Fair Housing

Under the federal Fair Housing Act, the 'Mrs. Murphy exemption' applies to:

ASenior housing communities with 80% of units occupied by persons 55+
BOwner-occupied buildings with four or fewer units where the owner resides in one of the units✓ Correct
CReligious organizations that restrict housing to their members
DSingle-family homes sold without the use of a real estate broker

Explanation

The 'Mrs. Murphy exemption' (named for a hypothetical small landlord) exempts owner-occupied buildings with four or fewer units from most of the Fair Housing Act's prohibitions. The owner must actually reside in one of the units. However, this exemption does NOT apply to race-based discrimination (still prohibited), does not apply in Illinois under the broader Illinois Human Rights Act, and does not permit discriminatory advertising.

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