Housing assistance can be life-changing for individuals and families facing financial challenges, providing access to safe, stable housing while creating a foundation for greater independence. Yet many misconceptions remain about how these programs work and who they serve. Here are five common myths and the facts behind them.
Myth #1: My income is too high to qualify for housing assistance.
The reality: Eligibility is based on several factors, including household size, annual income, citizenship or eligible immigration status, and federal guidelines established by the U.S. Department of Housing and Urban Development.
“We encourage anyone who is unsure whether they qualify to take a closer look at the eligibility requirements,” says Ella Santos, CEO of the Housing Authority of the City of Asheville (HACA). “Every household is different, and many people are surprised to learn they may qualify.”
Myth #2: People who receive housing assistance aren’t expected to work.
The reality: As part of its commitment to supporting long-term self-sufficiency, HACA has implemented a work requirement for eligible public housing residents.
Eligible adults are required to participate in at least 15 hours each week of approved work-related activities, including employment, education, job training, or volunteer service. The policy includes exemptions for residents who are elderly, have disabilities, or serve as the primary caregiver of a child under age 6.
Myth #3: If you receive housing assistance, you have to live in public housing.
The reality: Through the Housing Choice Voucher Program, eligible households can choose a qualifying rental owned by a participating private landlord. Families contribute a portion of their income toward rent and utilities, while HACA pays housing assistance directly to the landlord.
Santos says the program expands housing choice while creating partnerships with landlords who want to help address our community’s housing needs.
Myth #4: Affordable housing is free.
The reality: HACA residents generally pay about 30 percent of their adjusted income toward rent and utilities. Housing assistance helps bridge the gap between what a family can reasonably afford and the cost of housing, making it possible for households to maintain stable housing while meeting other essential needs.
“Everyone has a role to play,” says Santos. “Residents contribute toward the cost of their housing, while HACA helps make safe, stable housing attainable. That shared investment creates a stronger foundation for long-term success.”
Myth #5: Affordable housing is just about providing a place to live.
The reality: Affordable housing creates stronger communities by supporting health, education, economic opportunity, and long-term stability.
When families have access to safe, stable housing, children are better positioned to succeed in school, adults are better able to maintain employment, and seniors and people with disabilities can remain connected to the services and support they need. Employers benefit from a more stable workforce, and neighborhoods benefit when residents have the opportunity to build lasting connections and invest in their communities.
“Affordable housing isn’t simply about providing a roof overhead,” says Santos. “It’s about creating the conditions where people and communities can thrive.”
