Affordable housing in Texas is built through public-private partnerships.
The Building Blocks of Affordable Housing:
FEDERAL HOUSING TAX CREDIT (LIHTC)
The federal Housing Tax Credit is the primary driver of affordable rental housing development in Texas, using private investment to finance long-term affordable homes for working families, seniors, veterans, and essential workers.
Resources:
TAAHP: Texas QAP & TDHCA Updates
National Council of State Housing Agencies (NCSHA) — Housing Credit Overview
Novogradac LIHTC Resource Center
Affordable Housing Tax Credit Coalition (AHTCC)
Texas Department of Housing & Community Affairs (TDHCA) Housing Tax CreditsPRIVATE ACTIVITY BONDS (PABS)
Private Activity Bonds are tax-exempt financing tools commonly paired with 4% Housing Tax Credits to reduce borrowing costs and support affordable multifamily and workforce housing development.
Resources:
TAAHP: Texas QAP & TDHCA Updates
TAAHP: Policy Positions
Council of Development Finance Agencies (CDFA) — Bond Finance Resources
Texas Bond Review Board
National Multifamily Housing Council (NMHC) — Housing Finance Resources
Internal Revenue Service (IRS) — Private Activity Bonds OverviewSTATE HOUSING TAX CREDIT
Texas’ State Housing Tax Credit program provides additional financing support that helps close funding gaps and expand affordable housing development across the state.
Resources:
TAAHP: Policy Positions
Texas Department of Housing & Community Affairs (TDHCA)
Texas Legislature Online
Novogradac State Housing Tax Credit ResourcesFEDERAL HOUSING PROGRAMS
Federal programs such as HOME, CDBG, and other HUD initiatives provide critical funding support for affordable housing, infrastructure, and community development efforts across Texas.
Resources:
TAAHP: Policy Briefs & Research
U.S. Department of Housing & Urban Development (HUD)
HUD Exchange — HOME Investment Partnerships Program
HUD Exchange — Community Development Block Grant (CDBG) Program
National Low Income Housing Coalition (NLIHC) — Federal Policy ResourcesLOCAL HOUSING TOOLS & PARTNERSHIPS
Local governments, Housing Finance Corporations, and Public Facility Corporations help support workforce housing development through regional partnerships and local incentive programs.
Resources:
TAAHP: Policy Positions
Texas Local Government Code — Housing Finance Corporations
Texas Department of Housing & Community Affairs (TDHCA)
Council of Development Finance Agencies (CDFA)
Urban Land Institute (ULI) — Housing & Development Resources
