Introduction: Four years of managing a housing network for people with disabilities prompted a rethinking of the financial management of the services offered. Clients with different needs require diverse professional staff for their home care. Emergency situations require that professionals offering assistance maintain the highest level of education possible. Financial resources often limit the quality of care for people with disabilities. Method: This paper is based on a literature search and on professional experience (Dana Pugh) in the management of a housing program for people with disabilities in Cleveland, Ohio (USA). Findings: In Poland, people with disabilities usually live with their families, and specialized services are offered outside their place of living. However, community housing is being developed to resemble the family home. In the United States, individuals with disabilities often live in housing with specialized basic assistance. To improve living conditions, we suggest stratifying different levels of care to offer specialized services relative to the needs of residents at each level. Discussion: An international approach to the care of people with disabilities allows for a comparison of different methods of service delivery, depending on financial resources, community traditions, and the professional knowledge of care providers. The authors suggest a specific model of service that promotes a high quality of professional knowledge despite financial constraints.