16/01/2026
Home is an important place. It’s where you feel safe, comfortable, and free to be yourself.
The NDIS helps people with disability live more independently at home, but it’s important to understand what the NDIS does and does not pay for.
What the NDIS does NOT pay for
The NDIS does not pay for housing itself, such as:
• Rent or mortgage payments
• Groceries
• Electricity, gas, or water bills
These are considered everyday living costs.
What the NDIS CAN help with
The NDIS can fund supports related to your disability that help you:
• Find a home
• Set up your home
• Live more independently in your home
These supports must be “reasonable and necessary” and directly related to your disability.
Types of housing most people use
Most NDIS participants live in:
• Private rental housing
• Their own home
• Social or community housing (provided by state or territory governments)
Housing-related supports the NDIS may fund
1. Home modifications
The NDIS may fund changes to your home if they help with safety, access, or care needs, such as:
• Ramps
• Bathroom modifications
• Wider doorways
This can apply to:
• Your own home
• A private rental (with landlord or body corporate permission)
• Social housing (only if agreed by the housing provider and approved by the NDIS)
An Occupational Therapist (OT) assessment is required.
2. Supports to build independence
The NDIS may fund supports to help you:
• Build daily living skills
• Learn money and household management
• Increase independence in the community
3. Housing transition supports
If your disability makes it hard to find or set up housing on your own, the NDIS may fund support to help with:
• Searching for housing
• Applying for rentals
• Moving in and setting up your home
4. Individualised Living Options (ILO)
ILO are flexible and personalised living arrangements based on how you want to live.
You might:
• Live alone
• Share with others
• Receive tailored supports in your own home
ILO is about support, not paying for the house itself.
5. Assistive Technology and in-home supports
The NDIS may fund:
• Assistive Technology (AT) to help with everyday tasks
• In-home supports to help with personal care, household tasks, or daily activities
Housing supports NOT funded by the NDIS
Other systems provide housing itself, including:
• Social and community housing
• Emergency or homelessness services
• Commonwealth Rent Assistance
• National Rental Affordability Scheme
These are funded by state, territory, or federal governments, not the NDIS.
Finding the right housing
Where you live should suit your needs and goals.
If you need help looking for housing, the NDIS may provide Capacity Building funding to support you with this.
It’s important to talk about your housing needs with:
• Your LAC (Local Area Coordinator)
• Your NDIS planner
This should happen during your planning meeting or plan reassessment.
Specialist Disability Accommodation (SDA)
SDA is for a small number of participants with:
• Extreme functional impairment, or
• Very high support needs related to mobility, personal care, and daily activities
To be eligible, you must meet strict criteria and provide detailed evidence to the NDIS.
If SDA is not suitable, the NDIS may recommend other Home and Liv