How to Find Affordable Housing in San Antonio

San Antonio, Texas, is one of the fastest-growing metropolitan areas in the United States, known for its rich cultural heritage, vibrant job market, and relatively low cost of living compared to other major Texas cities like Austin or Dallas. However, as demand for housing increases, finding affordable housing in San Antonio has become a growing challenge for low- and middle-income families, young professionals, seniors, and essential workers. Affordable housing is not just about rent prices—it’s about access to safe, stable, and sustainable living environments that allow residents to thrive without being burdened by housing costs that exceed 30% of their income, the standard threshold defined by the U.S. Department of Housing and Urban Development (HUD).

This guide provides a comprehensive, step-by-step roadmap for individuals and families seeking affordable housing options in San Antonio. Whether you’re new to the city, relocating due to employment, or simply trying to reduce your housing expenses, this resource will equip you with actionable strategies, trusted tools, real-world examples, and insider knowledge to navigate the complex housing landscape effectively. By following the advice in this guide, you can significantly increase your chances of securing a quality, affordable home without falling victim to scams, misinformation, or outdated assumptions about housing availability.

Step-by-Step Guide

1. Determine Your Housing Budget

Before you begin searching for housing, establish a realistic budget based on your income and expenses. The widely accepted rule is that housing should not exceed 30% of your gross monthly income. For example, if your monthly income is $3,500, your housing budget should be $1,050 or less. This includes rent, utilities (if not included), renters insurance, and any associated fees like application or pet deposits.

Use free online budgeting tools to track your spending habits and identify areas where you can cut back. Many local nonprofits in San Antonio offer free financial counseling services to help residents create sustainable budgets. Avoid the temptation to stretch your budget beyond 35% of income—even if a unit looks appealing—because unexpected costs like medical bills, car repairs, or job loss can quickly lead to housing instability.

2. Understand San Antonio’s Affordable Housing Landscape

San Antonio has a mix of housing types, including market-rate apartments, subsidized units, public housing, and housing choice vouchers. The city’s housing market is influenced by its large military presence, growing healthcare sector, and expanding tech and logistics industries. Affordable housing is concentrated in certain neighborhoods such as East Side, South Side, and parts of the North Side, but opportunities exist citywide.

The San Antonio Housing Authority (SAHA) manages over 8,000 units of public housing and administers the Housing Choice Voucher Program (Section 8). However, waitlists are often long—sometimes years—so it’s essential to apply early and explore alternative options simultaneously. Additionally, many nonprofit developers and faith-based organizations operate income-restricted properties that are not listed on mainstream rental platforms.

3. Research Income-Restricted and Subsidized Housing Programs

Income-restricted housing is designed for households earning below a certain percentage of the Area Median Income (AMI). In San Antonio, AMI for a household of four in 2024 is approximately $80,000. Programs typically target households earning 30%, 50%, 60%, or 80% of AMI.

Key programs to explore:

• Public Housing (SAHA): Operated by the San Antonio Housing Authority, these units are available to low-income families, seniors, and persons with disabilities. Applications are accepted year-round but are subject to long waitlists.
• Housing Choice Voucher Program (Section 8): Provides rental assistance to eligible families who can choose their own housing in the private market. SAHA manages the local voucher program.
• Low-Income Housing Tax Credit (LIHTC) Properties: Privately owned developments that receive federal tax credits in exchange for reserving a percentage of units for low-income tenants. These are often newer, well-maintained buildings.
• Project-Based Vouchers: Similar to Section 8, but the subsidy is tied to a specific property rather than the tenant. If you move, you lose the subsidy unless you qualify for a portability transfer.

Visit the SAHA website to review eligibility requirements and download applications. You can also attend monthly housing fairs hosted by local nonprofits to learn about current openings and application deadlines.

4. Utilize Online Housing Portals and Databases

Traditional rental platforms like Zillow, Apartments.com, and Rent.com often list market-rate units. To find affordable options, use specialized databases that filter for income-restricted and subsidized housing:

• HousingConnectSA.org: The official portal of the City of San Antonio’s Housing and Community Development Department. It lists available affordable units, application deadlines, and eligibility criteria.
• HUD’s Housing Choice Voucher Portal: Provides national access to voucher programs and allows you to search for participating landlords.
• 211 Texas: A free, confidential service that connects residents with housing, food, and utility assistance programs. Dial 2-1-1 or visit 211texas.org.
• Nonprofit Housing Directories: Organizations like San Antonio Housing Trust, Catholic Charities, and the San Antonio Area Foundation maintain updated lists of affordable properties.

Set up email alerts on these platforms to receive notifications when new listings are posted. Many affordable units are filled quickly, so speed matters.

5. Network with Local Nonprofits and Community Organizations

Community-based organizations are often the first to know about upcoming housing opportunities before they are publicly advertised. These groups also provide support services such as credit repair, rental assistance, and housing counseling.

Key organizations in San Antonio:

• San Antonio Housing Trust: Funds and develops affordable housing and provides rental assistance to qualifying families.
• Catholic Charities of San Antonio: Offers emergency housing assistance, transitional housing, and case management for homeless and at-risk individuals.
• San Antonio Area Foundation: Administers housing grants and partners with developers to create mixed-income communities.
• Alamo Area Council of Governments (AACOG): Coordinates regional housing initiatives and provides data on housing needs across Bexar County.

Attend community meetings, join neighborhood associations, or volunteer with these groups. Building relationships increases your visibility and access to insider information about vacancies or upcoming developments.

6. Explore Alternative Housing Options

Traditional apartments aren’t the only path to affordable housing. Consider these alternatives:

• Co-living Spaces: Shared housing arrangements where tenants rent private bedrooms but share kitchens, living areas, and utilities. These are often more affordable and foster community.
• Room Rentals: Renting a room in a single-family home can be significantly cheaper than a full apartment. Use platforms like Roomies.com or Facebook groups like “San Antonio Roommates & Housing.”
• Accessory Dwelling Units (ADUs): Also known as “granny flats” or backyard cottages, ADUs are small, self-contained homes built on the same lot as a primary residence. Some homeowners in San Antonio rent these units at below-market rates.
• Manufactured Home Parks: In neighborhoods like Helotes and Schertz, manufactured home parks offer affordable ownership or rental options with low monthly fees.
• Work-for-Housing Arrangements: Some farms, nonprofits, or property management companies offer reduced rent in exchange for part-time work, such as maintenance, gardening, or administrative duties.

These alternatives require more research and negotiation but can offer stability and savings that traditional rentals cannot.

7. Prepare a Strong Rental Application

Even for affordable housing, competition is high. A complete, professional application can make the difference between being selected or waitlisted.

Before applying, gather:

• Proof of income (pay stubs, tax returns, or benefit letters)
• Government-issued photo ID
• References from previous landlords or employers
• Proof of citizenship or eligible immigration status
• Bank statements (to show financial responsibility)
• Any documentation related to special circumstances (disability, veteran status, domestic violence survivor)

Address any gaps in your rental history. If you’ve had a prior eviction or late payment, write a brief, honest explanation letter. Many affordable housing providers value transparency and willingness to improve.

8. Avoid Scams and Fraudulent Listings

Scammers target people seeking affordable housing by posting fake listings, requesting upfront fees, or impersonating housing authorities. Red flags include:

• Requests for wire transfers or gift cards before signing a lease
• Landlords who refuse to meet in person or show the unit
• Listing prices significantly below market rate with no explanation
• Spelling errors, poor grammar, or unprofessional communication
• Pressure to “act now” or “limited availability” without documentation

Always verify the legitimacy of a listing by cross-referencing it with official sources like SAHA, HousingConnectSA.org, or the City of San Antonio’s housing department. Never send money without a signed lease and move-in documentation. If something feels off, trust your instincts and report the listing to the Better Business Bureau or the Texas Attorney General’s Office.

9. Apply to Multiple Programs Simultaneously

Do not put all your hopes on one program. Apply to at least three different affordable housing options at once: a public housing authority, a LIHTC property, and a nonprofit-managed development. Each has different eligibility criteria, waitlist lengths, and application deadlines.

Keep a spreadsheet to track:

• Program name and contact information
• Application date
• Required documents
• Waitlist status
• Next follow-up date

Regularly update your applications. If your income changes, notify the housing provider immediately—this can affect your eligibility or priority status.

10. Be Patient and Persistent

Finding affordable housing in San Antonio is rarely quick. Waitlists for Section 8 can exceed two years. LIHTC units may have waiting lists of six to twelve months. Public housing vacancies are rare and often filled through priority categories like homelessness or domestic violence survivors.

While you wait, consider temporary solutions such as staying with family, renting a room, or using short-term housing programs. Continue checking for updates monthly. Many people give up too soon. Persistence pays off—many successful applicants applied multiple times before being selected.

Best Practices

Maintain Good Credit and Rental History

Even for subsidized housing, landlords and housing authorities often review credit reports to assess financial responsibility. While perfect credit isn’t required, avoid new debt, pay bills on time, and resolve any outstanding collections. If you have negative marks, obtain a letter of explanation and evidence of rehabilitation, such as a payment plan or proof of settled debts.

Build a Support Network

Connecting with neighbors, community leaders, and housing advocates can provide emotional support and practical advice. Join local Facebook groups, attend city council meetings on housing, or participate in tenant rights workshops. Knowledge is power—and community is your greatest asset.

Stay Informed About Policy Changes

San Antonio regularly updates its housing policies. In 2023, the city approved $100 million in bond funding for affordable housing development. Stay updated by subscribing to newsletters from the City of San Antonio’s Housing and Community Development Department or following @SA_Housing on social media.

Use Transportation into Your Decision

Affordable housing in outlying areas may come with long commutes. Consider proximity to public transit ( VIA Metropolitan Transit), bike lanes, and walkability. A slightly higher rent in a well-connected neighborhood may save you hundreds in transportation costs each month.

Document Everything

Keep copies of all applications, emails, letters, and receipts. If you’re denied housing, request a written explanation. You have the right to appeal decisions, especially if you believe you were discriminated against based on race, disability, family status, or source of income.

Advocate for Yourself

If you’re eligible for housing assistance but feel overlooked, don’t hesitate to ask questions. Request updates on your waitlist status. Ask if there are any priority categories you qualify for, such as being a veteran, elderly, or survivor of domestic violence. Many applicants are unaware they qualify for additional points on their applications.

Tools and Resources

Official City and County Resources

• HousingConnectSA.org: Centralized portal for affordable housing listings, waitlist applications, and program details.
• San Antonio Housing Authority (SAHA): manages public housing and Section 8. Visit saha.org for applications and contact info.
• City of San Antonio Housing and Community Development: Oversees housing policy, grants, and development initiatives. Visit sanantonio.gov/hcd.
• Alamo Area Council of Governments (AACOG): Regional planning agency with housing data and reports. Visit aacog.org/housing.

Nonprofit and Advocacy Organizations

• San Antonio Housing Trust: Funds and develops affordable housing. Visit sahousingtrust.org.
• Catholic Charities of San Antonio: Offers emergency housing and case management. Visit ccsas.org.
• San Antonio Area Foundation: Provides grants and community funding. Visit saafoundation.org.
• Legal Aid of NorthWest Texas: Offers free legal help for housing disputes, evictions, and discrimination. Visit lanwt.org.

Online Search Tools

• 211 Texas: Dial 2-1-1 or visit 211texas.org for referrals to housing and utility assistance.
• HUD’s Resource Locator: Find subsidized housing nationwide at hud.gov/program_offices/housing/sfh/hcv.
• Apartment List’s Affordable Housing Filter: Allows users to filter rentals by income limits.
• Facebook Groups: Search “San Antonio Affordable Housing,” “San Antonio Roommates,” or “Bexar County Housing.”

Financial and Support Services

• United Way of San Antonio and Bexar County: Offers financial coaching and emergency assistance. Visit unitedwaysa.org.
• Free Credit Counseling: Through GreenPath Financial Wellness or Money Management International.
• Texas Workforce Commission: Provides job training and income support for those seeking employment to afford housing.

Real Examples

Example 1: Maria, Single Mother of Two

Maria, a medical assistant earning $3,200 per month, moved to San Antonio from Corpus Christi after her job relocated. She needed housing under $960/month to stay within the 30% threshold. After applying to SAHA’s public housing waitlist (which had a 3-year wait), she also applied to two LIHTC properties. One, managed by the San Antonio Housing Trust, had a 6-month waitlist. She was notified of an opening and moved in after providing her pay stubs and child support documentation. Her rent was $875/month, including water and trash. She also received a $150/month utility subsidy through the Low-Income Home Energy Assistance Program (LIHEAP). Within six months, she enrolled in a free financial literacy course offered by Catholic Charities and improved her credit score by 80 points.

Example 2: James, Veteran and College Student

James, a 28-year-old Army veteran attending UTSA, qualified for the VA’s Supportive Services for Veteran Families (SSVF) program. He applied for a subsidized apartment through a nonprofit that partners with the VA. He was placed in a 1-bedroom unit in the East Side with rent set at 30% of his monthly VA benefits ($750). The property included on-site case management and access to tutoring services. He also received a $200 monthly housing stipend from the SSVF program to cover security deposits and moving costs. James now volunteers at the local veteran center, helping others navigate the same process.

Example 3: The Rodriguez Family, Renters in a Manufactured Home Park

The Rodriguez family of four moved into a manufactured home park in Schertz after realizing traditional apartments were unaffordable. They purchased a used manufactured home for $18,000 and paid $525/month in lot rent. The park included water, sewer, and trash services. With the help of a nonprofit grant, they installed energy-efficient windows and solar panels, reducing their utility bills by 40%. Their monthly housing cost is now $575—well below the city’s median rent of $1,300 for a 2-bedroom unit. They now own their home and are building equity.

Example 4: Elena, Senior on Fixed Income

Elena, a 72-year-old retiree living on Social Security, was struggling to afford her rent in a downtown apartment. She applied for a senior-specific LIHTC property through SAHA and was approved within four months. Her rent is $550/month, including utilities, and the building offers weekly social activities, transportation to medical appointments, and a meal program. She also receives food assistance through Meals on Wheels and a property tax exemption through the state’s homestead exemption for seniors.

FAQs

How long is the waitlist for Section 8 in San Antonio?

The waitlist for the Housing Choice Voucher Program in San Antonio typically ranges from 2 to 5 years, depending on household size and priority status. Seniors, veterans, and those experiencing homelessness may receive priority placement.

Can I apply for affordable housing if I have bad credit?

Yes. Many affordable housing programs prioritize income over credit history. However, you may be required to provide a co-signer or demonstrate financial responsibility through bank statements or a payment plan for past debts.

Are there affordable housing options for students?

Yes. Several nonprofit developers and universities partner to offer income-restricted housing for students. UTSA and Texas A&M University-San Antonio have partnerships with local housing providers. Check with your school’s financial aid office for referrals.

Can I use a Section 8 voucher to rent a house instead of an apartment?

Yes. Section 8 vouchers can be used for any eligible housing unit, including single-family homes, townhouses, and duplexes, as long as the landlord participates in the program and the unit passes HUD’s housing quality standards.

What if I’m denied housing? Can I appeal?

Yes. You have the right to request a written explanation and appeal the decision. Contact the housing provider’s office to initiate the appeals process. Legal Aid of NorthWest Texas offers free assistance with housing appeals.

Are utilities included in affordable housing units?

Some are, some aren’t. Always ask. Many LIHTC and public housing units include water, trash, and sometimes electricity. Always review the lease carefully to understand what’s included.

Can I apply for affordable housing if I’m not a U.S. citizen?

Eligibility depends on immigration status. Legal permanent residents, refugees, asylees, and certain other qualified non-citizens may qualify. Undocumented immigrants are generally not eligible for federal housing programs but may access emergency or nonprofit-funded housing.

How do I know if a property is truly affordable?

A property is considered affordable if your rent (including utilities) is at or below 30% of your gross monthly income. You can also verify if it’s listed on HousingConnectSA.org or approved by SAHA.

Is there help for moving costs?

Yes. Some nonprofit programs, such as Catholic Charities and the San Antonio Housing Trust, offer one-time grants for security deposits, first month’s rent, or moving expenses. Apply early—funds are limited.

Can I get help with utility bills?

Yes. Programs like LIHEAP, the Salvation Army, and local churches offer assistance with heating and cooling costs. Apply in the spring and fall for best results.

Conclusion

Finding affordable housing in San Antonio is not impossible—but it requires strategy, patience, and persistence. The city offers a wide range of resources, from public housing and Section 8 vouchers to nonprofit-managed developments and alternative living arrangements. Success comes from understanding your options, preparing strong applications, avoiding scams, and staying informed about policy changes and new developments.

Remember: affordable housing is a right, not a privilege. Many families in San Antonio have walked this path before you—and succeeded. Use the tools, connect with the organizations, and never give up. Whether you’re a student, a veteran, a single parent, or a senior on a fixed income, there is a place for you in this city. The key is to start early, apply widely, and lean on your community. With the right approach, you can turn the challenge of finding affordable housing into a stepping stone toward long-term stability, security, and peace of mind.