TIP SHEET: FAQs About Housing for Persons with Disabilities

Living with a disability can be easier with the right choice of housing. Minor disabilities may only require such things as ground floor accommodation or an elevator and proximity to basic services and transportation. More extensive impairments may call for specific modifications to provide accessibility.

The Federal Fair Housing Act and Fair Housing Amendments Act prohibit discrimination against people with physical or mental disabilities and ensure the rights of disabled tenants in requesting reasonable modification of their dwellings. Under these provisions, a landlord may not reject a prospective tenant with disabilities (including, but not limited to, hearing, mobility and visual impairments, alcoholism being treated through a recovery program, mental illness, HIV, AIDS and AIDS-Related Complex, and mental retardation). Landlords are also prohibited from asking questions about a tenant's disability or requesting medical records. Evaluation of a tenant may be based on financial stability, history as a tenant, and any criteria that landlord applies to all tenants (such as minimum rent-to-income ratio).

The right of disabled tenants to live in accessible housing requires that landlords make reasonable accommodations and adjustments to rules, procedures, and services in order to provide equal opportunity of use to these tenants. This may include providing convenient parking for physically disabled tenants (if landlord provides parking on the property). Landlords must also allow disabled tenants to make any reasonable modifications they choose (at their own expense) to make the space safe and comfortable. Examples of such modifications are: lowering countertops, installing special faucet or door handles, modifying kitchen appliances, and installing ramps. If these modifications will make the unit unacceptable to subsequent tenants, disabled tenants may have to agree to restore the property to its previous state before moving.

In the case of disabilities that are not obvious, a landlord may request proof that accommodations or modifications are required. A letter from a physician or therapist is generally sufficient. In all cases, the provision of "reasonable" modifications does not include any changes that would seriously impair the landlord's ability to run their business. Any questions about the definition of "reasonable" as well as reports of discrimination should be directed to the local office of Housing and Urban Development (HUD).


Learn about
Housing Rights of Disabled Tenants at www.nolo.com. Understand the laws that protect tenants with disabilities. Topics covered such as Mental or Emotional Impairments, Discriminatory Questions and Actions, and The Rights of Disabled Tenants to Live in an Accessible Place regarding Accommodations and Modifications.


frequently asked questions about finding affordable accessible housing and related resources

WHERE DO I START LOOKING FOR AFFORDABLE ACCESSIBLE HOUSING?
  1. Housing Resource Lists - Following are nonprofit organizations which maintain a list of accessible housing:
    Rental Housing

    National Accessible Apartment Clearinghouse 800)-421-1221
    Home Ownership
    Fannie Mae
    has mortgages specifically designed to meet the needs of people with disabilities as well as people who have family members with disabilities living with them.
    The Georgia Department of Community Affairs has a specialized loan product, the Own Home Loan, that is targeted to assisting persons with a disability in purchasing homes.
  2. Affordable Housing Directory - The CHRC maintains a directory of nonprofit organizations, government entities, and for-profit corporations that own and manage affordable rental housing. Search the Affordable Housing Directory Online for contact information for the various organizations and agencies.
  3. Apartment Finder Magazines/Newspapers - Check a nearby newstand for a stack...For Rent and Apartment Guide are popular choices.
  4. Apartment Finder Services - You may only find a few affordable properties through these services, but it doesn't hurt to have someone else assisting with your search!
    Search the Yellow Pages for free apartment locator services; Visit the Apartment Locators page on HUD's website; Use a search engine to find apartment locator websites - enter key words such as "apartment finder", "apartment locator", etc.
  5. Referrals - Ask your friend and family members if they have any recommendations. You could find out about vacancies before even the landlord knows!

OTHER CONSIDERATIONS: AGENCIES SERVING PERSONS WITH DISABILITIES
DEFINITIONS
Affordable Housing - a term generally defined as housing where the occupant pays no more than 30% of gross income for total housing costs, including utilities.
Fair Market Rent (FMR) - an amount determined by the U.S. Dept. of Housing and Urban Development (HUD) to be the cost of modest, non-luxury rental units in a specific market area. Generally, an "affordable" rent is considered to be below the Fair Market Rent
Cost Burden is the extent to which total housing costs, including utilities, exceed an acceptable percentage (30% is the standard) of gross income.
Unfortunately, many people are burdened by the high cost of market rate housing.
Example: Jane Doe earns $7.00 per hour at her full-time job which results in an annual income of $14,560. In theory, Jane Doe should be able to afford $364 (30% of her income) for rent, including utilities. In reality, however, many would agree that finding a safe, decent place to live in the Metro Atlanta area for $364 is challenging. So, in order to live in a place where she is comfortable, Jane might pay $450-$500 for rent (more than she can really afford) and goes without some other necessities. Hence, the concept of cost burden.
Your questions and comments on this and other CHRC web pages are more than welcome. Thank you for your interest in the CHRC!

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ã Copyright 2001 Community Housing Resource Center
Designed by the Community Housing Resource Center (CHRC). The mission of the CHRC is to support community groups and organizations dedicated to affordable housing and community revitalization. This Tip Sheet may be reproduced and distributed in its current form. 8/24/01.