for low-income housing assistance in the region. It administers the Housing Choice Voucher program (formerly Section 8), the Public Housing program, and the SHRA Emergency Rental Assistance (SERA) program. All waitlist applications go through Sacwaitlist.com. SHRA's main office is at 630 I Street, Sacramento, CA 95814. Phone: 916-440-1390. Applications, waitlist status, and all housing resources are at shra.org.
2
What are the income limits to qualify for low-income housing in Sacramento? HUD's very-low income limit (50% AMI) is $45,050 for one person and $64,300 for a family of four in the Sacramento metro area.
HUD sets income limits annually based on the Area Median Income (AMI) for the Sacramento–Roseville–Arden-Arcade metro area. The 2025 median income for a four-person household is $120,800. The very-low income limit (50% AMI) is $45,050 for one person and $64,300 for a family of four. The extremely-low income limit (30% AMI) is $27,050 for one person. Low-Income Housing Tax Credit (LIHTC) properties often use the 60% AMI threshold — $54,060 for one person and $77,160 for a family of four. Household size changes these numbers significantly; call SHRA at 916-440-1390 to confirm your specific eligibility.
3
Is the SHRA Section 8 waitlist currently open in Sacramento? The waitlist opens and closes infrequently. Check Sacwaitlist.com or call SHRA at 916-440-1390 to confirm current status.
SHRA's Housing Choice Voucher waitlist most recently opened on December 8, 2025 and closed the same day — the single-day opening illustrates the extreme demand. Project-Based Voucher waitlists for specific properties open independently and often remain open longer. Always verify current waitlist status at sacwaitlist.com — it is the only official SHRA waitlist portal. Any flyer listing other websites as SHRA waitlist resources is a scam. SHRA has explicitly warned residents that all waitlists are posted only on Sacwaitlist.com.
4
Does Sacramento have income-restricted apartments I can apply to without going through SHRA? Yes — LIHTC (tax credit) properties let you apply directly to the apartment. Sacramento has dozens of such communities.
Low-Income Housing Tax Credit (LIHTC or Section 42) properties are income-restricted but not managed by SHRA. You apply directly to the apartment community like any other rental. Rents are set below market based on the Area Median Income for the bedroom size. The Capitol Area Development Authority (CADA) operates multiple income-restricted properties in midtown Sacramento with some waitlists currently open. Mutual Housing California, Mercy Housing, and other nonprofits also operate LIHTC communities across the Sacramento region. These properties also accept Section 8 vouchers, making them ideal targets once you receive one.
5
How much of my income will I pay toward rent in a subsidized Sacramento apartment? Approximately 30% of your adjusted monthly income in public housing and Section 202. LIHTC rents are fixed below market, not based on your income.
California state law and federal HUD guidelines both define affordable housing as costing no more than 30% of gross household income. In SHRA public housing and Section 202 senior housing, your monthly rent is calculated at approximately 30% of adjusted gross income, automatically adjusting if your income changes. In LIHTC apartments, rent is set as a percentage of Area Median Income for the unit size and does not change based on your individual income. With Section 8 vouchers, you also pay approximately 30% of income, with the voucher covering the rest up to the published Fair Market Rent for Sacramento.
6
Are there limits on how much Sacramento landlords can raise my rent each year? Yes. AB 1482 caps annual rent increases in Sacramento County at 7.7% (5% + CPI) through July 2026, or 10%, whichever is lower.
California's Tenant Protection Act (AB 1482), effective January 1, 2020, imposes annual rent increase caps for most residential rental properties in California. For Sacramento County, the maximum rent increase is 7.7% (5% plus the current Consumer Price Index of 2.7%) through July 30, 2026. This cap applies to most apartment buildings over 15 years old. After August 1, 2025, any rent increase notice must show the new amount does not exceed 7.7% of the current rent. Newer buildings, single-family homes owned by individual landlords, and some other types of housing are exempt. SHRA has confirmed AB 1482 applies to Housing Choice Voucher participants as well.
7
How hard is it really to find affordable housing in Sacramento? Very difficult. The California Housing Partnership found 54,364 low-income Sacramento County households lack access to affordable housing, and renters need $34.34/hour to afford average rent.
The California Housing Partnership's 2025 Needs Report documented 54,364 low-income renter households in Sacramento County without access to affordable housing. To afford the average monthly asking rent of $1,786 (without being cost-burdened), a renter needs to earn $34.34 per hour — 2.1 times California's minimum wage. The SACOG 2025 Regional Progress Report confirmed more than half of all renters in the Sacramento region are housing cost-burdened, with the share significantly higher among Black and Latino households. The average Sacramento rent was $2,300 in November 2025 per Zillow data. Applying to every available program simultaneously — not waiting for one answer before trying another — is essential.
8
Is there dedicated low-income senior housing in Sacramento? Yes. HUD Section 202 properties serve income-eligible seniors 62+. SHRA also operates elderly-specific public housing units. Multiple nonprofit operators serve the area.
Sacramento has numerous affordable senior housing options through the HUD Section 202 Supportive Housing for the Elderly program (age 62+, rent at 30% of income), SHRA's own Elderly Public Housing units, LIHTC senior communities from Mercy Housing, Mutual Housing California, Eskaton, and CADA (which operates Biele Place, a senior-designated apartment building at 1421 15th Street). The Sacramento County Aging Resources directory at sacagingresources.org (updated January 30, 2026) lists programs specifically for older adults alongside general programs. Eskaton operates multiple senior communities in the Sacramento area with income-based eligibility. Call 211 or SHRA at 916-440-1390 to start identifying senior-specific options.
9
What preferences move applicants up on the SHRA waitlist? Preference points are given for Sacramento County residency or employment, disability, rent burden, veteran status, and homelessness.
SHRA's waitlist is not purely first-come, first-served. Applicants earn preference points that affect their position on the list. Points are awarded if you currently live or work in Sacramento County; if someone in your household has a disability; if you are severely rent-burdened (paying a high share of income toward rent); if you or a family member is a veteran; and if you are experiencing homelessness. Documenting these preferences correctly at the time of application is critical — preferences will not be accommodated without proper verification provided as required. Review SHRA's HCV Administrative Plan at shra.org for the complete preference system details before submitting your application.
10
What should I do if I need housing help right now and cannot wait for a program? Call 211. Sacramento's 211 service connects callers to over 1,600 community services including emergency housing, rental assistance, and shelter — 24 hours a day, 7 days a week.
Dialing 2-1-1 from any phone connects you to 211 Sacramento — the region's primary information and referral service, operated 24/7. Operators can connect you with emergency shelter, rental payment assistance, food programs, healthcare, and case management. For housing-specific urgencies, press 8 when connected for shelter and housing referrals. You can also call 1-800-500-4931 or 916-498-1000 directly. For hearing-impaired callers, dial 7-1-1 and ask to be connected to 2-1-1. The SHRA website explicitly directs anyone needing emergency housing to call 211 or 311, as SHRA does not provide emergency housing directly.

Sources: SHRA shra.org (916-440-1390; 630 I St; Sacwaitlist.com; HCV admin plan preferences; Dec 8 2025 waitlist opening); HUD FY2025 Home Income Limits CA (Sacramento MSA 30% AMI $27,050 single; 50% AMI $45,050 single / $64,300 family of 4; 60% AMI $54,060 single / $77,160 family of 4); SHRA Rent and Income Limits June 2025 (median $120,800 4-person); SHRA.org AB 1482 (7.7% max rent cap through July 30 2026; CPI 2.7%); California Housing Partnership 2025 Affordable Housing Needs Report (54,364 low-income households; $34.34/hr wage needed; $1,786 avg asking rent); SACOG 2025 Regional Progress Report (12,500+ new units 2024; more than half renters cost-burdened); Zillow ZORI ($2,300 avg Sacramento rent Nov 2025); Sacramento County Aging Resources sacagingresources.org (updated Jan 30 2026); 211 Sacramento 211sacramento.org (24/7; 916-498-1000; 1,600+ services)

🏆 12 Best Resources for Low-Income Apartments in Sacramento — Verified Contacts

⚠️ Waitlist Status Changes Frequently — Always Verify Before Applying

Waitlists open and close based on funding cycles and demand. All information is verified from official agency websites and authoritative sources as of March 2026. Always call or check the official website listed under each resource before visiting any office or submitting an application. Only SHRA waitlists appear at Sacwaitlist.com — no other website is legitimate for SHRA programs.

First Call

SHRA Housing Choice Voucher Program (Section 8)

🏛️ Federal Program — City & County of Sacramento

👥 Very Low-Income Individuals, Families, Seniors & Persons with Disabilities

✅ Rent cap: ~30% of adjusted income; voucher covers rest

✅ Use at private apartments, homes, townhouses

✅ Income limit: At or below 50% AMI (very low income)

✅ Covers entire City and County of Sacramento

✅ Waitlist: Sacwaitlist.com (only official portal)

✅ Project-Based Vouchers: specific properties, apply separately

✅ HUD-VASH veterans program also available

⚠️ Tenant-based list opens infrequently; check regularly

The Housing Choice Voucher (HCV) program is Sacramento's most comprehensive rental assistance program, covering the entire City and County including incorporated cities such as Elk Grove, Citrus Heights, Rancho Cordova, and Folsom. A voucher lets you choose your own apartment in the private market — the subsidy is portable, not tied to a specific building. Your share of rent is capped at approximately 30% of adjusted gross income, with SHRA paying the difference directly to your landlord. The tenant-based waitlist most recently opened for a single day in December 2025, reflecting the extreme competition. Project-Based Vouchers for specific apartment communities have separate, independently-managed waitlists that often open at different times — check sacwaitlist.com regularly. Applying with preference points documentation (disability, veteran, homeless, rent-burdened status) significantly affects your position. Citizens are not required to apply, but citizenship or eligible immigration status is verified before vouchers are issued.

📞 SHRA Main: 916-440-1390 • TTY: 711 or 1-800-855-7100 • Address: 630 I Street, Sacramento CA 95814 • Waitlist: sacwaitlist.com • Mon–Fri 8 AM–5 PM

Section 8 / HCV 30% of Income Rent Cap Entire City & County Portable Voucher Sacwaitlist.com Only

Public Housing

SHRA Public Housing Program

🏢 Federally Subsidized SHRA-Owned Units — City of Sacramento

🧓 Low–Moderate Income Individuals, Families, Elderly & Disabled

✅ Rent: ~30% of adjusted monthly income

✅ Elderly public housing: age 62+ required

✅ City Housing properties throughout Sacramento

✅ Preference points system (same as HCV)

✅ Apply: sacwaitlist.com (separate from HCV waitlist)

✅ Appeals: request Informal Review if denied

⚠️ Citizen or eligible immigration status required

⚠️ Some units currently at or near capacity

SHRA's Public Housing program maintains federally subsidized apartment units at various properties throughout the City of Sacramento. Unlike the Housing Choice Voucher, public housing units are in SHRA-owned buildings — you are assigned to a specific unit rather than searching the private market. Elderly-designated public housing (for households where the head or spouse is age 62 or older) has its own waitlist separate from family public housing. The preference point system is identical to the HCV program: Sacramento County residency or employment, disability, rent burden, veteran status, and homelessness all earn points. The public housing waitlist is a separate application from the HCV waitlist — you can and should apply for both simultaneously at sacwaitlist.com. If denied, you have the right to an Informal Review; contact SHRA about the documentation required for reinstatement due to extenuating circumstances.

📞 SHRA Main: 916-440-1390 • 630 I Street, Sacramento CA 95814 • Apply: sacwaitlist.com • shra.org/shra-housing-programs/public-housing-program

Public Housing 30% Income Rent Elderly Units Available (62+) Separate from HCV Waitlist

Midtown Sacramento

Capitol Area Development Authority (CADA)

🏢 Nonprofit Affordable Housing Operator — Central Sacramento

👥 Income-Eligible Individuals, Families & Seniors (age 62+ at Biele Place)

✅ Multiple income-restricted properties in midtown

✅ Biele Place (1421 15th St): 35-unit senior housing, age 62+

✅ Somerset Parkside (1001 Q St): 2–3 bedroom, 60% AMI

✅ Sonrisa Studios (1322 O St): 58-unit LIHTC community

✅ Fremont Apts (15th & P St): 20 units, 80% AMI

✅ Rooming House (1619 Q St): co-living, 40% AMI, month-to-month

✅ Some waitlists currently open — check cadanet.org

✅ Apply directly to CADA, not through SHRA

The Capitol Area Development Authority has operated affordable housing in central Sacramento since 1978 and is one of the best options for finding affordable apartments in the desirable midtown and downtown neighborhoods without a lengthy housing authority waitlist. CADA operates several distinct properties, each with its own income tier and waitlist status. Biele Place at 1421 15th Street is specifically designed for seniors age 62 and older at 60% AMI. The Rooming House at 1619 Q Street is a co-living option at 40% AMI threshold — one of the lowest-income thresholds available — on month-to-month terms without a lease, which can help someone in transitional situations. Income limits and waitlist status vary by property and are updated annually. Visit cadanet.org or call CADA directly to confirm current availability and apply.

📞 CADA Office: Call for current number • cadanet.org/apartment-listings/rent-assistance-program • Central Sacramento locations

Midtown & Downtown Senior Housing 62+ (Biele) Multiple Income Tiers Since 1978 Apply Directly to CADA

Resident-Led

Mutual Housing California

🏠 Nonprofit Affordable Housing — Sacramento & Yolo Counties

👥 Low-Income Families, Individuals & Communities — Income-Eligible

✅ Owns and operates communities in Sacramento & Yolo Counties

✅ 2,650+ low-income residents housed

✅ LIHTC and Section 8 subsidized properties

✅ Resident participation and leadership model

✅ Mutual Housing at Lemon Hill: HUD-subsidized

✅ Community building programs for residents

✅ Permanently affordable mission

Mutual Housing California was formed in 1988 as a partnership of neighborhood residents, businesses, housing advocates, and local government. Unlike many private or government-run housing providers, Mutual Housing emphasizes resident participation in community leadership — residents are active participants in running their own communities. This model creates strong, stable communities rather than simply buildings of apartments. Mutual Housing owns and operates permanently affordable rental housing communities across Sacramento and Yolo Counties, housing more than 2,650 low-income residents in community-building programs. Properties include LIHTC (tax credit) units and HUD-subsidized communities. Apply directly to Mutual Housing or visit their office at 3321 Power Inn Road, Suite 320, Sacramento, CA 95826.

📞 Mutual Housing California: 3321 Power Inn Road, Suite 320, Sacramento CA 95826 • mutualhousingca.org • Since 1988

Resident-Led Communities Sacramento & Yolo Counties 2,650+ Residents Housed Permanently Affordable

Nonprofit Leader

Mercy Housing California

🏠 Nonprofit Affordable Housing — Nation's Largest Provider

👥 Low-Income Families, Seniors, Formerly Homeless — Income-Eligible

✅ Largest nonprofit affordable housing developer nationally

✅ Sacramento regional office at 2512 River Plaza Dr

✅ Develops, acquires, and operates affordable communities

✅ On-site resident services: health, financial, community

✅ Section 202 properties for seniors in Sacramento area

✅ Russell Manor (8200 Bruceville Rd): HUD Section 202

✅ Free health screenings and community programs

✅ LIHTC and HUD-subsidized portfolio

Mercy Housing is the largest nonprofit affordable housing developer in the United States, and its California division is headquartered in San Francisco with a regional office in Sacramento. Mercy Housing California develops, acquires, and manages affordable communities across the state, including HUD Section 202 senior housing such as Russell Manor at 8200 Bruceville Road, Sacramento — funded by HUD Section 202, the Sacramento Housing and Redevelopment Agency, and Sacramento Municipal Utilities District. Residents at Mercy Housing communities have access to free on-site resident services including health and wellness programs, financial stability resources, and community empowerment opportunities. For Sacramento-area Mercy Housing communities, contact the regional office or visit mercyhousing.org/california for a current list of properties and application information.

📞 Mercy Housing California: 2512 River Plaza Drive, Suite 200, Sacramento CA 95833 • mercyhousing.org/california • Russell Manor: 916 area

Nation's Largest Nonprofit Dev. Section 202 Senior Housing Free On-Site Services Health & Wellness Programs

Best for Seniors

HUD Section 202 Supportive Housing for the Elderly

🧓 Federal Senior Housing Program — Operated by Nonprofits in Sacramento Area

🧓 Age 62 or Older — Very Low Income (50% AMI or Less)

✅ Exclusively for seniors age 62 and older

✅ Rent: ~30% of adjusted gross household income

✅ On-site service coordinator at many properties

✅ Accessibility: grab bars, ramps, elevators

✅ Income limit: Very low income (50% AMI)

✅ Social Security, SSI, pension income all count

✅ Multiple properties in Sacramento region

✅ Apply directly to each property

HUD Section 202 is the federal government's primary affordable housing program exclusively designed for low-income seniors. Residents must be age 62 or older and meet the very-low income threshold (50% of Area Median Income, which is $45,050 for one person in Sacramento). Rent is calculated at approximately 30% of adjusted gross income — meaning a senior receiving $1,200 per month in Social Security pays roughly $360 per month. Properties typically include accessibility features including grab bars, elevator access, and emergency pull cords, and many have on-site service coordinators who connect residents to healthcare, transportation, and meal programs. Operators in Sacramento include Mercy Housing, JSCO, Diakonia Housing, and CADA (Biele Place). To find Section 202 properties, call the HUD multilingual line at 800-569-4287 or visit hud.gov and search housing resources in Sacramento.

📞 HUD Housing Help (multilingual): 800-569-4287 • SHRA for local referrals: 916-440-1390 • sacagingresources.org for Sacramento senior housing directory

Age 62+ Only 30% Income Rent On-Site Service Coordinator Accessibility Features Apply Directly to Property

Senior Specialist

Eskaton — Affordable Senior Housing Communities

🧓 Nonprofit Senior Housing Operator — Sacramento County and Surrounding Area

🧓 Older Adults Meeting Financial & Other Eligibility Requirements

✅ Manages several senior communities in Sacramento area

✅ Income-based eligibility for affordable units

✅ Supportive services and senior programming

✅ Independent living focus

✅ Range of housing options for older adults

⚠️ Contact community directly for eligibility details

Eskaton is a well-established nonprofit operator of senior housing communities in Sacramento County and the surrounding region. The Sacramento County Aging Resources directory (updated January 30, 2026) specifically lists Eskaton as a senior housing resource with income-based eligibility for qualifying affordable units. Eskaton communities emphasize independent living with access to supportive services, activities, and programs designed for older adults. Each community has its own eligibility requirements — contact Eskaton directly or visit their website to identify which communities are near your preferred location and whether income-based units are currently available.

📞 Eskaton: eskaton.org • Multiple Sacramento area locations • Also listed at sacagingresources.org for senior housing referrals

Sacramento Area Senior Housing Income-Based Eligibility Independent Living Supportive Services

Housing Services

LifeSTEPS — Housing Stability & Resident Services

🤝 Nonprofit Resident Services & Housing Counseling — Sacramento

👥 Residents of Affordable Housing Communities & Those Seeking Housing Stability

✅ Eviction prevention and rental assistance

✅ 93% housing retention rate through assistance programs

✅ Helps navigate affordable housing applications

✅ Financial stability and life-skills programs

✅ 36,000+ families assisted to date

✅ Works alongside Section 202, LIHTC communities

✅ On-site services at partner affordable communities

LifeSTEPS is a Sacramento-based nonprofit providing resident services and housing stability support to families and individuals in affordable housing communities across California. With a 93% housing retention rate through rental assistance programs, LifeSTEPS has helped more than 36,000 families maintain stable housing. Their services include eviction prevention counseling, emergency rental assistance connections, application navigation for affordable housing programs, financial literacy courses, and referrals to 211 and local agencies. LifeSTEPS works directly within partner affordable housing communities — if you live in or are applying to a LIHTC, Section 202, or other affordable community in Sacramento, ask whether LifeSTEPS provides on-site services there. They can also guide you through the complex process of applying to multiple programs simultaneously.

📞 LifeSTEPS: 3247 Ramos Circle, Sacramento CA 95827 • 916-965-0110 • lifestepsusa.org • Mon–Fri business hours

93% Housing Retention Rate Eviction Prevention 36,000+ Families Helped Application Navigation

24/7 Hotline

211 Sacramento — Free 24/7 Housing & Emergency Referrals

📞 Information & Referral Service — United Way Sacramento

👥 Any Sacramento-Area Resident Needing Immediate Help or a Housing Referral

✅ Available 24 hours, 7 days a week

✅ Emergency shelter and housing referrals

✅ Rental assistance program connections

✅ 1,600+ community services in the Sacramento area

✅ Multilingual assistance available

✅ Free and confidential

✅ Press 8 for shelter and housing services

✅ Hearing impaired: dial 7-1-1 then ask for 2-1-1

211 Sacramento is the region's primary information and referral service for all types of health and human services, operated 24 hours a day, seven days a week. Operators can connect you with emergency shelter beds, current rental assistance programs accepting applications in your zip code, food assistance, healthcare, employment services, and case management organizations. For housing emergencies, press 8 when connected to reach shelter and housing services specialists. With referrals to more than 1,600 community services, 211 stays current on which programs are actively accepting applications — saving you from calling programs that have closed their lists. This is particularly valuable for seniors and low-income residents who may not have easy internet access to track program availability. For seniors specifically, 211 can connect you with Sacramento County Aging and Adult Services and senior-specific housing resources.

📞 Dial 2-1-1 from any phone • Or call: 1-800-500-4931 or 916-498-1000 • 211sacramento.org • Available 24/7

24/7 Available Emergency Referrals 1,600+ Services Multilingual Free & Confidential

Emergency Help

SHRA Emergency Rental Assistance (SERA) Program

💰 Emergency Rental Assistance — Sacramento City & County

👥 Low-Income Renters at Risk of Eviction — Income-Eligible Households

✅ Short-term rental payment assistance

✅ For households at risk of eviction or housing loss

✅ Income eligibility required

✅ Contact SHRA or 211 for current program availability

✅ Also accessed through LifeSTEPS and nonprofits

⚠️ Funding availability varies; call before applying

The SHRA Emergency Rental Assistance (SERA) program provides short-term rental payment assistance to income-eligible households in Sacramento City and County who are at risk of eviction or housing loss. This program helps bridge temporary financial crises before they become permanent housing displacement. Funding availability fluctuates based on federal and state grants, so always call SHRA at 916-440-1390 or dial 211 to confirm the program is currently accepting applications before visiting. Emergency rental assistance is also available through nonprofit partners funded by SHRA and the City — 211 operators can direct you to whichever programs have open funding in your area right now. LifeSTEPS at 916-965-0110 is also a direct contact for eviction prevention services in Sacramento.

📞 SHRA: 916-440-1390 • 630 I Street, Sacramento CA 95814 • Or dial 2-1-1 to find currently-funded programs • shra.org

Emergency Rental Aid Eviction Prevention Call Before Visiting Also via LifeSTEPS & 211

Disability Housing

CalHFA Section 811 Project Rental Assistance Program

🏛️ Federal/State Program — California Housing Finance Agency

♿ Adults with Disabilities — Extremely Low Income — Any Age

✅ Rental assistance for adults with disabilities

✅ Administered by CA Department of Health Care Services

✅ For adults transitioning from institutions or at risk

✅ Integrated, community-based housing

✅ Paired with supportive services

✅ Income: Extremely low income required

⚠️ Apply through DHCS: [email protected]

The California Section 811 Project Rental Assistance (PRA) Program provides rental assistance for extremely low-income adults with disabilities who are transitioning out of institutions, living in unsafe conditions, or at risk of homelessness. Funded by HUD and administered in California by the Department of Health Care Services (DHCS), Section 811 pairs housing assistance with supportive services to help adults with disabilities live independently in the community. This program creates integrated housing — not segregated disability-only facilities — in mainstream rental communities. Contact DHCS directly at [email protected] or 916-345-7790 for information about applying. CalHFA's Sacramento office can also provide guidance at 877-922-5432. Dial 211 for immediate referrals to disability housing resources in Sacramento.

📞 DHCS Section 811: 916-345-7790 • [email protected] • CalHFA Sacramento HQ: 877-922-5432 • 500 Capitol Mall, Ste 1400, Sacramento CA 95814

Adults with Disabilities Extremely Low Income Community-Based Housing State + Federal Program

Free Guidance

HUD-Approved Housing Counseling Agencies — Sacramento

📋 HUD-Certified Counselors — Free or Low-Cost

👥 Any Sacramento-Area Resident Navigating Housing Decisions

✅ Free or low-cost housing counseling

✅ Navigate SHRA and LIHTC application process

✅ Tenant rights and fair housing guidance

✅ Eviction prevention counseling

✅ Budget and credit counseling for housing

✅ Assistance documenting income for applications

✅ Find agencies: hud.gov or call 1-888-995-4673

HUD-approved housing counseling agencies offer free or very low-cost guidance to anyone navigating the housing system in Sacramento. A HUD counselor can explain which programs you qualify for based on your income and household size, help you document Social Security, SSI, pension, or other income correctly for housing applications, review your SHRA application and preference documentation, and advise you on tenant rights under AB 1482, SHRA program rules, and fair housing law. For seniors, this guidance is particularly valuable because the income calculation process for Section 202 and public housing can be confusing — medical deductions and disability-related expenses may reduce the income figure used to set your rent. Call 1-888-995-4673 (1-888-995-HOPE) or visit hud.gov/housingcounseling to find agencies serving Sacramento. Several agencies offer phone appointments for those who cannot travel.

📞 HUD HOPE Line: 1-888-995-4673 (1-888-995-HOPE) • hud.gov/housingcounseling • Find Sacramento-area agencies by zip code

Free or Low-Cost HUD-Certified Tenant Rights Help Income Documentation Guidance Multilingual

Sources: SHRA shra.org (916-440-1390; 630 I St Sacramento 95814; HCV Admin Plan; Sacwaitlist.com scam warning); AffordableHousingOnline.com (Dec 8 2025 HCV waitlist opened and closed; elderly public housing; PBV waitlists); CADA cadanet.org (Biele Place 1421 15th St age 62+; Somerset Parkside; Sonrisa Studios; Fremont Apts; Rooming House 1619 Q St); Mutual Housing California mutualhousingca.org (3321 Power Inn Rd #320 Sacramento; Sacramento & Yolo Counties; 2,650+ residents); Mercy Housing California mercyhousing.org/california (2512 River Plaza Dr #200; Russell Manor 8200 Bruceville Rd; Section 202 HUD); HUD Section 202 hudexchange.info (age 62+; 30% income rent; service coordinator); Eskaton eskaton.org (Sacramento area senior housing; sacagingresources.org updated Jan 30 2026); LifeSTEPS lifestepsusa.org (3247 Ramos Cir Sacramento 95827; 916-965-0110; 93% retention; 36,000+ families); 211 Sacramento 211sacramento.org (916-498-1000; 1-800-500-4931; 24/7; 1,600+ services); SHRA SERA program (shra.org emergency rental); CalHFA Section 811 calhfa.ca.gov ([email protected]; 916-345-7790; 877-922-5432; 500 Capitol Mall Ste 1400 Sacramento 95814); HUD housing counseling hud.gov (1-888-995-4673)

📊 Sacramento's Affordable Housing Gap in Numbers

📉 Low-Income Households Without Housing

54,364

Sacramento County low-income renter households without access to affordable housing, per California Housing Partnership 2025 Affordable Housing Needs Report. 79% of extremely low-income households spend more than half their income on housing.

💰 Hourly Wage Needed for Avg Rent

$34.34/hr

Wage needed to afford Sacramento's average asking rent of $1,786/month without being cost-burdened — 2.1 times California's minimum wage. Average Sacramento rent was $2,300 in November 2025 per Zillow.

📊 Regional Renters Cost-Burdened

>50%

More than half of all renters in the Sacramento region spend more than 30% of income on housing costs, per SACOG 2025 Regional Progress Report. Rate is significantly higher among Black and Latino households.

🏗️ New Units Built in 2024

12,500+

New homes completed in the Sacramento region in 2024 — a near two-decade high per SACOG 2025 Regional Progress Report. Yet more than 20% of these units served low and very low income categories — an all-time high in the data series.

⚠️ National Context: The Rental Affordability Crisis Is Deepening

Harvard University's Joint Center for Housing Studies released America's Rental Housing 2026 in March 2026, documenting a record 22.7 million renter households nationwide — 49% of all renters — spending more than 30% of income on rent. What this means for Sacramento applicants: federal rental assistance programs are not keeping pace with rising need. The pipeline of new affordable units nationwide is declining as construction costs rise. Apply to every program simultaneously. Do not wait for one answer before applying to others. The AB 1482 rent cap of 7.7% through July 2026 provides some short-term protection for Sacramento renters already housed — but finding a new affordable unit remains extremely competitive.

Sources: California Housing Partnership 2025 Affordable Housing Needs Report (54,364 low-income households lacking affordable housing; 79% extremely low-income severely cost-burdened; $34.34/hr wage needed; $1,786 avg asking rent); SACOG 2025 Regional Progress Report (12,500+ new units 2024; half renters cost-burdened; 20%+ served low-income in 2024); Zillow ZORI November 2025 ($2,300 Sacramento avg rent); Harvard JCHS America's Rental Housing 2026 Mar 2026 (22.7M cost-burdened renters; 49%; record levels); SHRA.org AB 1482 (7.7% rent cap through July 30 2026)

📋 All 12 Sacramento Resources at a Glance

#	Resource	Type	Income Test	Waitlist	Best For
1	SHRA HCV (Sec. 8)	Federal voucher	Yes, ≤50% AMI	Opens rarely; sacwaitlist.com	Portable rental subsidy
2	SHRA Public Housing	Subsidized units	Yes	Separate from HCV	Assigned subsidized apartment
3	CADA	Nonprofit operator	Varies (40%–80% AMI)	Apply directly; some open	Central Sacramento, senior 62+
4	Mutual Housing CA	Nonprofit operator	Yes	Apply to each community	Resident-led communities
5	Mercy Housing CA	Nonprofit developer	Yes	Apply per property	Section 202, seniors, families
6	HUD Section 202	Federal senior housing	Yes, 62+, low income	Varies by property	Seniors age 62+ only
7	Eskaton	Nonprofit senior housing	Yes	Contact community	Senior independent living
8	LifeSTEPS	Services + navigation	Varies by program	Call for intake	Eviction prevention, navigation
9	211 Sacramento	24/7 referral hotline	No income test to call	Call anytime, 24/7	Emergency housing crisis
10	SHRA SERA	Emergency rental aid	Yes, income-eligible	Call; funding varies	Facing eviction now
11	CalHFA Section 811	Disability rental assist.	Extremely low income	Apply via DHCS	Adults with disabilities
12	HUD Counseling	Free guidance	Free or low-cost	Book appointment	Navigate applications

Dark red = most favorable outcome. Gold/yellow = conditional or variable. Red = restricted. Sacwaitlist.com is the only legitimate SHRA waitlist portal. Waitlist status changes frequently — always verify before applying.

🎯 Find Your Best Sacramento Housing Starting Point

🏠 Answer 3 Questions — Get Your Best Match

Who is this housing for?

Age and household type directly affect which programs you qualify for first.

What is your most pressing need?

Choose the situation that best describes where you are right now.

What best describes your household income?

Income level determines which programs and income tiers apply to you.

❓ Sacramento Affordable Housing Questions Answered Plainly

💡 What Documents Do I Need to Apply for Low-Income Housing in Sacramento?

Gathering documents before you apply to any program prevents your application from being delayed or returned incomplete. Have these ready for every application: a valid government-issued photo ID for every adult in your household; Social Security cards or proof of Social Security numbers for all household members; proof of all income for the past 12 months — this includes your Social Security award letter (available from SSA at 1-800-772-1213), SSI award letter, pension or retirement statements, pay stubs, and any benefit letters from CalWorks, CalFresh, or other programs; birth certificates for any children; your most recent federal income tax return or a signed statement if you did not file; and documentation of any disabilities, veteran status, or housing preference circumstances. For SHRA programs specifically, verify which preference categories you qualify for and gather the required documentation for each before submitting. SHRA's HCV Administrative Plan at shra.org lists exact documentation requirements for all preferences.

💡 What Is the Fastest Way to Find an Affordable Apartment in Sacramento Right Now?

The fastest path bypasses SHRA's main waitlists and goes directly to LIHTC properties and nonprofit operators. Do these simultaneously: (1) Check CADA's current waitlist status at cadanet.org — several of their midtown Sacramento properties have active waitlists. (2) Contact Mutual Housing California (3321 Power Inn Road, 916 area) and Mercy Housing California (2512 River Plaza Drive) directly for available units. (3) Search income-restricted properties on apartments.com filtering for Sacramento income-restricted communities. (4) Call 211 for immediate referrals to any currently-funded emergency rental assistance programs in your zip code. (5) Check sacwaitlist.com regularly for any newly-opened Project-Based Voucher waitlists, which often have shorter wait times than the main HCV list. Apply to all of these in parallel — waiting for one answer before trying others significantly reduces your chances.

💡 Can Seniors on Social Security or SSI Qualify for Sacramento Affordable Housing?

Yes — and Social Security and SSI income is among the most straightforward to document for housing applications. For Section 202 and SHRA public housing programs, rent is calculated at approximately 30% of adjusted gross income. A senior receiving $1,200 per month in Social Security would pay approximately $360 per month in rent. SSI recipients receive the maximum federal benefit rate of $967 per month in California (2025) and typically fall well within the extremely-low or very-low income limits for all major Sacramento housing programs. Important additional note for seniors: medical expense deductions are allowed in rent calculations for Section 8 and public housing programs. If you have significant recurring medical expenses, these can reduce the income figure used to calculate your rent. Ask a HUD housing counselor (1-888-995-4673) how to document and claim these deductions — they can meaningfully lower your monthly payment.

💡 I Saw a Flyer Saying I Can Apply for SHRA Section 8 Online at [Website]. Is It Legitimate?

Only if it says Sacwaitlist.com. SHRA has explicitly warned residents that all Sacramento Housing and Redevelopment Agency waiting lists are posted only at Sacwaitlist.com. Any flyer, website, social media post, or phone call directing you to apply at any other website — including sites that may look official or government-related — is a scam. SHRA specifically calls out the website govassistance.org as illegitimate. Scammers often charge fees for housing applications or collect personal information. Never pay anyone to apply for SHRA housing. Never provide your Social Security number, bank account information, or payment to anyone directing you to a non-SHRA application site. If you are unsure whether a housing resource is legitimate, call SHRA directly at 916-440-1390 before taking any action.

💡 What Are My Tenant Rights If My Sacramento Landlord Tries to Raise My Rent More Than Allowed?

California's AB 1482 (Tenant Protection Act) limits annual rent increases for most rental units in Sacramento County to 7.7% — that is 5% plus the current Consumer Price Index of 2.7% — through July 30, 2026, or 10%, whichever is lower. This cap applies to most residential rental properties more than 15 years old. If your landlord sends a rent increase notice exceeding this amount: (1) Do not simply accept it. (2) Contact the Sacramento County Fair Housing office at saccounty.gov/FairHousing for guidance and complaint resources. (3) Call Legal Services of Northern California at 916-551-2150 for free legal advice for income-eligible tenants. (4) Contact SHRA at 916-440-1390 if you have a Housing Choice Voucher, as SHRA has confirmed AB 1482 applies to voucher participants. Exemptions include single-family homes rented by individual owners (not LLCs or corporations) and buildings permitted in the last 15 years.

💡 Are There Sacramento Affordable Housing Options for People With Past Evictions or Credit Problems?

Some options are available, though they are more limited. LIHTC properties conduct their own screening, and policies vary significantly by community — some are more flexible on past evictions or credit issues than others. CADA's Rooming House at 1619 Q Street operates on a month-to-month basis with one of the lowest income thresholds in the system (40% AMI) and may have different screening criteria than traditional apartment communities. For SHRA public housing, specific criminal convictions and prior evictions from federally-assisted housing can create eligibility barriers — ask SHRA specifically about these before investing time in an application. HUD-approved housing counselors (1-888-995-4673) can advise you on which programs are most likely to accept your specific situation and how to present your application most effectively. LifeSTEPS (916-965-0110) provides application navigation services that can help you identify the most appropriate properties for your history.

Sources: SHRA shra.org (HCV Admin Plan; AB 1482 7.7% cap confirmed; Sacwaitlist.com scam warning; govassistance.org illegitimate); SHRA.org (preference documentation requirements; Informal Review process); HUD housingcounseling (1-888-995-4673; income deductions for medical expenses); SSA.gov (1-800-772-1213; California SSI $967/month 2025); California HCD (AB 1482 exemptions; tenant protection); Sacramento County Fair Housing saccounty.gov/FairHousing; Legal Services of Northern California 916-551-2150; LifeSTEPS lifestepsusa.org (916-965-0110; navigation services); CADA cadanet.org (Rooming House 40% AMI threshold; month-to-month terms)

📍 Find Low-Income Housing Resources Near You in Sacramento

Allow location access for your nearest results. Always call ahead before visiting any office — most agencies are appointment-only or have specific hours for walk-ins.

Finding housing resources near you…

✅ Sacramento Housing Checklist — Do All Five Simultaneously

Apply to SHRA waitlists at Sacwaitlist.com. Create a profile at sacwaitlist.com — the only official SHRA waitlist portal. Apply to both the Housing Choice Voucher waitlist (when open) and any available Project-Based Voucher waitlists for specific communities. Document all preference categories (disability, veteran, homelessness, rent burden, Sacramento residency) with required verification paperwork.
Apply directly to LIHTC and nonprofit properties in parallel. Do not wait for an SHRA response before contacting CADA (cadanet.org), Mutual Housing California (mutualhousingca.org), and Mercy Housing California (mercyhousing.org/california). Each has its own application process and may have shorter waitlists than SHRA. Call each organization directly to ask about current availability.
Gather your documents now. You will need: photo ID, Social Security cards, all income documentation (Social Security award letter, SSI letter, pension statements), birth certificates for children, and proof of any disability, veteran, or preference status. Having these ready prevents delays on every application you submit.
Call 211 for immediate referrals and current program availability. Dial 2-1-1 any time, 24/7. Operators know which emergency rental assistance programs have open funding in your zip code right now. For housing-specific help, press 8 when connected. This is always the right first call in any housing crisis.
Call a free HUD housing counselor before you apply. A HUD-approved counselor (1-888-995-4673) can review your income, household size, and preference documentation before you submit any application — increasing the chances your paperwork is complete and correct the first time. For seniors, they can identify applicable medical deductions that lower your calculated rent in subsidized programs.

⚠️ Three Mistakes That Can Disqualify a Sacramento Housing Application

Missing the preference documentation deadline. SHRA states explicitly that preference points “will not be accommodated unless proper verification is provided as required.” Applying without complete preference documentation costs you positions on the waitlist. If you are disabled, a veteran, experiencing homelessness, or severely rent-burdened, gather the required documentation before submitting your application — not after.
Outstanding debt to a previous federally-assisted housing program. If you owe unpaid rent or damages to a previous public housing or HUD-assisted property, this can bar you from SHRA programs at the federal level. Resolving this debt or arranging a payment plan before applying is the recommended approach. A HUD housing counselor at 1-888-995-4673 can advise you on the best strategy for your specific situation.
Using a fake or scam SHRA application website. SHRA has explicitly warned that all waitlists are only posted at Sacwaitlist.com. Any other website claiming to process SHRA applications is a scam. Never pay a fee to apply for any SHRA or HUD housing program — all applications are free. If you paid someone to place you on a housing waitlist in Sacramento, contact the California Attorney General's consumer protection office at 800-952-5225.

© BudgetSeniors.com — This guide is independently researched and written. We are not affiliated with, funded by, or endorsed by SHRA, HUD, or any organization listed. All program details are verified from official sources. Housing program terms, waitlist status, and income limits change frequently — always call the agency or visit the official website before applying. Official resources: SHRA: shra.org • Waitlists: sacwaitlist.com • 211 Sacramento: 211sacramento.org or dial 2-1-1 • HUD counseling: 1-888-995-4673 • CalHFA Section 811: calhfa.ca.gov/multifamily/section811 • Tenant rights: saccounty.gov/FairHousing • Scam report: California AG 800-952-5225

Primary sources: SHRA shra.org (916-440-1390; 630 I Street Sacramento 95814; HCV program; public housing; SERA; Sacwaitlist.com; scam warning; AB 1482 7.7% cap through July 30 2026; CPI 2.7%); HUD FY2025 Home Income Limits CA via huduser.gov (Sacramento MSA: 30% AMI $27,050 single; 50% AMI $45,050 single / $64,300 family of 4; 60% AMI $54,060 single / $77,160 family of 4); SHRA Rent and Income Limits June 2025 ($120,800 median 4-person); California Housing Partnership Affordable Housing Needs Report 2025 (54,364 Sacramento County low-income households; $34.34/hr wage needed; $1,786 avg asking rent); SACOG 2025 Regional Progress Report (12,500+ units 2024; >50% renters cost-burdened; 20% served low income 2024); Harvard JCHS America's Rental Housing 2026 Mar 2026 (22.7M cost-burdened; 49%; record); Zillow ZORI Nov 2025 ($2,300 Sacramento avg); Sacramento County Aging Resources sacagingresources.org updated Jan 30 2026; CADA cadanet.org (Biele Place 1421 15th St age 62+; multiple properties); Mutual Housing California mutualhousingca.org (3321 Power Inn Rd Sacramento; Sacramento & Yolo; 2,650+); Mercy Housing California mercyhousing.org/california (2512 River Plaza Dr Ste 200; Russell Manor Section 202); LifeSTEPS lifestepsusa.org (3247 Ramos Cir Sacramento 95827; 916-965-0110; 93% retention; 36,000+ families); 211 Sacramento 211sacramento.org (916-498-1000; 1-800-500-4931; 24/7; 1,600+); CalHFA calhfa.ca.gov (Section 811; 877-922-5432; [email protected]; 916-345-7790); HUD housingcounseling (1-888-995-4673)

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