Housing Assistance for Seniors in Delaware
Last updated:
Key takeaways
- Start with safety: if you’re in danger of losing housing or heat, use the emergency contacts below first.
- Delaware’s main state agencies for senior housing help are the Delaware State Housing Authority (DSHA) for rent, vouchers, and homeowner aid, and the Division of Services for Aging and Adults with Physical Disabilities (DSAAPD) for aging-in-place services and home modifications.
- For renters: look at Housing Choice Vouchers (Section 8), the State Rental Assistance Program (SRAP) for adults 62+, and HUD “senior apartment” (Section 202) properties. Waitlists are common—apply widely.
- For homeowners: combine the Delaware Senior School Property Tax Credit, energy and weatherization help, and repair programs (USDA 504, Milford Housing, Habitat) to keep your home safe and affordable.
- Use free, HUD-approved housing counselors for foreclosure prevention, budgeting, and tenant rights.
If you need emergency help
- Call 911 if you are unsafe or experiencing a medical emergency.
- Need shelter or urgent rent/utility help now? Call or text 2‑1‑1 or visit Delaware 211: Get help from Delaware 211
- Homeless services and shelter openings (statewide): Housing Alliance Delaware – Coordinated Entry
- Report utility shutoff emergencies or apply for heating/cooling help: Delaware Energy Assistance Program (LIHEAP/DEAP)
- Older adults support, case management, home care, and protective services: Delaware DSAAPD
Tip: If you’re served an eviction notice, call a lawyer immediately. Start with:
- Community Legal Aid Society, Inc. (CLASI)
- Legal Services Corporation of Delaware
- Delaware Volunteer Legal Services – Senior Legal Hotline
How housing help works in Delaware
Delaware does not have a single “one-stop” program that covers every situation. Instead, support comes from a mix of federal, state, county, and nonprofit programs:
- DSHA (Delaware State Housing Authority) administers rental assistance, homeownership programs, and some repair funds: Visit DSHA
- DSAAPD (within DHSS) helps older adults live safely at home, including possible home modifications through certain programs/waivers: Visit DSAAPD
- HUD programs include Housing Choice Vouchers (Section 8), subsidized apartments, and Section 202 supportive housing for older adults.
- LIHEAP/DEAP (heating/cooling), Weatherization, and utility assistance reduce monthly costs.
- Nonprofits (Milford Housing, Habitat for Humanity, NCALL, West End Neighborhood House, Catholic Charities, First State Community Action, Friendship House, Ministry of Caring) fill gaps.
Reality check: Expect waitlists for vouchers and senior apartments. Apply to more than one program, keep documents handy, and respond quickly to mail and calls.
Who should use this guide
- Seniors (generally age 60+ or 62+, depending on the program).
- Caregivers and family members seeking help on a senior’s behalf.
- Delaware residents needing rent help, repairs, utility assistance, or accessible home modifications.
Quick program snapshot
| Program | Who it helps | What it covers | Where to apply |
|---|---|---|---|
| Housing Choice Voucher (Section 8) | Low-income renters, including seniors | Monthly rent subsidy in private units | HUD list of Delaware PHAs |
| State Rental Assistance Program (SRAP) | Low-income seniors (62+) | Ongoing rent subsidy (tenant pays ~30% of income) | DSHA – SRAP info |
| Section 202 Senior Housing | Very low–income seniors | Subsidized senior apartments with services | Search HUD-subsidized apartments |
| LIHEAP/DEAP | Low-income households | Heating/cooling bills, crisis assistance | Delaware LIHEAP/DEAP |
| Weatherization Assistance | Low-income homeowners & renters | Insulation, air sealing, heating system fixes | Energize Delaware – Energy Programs |
| USDA 504 Repair Program | Low-income rural homeowners 62+ | Grants/loans for health & safety repairs | USDA 504 Home Repair |
| Statewide Emergency Home Repair (SERP) | Low-income homeowners | Urgent critical repairs (e.g., heat, roof) | Milford Housing – Home Repair |
| Senior School Property Tax Credit | Delaware homeowners age 65+ | Up to $500 credit on school property tax (eligibility applies) | Delaware Dept. of Finance – Property Tax Relief |
Notes:
- For Section 8 and SRAP, waitlists open/close. Check frequently, apply when open. Use more than one list.
- Section 202 properties accept applications directly at the property management office; see HUD’s locator.
Renting help for seniors in Delaware
Housing Choice Voucher (Section 8)
- What it is: A federal voucher that pays part of your rent directly to your landlord. You pay the rest, usually about 30% of your adjusted monthly income.
- Who runs it: Local Public Housing Authorities (PHAs) and DSHA. Each keeps its own waitlist.
- How to apply: Find which PHA covers your city/county, watch for waitlist openings, and apply. Start here: HUD – Find Delaware PHAs
Reality check: Waits can be long (months to years). Apply to multiple PHAs if possible, keep contact info updated, and respond quickly to letters.
State Rental Assistance Program (SRAP) for seniors 62+
- What it is: A Delaware program that subsidizes rent for very low-income older adults (62+). Tenants typically pay 30% of income toward rent; SRAP covers the rest up to an approved rent.
- Who runs it: DSHA.
- How to apply: Check DSHA for eligibility, documentation, and openings: DSHA – SRAP
Tip: SRAP may require that the unit and landlord meet program standards. Ask any potential landlord if they accept SRAP or vouchers before you apply for the unit.
HUD Section 202 Supportive Housing for the Elderly
- What it is: Federally subsidized senior apartments with supportive services like service coordination and social activities. Rents are income-based.
- How to apply: Apply directly to each property. Use HUD’s locator to find options near you: Search HUD-subsidized apartments (filter for “Elderly”)
Public housing for seniors
- Some PHAs operate senior-designated public housing buildings. Check listings and eligibility with your local PHA: HUD – Delaware PHA contacts
Short-term rent help and homelessness prevention
- Delaware’s large COVID-era rental program (DEHAP) is no longer active. For any current emergency assistance, call 2‑1‑1 or contact your county’s community action agency and local nonprofits:
Utility and energy help
LIHEAP / Delaware Energy Assistance Program (DEAP)
- What it is: Help with heating and cooling bills, and crisis help if you’re facing shutoff.
- Who runs it: Delaware Division of State Service Centers (DHSS/DSSC).
- How to apply: Review eligibility and contact your local office here: Apply for DEAP (LIHEAP)
Weatherization Assistance
- What it is: Free energy upgrades like insulation, air sealing, and heating system repairs. Lowers bills and improves comfort.
- Where to start: Energize Delaware – Programs for homes and ask about the Weatherization Assistance Program and related offerings.
Tip: You can receive both LIHEAP and Weatherization; ask agencies to coordinate so improvements match your energy needs.
Home repairs, safety, and accessibility (aging in place)
Statewide Emergency Home Repair Program (SERP)
- What it is: Urgent repairs to correct health/safety hazards (heating failure, major leaks, electrical hazards, failed septic, etc.).
- Who runs it: Administered statewide by Milford Housing Development Corporation (MHDC) using a mix of state/federal funds.
- How to apply: MHDC – Home Repair Programs
USDA Section 504 Home Repair (Loans & Grants)
- What it is: For low-income rural homeowners. Loans at 1% interest for repairs; grants for homeowners age 62+ to remove health and safety hazards (lifetime grant cap currently up to 10,000;loancapupto10,000; loan cap up to 40,000).
- How to apply: Check income limits, rural address eligibility, and forms: USDA 504 Repair Program
Habitat for Humanity – Home Repair
- What it is: Critical home repairs and accessibility modifications using volunteer labor and affordable terms.
- Apply locally:
Weatherization & energy upgrades
- Start at: Energize Delaware
Ask about weatherization, heater/AC programs, and income-qualified upgrades.
Home modifications through aging services/waivers
- DSAAPD may help eligible seniors with home modifications (ramps, grab bars) when tied to a care plan or Medicaid waiver services. Learn more and ask for an assessment: DSAAPD – Services
Homeowner counseling and consumer protections
- If you’re behind on mortgage or taxes, contact a HUD-approved housing counselor for free help: Find a HUD-approved housing counselor
- For mortgage relief funded by the federal Homeowner Assistance Fund (availability may change), check DSHA’s current offerings: DSHA – Homeowner help
Reality check: Many repair programs prioritize the most serious hazards first and may have waiting lists. Get on the list early and have documents ready (proof of ownership, income, and homeowners insurance if required).
Property tax relief and homeowner costs
| Program | Who qualifies | Benefit | Where to learn more |
|---|---|---|---|
| Delaware Senior School Property Tax Credit | Homeowners age 65+ meeting residency and other requirements | Up to $500 credit toward school property taxes | Delaware Dept. of Finance – Credits & Relief |
| County/Local Senior Exemptions | Varies by county/municipality | Additional property tax reductions or exemptions | New Castle: County property tax relief • Kent: County tax info • Sussex: County tax relief |
| Utility Budget Billing & Arrearage Programs | Customers with past due balances or seasonal spikes | Payment plans, budget billing, arrearage forgiveness (varies by utility) | Check your utility’s “Assistance” page or call 2‑1‑1 |
Tip: Combine the state credit with any county/municipal programs. Ask about senior or disability exemptions where you live.
Where to get trusted advice (free)
| Need help with… | Who to contact | Link |
|---|---|---|
| General housing questions and state programs | Delaware State Housing Authority | Visit DSHA |
| Aging-in-place, home care, possible home mods | DSAAPD (Aging & Adults with Physical Disabilities) | DSAAPD services |
| Evictions, landlord-tenant issues, fair housing | CLASI | Community Legal Aid Society, Inc. |
| Foreclosure, budgeting, buying a home | HUD-approved counselors | Find a housing counselor |
| Homeless services and shelters | Housing Alliance Delaware – Coordinated Entry | Access help |
| Energy bills (LIHEAP/DEAP) | DHSS – Division of State Service Centers | Apply for DEAP |
Step-by-step: How to apply and improve your odds
- Gather documents
- Photo ID; Social Security or ITIN.
- Proof of income (Social Security award letter, pensions, pay stubs, benefit statements).
- Recent bank statements.
- Lease or mortgage statement; property tax bill (if a homeowner).
- Utility bills (for energy programs).
- Apply broadly
- If renting, apply to multiple PHAs for vouchers and to several Section 202 senior buildings.
- If you own your home, apply to more than one repair program (USDA 504, SERP via Milford Housing, Habitat, Weatherization).
- Watch your mail and voicemail
- Agencies often mail letters. Missing a letter can move your application to the bottom or close it.
- Keep contact info updated
- If you move or change phone numbers, update every agency immediately.
- Ask for reasonable accommodations
- If you have a disability and need help applying or communicating, request an accommodation under the Fair Housing Act.
- Use a housing counselor
- They can help with budgets, documents, and appeals: Find a HUD-approved counselor
Reality checks, warnings, and tips
- Waitlists are normal. Ask each agency for “preferences” (e.g., elderly, disability, veteran, homeless prevention) that may move you up the list.
- Landlord acceptance: Not all landlords accept vouchers or SRAP. Ask ahead and get it in writing.
- Don’t pay for applications. Voucher and subsidized housing applications are free. Beware of scams.
- Inspections: Repairs and weatherization may require inspections. Be ready to show all areas of the home.
- Reverse mortgages: Useful for some older homeowners but can risk foreclosure if taxes/insurance aren’t paid. Get counseling before signing: HUD HECM counseling
Programs for renters (details)
| Program | What it does | Key points | How to get started |
|---|---|---|---|
| Housing Choice Voucher (Section 8) | Subsidizes rent in private apartments/homes | Income-based; unit must pass inspection; waits common | Find Delaware PHAs |
| State Rental Assistance Program (SRAP, 62+) | State-funded rent subsidy for older adults | Tenant pays ~30% of income; unit/landlord must qualify | Learn about SRAP at DSHA |
| Section 202 Senior Housing | Subsidized senior apartments with services | Apply to each property; some are smoke-free and accessible | HUD housing search |
| Public Housing (senior-designated) | Income-based rent in PHA-owned buildings | Ask PHAs if they have senior-only sites | PHA contacts (DE) |
| Utility help (LIHEAP/DEAP) | Helps pay heating/cooling; crisis | Apply early each season; priority for seniors/medical need | Apply for DEAP |
Programs for homeowners (details)
| Program | What it does | Good for | Where to apply |
|---|---|---|---|
| Statewide Emergency Home Repair (SERP) | Urgent safety repairs | No heat, roof leaks, dangerous wiring, failed septic | Milford Housing – Repairs |
| USDA 504 Loans & Grants | Repairs and hazard removal; 62+ may get grants | Rural homeowners with very low income | USDA Section 504 |
| Weatherization Assistance | Insulation, air sealing, HVAC fixes | High bills, drafty home, old systems | Energize Delaware |
| Senior School Property Tax Credit | Lowers school property tax | Homeowners age 65+ meeting residency rules | Delaware Finance – Property Tax Relief |
| Homeowner Assistance Fund (as available) | Mortgage, taxes, HOA fees (programs change) | Hardship since 2020 | DSHA – Homeowner help |
| HUD Housing Counseling | Free help with mortgage, taxes, budgeting | All homeowners | Find a counselor |
Note: Program amounts and availability can change with funding. Always check the agency’s page for current limits and how to apply.
Health, long-term care, and housing
- Medicaid Home- and Community-Based Services (HCBS): If you qualify for Delaware Medicaid, ask about in-home supports, adult day services, and possible home modifications tied to your plan. Start with DSAAPD: DSAAPD – Services & Supports
- Assisted living and nursing homes: Costs are high. Compare facilities and check ratings with Medicare Care Compare: Find and compare nursing homes
For consumer guidance on long-term care options and financial eligibility, contact DSAAPD.
Legal help, tenants’ rights, and fair housing
- Evictions/landlord-tenant issues:
- Fair housing discrimination:
- File a complaint with HUD: HUD Fair Housing – File a complaint
- Delaware Department of Justice (consumer protection, landlord-tenant resources): Delaware DOJ
Tip: Keep copies of your lease, notices, photos of conditions, and a log of conversations/repairs. This helps if you need legal help.
Inclusive resources
LGBTQ+ seniors
- You are protected from housing discrimination under federal fair housing rules. If you experience discrimination, file a complaint with HUD: Report discrimination to HUD
- Local community support and referrals: CAMP Rehoboth
Veteran seniors
- VA homelessness prevention and housing (SSVF), HUD-VASH vouchers, and caregiver support are available. Start here:
- VA – Find SSVF Providers
- HUD-VASH info
You can also contact the Delaware Commission of Veterans Affairs for state-level help and referrals.
Seniors with disabilities
- Ask DSAAPD about home modifications, personal attendant services, and Medicaid waiver supports: DSAAPD
- Disability rights and advocacy: CLASI Disabilities Law Program
Tribal citizens
- Delaware does not have federally recognized tribes operating tribal housing within the state. If you are a citizen of a federally recognized tribe (in DE or elsewhere), you may qualify for housing help through your tribe’s housing authority or HUD’s Office of Native American Programs (Eastern Woodlands): HUD ONAP – Eastern Woodlands
Rural seniors
- If you live outside major towns (especially in Kent and Sussex Counties), check USDA 504 Home Repair Grants/Loans and Weatherization first:
- Transportation to apply/inspect can be an obstacle. Ask agencies about mobile intake, mail-in applications, or accommodations.
Resources by region
New Castle County
- Housing Authorities and programs:
- Nonprofits:
Kent County (Dover and surrounding)
- Housing Authorities and programs:
- Nonprofits:
Sussex County
- Housing programs:
- County services and tax relief:
Tip: For any town or county page where you can’t find what you need, use the site’s search box for “housing,” “Section 8,” “senior,” or “property tax relief.”
Frequently asked questions (FAQs)
Q: I applied for Section 8 and never heard back. What now?
A: Call the PHA to confirm your status and that your mailing address and phone are correct. Some PHAs post waitlist status online. Apply to multiple PHAs and senior housing properties to improve your chances: Find Delaware PHAs
Q: Can I use a voucher anywhere in Delaware?
A: Generally yes, but there’s a process called “portability.” Work with your current PHA before moving. Ask how to “port” your voucher to a new county or state.
Q: I’m behind on rent right now. Is there emergency help?
A: Call 2‑1‑1, and contact local nonprofits (Catholic Charities, Friendship House, West End Neighborhood House). Large COVID-era rental programs have ended, but short-term funds may be available in your area: Delaware 211
Q: I need a ramp and bathroom grab bars. Who can help?
A: Start with DSAAPD to see if home modifications can be part of your care plan: DSAAPD. Also check Habitat’s repair programs and USDA 504 grants for homeowners 62+ in rural areas.
Q: Are there senior apartments where rent is based on my income?
A: Yes. Look for HUD Section 202 senior housing and other HUD-subsidized properties. Apply directly at each property: HUD apartment search
Q: My heat is off and I can’t afford oil.
A: Apply for LIHEAP/DEAP right away and explain it’s an emergency: DEAP – Apply. Also tell your fuel vendor you’ve applied; some vendors work with assistance programs.
Q: What is the Delaware Senior School Property Tax Credit?
A: For eligible homeowners age 65+ who meet residency and other rules, the state offers a credit up to $500 of school property taxes. Check eligibility and how to apply: Delaware Finance – Property Tax Relief
Q: I think my landlord is discriminating against me because of my age or disability.
A: Keep records and file a fair housing complaint with HUD: File a HUD complaint. You can also contact CLASI for legal help.
Q: I own my home but need a roof. I can’t afford it.
A: Apply to Milford Housing’s repair program and USDA’s 504 program. If approved, grants/loans can cover health/safety repairs:
Q: I’m overwhelmed by the paperwork. Who can sit with me and go step-by-step?
A: A HUD-approved housing counselor can help for free: Find a counselor. You can also ask DSAAPD about case management.
More sources and official links
- Delaware State Housing Authority: destatehousing.com
- DSAAPD (Aging & Adults with Physical Disabilities): dhss.delaware.gov/dhss/dsaapd
- LIHEAP/DEAP (Energy Assistance): dhss.delaware.gov/dhss/dssc/liheap.html
- HUD – Delaware PHA Contacts: hud.gov/…/pha/contacts/de
- HUD – Find subsidized apartments: resources.hud.gov
- HUD – Housing counseling: hud.gov/counseling
- USDA Section 504 Repairs: rd.usda.gov/…/single-family-housing-repair-loans-grants
- Energize Delaware – Home energy programs: energizedelaware.org
- CLASI (Legal aid): declasi.org
- Legal Services Corporation of Delaware: lscd.com
- Delaware Volunteer Legal Services – Senior Legal Hotline: delegalhelpline.org
- Delaware DOJ (Consumer protection, landlord-tenant): attorneygeneral.delaware.gov
- Housing Alliance Delaware (homeless services): housingalliancede.org
- Milford Housing Development Corporation (repairs): milfordhousing.com
- Habitat for Humanity (DE affiliates): Habitat NCC • Central Delaware Habitat • Sussex Habitat
Disclaimer
Program rules, funding levels, and eligibility can change. Always verify details with the official agency or program before applying. This guide is for general information and is not legal or financial advice.
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: August 2025
• Sources Verified: August 2025
• Next Review: February 2026
If you find outdated information, discover new resources, or have questions, please contact us at info@grantsforseniors.org. We’re here to help seniors find resources that can make a real difference in their daily lives.