2026-06-25

79. Deputy Eoin Ó Broin asked the Minister for Housing, Local Government and Heritage for an update on his review of the income eligibility thresholds for social housing support. [48578/26]

As the Minister knows, a growing number of working people, as a result of very modest increases in their wages, are being removed from local authority social housing waiting lists when their means assessment comes under review. I know the Minister is looking at this matter and his party colleagues and backbenchers from Fianna Fáil and Fine Gael are raising it with him regularly. Will he give us an update on the review of social housing income limits and some indication as to whether it is his intention to act on it this year?

I thank the Deputy for this question about income eligibility thresholds for social housing support. Applications for social housing support are assessed by the relevant local authority in accordance with the eligibility and needs criteria set down in section 20 of the Housing (Miscellaneous Provisions) Act 2009 and the associated Social Housing Assessment Regulations 2011, as amended. The 2011 regulations prescribe maximum net income limits for each local authority in different bands according to the area concerned, with income being defined and assessed according to a standard household means policy. The baseline income thresholds are €40,000, €35,000 and €30,000 for bands 1, 2 and 3, respectively. These thresholds are net income, which is gross household income less income tax, PRSI, universal social charge and additional superannuation contribution. Income is defined and assessed according to a standard household means policy, HMP. The policy provides for a range of income disregards and local authorities have discretion to disregard income that is once-off, temporary or short-term in nature, and which is outside the regular pattern of a person's annual income. The income bands are expressed in terms of a maximum net income threshold for a single-person household, with an allowance of 5% for each additional adult household member, subject to a maximum allowance under this category of 10%, and separately a 2.5% allowance for each child. My Department has been examining the existing income limits in the context of current market and household income conditions, including the suitability or otherwise of the current framework, having regard to the significantly changed landscape since the standardised income limits were introduced. This includes examining the findings of research commissioned by my Department and this work is ongoing. I envisage that the analysis will be concluded shortly to facilitate a final determination on next steps. I am also keen to put in place a more structured and frequent process for the review of these limits going forward.

There really is an urgency to progress and conclude the work of the Department. I strongly recommend in the first instance that there is an immediate increase in the income eligibility thresholds. I am strongly of the view, and I know the Minister is considering this, that beyond an immediate increase there needs to be a more rational system of linking those thresholds to an index, whether that is net household income or some other independent index, so the thresholds track that in real time. There is a need to look at the disregards, and whether carers' allowance, disability allowance and certain other payments should continue to be assessed is a matter of some concern. There is also the issue of secondary earners. We increasingly have a case where adults are being forced to live at home because of the housing crisis. That is having significant impacts on eligibility. I also urge the Minister to look again at the three month look-back income assessment. It is far too rigid. When there are significant changes in circumstance you are not seeing those being taken account. Significant one-off payments can be but not changes of income circumstance or of employment and that is creating real difficulties.

I agree with the Deputy. The situation for a long time has been that as social welfare or other family support payments increase, average household incomes increase, and the Department of housing rightly faces calls to increase the limits. We go through this process and there is the opposite of a cliff edge where the numbers all go up. I want to not only increase the limits but bring an end to that kind of process, so people and local authorities have a better understanding of where we are going rather than the process there to date, which is not satisfactory for anybody. My intention is to have this in the near future. I am finalising the proposals for it in order that we can get the limits increased and put a procedure in place, so it is not this constant position where we are depending on the Minister and the ability of the Department and of the workload to see whether or not increases will happen. It is not an appropriate way to deal with it.

I again stress the urgency of this. The longer this takes the more families will lose their position on the list. I am dealing with a family in my constituency. Both are working and have had a modest increase in their income. They are currently homeless and in emergency accommodation through no fault of their own. They were recently given an offer of council accommodation but in the income reassessment, they were marginally above the threshold. We have had it reviewed, and the local authority has acted completely in compliance with the eligibility threshold. Those people are not only going to lose their more than ten years on the list but they now have no exit out of emergency accommodation because they simply cannot afford private rents from their own income. I am sure when the Minister talks to his own backbenchers he will hear that these real live cases are happening everywhere. There are three other issues I would ask the Minister to consider. The first is to completely get rid of band 3. There is simply no reason to have a third band. It is an out of date concept. There is an argument in the larger urban areas and their commuter belts to have a higher rate than a second band but I do not believe a third band is needed. I also urge the Minister to publish the research as soon as he can and, if possible, to engage with our committee, to not delay anything and to get the experience of committee members on the ground before he makes his final decision. Crucially, that decision needs to be made as soon as possible.

I think we are very much in agreement on the general direction of where we need to go in relation to social housing threshold limits. The way I look at this is that there is a spectrum. Everybody needs to be able to get a home in their local community based on their needs. Whether that is purely private or with supports, affordable purchase, cost rental or social housing, it is about ensuring on that spectrum that people have not only an entitlement but availability so they can benefit and get a home in their local community. That will be to the front of my mind in the coming weeks, and I look forward to hearing the views of the Oireachtas committee when we publish these changes.