Searching for an apartment as a single mother can be stressful, especially when your income includes Supplemental Security Income (SSI) and every dollar has to cover rent, childcare, and groceries. While there isn’t a special nationwide category called “SSI apartments,” many affordable rentals and subsidized communities do accept SSI as qualifying income.
The key is finding housing priced within your budget, located near schools and support networks, and able to accommodate any disability-related needs in your household. This guide explains where to look, what to ask, and how to apply.
How SSI fits housing searches for single mothers
SSI is designed to support people with limited income and resources who are elderly, blind, or disabled. Single mothers may receive SSI themselves, or their child may receive SSI—either way, it can count as income when applying for housing. The practical goal is to find rentals where the screening process recognizes SSI documentation and where monthly costs stay realistic after utilities and transportation.
Where to look for apartments that accept SSI income
Start with organizations that routinely work with fixed-income households:
- Public Housing Authorities (PHAs): Ask about public housing and Housing Choice Voucher (Section 8) availability and waitlists.
- Nonprofits and local housing counselors: Many help with applications, document prep, and referrals.
- Affordable housing property managers: Look for income-restricted communities and ask directly how SSI is verified.
- Local referral lines and community resources: Calling 2-1-1 can help you find nearby housing support services.
What to prioritize as a single mom
Beyond rent, focus on day-to-day logistics and stability. When you compare options, consider:
- Access to childcare, schools, and public transportation
- Safety features and the surrounding neighborhood
- Reliable maintenance and clear lease terms
- Accessibility needs (for you or your child), such as elevators, ramps, or bathroom safety features
- Budgeting for the full monthly cost
SSI may cover only part of your total housing expenses, so calculate the full picture. In addition to rent, estimate utilities, internet/phone, laundry, parking, and commuting costs. If your household has disability-related needs, also plan for any required accommodations or services.
Application tips (to avoid delays)
Most properties or programs will ask for documentation and may have waiting lists. Prepare early:
- Proof of SSI benefits
- Income information and any other resources
- Identification and household information
- Notes on accommodations needed (if applicable)
Applying to multiple properties can improve your chances, and local housing agencies can often walk you through program-specific requirements.
