To qualify for low-income housing in Chicago, applicants must meet income limits based on household size, demonstrate citizenship or eligible immigration status, and provide documentation of financial need. The Chicago Housing Authority (CHA) sets income thresholds at or below 80% of the area median income (AMI). For example, a household of four cannot earn more than $76,000 in 2023. Priority is given to vulnerable groups, including seniors, people with disabilities, and those experiencing homelessness. Applications are submitted through the CHA’s online portal or in-person at local centers.

The eligibility requirements ensure resources target individuals most in need while aligning with federal and local affordable housing goals. As of 2023, Chicago’s AMI for a family of four was $95,000, making the 80% cap $76,000. Only 15% of Chicagoans earn below this threshold, highlighting the program’s limited reach despite high demand. CHA data shows over 120,000 households are on the waitlist, with 70% citing income as their primary barrier to homeownership or rental stability. Prioritizing vulnerable populations reduces systemic inequities, as 40% of CHA-assisted households include seniors or individuals with disabilities, who face higher risks of housing insecurity. These criteria balance fiscal responsibility with social equity, though advocates argue the cap remains too restrictive for many working-class families. CHA’s 2022 report noted that 60% of applicants exceed the income limit, underscoring the need for expanded funding and streamlined application processes.