Understanding Chicago’s ARO Program: Affordable Housing for All
The Affordable Requirements Ordinance (ARO) is a crucial part of Chicago’s efforts to create and preserve affordable housing for low- and moderate-income residents. If you’re searching for affordable housing in Chicago, understanding how ARO works can open up new opportunities. This page breaks down who qualifies for ARO, how developers contribute affordable units, and what renters and homebuyers need to know to apply.
What is the ARO Program?
Chicago’s Affordable Requirements Ordinance requires developers to include affordable housing units when they build large residential projects that receive city assistance or zoning changes. This ensures that as the city grows, new affordable options become available across neighborhoods.
Who Qualifies for CHICAGO ARO Housing?
To qualify, applicants must meet income limits set by the city each year. These limits are based on Area Median Income (AMI) and household size. We provide a full breakdown of the current eligibility requirements here: eligibility.
To qualify for an ARO unit, your household income must fall below a specific percentage of Area Median Income (AMI), which varies based on the property and unit type. Typical ARO units are targeted at households earning 60% to 80% of AMI.
You’ll also need to meet basic eligibility criteria, such as:
✅ Being a Chicago resident (or planning to move to Chicago)
✅ Meeting household size requirements for the unit type
✅ Providing proof of income, identification, and rental history
What is AMI? (Area Median Income)
AMI stands for Area Median Income, which is a measurement used by the U.S. Department of Housing and Urban Development (HUD) to determine income eligibility for affordable housing programs. AMI represents the midpoint of all household incomes in a specific area—in this case, the Chicago metropolitan area.
Why is AMI Important for ARO?
In the ARO program, income limits for applicants are directly tied to AMI. To qualify for an ARO unit, your household income must fall below a certain percentage of the AMI, depending on the specific property and unit type.
For example:
Some ARO units are set aside for households earning 60% of AMI or below.
Other units may allow households earning up to 80% of AMI.
How Does AMI Impact Rent in ARO Units?
The rent charged for ARO units is calculated to ensure that housing costs (rent + required fees) do not exceed a set percentage of household income—usually 30% to 40% of income within the qualifying AMI band.
For example, if you qualify at 60% AMI, your rent will be set to ensure that housing costs fit within that income level.
Why AMI Matters to Applicants
Understanding your household’s income compared to AMI helps you know:
Whether you qualify for ARO housing.
Which ARO units you are eligible for (some units target different AMI levels).
What your estimated rent will be.
How to Find ARO Units
You can browse current ARO listings by clicking the link here: CURRENT ARO APARTMENT LISTINGS. This includes both rental units and for-sale homes. Each listing specifies income requirements and application deadlines.
Are there any fees to apply for ARO apartments?
Some properties may charge a non-refundable application fee and administrative fee, but no applicant should be charged “extra” just for being part of the ARO program. Administrative fees must be credited to first month’s rent. If you have concerns about fees, contact the property manager directly.
Can I use a Section 8 voucher with an ARO apartment?
Yes, many Chicago ARO units accept Section 8 vouchers, but this is determined by the property owner. If you have a voucher, mention this when applying and confirm that the building accepts it.
What if I’m denied an ARO apartment?
If your application is denied, you have the right to:
Request an explanation for the denial.
Appeal the decision if you believe it was made unfairly.
Apply to other ARO units — each building manages its own application process.
Where can I get help applying for affordable housing in Chicago?
If you need assistance, you can contact:
Housing counseling agencies approved by the City of Chicago
Local community organizations offering affordable housing supportCan Students Apply?
Can Students Apply?
If you are enrolled as a full-time student, you will need to meet one of the exemptions listed on the Student Status Affidavit and submit proof to verify your exemption. If you are unable to provide this documentation, your application will be denied."
Benefits of ARO Housing
Lower rent or purchase prices compared to market rates
Access to quality housing in desirable neighborhoods