What is public housing?

Public housing is rental housing that is directly owned and operated by a Public Housing Authority. The PHA, a government agency, builds, maintains, and manages the properties using federal funding. This is distinct from other low-income housing programs such as Section 8 vouchers (which subsidize private landlords) or Low-Income Housing Tax Credits (which support private developers).

In Texas, PHAs operate housing complexes in major cities and rural areas. Residents pay rent based on 30 percent of their adjusted gross income, with the federal government covering the remaining costs through operating subsidies. Eligibility is tied to income limits set by the Department of Housing and Urban Development (HUD), typically for households at or below 80 percent of the area median income.

Public housing serves as a foundational safety net for families, seniors, and persons with disabilities. Unlike market-rate rentals, it provides stable, affordable housing with lease protections and maintenance standards. The properties remain in the public trust and do not generate profit for private investors.

To find public housing options in your area, contact your local Public Housing Authority to apply for a waiting list.