Using SSI & SSDI for Housing in Chicago: What You Need to Know

If you receive SSI (Supplemental Security Income) or SSDI (Social Security Disability Insurance), finding affordable housing in Chicago is possible. Here's what you need to know.

Understanding SSI and SSDI

SSI provides monthly payments to people with limited income and resources who are 65 or older, blind, or disabled. SSDI pays benefits to those who are unable to work due to a disability. Both can be used to pay for housing.

How Much Can You Afford?

With SSI benefits averaging around $943/month in 2025, and SSDI varying based on work history, you'll want housing that doesn't exceed 30% of your income. At Harmony Homes, our shared housing starts at $750/month, making it accessible for those on fixed incomes.

Documentation You'll Need

• Social Security card
• Proof of SSI or SSDI award letter
• Bank statements showing direct deposit
• Photo ID
• Any relevant medical documentation

Housing Options That Accept SSI/SSDI

Many shared housing providers in Chicago accept SSI and SSDI as valid income sources. Look for:

• Shared housing with all-inclusive rent
• Properties with on-site management
• Housing that accepts alternative documentation
• Furnished rooms with flexible lease terms

Tips for Approval

When applying for housing with SSI/SSDI income:

• Get your award letter before applying
• Have 3-6 months of bank statements ready
• Show consistent direct deposits
• Be honest about your income and situation
• Ask about payment plans if needed