A listing of housing agencies and directories to assist in finding independent-living apartments for seniors in age-restricted apartment complexes and communities.
For assisted living housing — i.e., housing communities that provide staffed assistance with daily living activities or nursing care services — look up our long-term care resources.
Oversees 180 federally subsidized public housing apartments plus 209 Section 8 vouchers.
Offers age-restricted apartment communities at Marsh Island Apartments (345 Main St., 50 units), Bickmore Manor (336 Main St., 13 units), Penobscot Terrace (352 Main St., 41 units), and Dow Apartments (10 Rue Boulanger, 8 units). Also operates “The Meadows” assisted living facility (16 beds).
Provides residential units administered by the Maine State Housing Authority. Rent is categorized as Income Based, which means tenants generally pay about 1/3 of their household income on rent; or Rent Restricted, which means that rents are typically based on a specified percentage of the median income for the area.
Q: I’m thinking about selling my house and downsizing to an apartment. What are my options for affordable housing, and how long will I have to wait?
President, Avesta Housing
A: Making the transition from owning a home to renting an apartment is an emotional decision for anyone, but for low-income seniors, it’s made more challenging by a need to find safe housing that is also affordable.
There are several types of housing that are age-restricted for seniors. Some of these properties are for people ages 55 and older, and others are for people ages 62 and older. This means a head of household must meet the age restriction. In addition, some 62-plus properties allow heads-of-households with disabilities regardless of their age.
Seniors who are on a fixed income of $1,053 or less a month are in need of what is known as subsidized housing, where the rent is based on your income and is calculated as 30% of your gross adjusted household income. The sad truth, however, is that lengthy waitlists for this kind of housing means seniors often wait two or three years, or even longer, before an apartment becomes available.
Waitlists are shorter for unsubsidized communities; however, you generally have to have a monthly income of at least $1,053 or $12,636 a year in order to afford the rent, and for many seniors, that kind of housing is out of reach.
The key to transitioning from a home to an affordable apartment is to plan ahead as far as possible. It’s a good idea to add your name to housing waitlists even if you think you won’t sell your home for a few years. Early action will increase your chances of having an affordable apartment available when you need it.
To find a list of subsidized affordable housing communities, visit MaineHousing’s website at http://www.mainehousing.org/programs-services/rental, or call MaineHousing at 866-357-4853.
Email us at [email protected] with your questions. We’ll find an expert who can offer advice and post their response here.
Visit The Challenge of our Age on Facebook to talk with other seniors and caregivers and share advice about issues you’ve faced.
