What Section 8 really covers — and what it doesn’t

Millions rely on Section 8 for housing help — but what it covers, and what it doesn’t, still confuses many. Check out the latest possible cuts to rental aid in the US before diving into these key Section 8 answers. HUD guidelines help explain the maximum rent covered, who qualifies, and what limits apply.

What is Section 8?

Being “on Section 8” means you’re approved for the Housing Choice Voucher Program. It’s a federal program that helps low-income renters pay for privately owned housing. Instead of placing people in public housing, it gives them the freedom to choose where to live.

What is the most rent Section 8 will pay?

Section 8 generally pays 60% to 70% of your monthly rent, depending on your income. The local Public Housing Authority (PHA) uses Fair Market Rent (FMR) benchmarks to cap how much landlords can charge.

Here’s how it works:

Your rent portion cannot exceed 30% of your adjusted income.
Section 8 covers the remaining amount, up to the local FMR
If rent exceeds the local FMR, you may have to pay the difference

Example: If your adjusted income is $1,200/month, your max rent portion is $360. Section 8 could cover up to $840 more, depending on local limits.

What does calling someone a “Section 8” mean?

Referring to someone as a “Section 8” typically means they receive rental assistance through this voucher program. It’s slang for a program participant — but sometimes carries stigma due to housing stereotypes or discrimination from landlords.

What is the downside to Section 8?

While it’s a crucial lifeline for many, Section 8 has limitations:

Long waitlists: In some cities, applicants wait years
Landlord rejection: Not all landlords accept vouchers
Strict inspections: Properties must meet HUD standards
Paperwork delays: Rent payments can be held up due to red tape
Limited units: You may struggle to find eligible housing in desirable areas

➡️ Explore more Section 8 stories here

What income is excluded from Section 8?

Certain income sources do not count toward your total for eligibility:

Earned income of minors
Food stamps (SNAP)
Earned Income Tax Credit refunds
Student financial aid
Certain one-time payments, like disaster relief or some inheritances

You must report nearly all income to HUD — but they exclude some when calculating what you can afford.

Who can live with you on Section 8?

You can live with:

Immediate family members (spouse, children, parents)
Other approved household members (roommates, partners)
Live-in aides (for medical reasons)

All members must be listed on your voucher. If you add someone later, you need PHA approval.

MORE RESOURCES

Digital Team

This content is brought to you by the FingerLakes1.com Team. Support our mission by visiting www.patreon.com/fl1 or learn how you send us your local content here.

Section 8 questions: What it really covers— and what it doesn’t