Housing Assistance for Seniors in Montana

Written & Reviewed by

Analic Mata-Murray

Analic Mata-Murray

Managing Editor

Yolanda Taylor

Yolanda Taylor

Senior Healthcare Editor

Last updated:

If You Need Emergency Help

  • Call 911 if you are in immediate danger or without safe shelter tonight.
  • Call or visit Montana 211 for fast referrals to shelters, rent help, and utility aid: Find help at Montana 211 or dial 2‑1‑1.
  • To enter a local homeless services network (shelters, rapid rehousing), contact the statewide Continuum of Care:
  • For domestic or sexual violence emergency housing, call or chat:
  • Adult Protective Services (for vulnerable adults): Report or get help – MT DPHHS APS
  • If you are a veteran: VA crisis line 988, press 1; housing help via VA: VA homeless programs

Key Takeaways

  • For long‑term rent help, look at Housing Choice Vouchers (Section 8), HUD Section 202 senior apartments, and USDA rural rental housing. Start with your local housing authority and HUD’s rental locator tools.
  • For home repairs and accessibility, seniors 62+ with very low income may qualify for USDA Section 504 home repair grants (up to $10,000) and low‑interest loans. Weatherization and energy assistance can lower heating bills and improve safety.
  • Montana’s property tax relief programs (PTAP, Disabled Veteran program, and the Elderly Homeowner/Renter Credit) can reduce your housing costs if you qualify.
  • If you’re facing eviction, contact Montana Legal Services and your Area Agency on Aging right away. You still have rights and options.
  • Tribal members should contact their Tribal Housing Authority and HUD’s Office of Native American Programs for housing and home repair help specific to their nation.
  • Programs change. Always confirm current status with the agency links in this guide before you apply.

How to Use This Guide

This guide is written for seniors in Montana looking for housing help—rent, utilities, repairs, accessibility, and property tax relief. We link directly to official state, federal, and well‑established nonprofit sources so you can take action safely.

Below is a quick map of common situations and the right first steps.

Quick Help: Where to Start

Your Situation First Step Why This Helps Official Link
I need a cheaper apartment Contact your local Housing Authority and search HUD/USDA listings Vouchers and subsidized units lower your rent based on income Find MT Public Housing Authorities, HUD Resource Locator, USDA Rural Rental Search
I own a home and need essential repairs Check USDA Section 504 and local Weatherization Grants/loans for seniors 62+ and free energy upgrades USDA Section 504 Repairs, Montana Weatherization
I can’t pay heat/electric Apply for LIEAP (LIHEAP) and call Energy Share of Montana Helps with heating bills and emergencies MT LIEAP – DPHHS Energy Assistance, Energy Share of Montana
I’m a veteran Talk to VA housing programs and apply for VA home modification grants Specialized help for vets, including accessibility VA Housing Assistance, VA Disability Housing Grants
I’m behind on rent or at risk of eviction Call 211, your Area Agency on Aging, and Montana Legal Services You may get legal help, mediation, and referrals Montana 211, Find MT AAAs, Montana Legal Services
I need help with property taxes or rent-equivalent tax Review PTAP, Disabled Veteran (MDV), and the Elderly Homeowner/Renter Credit Can reduce or refund part of housing costs MT Dept. of Revenue – Property Tax Assistance, Elderly Homeowner/Renter Credit

Note: Some statewide emergency rental assistance programs created during COVID are closed. For current openings, use the official links above and Montana 211.

Montana’s Housing Help Landscape: Who Does What

  • Montana Housing (Department of Commerce): Oversees statewide affordable housing efforts, tax credits, bond financing, and more. Start at: Montana Housing (Dept. of Commerce)
  • Public Housing Authorities (PHAs): Local agencies that run Housing Choice Vouchers (HCV/Section 8) and sometimes public housing. Contact list: HUD PHA Contacts – Montana
  • Department of Public Health & Human Services (DPHHS): Energy help (LIEAP), Weatherization, aging services, Medicaid waivers. Start here: DPHHS – Senior & Long Term Care and DPHHS – Energy Assistance
  • USDA Rural Development (RD): Home repair grants/loans for low‑income seniors, rural rental housing. State office: USDA RD Montana
  • HUD (U.S. Department of Housing and Urban Development): Vouchers, subsidized senior housing (Section 202), fair housing enforcement. State resources: HUD Montana – Renting
  • Area Agencies on Aging (AAAs)/ADRCs: Local navigation help for seniors. Start with DPHHS directory: Find Montana AAAs/ADRCs

Help with Rent and Finding Affordable Senior Housing

1) Housing Choice Voucher (Section 8)

What it is: A voucher that pays part of your rent directly to a private landlord. You usually pay a share based on your income; the voucher pays the rest up to a local limit.

  • Administered by local PHAs in Montana. Find yours: HUD PHA Contacts – Montana
  • Key realities:
    • Waitlists can be long or periodically closed. Check each PHA’s website for openings and preferences (for seniors, veterans, the homeless, etc.).
    • You will need IDs, proof of income, and sometimes preference documentation (e.g., disability verification).
    • With a voucher, you can rent from many landlords who accept Section 8 and pass inspection.

HUD overview: About Housing Choice Vouchers

2) Project‑Based and Senior‑Specific Apartments

  • Section 202 Supportive Housing for the Elderly: HUD‑funded properties designed for older adults, often with on‑site service coordination. Search by location and filters:
  • USDA Rural Rental Housing (including Section 515 with rental assistance): Many smaller Montana towns have USDA‑financed senior or family complexes with income‑based rent.
  • Tip: Call the property manager directly to ask about waitlist length, application steps, accessibility features, and whether they have service coordinators.

3) Public Housing

  • Some Montana PHAs operate public housing units. Rents are income‑based, and seniors often receive preference in certain properties.
  • Apply through your local PHA: PHA Contacts – Montana

Rent and Senior Housing Options at a Glance

Program What It Does Who Usually Qualifies How to Apply Official Info
Housing Choice Voucher (Section 8) Pays part of your rent to a private landlord Low‑income households; seniors often a priority if elderly/disabled preference exists Apply to local PHA; check for open waitlists HUD – HCV Overview, MT PHA Directory
HUD Section 202 Senior Housing Subsidized apartments for older adults; may include service coordination Seniors (generally 62+) with low income Apply directly at the property HUD Resource Locator
Public Housing Income‑based apartments owned by PHAs Low‑income; seniors may get priority in some buildings Apply to your PHA MT PHA Contacts
USDA Rural Rental Housing Income‑based rent in rural areas; some senior‑designated Low‑income renters in eligible rural areas Apply at each property USDA Rental Search

Reality check: Expect paperwork and waits. Put your name on multiple lists (PHA and properties). Keep your contact info updated or you can lose your place. Ask about “preferences” (e.g., age, disability, homelessness) that might move you up the list.

Short‑Term and Emergency Housing Help

  • Coordinated Entry (CE): One front door for shelters, transitional and permanent supportive housing. Enter through local providers or via 211/CoC contacts: Montana CoC Contacts
  • ESG‑funded services (Emergency Solutions Grants): Shelters, street outreach, and rapid rehousing run by nonprofits. Access through 211 or local providers.
  • Domestic violence shelters and rapid rehousing: Start with the statewide coalition: MCADSV – Find Help
  • For older adults exiting the hospital or a nursing facility without housing: Ask discharge planners to connect you to the Area Agency on Aging and Coordinated Entry right away: DPHHS Senior & Long Term Care

Home Repairs, Accessibility, and Staying in Your Home

1) USDA Section 504 Home Repair (Very Important for Seniors)

  • Grants up to 10,000forverylow‑incomehomeownersage62+toremovehealthandsafetyhazards.Loansupto10,000 for very low‑income homeowners age 62+ to remove health and safety hazards. Loans up to 40,000 at low interest; lifetime grant limit applies. You can combine for up to $50,000 total if eligible. See details and verify current limits:
  • Common uses: Fixing a failing roof, heating system, wiring issues, accessibility improvements like ramps or grab bars when tied to safety.
  • Tip: Get estimates ready. Ask USDA which repairs they prioritize (health/safety first).

2) Weatherization Assistance Program (WAP)

  • No‑cost energy upgrades for income‑eligible households: insulation, sealing, furnace repair or replacement, and safety checks. Lowers bills and improves comfort.
  • Delivered locally by community action agencies/HRDCs. Ask about WAP when you apply for LIEAP.

3) Energy Assistance (LIEAP/LIHEAP)

4) Medicaid Waivers and In‑Home Support

  • Montana’s Senior & Long Term Care programs may fund home modifications and in‑home help to keep you safely at home (varies by program and eligibility).
  • If you’re on Medicaid or think you may qualify, ask specifically about coverage for minor home modifications tied to your care plan.

5) Veterans’ Home Modification Grants

  • Specially Adapted Housing (SAH) and Special Housing Adaptation (SHA) grants for qualifying service‑connected disabilities (e.g., wheelchair ramps, bathroom modifications).
  • HISA grants (Home Improvements and Structural Alterations) can help with medically necessary changes for veterans using VA health care:

Home Repair and Accessibility Programs Summary

Program What It Covers Who Qualifies How to Apply Official Link
USDA Section 504 Essential repairs to remove health/safety hazards; accessibility; heating/electrical Very low‑income homeowners; grants for 62+ Contact USDA RD Montana; prepare estimates and proof of income/ownership USDA Section 504, USDA RD Montana
Weatherization (WAP) Insulation, sealing, heating system repair/replacement, safety checks Income‑eligible households (priority often for seniors) Apply via local agency; often linked with LIEAP MT WAP – DOE page
LIEAP (LIHEAP) Heating bill help; crisis assistance Income‑eligible homeowners or renters Apply with DPHHS/local partner Montana LIEAP
Medicaid HCBS Home mods tied to care needs; in‑home services Medicaid‑eligible seniors/disabled Through case manager/ADRC DPHHS – SLTC
VA SAH/SHA/HISA Accessibility and structural changes Eligible veterans with qualifying disabilities Through VA; include medical documentation VA Housing Grants, HISA

Reality check: Federal funds are limited and prioritized. Repairs must address health and safety first (e.g., heat, roof, wiring) before “nice to have” improvements.

Utility Bills, Water, and Internet

  • Heating/Electric: Apply for LIEAP early each season to avoid shutoff; ask your utility about budget billing and senior discounts. Start: DPHHS Energy Assistance
  • Energy emergencies: Energy Share of Montana
  • Water bills: Some city utilities have hardship programs—call your city utility department or dial 211.
  • Phone/Internet:
    • Lifeline provides a monthly phone or broadband discount: Lifeline Support (USAC)
    • Affordable Connectivity Program (ACP) funding has been suspended without new enrollments; check current status before applying: FCC ACP

Tip: If you use medical devices at home (oxygen, CPAP, etc.), tell your utility. They may flag your account for medical protections during shutoff seasons.

Property Tax and Rent‑Equivalent Tax Relief

Montana offers several programs that can lower housing costs for eligible homeowners and renters.

Program What It Does Who It Helps Where to Learn More
Property Tax Assistance Program (PTAP) Reduces property taxes on your primary home based on income Homeowners with low income MT Dept. of Revenue – PTAP
Disabled Veteran (MDV) Assistance Reduces property tax for qualifying disabled veterans or surviving spouses Disabled veterans/surviving spouses MDV Program – MT Revenue
Elderly Homeowner/Renter Credit (2EC) State income tax credit based on property tax or “rent‑equivalent tax” paid Montana residents age 62+ with qualifying income Elderly Homeowner/Renter Credit – MT Revenue

Notes:

  • Program names and income limits can change. Use the Department of Revenue pages above for current forms, deadlines, and instructions.
  • Keep your tax bills or rent receipts. You’ll need them to claim credits or reduced rates.

Foreclosure Prevention and Reverse Mortgages

  • If you’re behind on a mortgage, contact a HUD‑approved housing counselor right away. They can help with loan workouts and avoiding scams.
  • Reverse Mortgages (HECM): A federally insured loan for homeowners 62+ to tap home equity. Requires counseling and careful review.
  • Reality check: Reverse mortgages and foreclosure “rescue” offers can be risky. Do not sign with pressure sales tactics. Verify with HUD‑approved counselors and Montana’s Office of Consumer Protection: MT DOJ – Consumer Protection

Fair Housing, Tenant Rights, and Legal Help

  • Fair Housing: It’s illegal to be discriminated against in housing based on race, color, national origin, religion, sex (including sexual orientation and gender identity), familial status, or disability. Seniors with disabilities have the right to reasonable accommodations and modifications.
  • Landlord‑Tenant Issues: Leases, repairs, deposits, and evictions are governed by Montana law. For guides and legal help:
  • Tip: If you receive an eviction notice, act quickly. Deadlines are short. Call MLSA and your AAA the same day.

Who Qualifies and What to Gather

Most housing programs look at:

  • Income (proof such as Social Security, pensions, wages)
  • Household size and disability status
  • Age (many senior programs require 62+)
  • Montana residency and identity
  • Housing need (e.g., unsafe conditions, homelessness risk)

Have ready:

  • Photo ID, Social Security card
  • Proof of income (award letters, bank statements)
  • Recent utility bills or lease/mortgage statements
  • Property tax bill or rent receipts (for tax credits)
  • Medical/disability documentation if applying for accommodations or VA/Medicaid help

Tip: Keep copies in a folder. Ask for a receipt when you submit applications. Re‑contact agencies if you change phone number or address.

Special Focus: Inclusive Resources

LGBTQ+ Seniors

  • Housing discrimination based on sexual orientation or gender identity is prohibited under HUD’s interpretation of “sex.” If you face discrimination, report it.
  • National support and navigation:
    • SAGE National LGBTQ+ Elder Hotline: 877‑360‑LGBT (5428) and resources: SAGE USA

Veteran Seniors

  • For rent help and housing stability, ask about HUD‑VASH (voucher + VA case management) and Supportive Services for Veteran Families (SSVF).
  • For home modifications, see the VA SAH/SHA/HISA grants above.

Seniors with Disabilities

  • Ask for reasonable accommodations from landlords (e.g., a reserved accessible parking spot or allowing a service animal).
  • For accessibility changes at home, review Medicaid HCBS options and VA HISA (if a veteran).
  • Disability rights help: Montana Fair Housing and legal aid via MLSA

Tribal‑Specific Resources

  • Many Montana tribes operate Tribal Housing Authorities and use HUD’s Indian Housing Block Grants and other programs. Get on your tribe’s housing waitlists and ask about home repair help and rental assistance.
  • Some tribes also operate Weatherization and LIHEAP services. Your tribal office can connect you.

Rural Seniors and Limited Internet Access

  • Apply by phone or mail when online forms are hard to use. Ask agencies to mail paper applications.
  • Use local libraries, senior centers, and Area Agencies on Aging for help with printing and scanning.
  • USDA RD and local HRDCs serve rural areas extensively. Call the state office to find your local contact: USDA RD Montana and Montana Community Action/HRDCs

Resources by Region (Selected Contacts)

Note: Always check each site for current office hours and application methods.

Area Housing Authority / City Resource Aging & Navigation Additional Local Help
Billings Housing Authority of Billings Yellowstone County – via DPHHS SLTC Montana 211 – Billings area
Missoula Missoula Housing Authority Missoula Aging Services Montana 211 – Western MT
Great Falls Great Falls Housing Authority Cascade County Aging – via DPHHS SLTC Montana 211
Bozeman Bozeman Housing Authority Gallatin County – via DPHHS SLTC HRDC Bozeman
Butte Butte Housing Authority Butte‑Silver Bow Aging – via DPHHS SLTC Montana 211
Helena Helena Housing Lewis & Clark County Aging – via DPHHS SLTC Montana 211
Statewide HUD PHA Directory – MT Find Montana AAAs/ADRCs USDA RD Montana

If your town isn’t listed, use HUD’s directory to find your nearest PHA and Montana 211 to locate local nonprofits.

How to Strengthen Your Application

  • Apply to multiple options: a PHA voucher list, several HUD/USDA senior properties, and local nonprofit lists.
  • Ask about preferences: Seniors, people with disabilities, veterans, and those experiencing homelessness may receive priority in some programs.
  • Keep documents handy: ID, Social Security award letter, pension/retirement statement, medical documentation if relevant.
  • Follow up monthly: A quick call or email can confirm your status and keep your contact info current.
  • Beware of fees: Application fees for public programs are rare. If someone asks you to pay to “guarantee” a voucher or faster service, it’s likely a scam.

Frequently Asked Questions (FAQs)

Q: Are there any statewide rental assistance programs still open in 2025?
A: Pandemic‑era emergency rental programs have ended or paused. For current openings, check your local PHA’s voucher/public housing waitlists, apply to HUD‑subsidized and USDA rural rentals, and call Montana 211 for any county‑level funds that come and go.

Q: I’m a homeowner age 70 with a failing furnace. What should I try first?
A: Apply for LIEAP (LIHEAP) to address the heating emergency and ask about crisis funds. Also apply for Weatherization. If you meet income limits, apply for USDA Section 504, which can fund essential safety repairs. See: LIEAP, Weatherization, USDA 504.

Q: How much will I pay with a Housing Choice Voucher?
A: Generally, your share is based on your adjusted income, and the program pays the rest up to a local limit. Exact amounts depend on your income, family size, and the unit’s approved rent. Learn more: HUD HCV Overview.

Q: How long are the waitlists?
A: It varies by location and program. Some lists open only for a short time and use a lottery. Check each PHA and property regularly, and get on multiple lists to improve your chances.

Q: Can I get help with accessibility modifications like a ramp or bathroom changes?
A: Yes. Options include USDA 504 (for safety‑related work), Medicaid HCBS waivers (if you’re Medicaid‑eligible), and VA grants for veterans (SAH/SHA/HISA). Landlords must also allow reasonable modifications for tenants with disabilities (you may need to pay for the change unless another program helps).

Q: I’m a renter. Can I still get help with my heating bill and weatherization?
A: Yes. Renters can apply for LIEAP and Weatherization. The landlord may need to sign off on certain improvements, but programs handle this routinely.

Q: Are there special housing options just for seniors?
A: Yes. Search for HUD Section 202 properties (senior‑specific) and other subsidized apartments using HUD’s Resource Locator, and call your PHA about any senior‑designated buildings. Links: HUD Resource Locator, PHA Directory.

Q: I think I was treated unfairly due to my age or disability. What should I do?
A: Document what happened and contact Montana Fair Housing or HUD to file a complaint. Links: Montana Fair Housing, HUD Complaint Portal.

Q: Is there help with property taxes for low‑income seniors?
A: Yes. Review PTAP and the Elderly Homeowner/Renter Credit. Details and current income limits are on the Department of Revenue site: MT Dept. of Revenue – Assistance Programs.

Resource Links (Official and Established)

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 seniors find resources that can make a real difference in their daily lives.

Disclaimer

This guide is for general information only. Program rules, funding levels, and eligibility can change. Always confirm details with the agency or program before applying. We do not process applications or make eligibility decisions.

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About the Authors

Analic Mata-Murray

Analic Mata-Murray

Managing Editor

Analic Mata-Murray holds a Communications degree with a focus on Journalism and Advertising from Universidad Católica Andrés Bello. With over 11 years of experience as a volunteer translator for The Salvation Army, she has helped Spanish-speaking communities access critical resources and navigate poverty alleviation programs.

As Managing Editor at Grants for Seniors, Analic oversees all content to ensure accuracy and accessibility. Her bilingual expertise allows her to create and review content in both English and Spanish, specializing in community resources, housing assistance, and emergency aid programs.

Yolanda Taylor

Yolanda Taylor, BA Psychology

Senior Healthcare Editor

Yolanda Taylor is a Senior Healthcare Editor with over six years of clinical experience as a medical assistant in diverse healthcare settings, including OB/GYN, family medicine, and specialty clinics. She is currently pursuing her Bachelor's degree in Psychology at California State University, Sacramento.

At Grants for Seniors, Yolanda oversees healthcare-related content, ensuring medical accuracy and accessibility. Her clinical background allows her to translate complex medical terminology into clear guidance for seniors navigating Medicare, Medicaid, and dental care options. She is bilingual in Spanish and English and holds Lay Counselor certification and CPR/BLS certification.