Get Your Free Guide to South Carolina Housing Choice Vouchers

Understanding South Carolina Housing Choice Vouchers

The Housing Choice Voucher program, often called Section 8, is a federal initiative that helps people afford rental housing in South Carolina. Rather than providing housing directly, the program gives vouchers to households that can be used toward rent payments at private landlord properties. The U.S. Department of Housing and Urban Development (HUD) funds the program, and local Public Housing Authorities (PHAs) administer it in each area of South Carolina.

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Housing Choice Vouchers work by reducing the amount of rent a household pays. When someone receives a voucher, the PHA pays a portion of the rent directly to the landlord, and the household pays the remaining amount from their own resources. The household's share is typically calculated as 30 percent of their monthly income, though this can vary. This structure allows people with lower incomes to live in decent housing without spending an unreasonable percentage of their earnings on rent.

South Carolina has multiple local PHAs serving different regions. The largest include the Charleston Housing Authority, the Greenville Housing Authority, and the Columbia Housing Authority, among others. Each PHA maintains its own waiting list and follows HUD guidelines while adapting programs to local needs. Some areas of South Carolina have shorter waiting periods than others, and availability depends on funding and demand in each jurisdiction.

The program covers rental payments only—it does not cover utilities, maintenance, or other housing-related costs. Households must find their own rental property, though the property must meet HUD standards and the landlord must agree to participate in the program. The voucher amount is based on the local Fair Market Rent, which varies by area and bedroom size. In Charleston, for example, the Fair Market Rent for a two-bedroom apartment is significantly higher than in rural areas of the state.

Practical Takeaway: Before exploring further, identify which South Carolina PHA serves your area. Visit the HUD PHA directory online or contact your county social services office to find the specific agency responsible for housing vouchers in your region. This agency will have information about local programs and waiting lists.

Income Limits and Basic Requirements

South Carolina's Housing Choice Voucher program has income thresholds that determine who may be considered for the program. These limits change annually and vary by household size and the specific area where the household wants to live. Income limits are set at 50 percent or 80 percent of the area's median income, depending on how the local PHA structures its program. For a family of four in the Charleston area, the income limit might be around $50,000 per year, while in a rural county it could be lower.

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Income is calculated differently than many people assume. The PHA counts gross income from all household members, including wages, social security, disability payments, unemployment benefits, child support, and other regular income sources. However, certain deductions are allowed, such as deductions for dependent children, elderly family members, or disabled household members. Medical expenses for elderly or disabled family members may also reduce countable income. Understanding how income is calculated is crucial because it directly affects the amount of rent a household would pay under the program.

Beyond income, households must meet other basic requirements. U.S. citizenship or eligible immigrant status is required—the PHA will verify immigration status using the HUD's Enterprise Income Verification system. Household members cannot have been evicted from a prior housing program for drug-related activity or other serious violations within a specified timeframe. The PHA also conducts background checks and may deny participation based on certain criminal convictions or a history of lease violations.

Valid identification is necessary for all adult household members. The PHA will request documents such as driver's licenses, social security cards, birth certificates for children, and proof of income from the previous two months. Rental history matters—the PHA may contact previous landlords to verify that the household maintained the rental property and paid rent on time. If someone has poor rental history or has damaged previous properties, this may affect the PHA's decision, though circumstances vary and rejections are not automatic.

Practical Takeaway: Gather documentation showing your household's income for the past 30 days, such as recent pay stubs, bank statements, or benefit letters. Prepare a list of previous rental addresses and landlord contact information for the past five years. Having these documents organized before contacting your local PHA will speed up the information-gathering process.

How the Waiting List Process Works

In South Carolina, like most states, demand for Housing Choice Vouchers far exceeds available funding. This means most PHAs maintain waiting lists, and households may wait months or even years before receiving a voucher. The length of the waiting list varies dramatically by location. Some rural South Carolina counties may have shorter waits, while urban areas like Charleston and Greenville often have lists with thousands of names. A few PHAs occasionally open their waiting lists for a limited period when funding allows, but most keep lists closed most of the time.

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Getting on the waiting list requires contacting your local PHA directly. The process typically involves completing a request form, either in person, by mail, or sometimes online through the PHA's website. The form asks for basic household information, current address, contact information, and sometimes income details. Some PHAs may conduct a brief phone interview to gather this information. After submission, the household receives a confirmation that they have been added to the list and given an estimated position or wait time.

The PHA maintains waiting lists in different ways depending on local policy. Some use a simple first-come, first-served approach based on the date the household applied. Others use a preference system that prioritizes certain groups, such as homeless families, people with disabilities, or those living in unsuitable housing. South Carolina PHAs must follow HUD guidelines on preferences, though they have some flexibility in how they structure them. Understanding the priority system in your local area can provide insight into when your household might be contacted.

Waiting lists are not static—households must maintain current contact information so the PHA can reach them when a voucher becomes available. If the PHA cannot locate a household after multiple attempts, that household may be removed from the list. Some PHAs ask households to verify their continued interest periodically, sometimes annually. It is important to notify the PHA of any address or phone number changes. When a voucher is issued, the household typically has a limited time frame, often 60 days, to locate a property and submit it to the PHA for approval.

Practical Takeaway: Contact your local PHA and ask three specific questions: Are they currently accepting new applications for the waiting list? If not, when did the list last open and when might it open again? What is the estimated wait time for a voucher? If the list is closed, ask when they anticipate reopening and whether you can request notification when that happens.

Finding and Securing Rental Properties

Once a household receives a Housing Choice Voucher, the next critical step is finding a rental property that meets HUD standards and whose owner agrees to participate in the program. This is where many households encounter challenges, as not all landlords are willing to accept vouchers. Some landlords prefer to rent at market rates without the paperwork and oversight that comes with HUD participation. Others may have negative perceptions about the program based on misinformation. In South Carolina's competitive rental markets, especially in Charleston and Greenville, finding a landlord willing to accept a voucher can be difficult.

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The property itself must meet specific HUD Housing Quality Standards, which cover health, safety, and livability. Inspectors examine features such as working plumbing and heating, adequate light and ventilation, safe electrical systems, absence of lead-based paint hazards in older homes, and freedom from pest infestations and structural damage. The property must have appropriate bedroom sizes for the household—a family of four cannot use a one-bedroom unit, for example. Fair Market Rent limits also apply; the rent cannot exceed the amount set for that bedroom size in that area, though the household can choose to pay the difference themselves if the rent is higher.

Finding cooperative landlords requires strategy and persistence. Many households search standard rental listing websites and contact landlords to explain the voucher program. Some PHAs maintain lists of landlords who have previously participated in the program. Community organizations and non-profits in South Carolina sometimes offer landlord recruitment services to help connect voucher holders with willing landlords. Attending tenant rights workshops or speaking with housing counselors can provide additional strategies. Word-of-mouth referrals from others using vouchers in the area can also lead to understanding landlords.

Once a property is identified, the tenant and landlord must agree on lease terms. The lease must be reviewed by the PHA before the