Since the start of the recession many families have had to make major adjustments in lifestyle, including finding new places to live.  For those struggling, low income housing programs have been the savior of millions of American families.

Low income housing properties are defined as apartments or houses that are a part of some kind of affordable housing initiative, usually sponsored by the federal government, the state, the city, or a non-profit organization. These properties offer either an income-based rental rate or a flat rental rate designed to be affordable for needy individuals and families.

According to a June 2012 study released by Nationwide the following are 5 of the best federal housing programs available.  For information on these programs, please follow the links provided. For information on local programs, check our Resource Directory.

1) HUD Office of Affordable Housing (OAP) This government agency brings federal resources directly to the state and local level for use in the development of affordable housing units, or to assist income-eligible households in purchasing, rehabilitating, or renting safe and decent housing.

2) Making Home Affordable ® Program (MHA) This program, sponsored by the Obama Administration, is a comprehensive plan to stabilize the U.S. housing market by helping homeowners get mortgage relief and avoid foreclosure.

3) PublicHousing.com This web site provides a listing of public housing properties across the country, and other types of housing deals. The vast majority of their listings are affordable housing bargains.

4) Affordable Housing Institute This non-profit organization provides housing finance expertise and thought leadership to other organizations working to make housing accessible to low-income people.

5) Low Income Housing Authority This organization produces a free online national resource that is dedicated to helping individuals and families find low income housing, apartments, shelters, and more. The web site also provides answers to frequently asked questions.