Massachusetts is known for its strong public services, but for people with disabilities, navigating the housing system can still be a serious challenge. According to recent Census data, over 11% of Massachusetts residents live with some form of disability. These individuals often face not just the high cost of housing but also additional barriers such as inaccessible units, long waitlists for adapted housing, and complicated eligibility rules. Many also live on fixed incomes, making it nearly impossible to secure a safe and affordable home without assistance.
Thankfully, Massachusetts offers a wide range of housing programs specifically designed to support residents with disabilities. These programs can help pay rent, modify homes for accessibility, locate affordable housing, and defend tenant rights. Below, we’ve outlined the key programs, how to apply, and what to expect when navigating housing resources across the state.
Massachusetts Rental Voucher Program (MRVP)
The MRVP is one of the largest state-funded rental assistance programs. It provides both tenant-based vouchers that move with the individual and project-based vouchers tied to specific units in subsidized developments. This flexibility makes MRVP especially helpful for people with disabilities who may require specific features in their housing.
Tenants typically pay 30–40% of their adjusted income toward rent, with the voucher covering the remainder. The state prioritizes people with disabilities through special set-aside categories and offers broader access in high-need regions.
Eligibility is based on income, generally capped at 80% of the Area Median Income (AMI). Applicants must also provide documentation of disability status, such as SSDI or SSI award letters.
To explore MRVP and see if it fits your needs, visit https://www.metrohousingboston.org/our-programs/housing-stability/massachusetts-rental-voucher-program-mrvp/.
Alternative Housing Voucher Program (AHVP)
Designed specifically for non-elderly disabled adults (ages 22–59), the AHVP helps those moving out of institutional settings or group homes transition to independent living. Vouchers are tenant-based and allow individuals to choose from a variety of private housing options.
In addition to rent support, AHVP often connects participants with services such as independent living training and case management. This combination makes AHVP a powerful tool for promoting long-term autonomy.
The program uses the state’s CHAMP application portal, and eligibility includes proof of disability and income limits similar to MRVP.
To apply and find more details, visit https://resources.agingservicesma.org/articles/alternative-housing-voucher-program-2/.
Section 8 and Fair Housing Laws
Federal Section 8 Housing Choice Vouchers are managed locally by Public Housing Authorities (PHAs) across Massachusetts. They provide substantial rental subsidies and limit tenants’ payments to about 30% of their income. Vouchers can be used in both public and private housing, offering flexibility for those with accessibility needs.
In Massachusetts, disabled tenants also benefit from state-level protections under Chapter 151B, which requires newer multi-unit buildings to include accessible features. These laws also ensure that landlords provide reasonable accommodations, such as service animal acceptance or unit modifications.
If you experience housing discrimination, you can file a complaint through the U.S. Department of Housing and Urban Development.
Visit https://www.huduser.gov/portal/periodicals/cityscape/vol26num2/ch4.pdf for more information.
Housing Navigator MA and MyMassHome
Housing Navigator MA is an easy-to-use search platform that allows individuals to find affordable and accessible housing listings throughout the state. Users can filter listings by accessibility features, income limits, and location preferences. It’s especially helpful for people who need ground-floor units, no-step entries, or roll-in showers.
MyMassHome, a companion platform, supports renters and buyers by offering tools for homeownership readiness and information about state-funded programs.
You can explore listings and tools at https://housingnavigatorma.org/.
Home Modification Loan Program (MassHousing)
This program offers 0% to low-interest loans to people with disabilities or households that include a disabled family member. The goal is to fund accessibility renovations like ramps, accessible bathrooms, wider doors, and stair lifts.
The maximum loan amount varies by region, but borrowers can typically receive between $1,000 and $50,000, depending on the project scope. Unlike traditional loans, there are no monthly payments until the home is sold or refinanced, making the program accessible even for those on tight budgets.
Eligibility includes income verification and proof of need for the modification.
To see how the program works in your area, visit https://www.masshousing.com/.
Local Municipal Accessibility Grants
Many municipalities in Massachusetts, such as Boston, Cambridge, Worcester, and Springfield, offer their own accessibility-related grants and programs. These grants are typically used for minor home modifications like installing grab bars or widening doorways, but they can be vital for maintaining independence.
Each city or town sets its own rules, so it’s important to contact your local Office of Housing, Community Development, or Disability Services to learn what’s available.
Check your city’s official website to learn more.
Housing Consumer Education and Support Services
The Department of Housing and Community Development funds regional Housing Consumer Education Centers (HCECs) that offer free support to renters. These centers help individuals apply for programs like MRVP, AHVP, and Section 8, and they also offer eviction prevention, budgeting help, and landlord mediation. To connect with a local HCEC, visit https://www.metrohousingboston.org/our-programs/housing-stability/housing-consumer-education-center-hcec/.
Additionally, Independent Living Centers (ILCs) provide one-on-one help for people with disabilities navigating housing options. They also assist with requests for reasonable accommodations and modifications. For more information, visit https://masilc.org/cils/.
Key Tips for a Stronger Application
- Start early: Waiting lists can be long—some over a year—so don’t delay your application.
- Get your documents in order: Make sure you have your proof of disability, income verification, and ID ready.
- Use CHAMP for state programs: It’s the central online application for MRVP and AHVP.
- Follow up: Always check on your application status and reapply annually if required.
- Seek help when needed: HCECs and ILCs are trained to help you navigate confusing paperwork and avoid common mistakes.
Building a Complete Support Network
Housing assistance works best when paired with other forms of support. If you’re struggling to pay utilities, consider the programs in our guide to utility bill assistance for disabled individuals. For broader financial support, including cash grants and emergency aid, explore our page on financial assistance for disabled people. And for a full list of Massachusetts-specific programs—including education and employment help—see grants for disabled people in Massachusetts.
Conclusion
Massachusetts offers a strong safety net for disabled individuals seeking housing, whether through rent vouchers, accessibility loans, searchable housing platforms, or legal protections. While the process can be slow and occasionally complex, knowing where to look and how to apply makes all the difference. Combine tools like MRVP, AHVP, Housing Navigator MA, and local municipal grants to build the stable, accessible home you deserve.
Don’t forget to strengthen your support system by exploring additional resources on our site—utility help, financial assistance, and local grants all play a role in long-term housing stability.
