Housing Assistance for Seniors in Arkansas

Last updated: January 10, 2026

This is a practical, step-by-step guide to help Arkansas seniors find and use housing assistance—whether you need help with rent, are making your home safer, or are looking for affordable senior apartments. We include direct links to official sources, clear steps, and realistic timelines.

Key Takeaways

• For rent help, start with Housing Choice Vouchers (Section 8), HUD-assisted senior apartments (Section 202), and USDA rural rentals. Expect waitlists; apply to multiple options at once.
• For home repairs and safety upgrades, look first at USDA Section 504 grants/loans, Weatherization, and city/county rehab programs funded by HOME/CDBG. These often serve low-income seniors first.
• For utility bills and energy savings, apply to LIHEAP and Weatherization. Also check your utility’s hardship programs.
• If you’re a veteran, contact the VA for HUD-VASH vouchers and state veterans homes.
• If you’re in crisis tonight, use the Emergency Help section below. Call 2-1-1 to find local openings quickly.
• Always apply early, keep copies of everything, and if denied, ask for a written reason and appeal promptly.

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If You Need Emergency Help

If you are unsafe, at risk of eviction in days, or homeless now, use these immediate options.

Reality check:

• Hotel vouchers and same-day rent help are rare. Keep calling multiple agencies through 2-1-1 and ask about “ESG prevention,” “rapid rehousing,” and “senior preference” properties.
• If you get a notice to quit or court papers, seek legal help immediately. Deadlines can be just a few days.

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How Housing Help Works in Arkansas (quick primer)

• Income limits: Most programs use HUD income limits at 30%, 50%, or 80% of Area Median Income (AMI). Look up your county’s limits here: HUD Income Limits Tool: https://www.huduser.gov/portal/datasets/il.html
• Documents you’ll need: Photo ID, Social Security number, proof of income (Social Security award letter, pension, pay stubs), last 2–3 months of bank statements, lease (if renting), utility bills, and proof of Arkansas residency.
• Waitlists: Section 8 and popular senior buildings may be closed or wait a year or more. Apply to several programs at once and check back monthly.

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Rental Assistance for Arkansas Seniors

1) Housing Choice Voucher (Section 8)

• What it is: A federal rent voucher that caps your rent at about 30% of your income; the voucher pays the rest to your landlord (up to limits).
• Who qualifies: Low-income households; seniors and people with disabilities often get preferences. Criminal background and some debts to PHAs can affect eligibility.
• How to apply: Apply through local Public Housing Agencies (PHAs). Many have online forms when lists open.
• Where to find PHAs: Use HUD’s PHA directory for Arkansas: https://www.hud.gov/program_offices/public_indian_housing/pha/contacts

Reality check:

• Lists may be closed. Sign up for alerts and apply to multiple PHAs in and outside your county where you’re willing to live. You can move later using “portability.”

2) Public Housing for Older Adults

• What it is: Income-based apartments owned by PHAs. Many buildings are designated for seniors (62+) or elderly/disabled.
• How rent works: Typically 30% of your adjusted income.
• How to apply: Contact your local PHA. HUD PHA directory: https://www.hud.gov/program_offices/public_indian_housing/pha/contacts

3) HUD Section 202 Supportive Housing for the Elderly (62+)

• What it is: Subsidized apartments with on-site service coordination designed for very low-income older adults.
• Why it helps: Often easier to navigate and more supportive than general housing.
• How to find and apply: Use the HUD Resource Locator and filter for “Elderly” properties: https://resources.hud.gov

4) USDA Rural Rentals (Section 515/521)

• What it is: Affordable rental apartments in rural towns; many accept seniors and people with disabilities, with rent assistance attached to units.
• How to search: USDA rural rental finder (filter by Arkansas): https://rdmfhrentals.sc.egov.usda.gov/RDMFHRental

5) Low-Income Housing Tax Credit (LIHTC) Senior Apartments

• What it is: Affordable apartments built with tax credits. Many set aside units for seniors. Rents are below market, but not always income-based.
• How to find: Statewide affordable housing search (often includes LIHTC): Arkansas Housing Search (free): https://www.ArkansasHousingSearch.org

6) Homelessness Prevention & Rapid Rehousing (ESG)

• What it is: Short-term help with rent, deposits, and case management for people at risk of homelessness or already homeless.
• How to access: Call 2-1-1 or contact Continuum of Care (CoC) agencies listed here (choose Arkansas): https://www.hudexchange.info/grantees/contacts/?params=%7B%22grantees%22:%5B%5D,%22state%22:%22AR%22,%22program%22:%5B%22CoC%22,%22ESG%22%5D%7D

Summary – Major Rental Options for Arkansas Seniors

Tip: Keep a simple “housing packet” with copies of your ID, Social Security card, proof of income, and recent bank statements so you can apply quickly when waitlists open.

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Home Repairs, Accessibility, and Safety Upgrades

1) USDA Section 504 Home Repair (Grants/Loans)

• What it is: Low-interest loans (up to $40,000)forverylow-incomehomeownerstorepair,improve,ormodernizetheirhomes;grants(upto$10,000) for homeowners 62+ to remove health and safety hazards.
• Who qualifies: Owner-occupants in eligible rural areas with income below program limits; grants are for 62+ who cannot repay a loan.
• How to apply: Through USDA Rural Development; contact your local RD office. Program details: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants and find your local office: https://offices.sc.egov.usda.gov/locator/app?agency=rd

Reality check: Funds are limited and go fast each year. Apply early in the funding cycle and ask to be waitlisted if funds are exhausted.

2) Weatherization Assistance Program (WAP)

• What it is: Free energy-saving upgrades like insulation, air sealing, and safer heating/cooling for eligible low-income households, reducing bills and improving comfort.
• Who qualifies: Based on income; seniors and people with disabilities are often prioritized.
• How to apply: Through local providers; start at the U.S. DOE state contact page: https://www.energy.gov/scep/wap/articles/weatherization-assistance-program-wap-state-contacts

3) HOME- and CDBG-Funded Local Rehab Programs

• What it is: Cities and counties use HUD’s HOME and Community Development Block Grant (CDBG) funds to repair roofs, plumbing, electrical, and accessibility.
• How to apply: Check your city/county housing or community development office. State HOME info: Arkansas Development Finance Authority (HOME Program): https://adfa.arkansas.gov and CDBG info: Arkansas Economic Development Commission (CDBG): https://www.arkansasedc.com/community-resources/community-development-block-grant

Tip: Ask for “owner-occupied rehab” or “emergency repair” programs. These programs may open seasonally and maintain waitlists.

4) Accessibility Modifications (Ramps, Bathrooms, Doorways)

• Arkansas Rehabilitation Services (ARS) may help with home accessibility modifications for people with disabilities through Independent Living or vocational rehab services. Learn more and find your local ARS office: https://ars.arkansas.gov
• Your Area Agency on Aging (AAA) may also fund minor home mods using Older Americans Act funds. Find your AAA via Eldercare Locator (phone or online): https://eldercare.acl.gov or 1-800-677-1116.

5) Habitat for Humanity and Local Nonprofits

• Many Habitat affiliates offer “Home Repair” programs for low-income seniors, such as roof fixes, accessibility ramps, and exterior repairs.
• Find your Arkansas affiliate: https://www.habitat.org/local/affiliate-by-state?state=AR

6) Property Tax Relief for Seniors (Important If You Own Your Home)

• Homestead Tax Credit: Lowers your property tax bill on your primary home (credit amount set by state law).
• Age 65+ or Disabled Assessment Freeze: Freezes the taxable value of your homestead (some exceptions, like new additions).
• Learn more and apply through your county assessor; state overview: Arkansas Assessment Coordination Division (Homestead and Age 65+ provisions): https://www.dfa.arkansas.gov/administration-services/assessment-coordination-division

Summary – Home Repair & Accessibility Programs

Reality check:

• These programs often require you to be current on property taxes and mortgage. If you are behind, ask about counseling and hardship options early.

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Utility and Energy Bill Help

1) LIHEAP (Low-Income Home Energy Assistance Program)

• What it is: Help with electric and heating bills; crisis help may be available for shutoffs.
• Who qualifies: Income-based; seniors often get priority appointments.
• How to apply: Through Arkansas DHS and local Community Action Agencies. Start here: Arkansas DHS LIHEAP information: https://humanservices.arkansas.gov (search “LIHEAP”), or call 2-1-1 to find your local intake agency.

2) Weatherization Assistance Program (WAP)

• See Home Repairs section above. WAP reduces bills long-term. State contact: https://www.energy.gov/scep/wap/articles/weatherization-assistance-program-wap-state-contacts

3) Utility Company Hardship Programs

• Entergy Arkansas: Payment assistance, levelized billing, and The Power to Care (often helps seniors facing disconnection). Start here: Entergy Arkansas bill help: https://www.entergy-arkansas.com/bill-help/
• SWEPCO (AEP): Check payment assistance options for Arkansas customers: https://www.swepco.com/helpinghands
• CenterPoint Energy Arkansas (gas): Assistance and payment plans: https://www.centerpointenergy.com/en-us/services/Pages/billing-payment.aspx
• Black Hills Energy (gas): Assistance programs: https://www.blackhillsenergy.com/billing/payment-assistance

Tip: Call your utility and ask for “medical hardship,” “payment arrangement,” or “third-party notification” if you are hospitalized or homebound.

Summary – Utility & Energy Help

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Buying a Home, Keeping Your Home, and Reverse Mortgages

Arkansas Development Finance Authority (ADFA) – Mortgages & Down Payment Help

• ADFA offers affordable mortgages and down payment assistance programs for eligible homebuyers. Income and purchase price limits apply.
• Learn more: Arkansas Development Finance Authority homebuyer programs: https://adfa.arkansas.gov

Reality check: Down payment assistance can add a second lien or deferred loan. Read terms carefully and ask your lender to explain the repayment rules in writing.

HUD-Approved Housing Counseling

• Free or low-cost counselors can help you plan a home purchase, avoid foreclosure, or compare options like reverse mortgages.
• Find a HUD-approved counselor in Arkansas: https://www.hud.gov/findacounselor

Reverse Mortgages (HECM)

• What it is: A federally insured loan for homeowners 62+ that lets you tap home equity without monthly payments. You must pay taxes, insurance, and maintain the home.
• Risks: Foreclosure can happen if you don’t pay property taxes/insurance or move out too long. Consider with family and a counselor.
• Learn more and find counseling: HUD HECM information and counselor search: https://entp.hud.gov/idapp/html/hecm_agency_look.cfm

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Finding Affordable Senior Apartments

Use these trusted tools to search statewide and locally.

Tip: Call properties monthly to ask about openings and waitlist movement. Ask if they have “elderly preference” or “local residency preference.”

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Legal Help, Fair Housing, and Eviction Defense

• Free legal help for low-income seniors:
  • Arkansas Legal Services (statewide portal): https://www.arkansaslegal.org
• Lawyer referral:
  • Arkansas Bar Association Lawyer Referral Service: https://www.arkbar.com/for-the-public/lawyer-referral-service
• Fair housing rights and complaints:
  • Arkansas Fair Housing Commission (state agency listing): https://www.arkansas.gov/agencies/arkansas-fair-housing-commission/
  • U.S. HUD Fair Housing (file a complaint): https://www.hud.gov/fairhousing

Reality check:

• Arkansas eviction timelines can move quickly. Do not ignore notices. Call legal aid as soon as you receive a notice to vacate or court papers.

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Inclusivity: Programs and Tips for Specific Groups

Veterans

• HUD-VASH Vouchers (rent help plus VA case management): https://www.va.gov/homeless/hud-vash/
• Arkansas State Veterans Homes (long-term care): Arkansas Department of Veterans Affairs: https://www.veterans.arkansas.gov
• VA Caregiver and home-based supports: https://www.va.gov/health-care/about-va-health-benefits/long-term-care/

Tip: If you served and are homeless or at risk, ask for the “VA homeless coordinator” at the nearest VA medical center. They can fast-track HUD-VASH referrals when appropriate.

LGBTQ+ Seniors

• Fair housing protections: HUD treats discrimination based on sexual orientation and gender identity as sex discrimination under the Fair Housing Act. How to file: https://www.hud.gov/fairhousing
• National SAGE Hotline (support and referrals): 1-877-360-LGBT(5428) | https://www.sageusa.org

Tip: If you experience harassment or bias in housing, keep a written log and report it to the Arkansas Fair Housing Commission and HUD.

Seniors with Disabilities

• Accessibility home modifications: Arkansas Rehabilitation Services: https://ars.arkansas.gov
• Social Security benefits letters (often needed for applications): https://www.ssa.gov/myaccount/
• Disability rights and fair housing: HUD reasonable accommodation info: https://www.hud.gov/program_offices/fair_housing_equal_opp/reasonable_accommodations_and_modifications

Native/Tribal Elders

• Arkansas has no federally recognized tribes headquartered in-state, but enrolled tribal members living in Arkansas can contact their tribe’s housing authority for rental help or home repair.
• HUD Office of Native American Programs, Southern Plains: https://www.hud.gov/codetalk (navigate to ONAP regions and contacts)

Rural Seniors

• Focus on USDA Rural Development (repairs and rentals) and Weatherization.
• If transportation is a barrier, ask your Area Agency on Aging or ADRC for help with rides to appointments.
• Find your local services quickly by calling Eldercare Locator: 1-800-677-1116 or visiting https://eldercare.acl.gov

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Resources by Region (How to Zero In Locally)

Because local programs vary by county and city—and waitlists open and close—use these official tools to locate help closest to you:

• Find your Public Housing Agency (vouchers and public housing): https://www.hud.gov/program_offices/public_indian_housing/pha/contacts
• Find HUD-assisted senior apartments: https://resources.hud.gov
• Find rural affordable rentals: https://rdmfhrentals.sc.egov.usda.gov/RDMFHRental
• Find your local Community Action Agency (LIHEAP, Weatherization, other supports): Arkansas Community Action Agencies Association: https://www.acaaa.org
• Get local referrals 24/7 (shelters, rent help, utility help): https://arkansas.211.org or dial 2-1-1
• Find your Area Agency on Aging: Eldercare Locator: https://eldercare.acl.gov

Tip: When you call, ask for “senior-designated” or “elderly preference” resources. Keep a note of who you spoke with and the date, so you can follow up.

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How to Apply: A Simple Checklist

1. Gather documents:

• Photo ID, Social Security card/number
• Proof of income (Social Security award letter, pension, recent pay stubs if any)
• Last 2–3 months of bank statements
• Current lease and any eviction notices (if renting)
• Recent utility bills
• Proof of disability (if applying for disability-related programs)
• Proof of homeownership (deed, property tax bill) for repair programs

2. Apply to multiple programs at the same time:

• Section 8 vouchers at several PHAs
• HUD 202 and LIHTC senior apartments
• USDA rural rentals if you live in or can move to a rural area
• Weatherization and LIHEAP for utility relief

3. Follow up regularly:

• Call properties and agencies monthly if you’re on a waitlist
• Ask for estimated wait times and any “preferences” you may qualify for (elderly, disabled, veteran, local resident)

4. If denied:

• Ask for a written denial letter stating the reason
• Correct errors or submit more documents
• Appeal within the deadline listed on your letter
• Get help from legal aid if needed: https://www.arkansaslegal.org

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Common Pitfalls (and How to Avoid Them)

• Waiting for “the perfect” program: Apply to all reasonable options now; you can choose later if multiple offers come through.
• Missing paperwork: Keep your housing packet updated; expired IDs or missing bank statements are common reasons for delays.
• Not asking for preferences: If you’re 62+, disabled, or a veteran, ask if there’s a preference that can move you up a list.
• Reverse mortgage misunderstandings: You must keep up with taxes, insurance, and maintenance. Get HUD counseling and involve family before signing.

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Frequently Asked Questions (FAQs)

Q1: Is there a statewide rent assistance program just for Arkansas seniors?

• Not as a single, statewide “senior-only” benefit. Seniors usually qualify under federal programs like Section 8 vouchers, HUD Section 202 senior housing, USDA rural rentals, and city/county ESG prevention. Use HUD and USDA search tools and call 2-1-1 to find current openings.

Q2: I can’t afford a security deposit. Who can help?

• Ask agencies funded by ESG for “deposit assistance,” and check with Continuum of Care providers. Some churches and charities also help with deposits when funds are available. Start with 2-1-1: https://arkansas.211.org

Q3: What if the Section 8 voucher list is closed?

• Apply to public housing, HUD 202 senior buildings, USDA rural rentals, and LIHTC properties. Check multiple PHAs—some outside your home county may be open. HUD PHA directory: https://www.hud.gov/program_offices/public_indian_housing/pha/contacts

Q4: I own my home but need a new roof and a ramp. Where should I apply first?

• Try USDA Section 504 (especially if you’re 62+ and very low income): https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants
• Also check Weatherization (for energy-related upgrades) and local HOME/CDBG rehab programs via your city/county.

Q5: Can I get help with past-due utility bills?

• Yes. Apply for LIHEAP and ask your utility about hardship funds and payment plans. Call 2-1-1 to find local intake sites and community funds.

Q6: How do I report housing discrimination (age, disability, gender identity, etc.)?

• File with the Arkansas Fair Housing Commission: https://www.arkansas.gov/agencies/arkansas-fair-housing-commission/ and/or HUD: https://www.hud.gov/fairhousing

Q7: Are there state veterans homes in Arkansas?

• Yes. See Arkansas Department of Veterans Affairs for locations and eligibility: https://www.veterans.arkansas.gov

Q8: Does a reverse mortgage make sense for me?

• It depends on your budget and goals. Get HUD-approved counseling to understand costs and risks: https://entp.hud.gov/idapp/html/hecm_agency_look.cfm

Q9: Where can I get free help filling out applications?

• Your Area Agency on Aging can help with forms and referrals. Find yours at Eldercare Locator: https://eldercare.acl.gov or call 1-800-677-1116.

Q10: How do I find the income limits for my county?

• Use the HUD Income Limits tool: https://www.huduser.gov/portal/datasets/il.html

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Key Contacts and Hotlines

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Additional Resources (Official and Established Sources)

• U.S. HUD (all programs and rights): https://www.hud.gov
• HUD Income Limits: https://www.huduser.gov/portal/datasets/il.html
• HUD Housing Counselor Finder: https://www.hud.gov/findacounselor
• HUD-VASH (Veterans): https://www.va.gov/homeless/hud-vash/
• Arkansas Development Finance Authority (mortgages, HOME): https://adfa.arkansas.gov
• Arkansas Economic Development Commission (CDBG programs): https://www.arkansasedc.com/community-resources/community-development-block-grant
• Arkansas Assessment Coordination Division (property tax relief): https://www.dfa.arkansas.gov/administration-services/assessment-coordination-division
• Arkansas DHS main site (LIHEAP, Aging Services, ADRC/Choices in Living): https://humanservices.arkansas.gov
• Eldercare Locator (AAAs, services): https://eldercare.acl.gov
• Arkansas Community Action Agencies Association: https://www.acaaa.org
• Habitat for Humanity affiliates (AR): https://www.habitat.org/local/affiliate-by-state?state=AR
• Arkansas Housing Search (affordable rentals): https://www.ArkansasHousingSearch.org
• USDA Rural Rentals: https://rdmfhrentals.sc.egov.usda.gov/RDMFHRental

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Disclaimer

Program rules, funding levels, and eligibility can change. Always verify details with the official agency or program before applying or making decisions. This guide is informational and not legal, financial, or tax advice.

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About This Guide

by the GrantsForSeniors.org Editorial Team

The GrantsForSeniors.org editorial team has been building benefit and assistance resources for seniors nationwide since 2020. We research programs across all 50 states by reviewing government websites, checking agency updates, and gathering information from available sources.

Our Commitment to You:

• Experience & Expertise: The information in this guide is compiled and reviewed by a team with experience in senior services and financial aid programs. We are committed to sharing our knowledge to help you find the support you need.
• Authority & Trust: We rely on verified sources, including government agencies, non-profit organizations, and official program websites, to ensure the accuracy of our content. Our goal is to be a trusted authority you can rely on for credible information.
• Clarity & Accessibility: We understand that seeking financial assistance can be challenging. This guide is designed to be clear and easy to understand, breaking down complex topics into actionable steps.

While we work hard to provide the most accurate information available, please note that program details and eligibility requirements can change. We recommend always checking with the official program source or agency website for the most current information, as we are not official agencies but rather compile available information.

• Last Updated: January 2026
• Sources Verified: January 2026
• Next Review: May 2026

If you find outdated information, discover new resources, or have questions, please contact us at info@grantsforseniors.org. We’re here to help Arkansas seniors find resources that can make a real difference in daily life.