What michigan city housing authority does

Michigan City Housing Authority (MCHA) is a public housing authority established in 1961 under Indiana state law to administer federally-subsidized affordable housing programs within Michigan City, Indiana. Operating as an independent political subdivision of the State of Indiana and governed by a Board of Commissioners, MCHA is the designated local administrator of HUD housing programs for its jurisdiction. The organization serves low-income individuals and families, seniors aged 62 and older, and individuals with disabilities, while also engaging private landlords as channel partners in the Housing Choice Voucher program. As of the most recent operational update, all waiting lists are closed, indicating that housing demand exceeds current capacity.

MCHA delivers housing assistance through three core programs: the Housing Choice Voucher (HCV) Program, which provides rental subsidies enabling low-income households to lease units in the private market; the Public Housing Program, consisting of MCHA-owned and operated affordable apartment units; and the Conventional Housing Program, which offers market-rate units managed by the authority to the general public. Program operations run on the PHA-Web Applicant Portal, a secure online system handling applications, eligibility verification, waiting list management, and dedicated family and landlord logins. The authority also administers voucher portability, allowing participants to transfer rental assistance across housing authority jurisdictions, and has built a network of 50+ local partner agencies that provide wraparound supportive services including financial literacy, job training, and educational resources.

MCHA's revenue is derived from federal HUD appropriations distributed through formula-based funding mechanisms covering HCV administrative fees and Housing Assistance Payments, Public Housing operating subsidies, and capital fund programs. No fees are charged to applicants or residents; rents for subsidized programs are set at approximately 30% of adjusted family income, with HCV payment standards covering the balance up to defined limits. The organization operates from a single office at 621 East Michigan Boulevard, Michigan City, Indiana, with business hours Monday through Friday and an after-hours emergency maintenance line. MCHA does not have equity funding, subsidiaries, or M&A activity, consistent with its status as a government entity rather than a commercial enterprise.

Name

michigan city housing authority

Legal name

Housing Authority of the City of Michigan City, Indiana

Website

https://emcha.org

Company type

Private

Founded year

1961

Operating status

Operating

Short description

Michigan City Housing Authority is a public housing authority established in 1961 that administers HUD-funded Housing Choice Vouchers, Public Housing, and Conventional Housing programs for low-income families, seniors, and individuals with disabilities in Michigan City, Indiana.

Ownership category

akta.pro rank

Product category

Public Housing Administration

NAICS

Administration of Housing Programs (925110), Lessors of Residential Buildings and Dwellings (53111)

SIC

Operators Of Apartment Buildings (6513), Real Estate Operators (No Developers) & Lessors (6510), Services-To Dwellings & Other Buildings (7340)

akta.pro primary industry

Public & Affordable Housing Programs (Subsidies, Vouchers, Public Housing) (BPAIANAA)

akta.pro secondary industries

Housing & Neighborhood Services (Local Housing Programs) (BPAIACAJ), Housing Voucher & Rental Assistance Programs (Tenant-Based/Project-Based) (FSALAKAI), Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF), Affordable & Subsidized Housing Property Management (LIHTC, Section 8) (BPAJAFAD), Affordable & Public Housing Asset Management (BPAJAMAI)

Keywords

• Public housing administration
• Housing choice vouchers
• Affordable rental housing
• Rental assistance programs
• Government housing services

Headquarters

HQ city

Michigan City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Others

Revenue model

1. HUD Federal Housing Subsidies: MCHA receives federal funding from the U.S. Department of Housing and Urban Development (HUD) to administer housing programs including Housing Choice Vouchers, Public Housing, and Conventional Housing. Revenue is distributed through HUD's funding formulas based on factors including unit counts, voucher utilization, and local housing market conditions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Michigan City Housing Authority administers federally subsidized affordable housing programs for low-income individuals, families, seniors, and persons with disabilities in Michigan City, Indiana. Its core offerings are the Housing Choice Voucher (HCV) rental assistance program, the Public Housing program of MCHA-owned and managed affordable units, and the Conventional Housing program of market-rate units. Applications are processed through the PHA-Web Applicant Portal and in-person at the main office.

Product overview

The Michigan City Housing Authority (MCHA) operates a unified housing assistance platform offering three distinct programs: the Housing Choice Voucher (HCV) Program enables low-income families to find private-market rental housing with subsidy support; the Public Housing Program provides MCHA-managed affordable apartments for qualifying families, seniors, and people with disabilities; and the Conventional Housing Program offers market-rate units to the general public. These programs collectively address housing instability across different income levels within the Michigan City community.

Differentiator

Problem solved

Functional benefit

Products and services

• Housing Choice Voucher (HCV) Program Rental assistance program providing eligible low-income individuals and families with federal subsidies to choose safe, decent housing in the private market, including apartments, townhomes, and single-family homes. Serves MCHA applicants and voucher holders in Michigan City, Indiana.
• Public Housing Program Affordable apartment units owned and managed by MCHA for qualifying low-income families, seniors (62+), and individuals with disabilities, located in well-maintained communities throughout Michigan City, Indiana.
• Conventional Housing Program Market-rate housing options for individuals and families who may not qualify for income-based assistance but still need affordable rent. Units are managed directly by the Housing Authority and are available to the general public.

Quantifiable outcome

• 1,200+ residents supported across all housing programs annually
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Local Partner Agencies and OrganizationscoreStrategic or Co-development PartnerMCHA partners with 50+ local organizations to provide residents with access to financial literacy programs, job training, and educational resources. These partnerships enhance the supportive services available to housing program participants beyond basic shelter.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Chicago Housing Authority: Large regional PHA administering HUD-funded HCV, public housing, and affordable housing programs across Chicago. Directly comparable as a fellow HUD-designated housing authority operating the same federal program mix as MCHA, though at much larger scale.
• Indianapolis Housing Authority: Indiana's largest municipal housing authority administering HCV and public housing programs in Indianapolis. Directly comparable to MCHA as a fellow Indiana-based PHA running the same federal housing programs.
• South Bend Housing Authority: Regional PHA in northern Indiana administering HCV and public housing for South Bend residents. Direct peer operating similar program portfolio in adjacent Indiana geography.
• Gary Housing Authority: Indiana-based PHA administering HUD federal housing programs in Gary. Directly comparable to MCHA given shared state regulatory environment and similar program structure.
• Hammond Housing Authority: Indiana PHA administering HCV and public housing in Hammond. Comparable small-to-mid size peer in same state with similar HUD program mix.
• Fort Wayne Housing Authority: Indiana-based PHA administering HUD housing programs in Fort Wayne. Comparable to MCHA as a fellow Indiana municipal housing authority with similar scale and program offerings.
• Cincinnati Metropolitan Housing Authority: Mid-size metropolitan PHA administering HCV, public housing, and affordable housing programs in Cincinnati. Directly comparable program mix and administrative structure to MCHA.
• Milwaukee Housing Authority: Mid-size PHA administering HUD programs in Milwaukee with similar HCV and public housing structure. Comparable to MCHA as a Midwest municipal housing authority.
• Housing Authority of the City of Evansville: Indiana-based PHA administering HUD housing programs in Evansville. Closely comparable to MCHA in scale, state regulatory environment, and HUD program mix.

Broad incumbents

• Detroit Housing Commission: Large Michigan-based PHA operating HCV and public housing programs in Detroit. Comparable program structure to MCHA, though operating at significantly larger scale and with broader portfolio.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about michigan city housing authority