Housing Assistance for Seniors in Texas

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

If you are at risk of homelessness, in an unsafe home, or facing eviction in the next 14 days, start here:

Tip: Document everything. Keep notices, letters, and proof of income or disability handy. Ask for “reasonable accommodations” if you need extra time or a different process due to disability.

Key Takeaways

  • Texas offers multiple housing supports for seniors, but programs are run by different agencies. Start with TDHCA’s “Help for Texans” to find local providers: Help for Texans
  • Rent help often comes from Housing Choice Vouchers (Section 8), public housing, and tenant-based rental assistance—but waitlists can be long and often closed. Check local housing authority pages and set alerts.
  • Homeowners 65+ may lower costs with homestead exemptions, “over‑65” tax exemptions, installment plans, and property tax deferral—learn more at the Texas Comptroller: Property Tax Exemptions
  • Critical home repairs and accessibility (ramps, grab bars) can be funded by federal USDA 504 grants/loans, TDHCA programs (e.g., HOME and Amy Young Barrier Removal), local city/county programs, and nonprofits like Texas Ramp Project and Habitat for Humanity.
  • Most pandemic-era statewide rent and mortgage programs are closed to new applications. Always check official pages for current status.
  • If you have a disability, are a veteran, LGBTQ+, a tribal member, or live in rural Texas, specialized resources exist—see the dedicated sections below for tailored help.

What This Guide Covers

  • How to find and apply for rent help (vouchers, public housing, Section 811)
  • How to get home repairs and accessibility modifications paid for
  • How to cut housing costs with property tax relief
  • Where to get legal help and mediation if you face eviction
  • Special sections for veterans, LGBTQ+ seniors, disabled and tribal elders, and rural households
  • Regional links for the major metro areas
  • How to avoid scams, gather documents, and increase your chances of approval

Programs at a Glance

Use this table to see which programs fit your situation, then read details below.

Program/Resource What it does Who it helps Where to apply / learn more
Housing Choice Voucher (Section 8) Pays part of your rent to a private landlord Very low-income renters; long waitlists Find your local housing authority (HUD)
Public Housing Discounted rent in public housing units Very low-income renters Texas PHA directory (HUD)
TDHCA HOME Program (TBRA/HRA) Rental assistance and homeowner rehab via local providers Low-income renters/homeowners TDHCA Help for Texans
TDHCA Section 811 PRA Rental assistance linked to services for people with disabilities at risk of homelessness or institutionalization Seniors with qualifying disabilities TDHCA Section 811 PRA
USDA 504 Home Repair Grants/loans to repair, remove hazards Very low-income rural homeowners; grants for 62+ USDA 504 in Texas
Amy Young Barrier Removal (TDHCA) Accessibility modifications (ramps, bathrooms) Texans with disabilities (many seniors qualify) AYBR Program
Weatherization (WAP) Lowers energy bills via insulation, AC tune-ups, etc. Low-income households TDHCA WAP
CEAP (Utility Bill Help) Pays part of electric/gas bills, crisis help Low-income households TDHCA CEAP
Property Tax Relief (65+) Exemptions, ceilings, deferral options Homeowners 65+ Texas Comptroller: Exemptions
Veterans Land Board Loans Home purchase and home improvement loans Texas veterans Texas VLB
HUD 202 Senior Housing Affordable apartments with supportive services Very low-income seniors HUD Resource Locator

How to Get Rent Help in Texas

Housing Choice Voucher (Section 8)

  • What it is: A subsidy that pays part of your rent to a private landlord. You pay the rest, usually around 30% of your adjusted income.
  • Who runs it: Mostly local Public Housing Authorities (PHAs). TDHCA also administers vouchers in some areas.
  • Reality check: Waitlists are often closed or can take years. Apply to multiple PHAs if possible.

How to apply:

  1. Find PHAs near you and check waitlist status: HUD PHA Contacts for Texas
  2. When a list opens, submit quickly and completely. Ask for reasonable accommodation if you need help due to disability.
  3. Watch your mail/email. If you miss a follow-up, you may be removed from the list.

Helpful links:

Public Housing

  • What it is: Apartments or homes owned by housing authorities with income-based rent.
  • Pros: Often lower rent and on-site management.
  • Cons: Limited units; waitlists can be long.

Where to apply:

TDHCA HOME Program: TBRA (Rental Help) and HRA (Homeowner Rehab)

  • What it is: TDHCA funds local nonprofits and cities to provide Tenant‑Based Rental Assistance (TBRA) and Homeowner Rehabilitation Assistance (HRA).
  • Why it matters: These local programs can be faster than federal vouchers and may have shorter lists.
  • How to find: Use TDHCA’s statewide tool and filter by your county: Help for Texans tool

Section 811 Project Rental Assistance (PRA)

  • What it is: Rental help connected to supportive services for people with disabilities exiting or at risk of institutions or homelessness.
  • Who may qualify: Seniors with qualifying disabilities (physical, mental, or developmental) who meet income rules.
  • Apply/learn more: TDHCA Section 811 PRA

Pandemic-Era Programs (Status)

  • Texas Rent Relief (TRR): As of 2024, TRR was closed to new applications. Check status updates: Texas Rent Relief
  • Eviction Diversion: Statewide TEDP ended with the pandemic-era court orders. Many local courts still offer mediation—ask your justice court or see TexasLawHelp Eviction Resources.

Finding Affordable Senior Apartments

  • HUD 202 Supportive Housing for the Elderly: Subsidized senior apartments with service coordination. Search by map: HUD Resource Locator
  • LIHTC (Tax Credit) Apartments: Rents are below market in many properties. Use TDHCA’s affordable rental search: Help for Texans: Find Affordable Rentals
  • Tip: When calling properties, ask specifically about “HUD 202” or “Tax Credit” units, senior preference, and the current wait time.

Home Repairs, Accessibility, and Energy Savings

Quick Comparison: Home Repair & Accessibility Programs

Program What it covers Age/Income Where to apply
USDA Section 504 Fixes health/safety hazards; accessibility; grants for 62+ Very low-income rural homeowners USDA 504 Texas
Amy Young Barrier Removal (TDHCA) Ramps, roll-in showers, door widening, grab bars Texans with disabilities; income limits AYBR info
TDHCA HOME (HRA) Major repairs/rehab (roof, systems) via local providers Low-income homeowners Help for Texans
Weatherization (WAP) Insulation, air sealing, AC/heater tune-ups Low-income households TDHCA WAP
Texas Ramp Project Free/low-cost ramps built by volunteers Mobility‑limited Texans Texas Ramp Project
Habitat for Humanity (local) Critical repairs, accessibility, new builds (varies) Income‑eligible Find TX affiliates

Reality check and tips:

  • Many programs are delivered by local partners and open/close based on funding. If one agency says “waitlist,” call another nearby provider.
  • For USDA 504, grants are only for 62+ homeowners who cannot repay a loan. If you are under 62, loans at a low interest may still help.
  • Always ask whether the program requires the property to be your primary residence and if taxes/insurance must be current.

Utility Help (to keep housing stable)

  • CEAP (Utility Bill Help): Emergency payments, past‑due bills, and crisis assistance. Apply with your local provider via TDHCA: CEAP overview and providers
  • Weatherization (WAP): Long‑term savings by making your home more energy efficient: WAP details

Pro tip: If you have a medical need for cooling or heating equipment, ask your doctor for documentation and request a “medical critical care” flag with your utility provider.

Property Tax Relief for Homeowners 65+

Texas offers strong property tax relief for senior homeowners. These savings can help you stay housed.

Relief Type What it does Who qualifies Where to learn/apply
Homestead Exemption Reduces taxable value of your primary home Homeowners with a principal residence Residence Homestead Exemption
Over‑65 Exemption Additional school district exemption and tax “ceiling” Homeowners age 65+ Over‑65 and Disabled Exemptions
Installment Plans Pay taxes in installments, including for over‑65 Homeowners with homestead Property Tax Payments
Tax Deferral (65+) Delay paying taxes until you sell or estate settles (interest accrues) 65+ or disabled homeowners Tax Deferral for 65+

Important: A tax deferral is not forgiveness—interest accrues. Speak with your appraisal district before filing, and consider how it affects heirs.

Reverse Mortgages (HECM)

  • What it is: A loan for homeowners 62+ that turns home equity into cash. You keep the title and do not make monthly payments, but you must pay taxes, insurance, and maintain the home. The loan comes due when you sell, move out, or pass away.
  • Counseling required: HUD‑approved counseling is mandatory.
  • Learn more from official sources:

Reality check: Reverse mortgages can help with cash flow, but costs and interest add up over time. Compare with property tax relief and repair grants before deciding.

Legal Help and Eviction Defense

Tip: If you receive a “Notice to Vacate,” deadlines are short. Call legal aid immediately and attend all hearings. Ask about mediation and rental assistance screening.

Special Focus: Different Paths for Different Seniors

Seniors with Disabilities

Veteran Seniors

LGBTQ+ Seniors

Tribal and Native Seniors in Texas

Texas has federally recognized tribes with their own housing authorities. Contact your tribe’s housing office or HUD ONAP for programs funded by NAHASDA.

  • Alabama‑Coushatta Tribe of Texas: Official site
  • Kickapoo Traditional Tribe of Texas: Official site
  • Ysleta del Sur Pueblo (Tigua): Official site
  • HUD Office of Native American Programs: ONAP Overview — contact the regional office serving Texas for help finding tribal housing contacts.

Rural Seniors and Limited Access Areas

  • USDA 504 grants for 62+ rural homeowners: USDA 504 in Texas
  • TDHCA vouchers and HOME programs often serve rural counties: Help for Texans
  • If transportation is a barrier, ask for phone/online intake or outreach days with your local Community Action Agency. 2‑1‑1 can connect you.

Step‑by‑Step: Applying and Improving Your Odds

  1. Gather documents:
    • Photo ID; Social Security cards for household (if available)
    • Proof of income (Social Security, pensions, work), last 2–3 months
    • Bank statements (last 2–3 months)
    • Lease or deed, property tax bill, mortgage statement (if owner)
    • Utility bills (for CEAP/WAP)
    • Disability letters (SSI/SSDI or doctor’s note) if seeking accommodations
  2. Check eligibility and openings:
  3. Apply to multiple programs:
    • Example: A rural homeowner might apply for USDA 504 and AYBR at the same time.
  4. Ask for help:
    • Call your Area Agency on Aging to assign a benefits counselor: Find your AAA
  5. Follow up:
    • Put deadlines on your calendar. If you move or change phones, update agencies immediately.
  6. Keep copies:
    • Save submitted forms and receipts. If denied, you may appeal or reapply later.

Common Scenarios and Real‑World Tips

  • Fixed income, rent going up: Apply for vouchers/public housing and LIHTC properties; ask your landlord for a rent “reasonable accommodation” meeting if you have a disability that limits moving quickly.
  • Leaky roof or unsafe steps: Start with USDA 504 (if rural) and TDHCA HOME/AYBR; if emergency, call your city/county housing department and ask about “Urgent Repair” programs.
  • Property taxes too high: File for homestead and over‑65 exemptions; ask for an installment plan; if needed, consider a tax deferral after reviewing long‑term costs.
  • Heat emergency and high bills: Apply for CEAP crisis assistance; request a welfare check from local authorities if you or a neighbor are in danger due to heat.

Regional Resources (Major Metros and Areas)

Note: Availability changes. Always call or check websites.

Houston / Harris County

Dallas / Dallas County

Fort Worth / Tarrant County

San Antonio / Bexar County

Austin / Travis County

El Paso / El Paso County

Rio Grande Valley (Hidalgo/Cameron)

Central Texas (Waco, Temple/Killeen)

West Texas (Lubbock, Amarillo)

Renters: Your Options and Trade‑offs

Option Pros Cons Where to start
Section 8 Voucher Choose your own unit; strong protection Long waitlists; unit must pass inspection PHA contacts
Public Housing Lower rent; onsite management Limited locations; waitlists PHA directory
LIHTC Apartments Below-market rents; often newer Rents still vary; income checks Help for Texans rentals
TBRA (Local) Can be faster than voucher Not statewide; funding cycles Help for Texans

Reality check: Many lists are closed. Set calendar reminders to check openings monthly and sign up for email notifications if available.

Homeowners: Choosing the Right Help

Need Best first step Alternatives Notes
Critical repair (roof, electrical) USDA 504 (rural) + TDHCA HOME City urgent repair; Habitat Ask if emergency funds exist
Accessibility (ramps, bath) Amy Young Barrier Removal Texas Ramp Project; VA if veteran Get a simple doctor’s note
High taxes Homestead + Over‑65 exemptions Installment plan; deferral (65+) Review impact on heirs
High energy bills Weatherization (WAP) CEAP crisis help Can also improve comfort

Beware of Scams

Frequently Asked Questions (FAQs)

Q: Are there still statewide COVID rent programs in Texas?
A: The Texas Rent Relief program closed to new applications after the pandemic emergency period. Check the official site for any new updates: Texas Rent Relief. Local city/county programs may open temporarily—check Help for Texans and your city housing page.

Q: How do I find a senior‑only affordable apartment?
A: Use the HUD Resource Locator and filter for senior housing, and search TDHCA’s affordable property listings via Help for Texans. Call and ask for “HUD 202” or “tax credit senior” units.

Q: I’m 70 and live in a rural county. My porch steps are unsafe. Who can help?
A: Start with USDA Section 504 for repairs. If mobility is an issue, apply for Amy Young Barrier Removal and contact the Texas Ramp Project.

Q: My Social Security is my only income and the landlord raised rent. What now?
A: Apply to your PHA for a voucher/public housing (PHA directory). Also apply to LIHTC properties and any local TBRA program via Help for Texans. Ask legal aid about options if you received a Notice to Vacate.

Q: Can I stop paying property taxes after age 65?
A: Not automatically. You may qualify for exemptions and can apply for a tax deferral that postpones payment but adds interest. See the Texas Comptroller’s exemptions page and talk with your appraisal district.

Q: Do I have to sell my home to get a reverse mortgage?
A: No. A HECM is a loan secured by your home. You keep title, but you must pay taxes, insurance, HOA dues, and maintain the home. Learn about HECMs from HUD: HECM overview.

Q: Where can I get help filling out forms?
A: Contact your Area Agency on Aging for benefits counseling: Find your AAA. Many libraries and senior centers can also help.

Resource Directory (Official Sources)

Disclaimer

Program funding, rules, and availability change. Waitlists open and close. Always verify details with the official agency or program before applying or making decisions. This guide is informational and 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: January 2026
  • Sources Verified: January 2026
  • Next Review: April 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.

Share this post:
Share on Pinterest Share on WhatsApp
Check Assistance Programs and Benefits for Seniors in Your State
Alabama Montana
Alaska Nebraska
Arizona Nevada
Arkansas New Hampshire
California New Jersey
Colorado New Mexico
Connecticut New York
Delaware North Carolina
Florida North Dakota
Georgia Ohio
Hawaii Oklahoma
Idaho Oregon
Illinois Pennsylvania
Indiana Rhode Island
Iowa South Carolina
Kansas South Dakota
Kentucky Tennessee
Louisiana Texas
Maine Utah
Maryland Vermont
Massachusetts Virginia
Michigan Washington
Minnesota West Virginia
Mississippi Wisconsin
Missouri Wyoming

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.