Finding affordable housing in Bloomington and Monroe County can be difficult for someone with a low income. Even when you can afford the rent, you may not meet the landlord’s income requirements. Landlords often have an income requirement to ensure the renter has enough money to pay for rent, utilities, and other bills.
If the landlord is not willing to make an exception to their income requirement, do not apply for the apartment or pay an application fee.
Some things to try if you don’t meet the landlord’s income requirements:
Make sure to count all sources of income. What income counts?
Add up your income from all sources – including child support, and public assistance (welfare, food stamps, etc.) to see if you meet the landlord’s income requirement.
Demonstrate to the landlord that you can afford the rent
Ask the landlord if they would make an exception to the income requirement because you manage your money well and can comfortably make the rent payments.
- Explain to the landlord that paying rent is your highest financial priority each month.
- Show the landlord the bills and commitments you currently have.
- Show how you spend your money wisely so you can afford the rent for the apartment.
Get on a waiting list for subsidized housing
Contact the Bloomington Housing Authority to learn how to get on the waitlist for public housing or Housing Choice Vouchers. Those who live in subsidized housing usually pay 30 to 40 percent of their income for rent. South Central Indiana Community Action Program http://www.insccap.org/ (SCCAP) also administers 352 Housing Choice Vouchers in their four-county service area.
Photo credit: Chris Benson/Unsplash
