Finding low income senior housing in Utah can feel overwhelming when you consider that more than two-thirds of Americans over 65 will need some form of long-term care. In Utah alone, this affects over 380,000 residents who may struggle to secure affordable housing options.

Despite Utah having one of the lowest poverty rates in the country, many older residents still lack the financial stability to pay for senior care. For example, the monthly income limit for a single applicant to qualify for Medicaid in Utah is just $1,133, with an asset limit of $2,000. Fortunately, we’ve researched numerous programs that provide low income senior housing in Utah County and throughout the state, many with no waiting list or minimal requirements.

I’ve put together this comprehensive guide covering everything from the Aging Waiver program (which provides homemaker assistance and home-delivered meals) to low-income assisted living options in Utah. Whether you’re looking for yourself or helping a loved one, these 17 free and affordable housing solutions can help seniors maintain their independence while receiving the care they need.

Medicaid Long-Term Care Program

Utah’s Medicaid Long-Term Care Program serves as a crucial lifeline for seniors needing affordable housing and care options. This program helps eligible seniors receive care in nursing facilities or, in some cases, their own homes through specialized waivers.

Medicaid Long-Term Care Program eligibility

To qualify for Medicaid long-term care in Utah, applicants must meet both financial and medical criteria. Seniors must be 65 or older and require nursing home level of care. The financial requirements include:

• Single applicants: asset limit of $2,000 in countable assets
• Married couples (both applying): combined asset limit of $4,000
• Married couples (one applying): $2,000 for applicant spouse and $157,920 for non-applicant spouse

Unlike other programs, there’s no strict income limit for nursing home Medicaid. However, beneficiaries must contribute most of their income toward care costs, keeping only a $45 monthly personal needs allowance.

Medicaid Long-Term Care Program benefits

The program offers comprehensive long-term care services across three categories:

1. Institutional/Nursing Home Medicaid – Provides care exclusively in nursing facilities
2. Medicaid Waivers/Home and Community Based Services – Offers care at home, in adult day care, or assisted living facilities
3. Regular Medicaid/Aged, Blind or Disabled – Covers various long-term care services including personal care assistance

Benefits include personal care assistance, homemaker services, medication management, specialized medical equipment, and transportation. Furthermore, the program can cover environmental modifications that help seniors remain safely at home.

How to apply for Medicaid Long-Term Care Program

Applying involves several key steps:

1. Determine which Medicaid program best fits your needs
2. Verify your financial and functional eligibility
3. Gather necessary documentation (tax forms, Social Security benefits letters, bank statements)
4. Complete both the Medical Application and Long Term Care Addendum forms
5. Submit your application online through myCase, download and mail the forms, or apply in person at your local Department of Workforce Services office

Processing typically takes 60-90 days if all documentation is complete. For assistance, contact DWS at 866-435-7414 or consult your local Area Agency on Aging office.

New Choices Waiver

The New Choices Waiver stands out as an excellent transition option for seniors currently residing in long-term care facilities who wish to move to more independent living arrangements. This program helps individuals transition from institutional settings back into community-based environments while maintaining necessary support services.

New Choices Waiver eligibility

To qualify for the New Choices Waiver program, applicants must meet several specific criteria:

• Be at least 18 years old (seniors 65+ are eligible)
• Require nursing facility level of care
• Meet Utah Medicaid financial eligibility requirements
• Currently reside in one of these settings:
  • A Medicaid-funded nursing facility for at least 90 days
  • An assisted living facility for at least 365 days
  • A small health care (Type N) facility for at least 365 days

Financial eligibility in 2025 includes an income limit of $2,901 monthly for individuals and an asset limit of $2,000. Moreover, married couples with only one spouse applying may benefit from spousal allowances, with the non-applicant spouse potentially keeping up to $157,920 in assets.

New Choices Waiver benefits

The program offers an extensive range of supportive services based on individual assessment:

• Home-Based Services: Homemaker services, chore services, personal attendant care, and adult companion services
• Safety Services: Emergency response systems, medication reminder systems, and environmental accessibility adaptations
• Support Services: Case management, adult day health services, home-delivered meals, and non-medical transportation

Additionally, the program includes specialized medical equipment, respite care, and personal budget assistance. Notably, participants can choose where they want to live—they aren’t required to stay in assisted living facilities.

How to apply for New Choices Waiver

The application process involves several steps:

1. Confirm eligibility based on current living situation and length of stay
2. Submit an online application through UtahID (recommended for fastest processing)
3. Alternatively, request a paper application by calling 800-662-9651, option 6

Applications for nursing home residents can be submitted after 60 days of residency. The approval process typically takes up to 3 months to complete. For additional information or assistance, email [email protected] or use the telephone number above.

Aging Waiver Program

The Aging Waiver Program empowers seniors to remain in their homes rather than moving to institutional settings. This vital program provides supportive services that enable elderly Utah residents to maintain independence while receiving necessary care in familiar surroundings.

Aging Waiver Program eligibility

To qualify for the Aging Waiver Program, applicants must meet specific criteria:

• Be 65 years of age or older
• Require nursing facility level care as determined by assessment[133]
• Meet Medicaid financial eligibility requirements[133]

Financial qualifications in 2025 include an income limit of $1,305 per month for single applicants. The asset limit stands at $2,000 for individuals. For married couples with one spouse applying, the non-applicant spouse may keep up to $157,920 in assets through the Community Spouse Resource Allowance.

Aging Waiver Program benefits

The program offers a comprehensive range of services based on individual assessment:

• Personal Care Services: Homemaker services, personal attendant services, adult companion services
• Home Support: Chore services, environmental accessibility adaptations, home-delivered meals
• Safety Systems: Emergency response systems, medication reminder systems
• Health Support: Supportive maintenance home health aide, specialized medical equipment
• Community Support: Adult day health services, non-medical transportation, respite care

Particularly noteworthy, the program allows for consumer direction of personal care services, enabling participants to hire friends and relatives—even spouses in some cases—to provide assistance. A fiscal management service handles the financial aspects of employment while participants maintain control over their care[121].

How to apply for Aging Waiver Program

The application process begins by contacting your local Area Agency on Aging office. Subsequently, a case manager will:

1. Conduct an initial screening to determine potential eligibility
2. Complete a formal assessment using the InterRAI MINIMUM DATA SET tool
3. Verify financial eligibility through Medicaid

Since this is not an entitlement program, eligible applicants may be placed on a waiting list. The program serves a limited number of individuals statewide—approximately 550 beneficiaries per year. Processing time typically takes up to 3 months from application submission to determination.

For assistance or to start the application process, call your local Area Agency on Aging or specific county contacts such as 435-713-1467 for the Bear River area.

Physical Disabilities Waiver

For seniors with physical disabilities, maintaining independence at home often requires specialized support. The Physical Disabilities Waiver specifically addresses these challenges by providing essential services that facilitate autonomous living in community settings rather than institutions.

Physical Disabilities Waiver eligibility

To qualify for this waiver, applicants must meet several specific requirements:

• Be 18 years of age or older
• Have a physician-certified physical disability
• Experience functional loss of two or more limbs
• Require at least 14 hours weekly of personal assistance
• Need nursing facility level of care
• Meet Medicaid financial eligibility requirements (asset limit of $2,000 for individuals and $3,000 for couples in 2023)

Additionally, applicants must demonstrate ability to select, supervise, and train their attendants, plus manage their own financial and legal matters. This self-direction component distinguishes this waiver from others, as it emphasizes participant autonomy.

Physical Disabilities Waiver benefits

The waiver offers several key services focused on maintaining independence:

• Financial Management Services – Helps participants manage waiver funds and handle payroll, tax withholding, and administrative tasks
• Personal Assistance Services – Supports activities of daily living including bathing, dressing, eating, medication management, and housekeeping
• Personal Emergency Response System – Provides electronic devices connected to 24-hour response centers for emergency situations
• Specialized Medical Equipment and Supplies – Covers necessary equipment not provided through regular Medicaid

Importantly, participants can select their providers according to their preferences, including family members, friends, or neighbors.

How to apply for Physical Disabilities Waiver

The application process involves these steps:

1. Confirm eligibility based on physical disability criteria
2. Apply through the Utah Department of Health
3. Complete required assessments to verify medical necessity

Be aware that this program serves a limited number of individuals, hence there is typically a waiting list. Consequently, early application is advisable for those seeking to secure these services. For assistance, contact the Utah Department of Health’s Physical Disabilities Waiver program directly.

Veterans State Homes in Utah

Utah veterans seeking affordable senior housing have access to four state-operated Veterans Homes located in Ivins, Ogden, Payson, and Salt Lake City. These facilities provide essential long-term care services specifically designed for those who served our country.

Veterans State Homes eligibility

To qualify for residence in Utah’s Veterans State Homes, applicants must meet specific criteria:

• Have served on active duty or deployed while serving in the reserves
• Received an honorable discharge (wartime veterans receive preference)
• Spouses or surviving spouses of veterans may also qualify
• Gold Star Parents (parents who lost a child in military service) are eligible

The cost structure varies based on service-connected disability (SCD) status:

• Veterans with 70% or higher SCD receive care at no cost
• Veterans with less than 70% SCD or no SCD receive a VA subsidy of approximately $120 per day toward costs
• Spouses and Gold Star Parents are eligible but without VA cost subsidies

Veterans State Homes services

These specialized facilities offer comprehensive care including:

• 24-hour skilled nursing care
• Short-term rehabilitation and therapy (physical, occupational, speech)
• Memory care for residents with dementia
• Hospice care for end-of-life support
• Specialized medical equipment and medication management
• IV services and enteral nutrition

Beyond medical care, these homes provide environments designed to feel homelike, catering to both physical and emotional needs of residents.

How to apply for Veterans State Homes

The application process involves several steps:

1. Contact the Veterans Home nearest to your preferred location directly
2. Request application materials and information about current availability
3. Complete the required documentation, including proof of veteran status
4. Submit medical assessment information to determine level of care needed

Generally, the Utah Department of Veterans and Military Affairs oversees these homes, though day-to-day operations are managed by contracted private healthcare providers. For assistance with the application process, interested veterans or family members should contact their nearest Veterans Home administration office directly.

HUD Section 202 Supportive Housing

The HUD Section 202 Supportive Housing for the Elderly Program provides vital housing opportunities specifically designed for Utah seniors facing economic challenges. Established under the Housing Act of 1959, this federal initiative helps elderly residents maintain dignity and independence through supportive living environments.

HUD Section 202 eligibility

To qualify for Section 202 housing in Utah, applicants must meet several key requirements:

• At least one household member must be 62 years or older
• Household income must be less than 50% of the area median income where the property is located
• Priority is given to those demonstrating greatest need
• Applicants must show difficulty affording standard housing
• Need for supportive services to age in place must be established

In essence, this program targets those seniors most vulnerable to housing insecurity. Other factors might affect eligibility, including previous eviction from a HUD property or prior criminal activity.

HUD Section 202 benefits

Section 202 housing offers numerous advantages for qualified seniors:

The program provides safe, comfortable housing with affordable rent structures based on income. This arrangement ensures residents can allocate more of their budgets toward essential needs like groceries, medications, and healthcare.

Properties feature supportive services such as cleaning, cooking, transportation, and continuing education. These services enable residents to live independently yet receive assistance with daily activities as needed.

Altogether, the program creates housing designed to promote long-term wellness, allowing seniors to age in place even as their needs change. Capital Advance funds used to develop these properties bear no interest, and repayment isn’t required as long as the housing remains available for very low-income elderly persons for at least 40 years.

How to apply for HUD Section 202

The application process involves several steps:

First, identify Section 202 properties in your desired Utah location. Obviously, HUD doesn’t directly manage these rentals, so you must contact each property’s owner or manager individually.

Applications differ across developments but typically require documentation verifying identity, income, and other personal details from all household members. An in-person interview might be necessary.

Given high demand for affordable senior housing in Utah, many Section 202 properties maintain waiting lists. Therefore, reaching out to property managers promptly is crucial to secure your place in line.

Low-Income Housing Tax Credit (LIHTC) Properties

The Low-Income Housing Tax Credit (LIHTC) program stands as one of the most effective federal initiatives for creating affordable housing in Utah. Established by the Tax Reform Act of 1986, this program has developed into the single largest housing production mechanism in the United States, creating over 3.23 million affordable rental units nationwide.

LIHTC eligibility

To qualify for LIHTC housing in Utah, residents must meet income guidelines:

• Household income must be below 60% of the Area Median Income (AMI) for the county
• Rent is typically set based on the county’s AMI and number of bedrooms, not on individual household income
• Priority often goes to seniors, individuals with special needs, and the homeless

In practice, this means a significant discount on housing costs. For example, in some Utah properties, qualified residents might pay up to $442 less per month than they would for conventional housing.

LIHTC benefits

The LIHTC program offers substantial advantages for both developers and residents:

First, it provides developers with a dollar-for-dollar reduction in tax liability in exchange for creating affordable housing. Indeed, these tax credits can be claimed annually for ten years, making LIHTC projects financially viable.

For seniors seeking housing, the benefits are equally important. LIHTC properties offer below-market rents that remain affordable long-term. In fact, a recent senior housing community in Salt Lake City caps rents between $600 and $1,150 monthly for seniors making 80% or below the area’s median income.

How to find LIHTC properties in Utah

Locating LIHTC properties throughout Utah requires knowing where to look:

1. Contact the Utah Housing Corporation, which administers the LIHTC program statewide
2. Visit local housing authorities like the Provo City Housing Authority, which manages 147 LIHTC units serving 122 senior households
3. Use online resources such as the HUD LIHTC database (lihtc.huduser.gov) or the Novoco mapping tool

Meanwhile, several new developments have recently received funding, including the Fairmont Heights Senior Community in Sugar House with 55 units in its initial phase. Simultaneously, other developments like TWG’s $13 million senior housing project continue to address Utah’s critical need for affordable housing.

Public Housing for Seniors

Public Housing programs across Utah offer vital shelter options for seniors unable to afford market-rate rentals. This federally aided initiative provides decent and safe accommodations while keeping costs manageable for elderly residents on fixed incomes.

Public Housing eligibility

To qualify for Public Housing in Utah, seniors must meet specific requirements:

• Be classified as low-income according to HUD guidelines
• Qualify as elderly (age 62+), a person with disabilities, or as part of a family
• Have U.S. citizenship or eligible immigration status

The local Public Housing Authority (PHA) determines eligibility based primarily on annual gross income. For many seniors living on fixed incomes, these programs represent one of the few affordable housing solutions available.

Public Housing benefits

Residents of Public Housing enjoy several advantages:

First, these properties offer affordable rent structures based on income level, ensuring housing remains within financial reach. Beyond stability, Housing Connect operates 1,303 units of affordable housing throughout Salt Lake County alone.

In addition to affordability, many properties feature amenities designed specifically for seniors, such as accessible units in locations like Scenic View Estates (for those 55+) and Foothill Manor in Brigham City.

How to apply for Public Housing

The application process involves reaching out to your local Public Housing Authority. Several options exist:

For Utah County residents, contact the Housing Authority of Utah County at 801-373-8333 or Provo Housing Authority at 801-900-5676. Essentially, each county maintains its own authority with specific application procedures.

Seniors facing difficulties with the application process can access the Housing Liaison Program through Salt Lake County Aging & Adult Services. This program assists older adults who:

• Need help applying for housing
• Require counseling on housing options
• Face barriers in securing appropriate housing

Remember that waitlists are common, so regular follow-up is crucial. Make sure to update your contact information frequently with any housing authorities where you’ve applied.

Housing Choice Voucher Program (Section 8)

Among Utah’s most versatile housing assistance options, the Housing Choice Voucher Program (commonly called Section 8) offers seniors the freedom to select their own living arrangements while receiving substantial rental subsidies. This federally-funded program assists low-income families, elderly individuals, and people with disabilities in securing safe and affordable housing in the private market.

Section 8 eligibility

Qualifying for a Housing Choice Voucher in Utah requires meeting several criteria:

• Income must not exceed 50% of the area median income based on your location
• U.S. citizenship or eligible immigration status is mandatory
• Applicants must have valid Social Security numbers
• Criminal background checks are conducted during the application process

For most seniors, the income threshold is the primary consideration. Your local Public Housing Authority (PHA) evaluates your total annual gross income alongside family size to determine eligibility. Salt Lake County seniors face income limits of approximately $40,450 annually for single-person households.

Section 8 benefits

The fundamental advantage of this program is its financial relief structure. Throughout this arrangement, participants typically pay between 30-40% of their adjusted monthly income toward rent. The Public Housing Authority then pays the remainder directly to the landlord.

What makes this program particularly valuable for seniors is its flexibility. Unlike some housing programs, voucher holders can choose from various housing types – apartments, townhouses, or single-family homes – provided the unit meets program requirements and the landlord agrees to participate. This freedom allows elderly residents to find housing that best accommodates their specific needs.

How to apply for Section 8 in Utah

Initially, contact your local Public Housing Authority to begin the application process. During this process, you’ll need to prepare documentation including:

• Income verification (pay stubs, benefit letters)
• Bank statements
• Proof of citizenship
• Social Security cards

After submitting your application, expect a waiting period that can range from three months to a full year before receiving your voucher. First and foremost, understand that waiting lists are common due to high demand, so applying to multiple housing authorities may improve your chances.

Once selected from the waitlist, you’ll attend an orientation session before receiving your voucher, which typically provides 60-120 days to find suitable housing.

Renter Rebate Program

Utah’s Renter Rebate Program offers direct financial assistance to elderly renters struggling with housing costs. This lesser-known resource helps qualified seniors receive money back on their rental payments, making housing more affordable regardless of where they live.

Renter Rebate Program eligibility

To qualify for a renter refund in Utah, applicants must meet specific criteria:

• Be at least 66 years old by December 31st of the application year (or be an unmarried surviving spouse of any age)
• Have a household income below $40,840 (as of 2023)
• Live in Utah for the entire calendar year
• Provide their own financial support and not be claimed as a dependent on anyone else’s tax return
• Be a renter or manufactured homeowner who rents a lot

The program primarily serves low-income seniors who might otherwise struggle with housing costs as prices continue to rise.

Renter Rebate Program benefits

The financial support through this program is substantial. Based on income levels, qualified seniors can receive:

• Up to $1,259 in rental relief annually
• For renters with the lowest incomes, refunds begin at $197
• The refund amount varies depending on the applicant’s household income

This money can be used however the recipient chooses, offering much-needed flexibility for seniors on fixed incomes. Actually, this program applies to various housing types including apartments, homes, manufactured homes, and trailers.

How to apply for Renter Rebate Program

Applications must be submitted between May 1st and December 31st each year. Seniors can apply through two methods:

1. Online application via the Taxpayer Access Point (TAP) system – the fastest method to receive a refund
2. Alternatively, complete and submit Form TC-90CB (Renter Refund Application) by mail, fax, or in person

Necessary documentation includes proof of income, rent information with landlord contact details, and identification. The application process typically takes only 20-30 minutes to complete. For questions or assistance, applicants can call 801-297-6254 to speak with a Circuit Breaker processing agent.

Property Tax Abatement for Seniors

Property taxes often create significant financial burdens for seniors on fixed incomes. Fortunately, Utah offers the Circuit Breaker tax relief program, which helps elderly homeowners reduce their property tax obligations while allowing them to remain in their homes.

Property Tax Abatement eligibility

To qualify for the Circuit Breaker property tax abatement in Utah, applicants must meet specific requirements:

• Be a U.S. citizen or qualified alien
• Own and reside in the property as of January 1 of the application year
• Live in Utah for the entire calendar year
• Be at least 66 years old by January 1 of the next calendar year (or a qualifying widow/widower)
• Not be claimed as a dependent on anyone else’s tax return
• Have household income below the statutory limit (up to $42,623 for 2025)

Beyond these basic qualifications, applicants must file their application with the county treasurer by September 2, unless an extension is granted.

Property Tax Abatement benefits

The Circuit Breaker program offers substantial financial relief through:

• A 20% reduction in fair market value of the property for tax purposes
• A credit of up to $1,312 against property taxes on a primary residence

Benefits are calculated on a sliding scale based on household income. For example, those with 2024 household income between $0 and $14,490 receive the maximum $1,312 credit, whereas those earning between $38,361 and $42,623 receive $204.

How to apply for Property Tax Abatement

The application process requires several steps:

First, contact your county treasurer’s office to request the TC-90CY application form. Alternatively, some counties offer online application systems.

Second, gather required documentation including:

• Complete copy of your federal income tax return with all attachments
• Social Security benefit statements (SSA-1099 forms)
• Other documentation of income (pension statements, interest forms, etc.)

Applications must be submitted annually, as benefits don’t automatically renew. Forthwith, approved applicants will see reductions reflected on their October property tax notices, unless submitted after September 1st.

NeighborWorks Mountain Country Home Solutions

NeighborWorks Mountain Country Home Solutions operates as a community-based organization with over 30 years of experience creating affordable housing opportunities for Utah residents. This non-profit focuses on pathways to homeownership while addressing the broader housing needs of low-income individuals and seniors.

NeighborWorks services

NeighborWorks offers several programs that benefit seniors seeking affordable housing:

• Down Payment Assistance – Provides financial support through forgivable loans with 0% interest rates for qualifying buyers. The Murray City program offers up to $30,000, while Midvale City’s program provides up to $25,000 or $30,000 for Midvale residents or public entity employees
• Rental Counseling – HUD-certified counselors help clients understand renter rights and responsibilities
• Home Improvement Loans – Flexible financing for necessary home repairs and maintenance
• Foreclosure Prevention – Counseling to help homeowners avoid foreclosure and explore mortgage modification options

The organization has invested $80,253,874 throughout Utah, helping 1,551 individuals with housing and counseling services. Their congressional appropriation leverage ratio stands at $115 to $1.

NeighborWorks eligibility

Eligibility varies by program but typically includes:

• Income-based qualifications targeting low-to-moderate income (LMI) households
• Residency requirements (some programs prioritize local residents)
• Need assessment for housing assistance
• Financial capacity evaluation

Currently, 1,165 customers have received counseling and education services, while 256 homeowners have benefited from home preservation or rehabilitation services.

How to apply for NeighborWorks housing

The application process involves these steps:

1. Contact NeighborWorks Mountain Country Home Solutions directly to determine which programs best fit your needs
2. Complete program-specific applications (some programs currently maintain waitlists due to high demand)
3. Submit required documentation verifying income, assets, and other eligibility factors
4. Attend counseling or educational sessions related to your housing goals

First-time applicants typically participate in preparatory housing counseling designed to help them make informed decisions about homeownership or rental options.

WATCH Program Housing Assistance

The WATCH Program (Wasatch Assistance Team Counseling the Homeless) offers specialized support for homeless individuals with serious mental illnesses in Utah County. Although not primarily a housing agency, this program plays a critical role in helping vulnerable populations secure stable living arrangements.

WATCH Program eligibility

Applicants seeking assistance through the WATCH program must meet several specific criteria:

• Have a serious and persistent mental illness
• Be literally homeless or facing imminent homelessness
• Demonstrate willingness to address mental health concerns as recommended
• Commit to substance-free living and agree to random drug testing
• Have Medicaid coverage or be unfunded

Unlike other programs focused solely on housing, WATCH requires active participation in mental health treatment as a condition for receiving assistance. Fundamentally, this approach addresses both immediate housing needs and underlying mental health challenges.

WATCH Program services

The WATCH program delivers comprehensive mental health and housing support including:

• Mental health assessments and individual therapy
• Group therapy sessions
• Targeted case management connecting clients to resources (Medicaid, Food Stamps, Social Security Disability)
• Housing assistance coordination
• Homeless outreach initiatives
• Medication management with licensed prescribers and nurses

Co-located with the Food and Care Coalition, the program provides convenient access to various services for Utah County’s homeless population.

How to apply for WATCH Program

The application process involves these steps:

1. Contact the program directly at 801-852-3779
2. Visit their location at 299 East 900 South, Provo, UT 84606
3. Meet with a case manager for initial eligibility assessment
4. Complete an intake evaluation if qualifying

Potentially eligible individuals should note that services operate on a first-come, first-served basis with limited slots available. Typically, arriving early improves chances of securing assistance. Upon approval, participants receive ongoing support addressing both mental health and housing challenges.

USDA Rural Development Housing for Seniors

Rural areas throughout Utah offer unique housing opportunities for seniors through USDA’s dedicated loan programs. These initiatives help low-income elderly residents secure affordable housing options in the countryside where conventional lending might be limited.

USDA housing eligibility

To qualify for USDA Rural Development housing assistance, applicants must meet several requirements:

• Have income at or below the applicable low-income limit for their area
• Demonstrate willingness and ability to repay debt
• Be without decent, safe, and sanitary housing
• Unable to obtain loans from other sources on reasonable terms
• Agree to occupy the property as primary residence
• Meet citizenship or eligible noncitizen requirements

Income limits vary by location and family size, with special considerations for senior applicants. In particular, elderly households may qualify for extended loan terms when standard repayment periods would be unaffordable.

USDA housing benefits

The USDA offers substantial financial advantages through its housing programs:

Firstly, the Single Family Housing Direct Home Loans feature a fixed interest rate based on current market rates—4.875% as of May 2025 for low and very low-income borrowers. This rate can be modified by payment assistance to as low as 1%.

Secondly, no down payment is typically required, making homeownership accessible for seniors with limited savings. Loan repayment periods extend up to 33 years, or 38 years for very low-income applicants who cannot afford shorter terms.

Alternatively, the Section 502 Guaranteed Loan Program enables approved lenders to offer 100% financing, eliminating the need for down payments.

How to apply for USDA housing

Applications for USDA housing programs are accepted year-round through local Rural Development offices. The process involves:

1. Contacting your nearest USDA Rural Development office in Utah
2. Preparing documentation of income, assets, and citizenship status
3. Completing the required application package
4. Awaiting processing, which varies depending on funding availability and program demand

For the Guaranteed Loan Program, seniors should instead contact USDA’s network of approved lenders, who serve as the primary point of contact throughout the application process.

Assisted Living Waiver Programs

For seniors needing long-term care while maintaining some independence, Utah offers specialized Medicaid waiver programs that provide financial support for assisted living services. These programs serve as alternatives to nursing home placement, allowing qualified individuals to receive care in less restrictive environments.

Assisted Living Waiver eligibility

Qualifying for assisted living waivers in Utah requires meeting specific criteria. For the Aging Waiver, applicants must be at least 65 years old, demonstrate nursing home-level care needs, and meet Medicaid financial requirements. Similarly, the New Choices Waiver requires applicants to be at least 65, be legal U.S. citizens, and permanent Utah residents.

Financial requirements are particularly strict—as of 2023, the income limit for Medicaid eligibility was $1,215 monthly with an asset limit of $2,000. Alongside these financial constraints, applicants must have either resided in a nursing facility for at least 90 days or an assisted living facility for a full year prior to applying.

Assisted Living Waiver benefits

These programs offer comprehensive support services based on individual assessments. The benefits typically include:

• Case management and personal budget assistance
• Emergency response systems and specialized medical equipment
• Medication management services
• Non-emergency medical transportation
• Respite care and attendant services
• Home-delivered meals and homemaker services

Evidently, these services aim to help seniors maintain as much independence as possible while receiving necessary care. Unlike full institutional care, waiver programs provide customized support packages tailored to each individual’s specific needs.

How to apply for Assisted Living Waiver

The application process varies by program. For the Aging Waiver, seniors must initiate contact with their local Area Agency on Aging, where a case manager will conduct a comprehensive needs assessment. Online applications offer the fastest processing for the New Choices Waiver through the UtahID system.

Given that space in these programs is limited, the Department of Human Services recommends interested seniors sign up for waitlists as early as possible. Coupled with proper documentation, including proof of income, residence, and medical necessity, timely application improves the chances of securing these valuable benefits. For assistance, call 800-662-9651 and select option 6 to request more information or application materials.

Low-Income Senior Apartments in Utah County

Utah County offers several dedicated housing solutions for seniors facing financial challenges. Upon exploring these options, you’ll find communities specifically designed to meet the needs of older adults while remaining within budget constraints.

Utah County senior apartment options

Several affordable senior living complexes exist throughout Utah County. The Provo City Housing Authority manages multiple senior housing locations with secure entry systems, on-site laundry facilities, and community rooms. Outside Provo, you’ll find options like:

• Pioneer Villa Senior Community in Spanish Fork (for seniors 62+)
• Grande Vista Apartments in Payson (subsidized housing for elderly and handicapped)
• Avalon Senior Living in Lindon (apartments for 55+)
• Central Park Station and Slate Canyon Apartments in Provo (with income restrictions)

As a bonus, many facilities include private balconies and locations near transportation, shopping, and community events.

Eligibility for low-income senior apartments

For most Utah County senior apartments, qualification criteria typically include:

Income limits based on Area Median Income (AMI), with cutoffs at 30%, 50%, or 80% AMI depending on the property. For example, a single-person household at 50% AMI can earn up to $41,550 annually, while a two-person household can earn up to $47,500.

Beyond income requirements, applicants must provide income verification, household member verification, and pass criminal background checks. Registered sex offenders are ineligible for assistance.

How to apply for senior apartments in Utah County

To begin the process, I recommend contacting either the Housing Authority of Utah County (240 East Center Street in Provo) or Provo Housing directly. Complete a pre-application with photo identification and your Social Security card to secure a spot on the waiting list.

Once your application is processed, waiting times vary from a couple of months to over a year, depending on funding availability. When a unit becomes available, you’ll update your information, attend a briefing, and typically have 60 days to find suitable housing.

Free Housing Resources via 2-1-1 Utah

When navigating the complex landscape of housing resources becomes overwhelming, 2-1-1 Utah serves as a centralized hub connecting seniors with essential support systems. This service acts as a gateway to numerous housing assistance programs throughout the state.

What is 2-1-1 Utah

2-1-1 Utah functions as a free social services hotline that connects Utahns with local health and human service programs. Chiefly supported by United Ways of Utah, this confidential service operates as the state’s leading resource network. Beyond merely providing referrals, 2-1-1 collects valuable data about community needs, helping to identify and address gaps in service provision across Utah.

Throughout its operation, the service has helped countless individuals, with one client sharing: “I called 211 to find transportation for my medical appointments. The specialist gave me information about Utah Valley Rides and Utah Valley Paratransit. They were so sweet and even followed up with me the next day”.

How 2-1-1 helps with housing

2-1-1 Utah partners with numerous housing programs that offer comprehensive support for seniors facing housing insecurity. The service connects callers to resources in several categories:

• Emergency shelter programs for crisis situations
• Rent, mortgage, and other housing expense assistance
• Domestic violence shelters for those needing immediate safety
• Supportive housing programs that provide living arrangements with daily activity support

At the present time, these resources cover temporary shelter needs, home improvement programs, housing location assistance, and various housing alternatives. Correspondingly, seniors can receive guidance on navigating application processes for many programs mentioned earlier in this guide.

How to contact 2-1-1 Utah

Reaching 2-1-1 Utah is straightforward through multiple channels:

Simply dial 2-1-1 from any phone to speak directly with a resource specialist. Alternatively, text your zip code to 801-845-2211 for text-based assistance. For those preferring online options, visit 211utah.org to search for resources independently.

The service accommodates various needs by offering support in multiple languages. Following your initial contact, specialists can provide downloadable resource PDFs and occasionally follow up to ensure you’ve connected with appropriate services. Ultimately, this comprehensive approach makes 2-1-1 an invaluable first stop for seniors seeking affordable housing solutions.

Comparison Table

Program Name	Age Requirement	Income Requirement	Key Benefits	How to Apply	Waiting List
Medicaid Long-Term Care	65+	$2,000 asset limit (single)	Nursing facility care, home care services, personal care assistance	Through myCase or local DWS office	60-90 days processing
New Choices Waiver	18+	$2,901/month (2025)	Transition support, homemaker services, personal care	Online through UtahID or call 800-662-9651	Up to 3 months processing
Aging Waiver	65+	$1,305/month (2025)	Home care, meals, personal care services	Contact local Area Agency on Aging	Yes
Physical Disabilities Waiver	18+	$2,000 asset limit	Personal assistance, medical equipment, emergency response	Through Utah Department of Health	Yes
Veterans State Homes	Veterans/Spouses	Varies by SCD status	24-hour skilled nursing, rehabilitation, memory care	Contact nearest Veterans Home	Not mentioned
HUD Section 202	62+	<50% area median income	Affordable rent, supportive services	Contact individual properties	Yes
LIHTC Properties	Not specified	Below 60% AMI	Below-market rents, long-term affordability	Contact Utah Housing Corporation	Varies by property
Public Housing	62+	Low-income per HUD	Income-based rent, senior-specific amenities	Contact local Housing Authority	Yes
Section 8	Not specified	<50% area median income	Rental payment assistance	Contact local Housing Authority	3-12 months
Renter Rebate	66+	Below $40,840 (2023)	Up to $1,259 annual rebate	Online via TAP or Form TC-90CB	N/A
Property Tax Abatement	66+	Up to $42,623 (2025)	Up to 20% reduction in property value	Through county treasurer	N/A
NeighborWorks	Not specified	Low-to-moderate	Down payment assistance, housing counseling	Contact directly	Varies by program
WATCH Program	Not specified	Must have Medicaid	Housing + mental health services	Call 801-852-3779	First come, first served
USDA Rural Housing	Not specified	Below area income limit	Fixed-rate loans, no down payment	Contact local USDA office	Not mentioned
Assisted Living Waiver	65+	$1,215/month (2023)	Comprehensive care services	Through local Area Agency on Aging	Yes
Utah County Senior Apts	55+ or 62+	30-80% AMI	Affordable apartments, community amenities	Contact Housing Authority	Several months to 1+ year
2-1-1 Utah	Not specified	Not specified	Resource referrals, housing assistance info	Dial 2-1-1 or visit website	N/A

Conclusion

Finding affordable housing as a senior in Utah doesn’t have to be a daunting challenge. Throughout this guide, I’ve shown you 17 viable options that can significantly reduce your housing costs while providing the support services many seniors need. The programs range from comprehensive Medicaid waivers that cover in-home care to property tax abatements that help you stay in your current home.

Most importantly, these programs serve different needs and situations. Veterans might benefit most from the State Veterans Homes, while seniors with physical disabilities could find the Physical Disabilities Waiver program perfectly suited to their requirements. Similarly, rural residents have specialized USDA housing programs available, whereas those preferring urban settings can explore HUD Section 202 or LIHTC properties.

Financial eligibility varies across programs, though most target seniors with incomes below 50-60% of their area’s median income. Likewise, asset limits typically hover around $2,000 for individual applicants, with some exceptions for married couples. Application processes generally involve contacting the specific program administrator, gathering financial documentation, and sometimes completing medical assessments.

The waiting periods for many of these programs can stretch from several months to over a year, so I recommend applying as early as possible. Additionally, consider reaching out to 2-1-1 Utah for personalized guidance on which programs best match your circumstances.

Undoubtedly, navigating these various options takes time and patience. Still, the potential benefits—secure housing, reduced financial stress, and access to needed services—make the effort worthwhile. After all, having stable, affordable housing forms the foundation for enjoying your retirement years with dignity and peace of mind.

FAQs

Q1. What are the income limits for senior housing assistance in Utah? Income limits vary by program, but generally range from 30-60% of the area median income. For example, the Medicaid Long-Term Care Program has an asset limit of $2,000 for individuals, while the Renter Rebate Program is available to seniors with household incomes below $40,840 as of 2023.

Q2. How long should seniors expect to wait for affordable housing? Wait times can vary significantly depending on the program and location. Some may have immediate openings, while others can have waiting lists of several months to over a year. It’s advisable to apply to multiple programs and get on waiting lists as early as possible.

Q3. What are some affordable living options for seniors in Utah? Affordable options include subsidized apartments through programs like HUD Section 202 or LIHTC properties, shared housing arrangements, downsizing to smaller homes, and exploring rural housing programs through USDA Rural Development. Additionally, programs like the Renter Rebate and Property Tax Abatement can help make existing housing more affordable.

Q4. How can seniors qualify for low-income housing in Utah? Qualification typically involves meeting age requirements (usually 62 or older), having income below specified limits, and sometimes demonstrating a need for supportive services. Applicants must provide documentation of income, assets, and citizenship status. Contacting local housing authorities or using the 2-1-1 Utah service can help determine specific eligibility for various programs.

Q5. Are there housing assistance programs specifically for senior veterans in Utah? Yes, Utah offers Veterans State Homes for eligible veterans and their spouses. These facilities provide skilled nursing care, rehabilitation services, and memory care. Veterans with service-connected disabilities may receive care at no cost, while others may be eligible for VA subsidies to offset expenses.