Verification of housing costs is not required for SNAP. Allow the following housing costs when determining the excess shelter deduction:
Rent or Mortgage Payments
Allow ongoing current charges for the home where the SNAP unit lives. These charges include: rent, mortgage payments, condo and association fees, loan repayments for the purchase of a mobile home, and other charges that lead to the ownership of the residence. This also includes any interest on such charges.
Extra charges that are billed by the landlord as part of the rent such as cable, pets fee, washer, dryer, and parking may be allowed as rent. Use the appropriate utility standard if the SNAP unit incurs utility expenses that are not included in the rent (see PM 13-01-08-b and WAG 13-01-08-a). Do not allow a utility standard if the rent includes all utilities.
Example: Mr. B's lot rent is $100. He also pays water and sewerage $8, garbage $4, cable $15, and a pet fee of $10 to the landlord. Allow the lot rent, cable charge, and pet fee as part of the rent. The total amount of Mr. B's rent is $125. He is billed by the utility company for heat. Mr. B qualifies for the Air Conditioning/Heating Standard.
Payments Made in Advance
If a SNAP unit makes payments in advance, allow the current charges without regard to when it is actually paid.
Example: Mr. B's rent is $350 a month. He received an income tax refund of $1,050 in February and used the money to pay his rent 3 months in advance (March, April, May). Continue to allow Mr. B a housing cost of $350 for each month.
Shared Household Expenses
If housing costs are shared with another family, only allow the SNAP unit's share. The unit's share is the amount that the unit is responsible for paying.
One-time Only Expenses
Do not allow as housing costs onetime only charges, such as security deposits, closing costs, late fees, or penalties.
Illinois Hardest Hit Fund (HHF)
See PM 08-04-04-o for policy on the treatment of income and shelter expenses under the Illinois Hardest Hit Fund.
Group Home Residents
For a resident of a group home, including a CILA, allow the amount the group home states the client pays for shelter expenses, including utilities, as a housing cost for SNAP benefits.
Supportive Living Facility (SLF) Residents
- For a Supportive Living Facility (SLF) resident who receives Medical assistance and lives alone, the monthly housing cost is equal to the current SSI rate for an individual, less $90. For an SLF resident who receives Medical assistance and shares an apartment, the monthly housing cost is equal to 1/2 of the current SSI rate for a couple, less $90.
- When spouses who receive Medical assistance live together and are a single SNAP unit, the monthly housing cost is equal to the current SSI rate for a couple, less $180.
- For a private pay SLF resident, the SLF is not limited to charging the person at the SSI rate less $90, for housing costs. Verify the amount of the private pay housing costs that the resident is responsible for paying.
Taxes and Insurance
- Allow property taxes, State and local assessments, and homeowner's insurance, as housing costs. Do not allow the cost of a separate rider for insuring furniture or personal property. If these costs are shared with another family, only allow the SNAP unit's share.
- Do not allow that portion of rent or mortgage that was also allowed as a cost of doing business.
- If the SNAP unit lives with an ineligible unit member who is excluded from the unit, and the excluded member is billed or pays for the expense, see PM 05-03-00 to determine the allowable expense amount.
Shelter Expenses for Homeless SNAP Households
See PM 06-04-03 and WAG 06-04-03 for treatment of shelter expenses incurred by a SNAP homeless household (PM 06-04-02) during the month.