About the Housing Credit

The Housing Credit has created and preserved more than three million affordable homes for veterans, seniors, working families – from teachers and nurses to administrative employees and social workers – and people with special needs. The Housing Credit is America’s only significant source of affordable housing supply today.

Established in 1986, the Housing Credit harnesses the power and accountability of the private sector, incenting investment in the development of affordable housing that the market alone cannot provide.

State administration reduces federal costs and bureaucracy and ensures that properties serve the unique housing needs of urban, suburban, and rural communities nationwide.

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A proven tool to address America’s affordable housing crisis: As rents continue to rise and wages remain stagnant, today there are 21 million households paying more than 30 percent of their income on rent with nearly 11 million paying more than half of their income. To address this crisis, the Housing Credit produces and preserves more affordable housing than any other program.

Part of America’s infrastructure of opportunity: For disabled, elderly and low-income Americans, high rents mean dangerous tradeoffs between bills, health care, and food, sometimes resulting in multiple moves and making it nearly impossible to hold a steady job or succeed in school. The Housing Credit has provided stable, affordable homes for seven million households, offering an opportunity to grab a rung on the ladder of upward mobility, freeing up income for other necessities, and providing a stable foundation to improve one’s own life.

A job-creating, economic stimulus for communities: The Housing Credit annually generates more than $9 billion in wages and business income and supports more than 110,000 jobs nationwide, increasing consumer spending and providing states and municipalities with tax revenue to reinvest in communities. Over its history, the Housing Credit has leveraged over $100 billion in equity capital.

Pay for performance, uniquely accountable: Unlike in a direct spending program, private investors – not the federal government – provide equity capital up front and bear the financial risk of development. Investors can claim credits only after properties are built and occupied by income-eligible residents at affordable rents. And, credits are subject to recapture if, in rare cases, properties fall out of compliance.

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Latest Event

Affordable Housing Forum and Charles L. Edson Tax Credit Excellence Awards

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Latest Blog Post

2020 Edson Awards Applications Now Open

The Affordable Housing Tax Credit Coalition (AHTCC) is pleased to announce the opening of the 2020 Charles L. Edson Tax Credit Excellence Awards, which recognize Low-Income Housing Tax Credit (Housing Credit) developments across the nation at the forefront of creating stronger, healthier communities. Award recipients will be honored at an awards ceremony on Wednesday, June

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New Members

Ohio Housing Council
Wells Fargo
Pennsylvania Developers' Council
Housing Alliance of Pennsylvania
Key Bank

The Housing Credit Is Flexible In Serving Diverse Populations And In Meeting Local Needs:


For the 18 million children living in low-income families who pay more than 30 percent of their income on rent, necessities like food, school supplies, and healthcare are not guaranteed.

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For these families, affordable housing makes a real difference by freeing up limited income, providing a foundation from which parents can advance their careers, and giving children a safe and stable home to study and grow. Contact your members of Congress now to encourage them to support the Housing Credit!


Nearly five million older adult households spend more than half of their income on rent. They face difficult tradeoffs between paying their bills, buying medications and food, and meeting their other needs.

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As the senior population continues to grow and rents continue to rise, so too will the number of seniors who are burdened by the cost of housing. The Housing Credit can help by incentivizing the production of affordable homes for seniors. Contact your members of Congress now to encourage them to support the Housing Credit!


There are approximately 58,000 homeless veterans, while an additional 1.4 million veterans are at risk of homelessness. WATCH VIDEO

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The Housing Credit attracts private investment to communities designed for veterans. Affordable housing combined with supportive services protects at-risk veterans from homelessness and gives the formerly homeless a place to thrive. Contact your members of Congress now to encourage them to support the Housing Credit!

Supportive Housing

Individuals with disabilities may experience limited job opportunities, reducing the income they can contribute toward rent and other necessities.

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Supportive housing financed through the Housing Credit provides much-needed affordable rental housing while empowering individuals and families to learn, grow, and meaningfully engage with their communities. Contact your members of Congress now to encourage them to support the Housing Credit!