Finding reliable New York rent relief is a critical step toward achieving housing stability during financial hardship. While assistance has evolved since the COVID-19 pandemic, a network of city, state, and local support systems remains available to help tenants pay rent and avoid eviction.

These programs have specific eligibility requirements and application processes. They are designed to provide a crucial safety net for individuals and families across the state. Understanding which programs are active, who they serve, and how to access them is the first step toward securing the help you need.

The Current State of Rent Relief in New York

The conversation around rental assistance in New York often focuses on large-scale emergency programs. However, the system has shifted from a crisis-response model to an ecosystem of ongoing, targeted support. It is essential for tenants to understand this shift to find the right resources.

Status of the NYS Emergency Rental Assistance Program (ERAP)

The New York State Emergency Rental Assistance Program (ERAP) was a historic, federally funded initiative addressing the economic fallout of the COVID-19 pandemic. Administered by the New York State Office of Temporary and Disability Assistance (OTDA), it provided billions to help households with rent arrears, temporary rental assistance, and utility arrears. By June 2023, ERAP had distributed nearly $3.1 billion to over 248,057 applicants.

A critical point for tenants is that the ERAP application portal stopped accepting new applications on January 20, 2023. Individuals can no longer submit new applications or complete those started but not submitted before the deadline.

For those who applied before the portal closed, the process continues. OTDA is still reviewing and processing eligible applications in the order they were received. Tenants with a pending application can and should continue to upload required documents. To check an application's status, contact the OTDA ERAP Hotline at 844-NY1-RENT (844-691-7368).

The state also created the Landlord Rental Assistance Program (LRAP). This separate fund assisted landlords whose tenants were unwilling to participate in ERAP or had already vacated a property with arrears. 

From Emergency Aid to Ongoing Support

The closure of the ERAP portal marks a significant transition. The system has moved from a single emergency fund to a multifaceted array of established city and state rental supplement programs. These ongoing programs address systemic issues of housing instability that existed long before the pandemic.

For tenants needing help now, the path is no longer through a single statewide portal. Instead, the focus is on identifying the specific city, county, or state program that matches their individual circumstances, such as location, income, and housing situation.

Active Rental Assistance Programs for NYC Residents

New York City offers several robust programs to prevent homelessness and help residents pay rent. A household's specific circumstances—particularly whether they are in the city's shelter system or at risk of entering it—determine which program is the right fit.

City FHEPS: A Lifeline for Housing Stability

The City Fighting Homelessness and Eviction Prevention Supplement (City FHEPS) is one of NYC's most significant rental assistance programs. It provides long-term stability by paying a portion of a household's rent for up to five years. A key feature is its portability; a City FHEPS voucher can be used to rent an apartment anywhere in New York State.

The program is administered by the Department of Social Services (DSS), which includes the Human Resources Administration (HRA) and the Department of Homeless Services (DHS). It has consolidated several older programs into a single, streamlined system.

Who is Eligible for City FHEPS?

Eligibility for City FHEPS is specific and is divided into two main pathways, depending on a household's current housing situation.

For Households Currently in a Shelter: To qualify while in a DHS or HRA shelter, a household must meet foundational requirements and fit into one of two specific groups.

• Foundational Requirements:
• Gross income must be at or below 200% of the federal poverty level.
• The household must be on Cash Assistance, if eligible.
• The household must not qualify for any other rental assistance program, including FHEPS.
• Group A Criteria: The household must meet a residency requirement (e.g., in a DHS shelter for at least 90 days) AND an additional requirement, such as having a member who is employed, receiving federal disability benefits, or is 60 years of age or older.
• Group B Criteria: The household must reside in a DHS or HRA shelter and meet a specific condition, such as including a veteran, living in a shelter that is scheduled to close, or being referred by a qualifying program.

For Households at Risk of Entering a Shelter: A household does not need to be in a shelter to qualify, but they must be at imminent risk of homelessness. The income requirement of being at or below 200% of the federal poverty level still applies. The household must also meet one of the following conditions:

1. Includes a veteran and is at risk of homelessness.
2. Receives Pathway Home benefits and would be eligible for City FHEPS if they were in a shelter.
3. Was referred by a qualifying program, and DSS determined City FHEPS was necessary to prevent shelter entry.
4. Is facing eviction in Housing Court (or was evicted within the last year) AND meets an additional condition, such as having a member who previously lived in a DHS shelter or has an active Adult Protective Services (APS) case.

How to Apply for City FHEPS

The application process depends on the household's situation:

• If in a shelter: Work directly with the assigned case manager or housing specialist at the shelter.
• If at risk of eviction: Contact a local Homebase office, a city program designed for eviction prevention services.

FHEPS: Preventing Family Homelessness

The Family Homelessness & Eviction Prevention Supplement (FHEPS) is a rental assistance program for families with children who receive Cash Assistance and are at risk of eviction. It can also help families move out of a shelter or relocate due to domestic violence or unsafe living conditions.

Who is Eligible for FHEPS?

The eligibility criteria for FHEPS are directly linked to a family's public assistance status and housing crisis:

• Cash Assistance: The household must have an active Cash Assistance (CA) case or be eligible for CA upon leaving a shelter.
• Household Composition: The household must include a child under 18, a child under 19 who is a full-time student, or a pregnant individual.
• Housing Crisis: The family must be facing eviction, have been evicted within the last 12 months, or be in a shelter.

Benefits of FHEPS

FHEPS provides significant financial support. Approved families can receive a monthly rent supplement for up to five years. The program can also make a one-time payment for rent arrears—up to $20,000 in some cases—to clear a family's debt and allow them to remain in their home.

How to Apply for FHEPS

The most efficient way for families to apply is through the city's online benefits portal:

• ACCESS HRA: Apply online at the ACCESS HRA website (nyc.gov/accesshra) or through the mobile app.
• In-Person: Families can also apply at an HRA Benefits Access Center.

SOTA: Special One-Time Assistance to Relocate

The Special One-Time Assistance (SOTA) program offers eligible households in the DHS shelter system one full year of rent paid upfront. This lump-sum payment is designed to help households relocate to stable, permanent housing. Participants can move within New York City, to other counties in New York State, or even to another state.

Who is Eligible for SOTA?

SOTA eligibility is narrow and targeted to households that demonstrate a strong likelihood of long-term stability.

• Shelter Residency: The household must have been in a DHS shelter for a minimum of 90 days.
• Recurring Income: The household must have a source of recurring income, such as from employment or disability benefits.
• Future Affordability: The rent for the new apartment cannot exceed 40% of the household's current, stable income, proving they can likely pay rent on their own after the grant ends.

The SOTA Process

The SOTA application is managed by shelter staff:

1. Identification: Case managers identify clients who may be eligible.
2. Housing Search: The client searches for an apartment that meets the program's affordability requirements.
3. Apartment Inspection: The prospective apartment must pass an inspection to ensure it is safe and habitable.
4. Payment: Once a lease is signed, HRA makes the rental payments directly to the landlord.

Emergency "One-Shot Deals" for Immediate Crises

A "One-Shot Deal" is an emergency cash grant from the NYC Human Resources Administration (HRA) for households facing an unexpected crisis. Its most common use is to pay for rent arrears to stop an imminent eviction. It is a single payment, not an ongoing supplement.

Who is Eligible for a One-Shot Deal?

Eligibility is determined on a case-by-case basis, and HRA assesses several factors.

• Demonstrated Need: The applicant must show they are facing an emergency, such as a rent demand. A formal court case is not required to apply.
• Reason for Arrears: The applicant must provide a reason for falling behind on rent, typically an unexpected event like a job loss or medical expense.
• Future Ability to Pay: The applicant must demonstrate a viable plan to pay their rent moving forward after receiving the grant.

In many cases, One-Shot Deals are interest-free loans that must be repaid, though individuals receiving SSI are typically not required to repay the grant.

How to Apply for a One-Shot Deal

Applications are made through HRA's main benefits portal:

• ACCESS HRA: Applicants should go to the ACCESS HRA website and begin an application for "Cash Assistance," specifying the need for a one-time grant for rent arrears.
• Interview and Documentation: After applying, the applicant will need a phone interview with HRA and must submit required documents.

Housing Assistance Beyond New York City

Tenants living in other parts of the state also have access to vital resources. The system outside the five boroughs is more decentralized, with many counties and towns administering their own local programs.

Navigating Local Programs in Major Jurisdictions

During the rollout of federal emergency rental assistance, several of New York's largest counties and towns received funding to administer their own local relief programs. As a result, residents of these areas must often apply for help through their local government.

Key jurisdictions that have operated their own programs include:

• Monroe County, including the City of Rochester.
• Onondaga County.
• The City of Yonkers.
• The Long Island towns of Hempstead, Islip, and Oyster Bay.

Residents in these areas should contact their local Department of Social Services or Housing Authority as the first step. These agencies provide information on active rent relief funds, Section 8 Housing Choice Voucher programs, and other forms of local support.

Rural Housing Assistance Programs

Several programs are specifically designed to support residents in New York's rural areas. These are often administered at the state or federal level.

• New York State Rural Rental Assistance Program (RRAP): This program provides rental subsidies to low-income elderly and family tenants in multifamily housing projects financed by the USDA Rural Housing Services. The subsidy covers the difference between 30% of a tenant's income and their monthly housing expenses.
• USDA Rural Development Programs: The USDA offers a broad range of programs aimed at improving quality of life in rural America, including housing initiatives. The RD Multifamily Rental Assistance Program provides payments to property owners on behalf of low-income tenants.

Essential Resources for All New York Tenants

Successfully navigating a housing crisis requires more than just financial aid. It requires access to expert advice, legal support, and community-based advocates who can help tenants understand their rights.

Free Legal Assistance and Tenant Rights

A threat of eviction is a legal matter. In New York City, the Right-to-Counsel law ensures that tenants facing eviction in Housing Court have access to free legal representation or advice, regardless of income or immigration status.

Several organizations provide free legal help to low-income tenants across the state:

• The Legal Aid Society: A primary resource for tenants facing eviction, harassment, or poor housing conditions, with offices serving every borough of New York City.
• LawHelpNY.org: This statewide website provides legal information and connects New Yorkers with free legal aid programs in their area.

Connecting with Housing Counselors and Non-Profits

Navigating the complex rules of assistance programs can be daunting. Free, expert help is available from professionals who can provide one-on-one guidance.

• HUD-Approved Housing Counselors: The U.S. Department of Housing and Urban Development (HUD) funds agencies that offer free, personalized advice on budgeting, avoiding eviction, and applying for assistance.
• Community-Based Organizations: A network of nonprofit organizations provides on-the-ground assistance. Key organizations include:
• In New York City: Catholic Charities, Rise Boro Community Partnership, and Bronx Works are among the many groups providing direct assistance.
• On Long Island and Other Regions: Organizations like Catholic Charities of Long Island and the Catholic Charities Housing Office in Albany provide similar services for their communities.

Key State and City Information Hotlines

Knowing who to call is a critical first step. The following phone numbers are primary points of contact for tenants seeking assistance.

• NYS OTDA ERAP Hotline (844-691-7368): For questions related to a pending New York State ERAP application.
• NYC 311 / Tenant Helpline: The universal starting point for any tenant in New York City, connecting callers to legal assistance and other city services.
• HRA Info Line (718-557-1399): For specific questions about HRA-administered benefits like One-Shot Deals and FHEPS.
• 211: This nationwide service connects individuals to local health and human services resources, including rental and utility assistance.

Frequently Asked Questions

For New Mexico residents facing housing instability, securing rent relief is a critical concern. While the large-scale, pandemic-era New Mexico Home Fund and the statewide Emergency Rental Assistance Program (ERAP) are no longer accepting new applications, a network of vital support systems remains active.

Financial assistance, housing stability services, and crucial eviction prevention programs are available through various local, non-profit, and specialized channels. The landscape of aid has shifted from a single, centralized source to a more complex system requiring careful navigation. The following sections provide a clear and direct map to the specific resources available based on location, individual circumstances, and the urgency of the situation.

Active Local Emergency Rental Assistance

The closure of the statewide rental assistance portal marked a significant change in how aid is distributed. The responsibility has largely decentralized, with key counties and municipalities managing their own distinct programs. This means the first step for a resident seeking immediate financial help for rent or utilities is to identify the correct local authority based on their physical address.

Assistance in Bernalillo County (For Residents Outside Albuquerque City Limits)

The primary program for residents in unincorporated Bernalillo County has been the BernCo Relief of Emergency Needs for Tenants (RENT) Assistance Program.

Program Status

It is essential for residents to know that the initial, large-scale federal funding for this program, provided through the American Rescue Plan Act (ARPA), was fully expended as of April 2024. However, program documentation indicates a framework designed to operate through September 2025, suggesting it may be reactivated as new funding streams become available.

Recent state-level investments in housing and homelessness projects may provide resources for such programs in the near future. Residents should contact the county directly for the most current information on program activity.

Eligibility (Based on Last Known Criteria)

To qualify for the BernCo RENT program when it is active, applicants must meet several conditions.

• Location: Applicants must be tenants residing at a rental property physically located within Bernalillo County but outside of Albuquerque city limits and Tribal lands.
• Income: The total household income must be at or below 80% of the Area Median Income (AMI).
• Housing Instability: One or more individuals in the household must be able to demonstrate a risk of experiencing homelessness or housing instability. This can include a past-due rent or utility notice, an eviction notice, or a written attestation of unsafe living conditions.
• Financial Hardship: The household must have experienced a reduction in income, incurred significant costs, or faced other financial hardship.

How to Get Information and Apply

For the most up-to-date status on the BernCo RENT program, residents should use the following official contact points.

• Website: Check the official county website at www.bernco.gov/RENT for announcements about program reactivation and online applications.
• Phone: For direct assistance or to request a physical application when the program is active, call (505) 468-1279.
• Physical Application: When the program is accepting applications, paper forms and required documents can be delivered to the Bernalillo County Treasurer's Tax Payment drop-box located at Fifth and Marquette NW.

Assistance in Doña Ana County

Doña Ana County operates its own Emergency Rental Assistance Program (ERAP), which is entirely separate from any past or present statewide initiatives. This program serves all eligible residents within the county, including those in Las Cruces, Sunland Park, Anthony, Hatch, and Mesilla.

Program Status

The program is administered directly by the county. At times, the official county website for the program has been inaccessible, and operational disruptions have been noted. The most effective way for residents to get accurate, up-to-the-minute information is through direct contact with the program office.

Eligibility (Based on Last Known Criteria)

Key requirements for the Doña Ana County ERAP include:

• Location: Must be a resident of Doña Ana County.
• Income: Household income must not exceed 80% of the Area Median Income (AMI) as defined by the U.S. Department of Housing and Urban Development (HUD). For a family of four, this was previously set at an annual income of $43,900.
• Financial Hardship: Applicants must provide proof of financial hardship that threatens the household's ability to pay rent or utilities.

How to Get Information and Apply

Given the potential for online access issues, residents are strongly encouraged to use the following direct contact methods to inquire about program status, eligibility, and the application process.

• Phone: (575) 525-5898.
• Email: ERAP@donaanacounty.org.
• Physical Address: 2701 W. Picacho Ave., Suites 13 & 14, Las Cruces, NM 88007.

Assistance in the City of Albuquerque

Renters living within the city limits of Albuquerque have access to a dedicated emergency assistance program operated by the city's Health, Housing & Homelessness (HHH) Department. This program is distinct from the one offered by Bernalillo County for its unincorporated areas.

Program Details

The Health & Social Service Centers Emergency Rental & Utility Assistance Program is designed to help city renters with unpaid rent and utilities if they are at risk of eviction or utility shut-off. It is important to note that funding is limited, and all services are provided based on the availability of funds.

How to Get Information and Apply

To access this assistance, residents must contact the Health & Social Service Center located closest to their home. Staff at these centers are knowledgeable about available programs and can help connect individuals to the best-fit solution.

• John Marshall Health & Social Service Center: 1500 Walter SE, Albuquerque, NM. Phone: (505) 848-1345.
• Alamosa Health & Social Service Center: 6900 Gonzales SW, Albuquerque, NM. Phone: (505) 836-8800.
• Los Griegos Health & Social Service Center: 1231 Candelaria NW, Albuquerque, NM. Phone: (505) 761-4050.
• East Central (Ruth M. Adams) Health & Social Service Center: 7525 Zuni SE, Albuquerque, NM. Phone: (505) 767-5700.

Statewide Housing Stability and Homelessness Prevention Programs

Beyond immediate, location-based emergency funds, New Mexico supports a broader infrastructure of programs focused on preventing homelessness and promoting long-term housing stability. These programs often involve more than a one-time payment, incorporating case management and other supportive services. They are typically administered by the state's primary housing agency or established non-profit organizations.

New Mexico Mortgage Finance Authority (MFA) / Housing New Mexico

The New Mexico Mortgage Finance Authority (MFA), often operating under the name Housing New Mexico, serves as the state's quasi-governmental housing agency. It administers a wide array of federal and state programs aimed at creating and preserving affordable housing. While MFA does not provide direct financial assistance to renters, it funds a critical network of local service providers that do.

Key Renter-Focused Program

The primary MFA-funded initiative for residents in crisis is the Emergency Solutions Grant/HOME-ARP Rapid Rehousing and Homeless Prevention Program. This program's goal is to provide short- and medium-term rental assistance to individuals and families who are currently experiencing homelessness or are at imminent risk of becoming homeless. The focus is on regaining stability and reducing the likelihood of future housing crises.

How to Access MFA-Funded Programs

To receive help through this program, residents must contact one of the designated non-profit service providers that MFA partners with in their region. Key providers across the state include:

• Bernalillo & Sandoval Counties: Catholic Charities - (505) 724-4604.
• Doña Ana & Otero Counties: Mesilla Valley Community of Hope - (575) 523-2219.
• Santa Fe, Rio Arriba, Los Alamos, & Taos Counties: The Life Link - (505) 438-0010.
• Chaves, Curry, Eddy, Lea, Lincoln, & Roosevelt Counties: Alianza - (575) 623-1995.
• San Juan County: San Juan County Partnership - (505) 566-5866.

Key Non-Profit Support Services

Several statewide and regional non-profit organizations are on the front lines of providing housing assistance and eviction prevention services.

HELP New Mexico, Inc.

This organization offers a range of housing services, including direct Housing Payment Assistance, Eviction Prevention Services, Housing Placement, and Rapid Rehousing. They prioritize services for families with children, seniors, and individuals with disabilities. For assistance, contact HELP New Mexico at (505) 265-3717 or visit their website at helpnm.org.

Catholic Charities of New Mexico

In addition to its role as an MFA service provider, Catholic Charities operates its own Rental Assistance Program (RAP) for residents of Bernalillo County. This program is intensive, providing up to 11 months of rental assistance along with case management and life skills education.

• Eligibility: Applicants must be currently homeless or at imminent risk of becoming so. This requires having a 3-day notice or a Writ of Restitution from the courts. Furthermore, the household's income must be at or below 30% of the Area Median Income.
• Application Process: To inquire about eligibility, residents must call (505) 724-4604 on Mondays only, between 8 am and 5 pm, and leave a clear message with their name and phone number. Due to high call volume, a return call may take several days.

The Salvation Army

Local branches of The Salvation Army may offer emergency rental and utility assistance. However, this support is entirely dependent on the availability of funds at any given time.

Specialized Financial and Housing Support

New Mexico's social safety net recognizes that housing instability is often interconnected with other life challenges, particularly those related to health. As a result, the state has developed specialized programs that link housing assistance directly to specific needs, treating stable housing as a critical component of overall well-being.

Support for Residents with Behavioral Health Needs

For individuals facing housing crises while also managing significant health conditions, targeted support is available.

Move-In Assistance and Eviction Prevention Program (MIAEP)

This program assists households where the applicant or a dependent has a diagnosed and documented serious mental illness or a co-occurring substance use disorder. MIAEP provides grants of up to $1,000 for rent, damage deposits, utility deposits, or other housing-related costs. To be eligible, the applicant must be homeless or at risk of homelessness and actively engaged in behavioral health services.

This program is delivered through a network of providers across the state. For referrals and information, contact the New Mexico Human Services Department customer service line at 1-800-283-4465.

Fresh Start Rental Assistance Program

This program offers more substantial financial support for individuals with a diagnosed and documented Opioid Use Disorder (OUD) who are currently homeless or at risk of homelessness. Contracted providers can grant qualifying individuals up to $10,000 or 9 months of rental assistance, whichever comes first. Eligibility is restricted to individuals currently receiving behavioral health services, recovery services, or Medication-Assisted Treatment.

General Financial Aid for Housing Costs

The Temporary Assistance for Needy Families (TANF) program in New Mexico, known as NM Works, provides monthly cash benefits to low-income families. These funds are intended to help meet basic needs, which explicitly include housing, utilities, and clothing. While not a dedicated rent relief fund, these benefits can be a crucial source of income for maintaining housing. To learn more, contact the New Mexico Human Services Department (HSD) Help Line at 1-800-432-6217.

Resources for Tribal Members

Many of New Mexico's Pueblo and Tribal governments received direct federal funding to operate their own emergency rental assistance programs for their members and eligible residents. These programs are administered independently and have their own specific eligibility criteria and application processes. For Native American renters, the first and most appropriate point of contact for housing assistance is their specific tribal government or its tribally designated housing entity.

Eviction Defense and New Mexico Tenant Rights

In New Mexico, the focus of housing stability efforts has increasingly expanded beyond direct financial aid to include robust legal support and eviction prevention services. The understanding is that preventing an eviction through legal intervention and mediation is often more effective and sustainable than addressing homelessness after the fact. For a tenant who receives an eviction notice, time is of the essence, and seeking legal help is the most critical first step.

Immediate Steps if You Receive an Eviction Notice

Receiving a notice from a landlord can be alarming, but it is not an eviction order. It is the start of a legal process, and tenants have rights and resources available to them.

1. First Call - NM Eviction Prevention & Diversion Program (NMEPD): The NMEPD is a statewide program specifically designed to intervene when a tenant is at risk of eviction. NMEPD navigators can help tenants understand the court process and connect them with available rental assistance. This should be the first call a tenant makes upon receiving a court summons or notice.

• Phone/Text: (505) 554-5205.  
• Email: help@nmevictionprevention.com.

2. Second Step - Seek Legal Counsel: New Mexico's eviction timelines can be very short, sometimes allowing only a few days to respond to a notice or prepare for court. It is imperative to seek free or low-cost legal advice immediately to understand and protect one's rights.

Accessing Free and Low-Cost Legal Counsel

A network of non-profit organizations across New Mexico provides legal assistance to tenants facing housing issues.

Key Protections Under the Owner-Resident Relations Act

All renters in New Mexico are protected by the state's Owner-Resident Relations Act. Understanding these fundamental rights is empowering when navigating a dispute with a landlord.

The Legal Eviction Process

A landlord cannot legally remove a tenant or their belongings from a property without a court order. The process requires the landlord to first provide the tenant with a written notice (e.g., a three-day notice for non-payment of rent). If the issue is not resolved, the landlord must then file a case in court and win a judgment for restitution.

Security Deposits

Landlords are required to return a tenant's security deposit within 30 days of the tenant moving out. If any portion of the deposit is withheld for damages, the landlord must provide a detailed, itemized list of the deductions. A landlord cannot legally deduct for normal wear and tear on the property.

Landlord's Responsibility to Maintain the Property

Landlords have a legal obligation to keep the rental property safe and livable. This includes maintaining electrical, plumbing, and heating systems in good working order and providing running water. If a landlord fails to make necessary repairs after receiving written notice from the tenant, the tenant may have legal grounds to terminate the lease or seek other remedies.

Retaliatory Eviction

It is illegal for a landlord to retaliate against a tenant by raising rent, decreasing services, or attempting to evict them simply because the tenant has requested necessary repairs or reported a code violation to a government agency. This is known as a "retaliatory eviction" and is unlawful. For a detailed overview of tenant rights, New Mexico Legal Aid publishes an extensive Renter's Guide, which can be found at www.lawhelpnewmexico.org.

Conclusion

The system for obtaining New Mexico rent relief has evolved. The single, large-scale programs of the past have been replaced by a decentralized network of local, non-profit, and specialized resources. While this landscape is more complex, a significant amount of support remains available for residents facing financial hardship and housing instability.

Success in securing assistance now depends on identifying the correct program based on one's specific location and circumstances. The path forward requires prompt, informed action, and the urgency of the situation dictates the appropriate first step:

1. If you have received an eviction notice or court summons, the immediate priority is legal protection. The first call should be to the NM Eviction Prevention & Diversion Program, followed immediately by a call to a legal aid provider.
2. If you are behind on rent but have not received a formal notice, the focus should be on securing financial aid. The first step is to contact the specific county or city program detailed for Bernalillo County, Doña Ana County, or the City of Albuquerque.
3. If you are at risk of homelessness or have specialized health needs, exploring the statewide stability programs offered through MFA's service providers or the targeted assistance for behavioral health is the most effective course of action.

Navigating this system can feel daunting, but resources are in place to help. By taking these targeted first steps, New Mexico residents can access the support needed to achieve and maintain housing stability.

Frequently Asked Questions

Securing New Jersey rent relief is a critical step for thousands of residents facing financial hardship and the threat of eviction. A robust but complex network of state, county, and community programs exists to provide financial support for rent arrears, utility bills, and housing stability.

Understanding how to access this system, from immediate eviction prevention resources to long-term rental subsidies, is the first step toward finding a solution. The process begins with a few key actions and an awareness of the centralized tools designed to connect residents with the right help.

Immediate Steps for NJ Renters Facing Financial Hardship

When facing a potential housing crisis, a series of immediate, strategic actions can provide breathing room and open pathways to assistance. The state’s support system is designed to triage cases through central hubs, making it essential to start at the correct entry points.

First Action: Communicate with Your Landlord

Before seeking external aid, it is advisable to communicate the situation to the landlord, preferably in writing. Proactive communication can sometimes result in a temporary payment plan. More importantly, many rental assistance programs require the landlord’s participation to process payments.

New Jersey law, under the Truth in Renting Act, legally requires landlords to cooperate with rental assistance programs that have committed to paying rent that is due. A landlord’s refusal to cooperate can serve as a legal defense in an eviction proceeding.

Second Action: Understand Your Eviction Protections

Receiving an eviction notice is not the final word. New Jersey has some of the strongest tenant protections in the nation, anchored by the Anti-Eviction Act, which lists the specific reasons a tenant can be evicted. During the COVID-19 pandemic, additional protections were enacted, some of which may still offer recourse for tenants who fell behind on rent during specific periods.

Third Action: Use Centralized Screening Tools

New Jersey has established a deliberate system to guide residents to the appropriate resources, preventing them from having to contact dozens of agencies at random. Engaging with these two primary gateways is the most efficient first step.

• NJ 2-1-1: This is the state's comprehensive, 24/7 information and referral service. By dialing 2-1-1, texting a zip code to 898-211, or using the online chat, residents can connect with a specialist who has access to a database of thousands of state and local programs. This service provides referrals for rent payment assistance, utility aid, legal assistance, and community shelters.
• DCAid Screening Tool: This is the official online questionnaire from the New Jersey Department of Community Affairs (DCA). By answering a series of questions, residents can quickly see which state-run housing assistance programs, utility assistance programs, and homelessness prevention services they may be eligible for. It is a critical starting point for accessing state-level aid.

Preventing Eviction: Your Rights and Legal Resources

Beyond financial aid, New Jersey provides a robust legal and social support infrastructure designed to actively prevent evictions. The state operates on the principle that keeping residents housed is more effective than addressing the consequences of homelessness.

New Jersey's Office of Eviction Prevention (OEP)

The DCA's Office of Eviction Prevention (OEP) is a dedicated state office that oversees programs and services aimed at eviction prevention and diversion. The OEP provides information on landlord-tenant rights, publishes the "Truth in Renting" guide, and works with community organizations to provide direct outreach to at-risk tenants.

For direct inquiries, the OEP hotline is (609) 376-0810.

Free Legal Help: The Comprehensive Eviction Defense & Diversion (CEDD) Program

One of the most powerful resources available to tenants is the Comprehensive Eviction Defense & Diversion (CEDD) program. This statewide initiative provides eligible low-income households facing or threatened with eviction with a two-person team at no cost.

This team includes:

• A Free Attorney: To provide legal representation in court, advocate on the tenant's behalf, and negotiate settlements with the landlord.
• A Resource Navigator: An experienced case worker who connects the tenant with financial resources, such as emergency rental assistance, and provides other social services support.

This holistic model addresses both the legal and financial components of an eviction crisis simultaneously. The CEDD program is available in every county in New Jersey, ensuring that all eligible residents have access to these critical services.

Major State-Administered Rental Assistance Programs

The NJ Department of Community Affairs (DCA) manages the state's largest housing assistance programs. These programs serve different needs, from long-term subsidies to short-term emergency aid. It is important to understand the structure of these programs, as the application processes vary significantly.

State Rental Assistance Program (SRAP)

• Purpose: SRAP is a state-funded program that provides long-term housing subsidies to very low-income New Jersey residents to help them afford safe and sanitary housing.
• Application Process: This program is not available on demand. SRAP uses a lottery system and only accepts pre-applications during specific, publicly announced open enrollment periods. Submission of a pre-application does not guarantee assistance; it only enters the applicant into the lottery for a place on the waiting list.
• Eligibility: Applicants must be 18 or older, a New Jersey resident, and meet county-specific income limits. A preference is given to veterans and their surviving spouses.
• How to Apply: Residents should monitor the DCA website for announcements of open enrollment periods. When open, applications are submitted online at https://www.WaitlistCheck.com/NJ559.

Homelessness Prevention Program (HPP)

• Purpose: HPP is a short-term, emergency intervention designed for households in imminent danger of eviction or homelessness due to a temporary financial problem beyond their control. The program can provide up to three months of assistance to pay past-due rent.  
• How to Apply: To access this program, residents should contact the designated HPP agency in their county. NJ 2-1-1 can provide a referral to the correct local office.

Eviction Prevention Program (EPP)

• Purpose: Developed in response to the COVID-19 pandemic, the EPP provides more substantial assistance, potentially covering up to two years of rent arrears and future rent for low-, moderate-, and middle-income households that experienced an economic impact from the pandemic.
• Application Status: The EPP often uses the same application portal as the COVID-19 Emergency Rental Assistance Program (CVERAP). This portal (https://njdca.onlinepha.com/) may close to new applications when funds are depleted but can reopen as more funding becomes available. It is essential to check the DCA website for the program's current status. Landlords may also apply on behalf of a tenant.

Housing Choice Voucher Program (Section 8)

• Purpose: This is a federally funded program, administered locally, that assists low-income families, the elderly, and people with disabilities by paying a portion of their monthly rent directly to the landlord.
• Application Process: Similar to SRAP, the Section 8 program has very limited open enrollment periods and typically uses a lottery to select applicants for its waiting list.
• How to Apply: Interested households should contact their local Public Housing Authority (PHA) to inquire about waiting list status and future open enrollment periods.

County-by-County Guide to Local Rent Relief

The distribution of federal emergency funds created a landscape where many New Jersey counties administer their own rental assistance programs. This has resulted in a patchwork of services where eligibility, application processes, and funding availability can vary significantly from one county to the next.

County Income Eligibility Limits for Emergency Rental Assistance

Nearly all rent relief programs are income-restricted. The table below provides a baseline for the maximum annual household income limits used for many emergency rental assistance programs, based on 80% of the Area Median Income (AMI). These figures are subject to change but offer a strong guideline for self-screening.

Bergen County

• Bergen County Emergency Rental Assistance Program (ERAP): Provides financial relief for residents who experienced hardship during the pandemic. Greater Bergen Community Action offers one-on-one guidance with the online application process. For assistance, call the call center at (201) 336-6013, option 8.
• Other Resources: The Bergen County Board of Social Services (201-368-4200), Family Promise (201-833-8009), and the Center for Food Action (CFA) also provide homelessness prevention and rental assistance services.

Camden County

• Camden County RECOVERS Rental Assistance Grant: This program makes funds available for up to 18 months of back rent and three months of future rent for eligible households impacted by the pandemic. Applications are awarded on a first-come, first-served basis. To apply, visit camdencounty.com or call (833) 327-2199.
• Assisting Agencies: For residents needing in-person help, assistance is available through the Office of Economic Opportunities (856-661-7474) and Hispanic Family Centers (856-541-6985).
• Catholic Charities of South Jersey: Provides rental and utility assistance to prevent homelessness. Contact their Camden office at 1-856-342-4100 to check for fund availability.

Essex County

• Essex County Division of Community Action: Offers emergency rental and utility assistance to low- and moderate-income households. Funds are granted on a first-come, first-served basis. Required documents include a lease, valid ID, and proof of income/hardship. Call (973) 395-8350 for an appointment.
• Catholic Charities of the Archdiocese of Newark: Provides housing counseling and may offer emergency rental assistance through its Parish Access Centers. The Newark office can be reached at (973) 266-7991.
• Family Promise of Essex County: Focuses on a "housing first" approach and may provide security deposits or first month's rent to help families move into permanent housing.

Hudson County

• Emergency Rental Assistance: The county provides information on various local agencies offering help with back rent for reasons beyond the pandemic. Key contacts include Hudson County Welfare (201-420-3000, ext. 2064) and the United Way of Hudson County (201-492-2368).
• Local Charities: The Bayonne Economic Opportunity Foundation (BEOF) (201-437-7222) and North Hudson Community Action Corporation (201-210-0333) are primary providers of rental and utility assistance in the county.

Middlesex County

• Middlesex County Emergency Rental Assistance Program (MCERAP): Assists households behind on rent and/or utilities. Applicants must demonstrate a risk of homelessness and meet income criteria. Applications are submitted through an online portal found at middlesexcountynj.gov/rental assistance.
• Catholic Charities, Diocese of Metuchen: The Homeless Prevention Rapid Re-Housing (HPRP) program provides short-term financial assistance for rental arrears, security deposits, and utility payments. Contact their Edison office at 732-738-1323.
• Board of Social Services: Offers Emergency Assistance (EA) for eligible homeless clients receiving WFNJ or SSI, which can include payment of overdue rent.

Ocean County

• Emergency Rental Relief (ERR) Program: Established for households with a loss of income due to the pandemic, this program can provide up to six months of rent payments directly to the landlord. Applications are processed on a first-come, first-served basis and can be submitted via email, mail, or drop-off at Board of Social Services locations.

Additional Support from Community and Charitable Organizations

Beyond government programs, a network of non-profit and charitable organizations provides a crucial safety net for residents in need.

• NJ 2-1-1: As the state's central information hub, NJ 2-1-1 is the best resource for finding hyper-local community programs. Specialists can connect callers with food pantries, legal aid, and smaller charities that may offer one-time rental assistance grants.
• Catholic Charities of New Jersey: Operating through regional dioceses, Catholic Charities offers a wide range of services. These include homeless prevention, rapid re-housing, and emergency financial assistance for rent and utilities. Contact information varies by county, with major service centers in Trenton, Newark, Metuchen, and Camden.
• The Salvation Army: With corps community centers located throughout New Jersey, The Salvation Army provides emergency assistance to families struggling to pay basic bills. This can include help with rent and utilities to prevent homelessness. Residents should visit their website to find the nearest location and inquire about available funds.

Help with Utility Bills to Secure Your Housing

Maintaining utility service is a key component of housing stability. Shut-offs can make a home uninhabitable and sometimes provide grounds for eviction. New Jersey has streamlined the application process for its primary utility assistance programs to make it easier for residents to get help.

Low Income Home Energy Assistance Program (LIHEAP)

• Purpose: LIHEAP is a federally funded program that helps low-income households with their heating and cooling bills. It can also provide for emergency heating system services.
• How to Apply: Residents can apply online through the DCAid portal or submit a paper application to their local community action agency. The state has consolidated the application process so that a single form is used for multiple programs.

Universal Service Fund (USF)

• Purpose: USF is a state program that provides a monthly credit on electric and gas bills for income-eligible households, making energy costs more affordable on an ongoing basis.
• How to Apply: The application for USF is combined with the LIHEAP application. By filling out the single Home Energy Assistance Program application, residents are automatically screened for eligibility for both programs, maximizing the aid they can receive from one effort.

Frequently Asked Questions

For New Hampshire residents seeking rent relief, understanding the current support landscape is the first step toward housing stability. While the widely known New Hampshire Emergency Rental Assistance Program (NHERAP) is now closed, a durable network of state and local assistance remains available. This system includes legally mandated municipal aid, regional non-profit services, and long-term housing subsidies for tenants facing financial hardship.

Locating Rental Assistance in New Hampshire Today

With the closure of the centralized NHERAP program, assistance is now accessed through various local and regional channels. This network is designed to address different levels of need, from immediate eviction prevention to long-term affordable housing solutions.

The primary avenues for support are:

• Town and City Welfare Offices: Your most local resource, with a legal obligation to provide emergency aid.
• Community Action Programs (CAPs): Regional agencies offering direct financial assistance and connections to a wide range of services.
• New Hampshire Housing Finance Authority (NHHFA): The state-level administrator for long-term rental subsidies like the Housing Choice Voucher program.
• 2-1-1 NH: A statewide, confidential information and referral service that can connect you to the right agency for your specific situation.

Navigating these different entry points can seem complex, but each serves a specific function in the state's housing safety net.

Emergency Rent Relief: Where to Get Immediate Help

When facing a housing crisis, such as an inability to pay rent or receiving an eviction notice, several organizations can provide immediate help. A highly effective strategy is to contact both your local town welfare office and your regional Community Action Program simultaneously. Town welfare operates under a legal mandate to provide assistance, while CAP agencies may have different funding sources; applying to both can maximize the speed and amount of aid received.

Your First Call: Town and City Welfare Offices

Under New Hampshire state law (RSA 165), every town and city has a legal duty to provide emergency assistance to residents who are poor and unable to support themselves. This general assistance includes help with basic needs like rent. To apply, contact the welfare or human services department for the specific town or city where you reside.

Community Action Programs (CAPs): Your Regional Partner

The Community Action Partnership of New Hampshire (CAPNH) is a network of five regional non-profit agencies serving every county. These agencies are hubs for support services, including emergency rent assistance to prevent eviction. CAPs also administer other critical aid programs, like Fuel and Electric Assistance, which can free up money in your budget to cover rent. Find your local agency at https://www.capnh.org/.

2-1-1 New Hampshire: Your Central Information Hub

If you are unsure where to begin, calling 2-1-1 is an excellent starting point. This free, confidential, 24/7 referral service connects callers with specialists who provide information on hundreds of health and human services. They can direct you to the correct town welfare office, CAP agency, or legal aid resource for your circumstances. Dial 2-1-1 from any New Hampshire phone or call 1-866-444-4211.

Facing Eviction: A Tenant's Guide to Rights and Legal Aid

Receiving an eviction notice is the beginning of a legal process, not the end. In New Hampshire, a landlord cannot simply lock you out; they must follow a strict legal procedure. Understanding this process can provide you with the time needed to seek financial help or secure new housing.

The New Hampshire Eviction Process Explained

A landlord must get a judge's permission before you are required to leave. The lawful process involves several distinct steps.

1. Written Eviction Notice: The process starts with a formal written notice, often called a "Notice to Quit." A verbal warning is not legally sufficient. For non-payment of rent, this notice period is typically 7 days. You are not legally required to move out by the date on this notice.
2. Landlord & Tenant Writ: If you don't move out, the landlord must file a court action called a "Landlord & Tenant Writ." This official document must be served to you by a county sheriff.
3. Filing an Appearance: The writ includes a "return day," your deadline to file a one-page "Appearance" form with the court. This form tells the court you want a hearing. Failing to file an appearance can result in an automatic loss by default.
4. The Court Hearing: After you file an appearance, the court schedules a hearing, usually within 6 to 10 days. This is your opportunity to present your case to a judge.
5. Writ of Possession: If the judge rules for the landlord, they issue a "Writ of Possession," never sooner than 8 days after the hearing. This is the legal order that allows a sheriff to remove you. You are only legally required to leave when a sheriff arrives with this court order.

Your Most Powerful Resource: 603 Legal Aid

If you receive any type of eviction notice, contact 603 Legal Aid immediately. 603 Legal Aid provides free legal advice, information, and representation to low-income New Hampshire residents facing eviction. Their attorneys can help you understand your rights, determine if you have a legal defense, and represent you in court. You can apply for help online or call them at 1-800-639-5290.

Securing Long-Term, Stable Housing Assistance

For households needing ongoing help to afford rent, the primary resource is the federal Housing Choice Voucher (HCV) Program, commonly known as Section 8. This program provides a long-term subsidy to make rent affordable.

The Housing Choice Voucher (HCV) Program (Section 8)

The HCV program is a federal rental assistance program funded by the U.S. Department of Housing and Urban Development (HUD). It helps very low-income families, the elderly, and people with disabilities afford safe housing in the private market. With a voucher, a household generally pays about 30% of its adjusted monthly income toward rent and utilities, and the housing authority pays the difference to the landlord.

In New Hampshire, the program is administered by the New Hampshire Housing Finance Authority (NHHFA) and several local Public Housing Authorities (PHAs). You can and should apply to any and all housing authorities for which you are eligible.

Applying for a Voucher and Navigating the Waitlist

The demand for Housing Choice Vouchers in New Hampshire far exceeds the available supply. Consequently, the statewide waitlist administered by NHHFA can be seven to nine years from the date of application. Local housing authority waitlists may vary.

Despite the long wait, it is crucial to apply as soon as possible to secure a place on the list. Applications can be completed online through the NHHFA applicant portal or by requesting a paper application. While on the waitlist, you must report any changes to your income, address, or family composition to maintain your eligibility.

Finding Affordable and Subsidized Apartments

While waiting for a voucher, you can also seek housing in properties with project-based subsidies. Unlike a voucher tied to a tenant, this subsidy is tied to a specific apartment. NHHFA maintains a searchable "Directory of Assisted Housing" that lists these properties. NHHFA also partners with

https://www.affordablehousing.com/ to provide listings of available affordable units.

Additional Financial Support for Housing Costs

Rent relief can also come from programs that reduce other major household expenses, freeing up income to be used for housing.

Assistance with Utility and Home Heating Bills

The New Hampshire Department of Energy and regional CAP agencies administer two key programs to help with energy costs.

• Fuel Assistance Program (FAP): Provides benefits to help income-eligible households pay for heating costs.
• Electric Assistance Program (EAP): Provides a discount on the monthly electric bills of eligible customers.

Eligibility is based on your gross household income and family size, with a threshold currently set at 60% of the State Median Income. You can apply for both programs through your local CAP agency.

Specialized Support Resources

Some residents may be eligible for specialized housing programs. HUD funds supportive housing for the elderly and for persons with disabilities. The NH Department of Health and Human Services (DHHS) also offers various financial assistance programs. For referrals, contact 2-1-1 NH or visit the NH Care Path website at https://www.nhcarepath.dhhs.nh.gov/.

Directory of Key New Hampshire Housing Resources

 Frequently Asked Questions

For Nevada residents facing financial hardship, the search for Nevada rent relief can be an urgent and stressful experience. While housing instability is a significant challenge, a network of government agencies, non-profits, and legal aid services offers valuable assistance.

The path to securing this help varies significantly depending on a resident's location. Programs are structured differently for those in Clark County, Washoe County, and Nevada's rural counties.

Successfully navigating this landscape requires understanding where to apply for financial aid and how to protect your legal rights as a tenant. These are often parallel and equally critical processes. This directory provides a location-based breakdown of rental assistance, utility support, and eviction prevention resources across the state.

Immediate Steps for Nevada Renters in Crisis

When facing a housing crisis or the threat of eviction, immediate and decisive action is essential. The process of securing stability involves more than just applying for funds; it requires a coordinated effort to address both financial needs and legal obligations.

There are three critical actions for any tenant at risk of losing their housing:

1. Apply for Financial Aid: Immediately identify and apply for any available rental assistance programs in the specific county of residence. Funding is often limited and distributed on a first-come, first-served basis.
2. Respond to All Legal Notices: Never ignore an eviction notice from a landlord. A formal answer must be filed with the appropriate Justice Court within the legally mandated timeframe to preserve a tenant's rights and ensure the opportunity for a court hearing.
3. Seek Free Legal Counsel: Contact local legal aid organizations. These groups provide free assistance to low-income tenants, offering advice on legal rights, help with court filings, and sometimes direct representation.

Understanding the Eviction Process

A crucial aspect of the housing landscape is that the financial and legal tracks for eviction are separate. A pending rental assistance application does not automatically stop the legal eviction process. It is possible for a tenant to be evicted by a court order even while their application for rent money is still being processed.

This reality underscores the necessity of taking simultaneous action on both fronts. Tenants must apply for aid while also formally responding to any legal notices, preferably with the help of legal counsel.

Nevada 211: A Central Information Hub

The central information hub for all health and human services in the state is Nevada 211. This free and confidential service connects residents to thousands of local resources, including those for housing, food, and utility assistance. It is an essential first stop for anyone seeking help and can be accessed by dialing 2-1-1, visiting Nevada211.org, or downloading the mobile app.

Statewide Housing Resources and Central Hubs

While most direct financial assistance is administered at the county level, several statewide and federal resources serve as crucial starting points for Nevada residents. These entities primarily function as directories and information hubs, guiding individuals to the appropriate local agencies that manage applications and distribute funds.

Nevada 211: Your First Call for Information

Nevada 211 is the state's most comprehensive directory of health and human services programs. It is a program of the Nevada Department of Health and Human Services and is committed to helping residents connect with the services they need.

• Function: The service acts as a single point of contact for thousands of resources related to housing expense assistance, utility bill payments, food stamps (SNAP), and more.
• Access: Residents can connect with Nevada 211 in multiple ways:
• Phone: Dial 2-1-1 or (866) 535-5654.
• Website: Visit Nevada211.org. The search function is most effective when using a zip code to find the most relevant local services.
• Mobile App: The Nevada 211 app is available for download, with a separate app, the Nevada 211 YOUTH APP, designed for young people aged 12-22.

U.S. Department of Housing and Urban Development (HUD)

HUD is the federal agency responsible for funding many of the nation's major housing assistance programs. While HUD does not typically provide direct aid to individuals, it funds the local agencies that do.

• Public Housing and Housing Choice Vouchers (Section 8): HUD provides federal aid to local Public Housing Authorities (PHAs) that manage public housing and administer the Housing Choice Voucher (HCV) program. The HCV program assists low-income families, the elderly, and disabled individuals in affording housing in the private market. To apply, residents must contact their local PHA. Waitlists can be long, so applying to more than one PHA is often recommended.
• HUD-Approved Housing Counselors: For individuals needing advice on renting, home buying, default, or foreclosure prevention, HUD sponsors housing counseling agencies across Nevada. A counselor can be found by searching online or calling (800) 569-4287.

Statewide Affordable Housing Search Tools

For residents searching for available affordable rental units, NVHousingSearch.org is a primary resource. It is a free, statewide housing locator service that allows users to search for rentals that fit their needs and budget. This tool is frequently recommended by various state and county agencies as a first step in finding housing.

Specialized Statewide Programs

The Section 811 Project Rental Assistance (PRA) program is a specific federal initiative aimed at providing project-based rental assistance for extremely low-income persons with disabilities who are between 18 and 62 years old. Eligibility is tied to income (at or below 30% of Area Median Income) and the need for community-based, long-term care services. This subsidy is attached to the housing unit rather than the i

Clark County Rent Relief Programs

As Nevada's most populous region, Clark County has the most extensive network of rental assistance programs. Support is delivered through a combination of county government services and a wide array of non-profit community partners.

The system is structured for residents to begin with the main government portal. From there, they can turn to more specialized non-profit agencies, each with its own funding and application requirements.

A. Clark County Social Service (CCSS): The Official Government Channel

Clark County Social Service is the primary government entity for assisting residents facing financial hardship. Most of its housing programs are managed through a single online portal, ensuring a centralized starting point for applicants.

Contact Information

• Address: 1600 Pinto Lane, Las Vegas, NV 89106
• Phone: (702) 455-4270
• Email: SSAdmin@ClarkCountyNV.gov

The CHAP Online Portal The Community Housing Assistance Program (CHAP) portal is the online gateway for applying for most CCSS housing assistance. Residents can create an account, submit applications, and upload required documents at chap.clarkcountynv.gov. It is critical that applicants create only one portal account, as multiple accounts will delay application processing.

Key CCSS Programs

• Eviction Prevention Program: This program is designed for residents who are already past due on rent and are at risk of becoming homeless.
• Benefits:
• Provides a one-time payment for up to twelve months of past-due rent and up to three months of future rent.  
• May offer relocation assistance and utility payment aid if eviction is unavoidable.  
• Eligibility:
• Fixed Income Rental Assistance Program: This program specifically targets residents on a fixed income who have been priced out of their housing due to a rent increase.
• Eligibility:
• General Financial Assistance Services (FAS): For broader housing-related expenses, the FAS program provides a monthly check.
• Benefits:
• A household of one may be eligible for up to $400 per month.  
• An additional $135 is available for each additional household member.  
• Assistance is generally limited to once every twelve months, with exceptions for documented barriers to employment or a disability.  
• Application: FAS applications can be submitted in-person, by email, by fax, or by mail. Forms are available for download from the CCSS website.

B. Key Non-Profit and Community Partners

When county programs are oversubscribed, a network of non-profit organizations provides another layer of support. These agencies often have their own funding and unique eligibility criteria.

• HELP of Southern Nevada: A major community resource offering comprehensive support services.
• Services: The Family Housing Services department focuses on housing for families with children, pregnant women, and youth who are homeless or at risk. They also provide utility assistance.  
• Contact: For rental and utility assistance, call (702) 369-4357 ext. 1864.  
• Hope Link of Southern Nevada: A critical family resource center for residents of Henderson and North Las Vegas.
• Services: Accepts a limited number of applications each month for rent, utility, and security deposit assistance.
• Application Process: Residents must call (702) 566-0576 (Monday-Thursday, 8am-5:30pm). The application list fills quickly due to high demand. If assistance is unavailable, callers are directed to the Clark County CHAP portal.
• Catholic Charities of Southern Nevada: This organization is a major provider of shelter and housing services but is not a direct rental assistance program.
• Services: The Housing Navigation Center assesses individual needs and connects them with appropriate community resources for financial aid. They also operate emergency shelters and transitional housing.
• Contact: (702) 385-2662.
• Economic Opportunity Board (EOB) of Clark County:
• Services: The EOB may be able to pay one month's rent directly to a tenant to resolve a short-term crisis.
• Application Process: Applicants must apply on the first day of the month, starting at 8 a.m.  
• Contact: (702) 445-7105.
• United Labor Agency of Nevada (ULAN):
• Services: ULAN offers assistance with rent, food, and Southwest Gas utility bills.
• Application Process: Applicants must first call (702) 648-3500 to be screened for eligibility.

C. City-Specific Programs

In addition to county-wide and non-profit aid, some municipalities offer their own programs.

• City of Las Vegas RAFT Program: Residents living within the official city limits of Las Vegas may be eligible for the RAFT (Residential Assistance for Families in Transition) program. Information can be found on the city's official website, LasVegasNevada.gov.

Washoe County Rent Relief Programs

In Northern Nevada, the system for rental assistance is more centralized, with the Reno Housing Authority (RHA) serving as the primary administrator for the region's largest government-funded programs. Residents of Reno, Sparks, and unincorporated Washoe County should generally start their search with the RHA.

A. Reno Housing Authority (RHA): The Central Hub

The RHA is the main entity for administering both emergency relief and long-term housing subsidies in Washoe County.

Contact Information

• Address: 1525 East 9th Street, Reno, NV 89512
• Phone: (775) 329-3630
• Website: renoha.org

Key RHA Programs

• Emergency Rental Assistance Program (ERAP/CHAP): This program provides short-term rental and utility assistance to residents who have suffered a negative financial impact from a crisis.
• Eligibility: Applicants must be a Washoe County resident, demonstrate a financial hardship, be at risk of housing instability, and have a household income at or below 80% of the Area Median Income (AMI). Priority is given to lower-income households or those with a member who has been unemployed for over 90 days.
• Application: Applications are submitted online at renoha.org. After submission, applicants receive a Welcome Packet in the mail with instructions for providing required documentation. Payments are made directly to the landlord or utility provider.
• Housing Choice Voucher (HCV / Section 8) Program: The HCV program is a long-term federal rental subsidy that helps low-income families afford housing in the private market by paying a portion of the rent directly to the landlord.
• Eligibility: Eligibility is determined by the household's adjusted annual income and family size.
• Waitlists: The RHA opens its waitlists for the HCV program periodically, with announcements made on their website.
• Special Purpose Vouchers: The RHA also administers vouchers for specific populations, such as veterans (HUD-VASH), former foster youth, and individuals fleeing domestic violence. These vouchers typically require a referral from a designated community partner agency.

B. City of Reno Programs

The City of Reno operates its own assistance program, providing another potential avenue for relief for its residents.

• Rental and Deposit Assistance Program:
• Eligibility: An applicant's income must not exceed 60% of the AMI. Applicants must also be at risk of homelessness and show a plan to sustain their housing after assistance ends.
• Application: Applications are processed through the City of Reno's Emergency Rental Assistance Portal, accessible via the city's website.

C. Community and Non-Profit Support

• Catholic Charities of Northern Nevada: Through its St. Marguerite Support Services, this organization provides case management to help connect clients with community resources for rental and utility assistance.
• Contact: 500 E. Fourth Street, Reno, NV 89512; (775) 322-7074.
• Community Services Agency (CSA): The CSA is another key non-profit in the region, offering emergency utility assistance and other stabilization services for low-income residents.

Rural Nevada Rent Relief Programs

Residents of Nevada's 15 rural counties often face fewer available resources compared to urban centers. The primary organization for housing assistance in these areas is Nevada Rural Housing (NRH).

Nevada Rural Housing (NRH): The Primary Agency

NRH is tasked with providing and financing affordable housing opportunities for all rural Nevadans, including those in the rural portions of Clark and Washoe counties.

Contact Information

• Address: 3695 Desatoya Drive, Carson City, NV 89701
• Phone: (775) 887-1795
• Email: operator@NVRural.org

NRH Programs

• Emergency Rental Assistance: This program was designed to help renters in NRH jurisdictions facing eviction or utility shut-off.
• Current Status: Funding for this program is currently unavailable, and NRH is not accepting new applications until further notice. The NRH website will be updated if new funding becomes available.
• Past Eligibility: When active, the program required applicants to be facing eviction, be a Nevada resident for at least two years, and meet specific income and rent limits.
• Housing Choice Voucher (HCV) Program: With emergency funds depleted, the HCV program is the main form of long-term rental assistance available in rural Nevada. This federally funded program provides a rental subsidy to help very low-income families, seniors, and people with disabilities.
• Application and Waitlist: The program operates with a waitlist. Applicants can create a Rent Café account through the NRH website to apply when the list is open and to check their status later. This is not an emergency solution, as wait times can be substantial.

The current lack of emergency funding in rural areas represents a significant service gap. Available aid has largely shifted from immediate crisis relief to long-term subsidies like the HCV program, which cannot address an imminent threat of eviction.

Essential Utility Assistance Across Nevada

For many households struggling with rent, utility bills present a co-occurring financial burden. A separate but related network of programs exists to help Nevadans with energy and water costs.

A. Statewide and Federal Programs

• Energy Assistance Program (EAP / LIHEAP): The Low Income Home Energy Assistance Program (LIHEAP), known in Nevada as EAP, is the primary statewide program for utility aid.
• Purpose: It provides a one-time annual supplement paid directly to a household's energy provider to help offset heating and cooling costs.
• Administration: The EAP is administered by the Nevada Division of Welfare and Supportive Services (DWSS).
• Application Period: Applications are accepted year-round, from July 1st through June 30th, or until funds are exhausted.

B. Utility Provider-Specific Programs

Major utility companies across the state offer their own assistance programs, often in partnership with local non-profits.

For NV Energy Customers

• Project REACH (Southern Nevada): This program provides emergency energy assistance for vulnerable southern Nevadans, including residents age 62 and older, medically fragile individuals, and deployed reserve or National Guard members. The program is administered by the United Way of Southern Nevada.
• SAFE (Northern Nevada): The Special Assistance Fund for Energy (SAFE) is for northern Nevada residents facing hardship. To qualify, a customer must have a utility bill that is at least 30 days past due and must not have received other energy assistance in the past 12 months. Applications are made through a local participating SAFE Partner agency.

For Southwest Gas Customers

• Energy Share Program: This emergency fund provides direct assistance to qualified customers experiencing unexpected financial difficulties. The program is funded by donations and administered by local non-profits, including HELP of Southern Nevada.
• Installment Plans: For customers with outstanding bills, Southwest Gas offers payment arrangements that allow the balance to be paid over an extended period to avoid service disconnection.

Eviction Prevention and Your Rights as a Tenant

Securing financial aid is only half the battle when facing eviction. Understanding and exercising one's legal rights as a tenant is equally important. Landlords must follow a specific legal process to evict a tenant; they cannot simply change the locks or shut off utilities.

The Most Important Step: Answering an Eviction Notice

When a landlord issues a formal eviction notice for non-payment of rent, the tenant has a limited time to respond.

• Filing an Answer: The tenant must file a formal document called a "Tenant's Answer" with the Justice Court in the township where the property is located. This is a mandatory step to contest the eviction and request a court hearing.
• Consequences of Inaction: Failure to file an answer within the specified time will result in a default judgment in favor of the landlord. This leads to an automatic eviction order without the tenant ever getting to speak to a judge.

Where to Find Free Legal Help

Several non-profit law firms provide free legal services to eligible low-income Nevadans facing housing issues.

• Legal Aid Center of Southern Nevada (Clark County): This is the primary resource for tenants in the Las Vegas area.
• Services: They operate an eviction prevention hotline at (702) 386-1070 and provide extensive resources, including court forms and free legal advice through programs like the weekly Landlord/Tenant Ask-A-Lawyer telephone clinic.
• Eviction Diversion Program: In partnership with the Las Vegas Justice Court and Clark County, certain tenants are automatically diverted to a meeting with CCSS to resolve the case with rental assistance before a court hearing occurs.
• Nevada Legal Services (Statewide): This organization serves low-income individuals throughout Nevada, with offices in multiple locations.
• Tenants' Rights Centers: NLS operates dedicated Tenants' Rights Centers in both Las Vegas (702-383-6095) and Reno (775-284-3491). They provide free legal services and education on matters like eviction notices, habitability issues, and illegal lockouts.
• Northern Nevada Legal Aid / Washoe Legal Services: These organizations provide free legal assistance specifically for low-income residents in Washoe County and surrounding northern Nevada areas who are facing eviction.

Sealing Your Eviction Record

An eviction filing, even one that does not result in a lockout, creates a public court record. This record can be a significant barrier to securing future housing.

The Legal Aid Center of Southern Nevada offers a free online clinic to help tenants understand if they are eligible to have their eviction court record sealed. The clinic provides guidance on the court process and assistance with completing the necessary legal motions. Sealing a record can make it much easier for a tenant to find a new home.

Frequently Asked Questions

For Nebraskans facing financial hardship and the stress of housing instability, finding reliable Nebraska rent relief is a critical priority. While the primary statewide emergency programs from the COVID-19 pandemic have largely concluded, a robust network of financial aid, housing stability services, and legal support remains active across the state.

The challenge has shifted from applying to a single, centralized program to navigating a landscape of local and specialized resources. The purpose here is to serve as the most current and comprehensive directory of these vital services, organized by geographic location to provide a clear and direct path to the help available in your community.

The Current Status of Statewide Emergency Rental Assistance (ERA)

To prevent confusion, it is important to understand the status of the large-scale programs that previously defined Nebraska rent relief. The Nebraska Emergency Rental Assistance (ERA) program, managed by the Nebraska Investment Finance Authority (NIFA) for 91 counties, is no longer accepting new applications. Due to high demand and the distribution of final funds, the program has transitioned to a waitlist system for any applications received after its deadline.

Individuals who applied before the transition can check their application status through the official NebraskaRentHelp.org portal. This program was part of a temporary, nationwide initiative funded by the U.S. Treasury through the American Rescue Plan Act of 2021. As these federal funds have been expended, these emergency programs have closed, shifting the focus to more traditional and localized forms of assistance.

Your First Step: Connecting with Centralized Nebraska Resources

With the conclusion of the statewide ERA program, Nebraska has established two primary starting points for anyone seeking housing assistance. These centralized resources act as "front doors" to the state's network of social services. Beginning your search here is the most effective way to identify the aid available in your specific area.

Using Nebraska Find Help to Locate Local Services

Nebraska FindHelp, accessible at nebraska.findhelp.com, is a free social care network designed to connect Nebraskans with local programs and services. This platform is a comprehensive, searchable database created through a collaboration between NIFA and the national findhelp.org platform.

To use the platform, you simply enter your ZIP code. The system will then generate a list of local organizations providing support for a wide range of needs, including:

• Rent payment assistance
• Help with utility bills
• Affordable housing locators
• Food pantries
• Healthcare services
• Financial assistance and counseling

This tool is the state's primary method for directing residents to the community-based organizations that can offer direct support.

Contacting Nebraska 2-1-1

For individuals who prefer to speak with a person or may not have reliable internet access, the Nebraska 2-1-1 hotline is an essential resource. It is a free, confidential information and referral service operated by trained specialists who can connect you with the most appropriate local resources.

You can connect with Nebraska 2-1-1 in several ways:

• By Phone: Dial 2-1-1 from any phone.
• By Text: Text your ZIP code to 898211.
• Online: Use the live chat feature on their website or search their online database.  

Both Nebraska Find Help and the 2-1-1 hotline are designed to bridge the information gap and provide a clear, reliable first step for anyone in need of assistance.

Rental Assistance for Douglas and Lancaster County Residents

Nebraska's two largest metropolitan areas, Omaha and Lincoln, have a distinct set of resources and agencies. During the pandemic, Douglas and Lancaster counties administered their own federal ERA funds separately from the rest of the state. While those specific ERA programs have also concluded, a strong network of local non-profits and housing authorities continues to provide support.

Housing Resources in Omaha and Douglas County

Residents of Omaha and the surrounding Douglas County area have access to several key organizations for emergency assistance and long-term housing solutions.

Emergency Financial Assistance

For immediate help with past-due rent or utilities to prevent eviction, several non-profits are primary points of contact. These include:

• Heartland Family Service: Offers a range of programs aimed at strengthening families and preventing homelessness.
• Together, Inc.: Provides short-term financial assistance for rent, utilities, and deposits to households enrolled in their programs to avoid or end homelessness.
• Family Housing Advisory Services, Inc.: Delivers homeless prevention services, rental counseling, and financial assistance.
• Catholic Charities of Omaha: Offers programs that can assist with housing stability.

Long-Term Housing Programs

For sustainable, affordable housing, the area is served by two Public Housing Authorities (PHAs). These agencies administer federal programs like the Housing Choice Voucher (Section 8) and Public Housing. It is important to note that these programs are not for immediate crises, as they often have long waiting lists.

• Omaha Housing Authority (OHA): Manages approximately 4,300 housing vouchers and various public housing units within its jurisdiction, which includes Omaha, Ralston, Papillion, LaVista, and Millard.
• Douglas County Housing Authority (DCHA): Administers the Section 8 program for parts of the county, enabling low-income families to rent from private landlords with rental assistance.

Legal Support for Tenants

The Tenant Assistance Project is a critical resource for renters facing eviction in Douglas County. This court-based program, a collaboration between legal aid, law schools, and the bar association, connects tenants with attorneys and provides resources to help them navigate their eviction hearings.

Housing Resources in Lincoln and Lancaster County

The Lincoln area has a dedicated infrastructure of organizations providing housing support. The city's primary ERA-funded portal, the Lincoln Prevention Assistance Common Fund (LPAC), ceased accepting applications as its funds were expended. However, other vital resources remain.

Emergency Financial Assistance

Residents in need of immediate help with rent or utilities should contact local providers directly. Key organizations include:

• Community Action Partnership of Lancaster and Saunders Counties: Provides emergency financial assistance for past-due rent, deposits, and utility bills for qualifying households. They can be reached at 402-471-4515.
• Catholic Social Services of Southern Nebraska: Offers an Emergency Services Program that can provide financial assistance for rent and utilities.
• St. Vincent de Paul Society: Provides assistance with rent, utilities, and other emergency needs.  
• The Salvation Army: Offers limited rent and utility assistance based on available funding.

Long-Term Housing Programs

The Lincoln Housing Authority (LHA) is the primary administrator of federal housing programs for the city. The LHA manages the Section 8 Housing Choice Voucher Program, which provides rental subsidies to eligible low-income households to rent in the private market. As with other PHAs, applicants should anticipate a long waiting period.

Legal Support for Tenants

Tenants in Lancaster County facing eviction have access to crucial legal help through programs operated by Legal Aid of Nebraska and the UNL Tenant Assistance Project. These organizations provide free legal representation and guidance to tenants at eviction court, which can be instrumental in preventing homelessness.

Rental Assistance in Nebraska's Other 91 Counties (Balance of State)

For residents living outside of the Omaha and Lincoln metropolitan areas, assistance is delivered through a network of regional non-profits and agencies. The primary sources of funding and support are the Nebraska Homeless Assistance Program and the state's nine Community Action Agencies.

The Nebraska Homeless Assistance Program (NHAP)

The Nebraska Homeless Assistance Program (NHAP) is a critical source of funding for housing stability services throughout the state. NHAP combines state funds with federal money from the HUD Emergency Solutions Grant. This money is then distributed as grants to a network of non-profit agencies across Nebraska.

Individuals do not apply directly to NHAP. Instead, you access these funds by contacting the designated local service provider in your area. NHAP-funded activities are focused on preventing and ending homelessness and include:

• Homelessness Prevention: Providing emergency financial assistance to households at imminent risk of losing their housing, which can include payments for past-due rent.
• Rapid Rehousing: Offering short-term rental assistance and services to help individuals and families who are currently homeless to quickly move into permanent housing. This can include help with security deposits and initial rent payments.

Finding Your Local Community Action Agency

For most Nebraskans in the 91 counties, the most direct path to emergency financial assistance is through their regional Community Action Agency. These nine agencies form a statewide network dedicated to helping low-income individuals and families. They are the primary on-the-ground providers that administer various state and federal programs.

Identifying the correct agency for your county is the most important step. The following directory provides the name, primary service area, and contact information for each of Nebraska's Community Action Agencies.

Contacting Your Local Public Housing Authority (PHA)

For long-term, income-based rental assistance through federal programs like the Housing Choice Voucher (Section 8), you must apply through your local Public Housing Authority. These agencies manage the application process and waiting lists. To find the correct PHA for your city or county, you can use the official directory provided by the U.S. Department of Housing and Urban Development (HUD).

Specialized Housing Support Programs in Nebraska

Beyond general rent relief, Nebraska offers several specialized programs designed to assist specific populations or address particular needs, such as utility costs or legal challenges.

Assistance for Nebraska Veterans

Veterans facing homelessness or housing instability have access to dedicated federal programs administered locally. These programs combine financial assistance with comprehensive case management.

• Supportive Services for Veteran Families (SSVF): This program provides case management and temporary financial assistance to very low-income veterans at risk of homelessness. Services can include help with rent, utility deposits, and moving costs.
• HUD-Veterans Affairs Supportive Housing (HUD-VASH): This program pairs HUD's Housing Choice Voucher (Section 8) with case management and clinical services from the Department of Veterans Affairs. It is designed for veterans experiencing homelessness.
• National Call Center for Homeless Veterans: Any veteran who is homeless or at risk can call 1-877-4AID-VET (1-877-424-3838) for 24/7 access to trained counselors who can provide immediate assistance.

Help with Utility and Energy Bills

For many households, high utility costs are a major driver of housing instability. Several programs specifically target this issue.

• Low Income Home Energy Assistance Program (LIHEAP): This federally funded program helps low-income households with their home energy bills. Nebraskans can apply for LIHEAP through the ACCESS Nebraska website or by calling 1-800-383-4278.
• Utility Company Programs: Major utility providers like Omaha Public Power District (OPPD) and Metropolitan Utilities District (MUD) often have their own customer assistance programs. Contact them directly to inquire about payment plans and assistance funds.

Legal Protection for Tenants Facing Eviction

Receiving an eviction notice is a legal process, and understanding your rights is critical. Financial assistance alone may not be enough if you are already facing a court date.

• Legal Aid of Nebraska: This statewide, non-profit law firm provides free civil legal assistance to low-income Nebraskans. Their attorneys can provide representation in eviction court and help tenants enforce their legal rights. Apply for assistance by calling 1-844-268-5627.
• Tenant Assistance Project: This initiative provides on-site legal assistance and resources for tenants on their court date in Lancaster and Douglas counties. The project aims to prevent immediate evictions by ensuring tenants have access to legal counsel.

Protecting Yourself from Assistance Scams

Scammers often try to take advantage of people in vulnerable financial situations. The Nebraska Investment Finance Authority has issued warnings about fraudulent offers related to rental assistance. To protect yourself, remember these critical points:

• No Application Fees: Legitimate government and non-profit assistance programs will never charge you a fee to apply for help.
• No Social Media Applications: Official agencies will not ask for sensitive personal data through social media platforms.
• Verify Website Links: Only use official websites for applications. The authentic statewide ERA program website was NebraskaRentHelp.org.
• Payments Go to Landlords: Legitimate rental assistance funds are paid directly to your landlord or utility provider, not to you.

If you encounter an offer that seems suspicious, trust your instincts and contact a legitimate organization like your local Community Action Agency or Legal Aid of Nebraska for guidance.

Taking Action to Secure Housing Stability

While the large-scale, federally funded emergency rent relief programs in Nebraska have ended, the state maintains a strong, decentralized network of support for residents facing housing crises. The key to securing assistance is knowing where to look and taking the right first step.

For any Nebraskan struggling to pay rent or utilities, the path forward begins with connection. Start by using the state's centralized resource locators—nebraska.findhelp.com and the 2-1-1 hotline—to get a clear picture of the services available in your zip code. For those in the 91 counties outside of the major metro areas, your most direct point of contact is the regional Community Action Agency. By reaching out to these on-the-ground organizations, you can connect with dedicated professionals who can help you maintain your housing and move toward stability.

Frequently Asked Questions

Facing a housing crisis and searching for Minnesota rent relief can feel overwhelming, but immediate help is available. Financial assistance programs exist across the state to help you pay past-due rent, cover security deposits, and prevent eviction.

From statewide initiatives managed by Minnesota Housing to county-level emergency aid and support from local non-profits, there are multiple avenues for support. This resource provides a clear, step-by-step breakdown of available programs, eligibility requirements, and exactly how to apply to secure the housing stability you and your family need.

The Minnesota Rent Relief System: How It Works

Successfully finding rent relief in Minnesota requires understanding how the system is organized. It is not a single program but a network of government agencies and non-profit partners working together.

Financial support flows from the state level down to local communities, where residents can access it. Knowing who to contact and in what order is the most important step toward getting help.

State-Level Agencies: The Funders

At the top level are two primary state agencies that manage and distribute state and federal funds for housing assistance:

• Minnesota Housing Finance Agency (MHFA): This is the state’s main housing agency. It runs large-scale grant programs designed to fund affordable housing and provide rental subsidies. MHFA typically does not provide money directly to individuals. Instead, it awards grants to local governments and non-profit organizations, which then deliver the assistance to residents.
• Minnesota Department of Human Services (DHS): The DHS oversees various social service and cash assistance programs, including emergency aid for housing crises. Like MHFA, it works through county and tribal human services offices to administer these benefits to the public.

County and Tribal Governments: The Administrators

For most Minnesotans facing an immediate housing crisis, the local county or Tribal Nation human services office is the most important starting point. These government bodies are the primary administrators of emergency assistance programs, receiving funds from the state and federal government to process applications from residents in their jurisdiction.

Programs at this level are designed to provide short-term, emergency cash grants to prevent eviction or utility disconnection. The main application portal for most county-level assistance is the online system MNbenefits.mn.gov.

Non-Profit and Community Partners: The Service Providers

A vital part of the rent relief network is composed of non-profit and community-based organizations. Groups like Community Action Partnerships, The Salvation Army, Lutheran Social Service of Minnesota, Catholic Charities, and local organizations like the Wilder Foundation or Neighborhood House are often the on-the-ground service providers.

These partners play several key roles:

• They may have their own private funding to assist with rent.
• They often receive contracts from the state and county to administer official government programs, such as the Family Homeless Prevention and Assistance Program (FHPAP).
• They provide essential case management and support services to help families achieve long-term stability.

In many cases, after applying for county aid, the next step is to connect with one of these community partners who may have access to different funding streams or specialized programs.

Coordinated Entry System: The Triage Process for Homelessness

For individuals and families who are currently experiencing homelessness—meaning they are sleeping in a shelter, in a car, or outside—there is a specific, mandatory process called the Coordinated Entry System (CES).

This statewide system is designed to assess the needs of people without housing and match them with the most appropriate long-term housing resources, such as permanent supportive housing. It is not a traditional waiting list but a system that prioritizes those with the most significant needs. Access to certain state-funded programs, like the Housing Trust Fund, is available only through a referral from the Coordinated Entry System.

Statewide Programs from Minnesota Housing (MHFA)

Minnesota Housing (MHFA) is the financial engine behind many of the state's rent relief efforts. While individuals do not apply directly to MHFA for assistance, understanding its major programs helps in identifying the local organizations that distribute these funds. The primary way for a person in need to find help is by using the "Find Housing Help" resource on the MHFA website, which directs them to the correct local providers.

Bring It Home Rental Assistance Program

The Bring It Home program is a newer state initiative created to provide rental assistance for low-income families across Minnesota.

• Purpose: The program offers both tenant-based vouchers (which move with the family) and project-based assistance (tied to a specific apartment unit). It is targeted at households with incomes at or below 50% of the Area Median Income (AMI), with a special priority for families with children whose incomes are below 30% AMI.
• How to Access: MHFA has awarded approximately $123 million in grants to local Program Administrators, such as Public Housing Authorities (PHAs) and Housing and Redevelopment Authorities (HRAs). To access this assistance, residents must contact their local housing authority or designated non-profit partner. The MHFA website directs individuals seeking this help to its "Find Housing Help" page.
• Status: The application period for administrators is closed, which means the funds are now with local agencies and being distributed to the community.

Family Homeless Prevention and Assistance Program (FHPAP)

FHPAP is one of the state's core programs for preventing and ending homelessness. It offers a flexible combination of financial aid and supportive services.

• Purpose: FHPAP provides direct financial assistance for costs like rent payments, security deposits, or utility bills. It is coupled with support services to help households stabilize their housing situation quickly.
• Eligibility: The program is for Minnesota residents with a household income at or below 200% of the federal poverty guidelines who are currently homeless or at imminent risk of becoming homeless.
• How to Access: Individuals must apply through a designated local FHPAP provider, not MHFA. MHFA provides a statewide map and a contact list of FHPAP providers for every county. Finding and contacting the correct local provider is the necessary first step.
• Status: The program is active and continuously funded, with MHFA regularly opening applications for local organizations to become FHPAP providers.

Housing Trust Fund (HTF) Rental Assistance

The Housing Trust Fund (HTF) program provides rental assistance for some of Minnesota's most vulnerable residents who are experiencing homelessness.

• Purpose: HTF offers temporary rental assistance, security deposits, and other housing-related expenses for individuals and families designated as High Priority Homeless (HPH). The assistance is provided in partnership with supportive services to help participants achieve long-term housing stability.
• How to Access: Access to this program is highly restricted. Individuals cannot apply directly for HTF rental assistance. The only way to access this program is to be assessed and referred through the local Coordinated Entry System (CES).
• Status: The program is active and funded, with ongoing contract terms for the local agencies that administer it.

County Emergency Assistance: Your First Call for Help

For most renters facing an unexpected financial crisis, county-run emergency assistance programs are the first and most direct source of help. These programs provide immediate, short-term cash grants to resolve a crisis and prevent homelessness.

The fastest way to apply is through the state's centralized online portal, MNbenefits.mn.gov. This single application can be used for multiple benefit programs at once, including emergency assistance, SNAP (food support), and cash assistance. After submitting an online application, a county financial worker will typically call to conduct a required phone interview.

Deep Dive: Ramsey County Emergency Assistance

Ramsey County offers two distinct emergency programs based on household composition. Both are designed to help with shelter costs like past-due rent or a security deposit, as well as utility bills to prevent disconnection.

• Emergency Assistance (EA): This program is for households with children and pregnant women.
• Emergency General Assistance (EGA): This program is for adults without children in the household.

General Eligibility Requirements:

1. Time Limit: The household has not received EA or EGA help in the last 18 months.
2. Income: Household income is less than 200% of the Federal Poverty Guideline.
3. Need: The household does not have enough resources or assets to resolve the financial crisis.
4. Sustainability: The household can demonstrate it has enough ongoing income to pay bills moving forward.

The benefits and target populations differ significantly between the two programs, as detailed below.

How to Apply in Ramsey County:

• New Applicants: The fastest way is to apply online at MNbenefits.mn.gov. Alternatively, call the Intake Hotline at 651-266-4444.
• Current Public Assistance Recipients: If a household already has an open case for SNAP, healthcare, or cash assistance, they should contact their caseworker directly or call the Emergency Assistance Hotline at 651-266-4884 to apply.

Deep Dive: Hennepin County Emergency Programs

Hennepin County also provides short-term aid to residents in a financial crisis. Assistance can cover housing costs like past-due rent or damage deposits, utility shut-off prevention, moving expenses, and even home repairs.

The application process is similar to Ramsey County's, with the preferred method being the online application at MNbenefits.mn.gov, followed by a required phone interview. However, the structure of assistance in Hennepin County involves a critical partnership with a non-profit organization.

• Hennepin County Emergency Assistance: This is the primary government program. Residents apply here first for help with a range of emergency needs.
• Community Action Partnership of Hennepin County (CAP-HC): CAP-HC is a key non-profit partner that runs its own Rental Assistance program. This program can help pay past-due rent or a security deposit with grants of up to $1,000. It has its own application and eligibility requirements, including a household income at or below 200% of the Federal Poverty Level.

The Sequential Application Process: To receive security deposit assistance from CAP-HC, an applicant must first apply for and receive a denial letter from Hennepin County Emergency Assistance. This means a resident in need of a security deposit must follow a specific order:

1. Apply to Hennepin County's program via MNbenefits.mn.gov.
2. If denied, save the denial letter.
3. Use that denial letter to apply for CAP-HC's Rental Assistance program.

For renters in Hennepin County who are unsure where to begin, the Tenant Resource Connection is an essential first call. They provide referrals and direct assistance for emergency aid, legal help, and mediation services at 612-767-9737.

City-Specific Rental Assistance (Minneapolis & St. Paul)

In addition to state and county programs, Minnesota's largest cities sometimes offer their own unique housing initiatives. However, their approaches and the availability of direct rent relief can differ significantly.

Minneapolis: Stable Homes Stable Schools

The City of Minneapolis runs a highly specialized and targeted rental assistance program called Stable Homes Stable Schools. This program is not a general emergency fund but a long-term initiative aimed at a specific population.

• Purpose: This program is a partnership between the City of Minneapolis, Minneapolis Public Schools (MPS), the Minneapolis Public Housing Authority (MPHA), and the YMCA. It provides up to three years of rental assistance to families with school-age children who are experiencing homelessness.
• Eligibility: To be eligible, a family must have a student enrolled in an eligible MPS school, be experiencing homelessness as defined by the federal McKinney-Vento Act, and have a household income at or below 30% of the Area Median Income.
• How to Access: This program has a single, exclusive entry point. Families cannot apply directly. They must be referred into the program by a school social worker at their child's school.

St. Paul: Focus on County-Level Aid

The landscape for direct rent relief in St. Paul is different. The city's primary COVID-19 emergency rental assistance program is now closed. The city's current housing strategy focuses more on long-term solutions, such as using its Housing Trust Fund to support the construction of affordable housing units.

For St. Paul residents in need of immediate financial assistance for rent, the primary resource is Ramsey County's Emergency Assistance (EA) and Emergency General Assistance (EGA) programs. St. Paul residents should follow the application procedures for Ramsey County, starting with the MNbenefits.mn.gov website.

Key Non-Profit and Community Partners

Non-profit organizations are an indispensable part of Minnesota's housing safety net. They not only provide their own privately funded assistance but also act as official partners in delivering government-funded programs.

The Salvation Army

The Salvation Army offers a comprehensive range of housing services across Minnesota.

• Direct Financial Aid: Many local Salvation Army Worship and Service Centers provide emergency financial assistance for past-due rent and utility bills. This assistance is dependent on available funding at each location, so it is important to call first.
• Housing Programs: They operate emergency shelters, transitional housing facilities, and permanent supportive housing options for different populations.
• Government Program Administration: In some parts of the state, The Salvation Army is a designated provider for the state's Family Homeless Prevention and Assistance Program (FHPAP).  
• How to Access: The best way to find help is to enter a ZIP code on their website to find the nearest location or call the local service center to inquire about available funds.

Lutheran Social Service of Minnesota (LSS)

LSS is another major statewide organization deeply involved in housing stability.

• Financial Assistance: LSS provides one-time, short-term financial assistance to households facing eviction. Access to this assistance often requires a referral from the local Coordinated Entry System.
• Subsidy Administration: LSS acts as a subsidy administrator for state and federal rental assistance programs, paying rent subsidies directly to landlords on behalf of eligible households.
• Affordable Housing: The organization also owns and manages its own affordable housing properties in the Twin Cities metro area.

Catholic Charities

Catholic Charities operates numerous programs across Minnesota with a strong focus on housing assistance.

• FHPAP Provider: Catholic Charities serves as a key FHPAP provider in several counties, including the St. Cloud region. They help families and single adults who are homeless or at risk by providing funds for rent and utilities.
• Specialized Funds: They also run specialized programs like the Mother and Child Assistance Fund in Southern Minnesota, which provides one-time rent or utility assistance to pregnant women and families with children under one year old.

Other Key Organizations and Resources

• United Way 2-1-1: This is a free, confidential information and referral service. For anyone who is unsure where to start, dialing 2-1-1 (or 800-543-7709) is the best first step. A specialist can provide information on local housing services.
• Wilder Foundation: Serving Ramsey County, the Wilder Foundation offers an Eviction Prevention Program and a Direct Housing Assistance Program. These programs provide financial aid for rent and security deposits to eligible individuals and families.
• Neighborhood House: Also serving Ramsey County, Neighborhood House is a designated homelessness prevention provider. Its staff works directly within the Ramsey County Civil Housing Court to connect tenants facing eviction with financial resources.

Navigating the Process: Coordinated Entry, Applications, and Legal Rights

Securing rent relief requires navigating specific application systems, gathering correct documentation, and understanding legal rights. The path to assistance differs based on one's housing situation.

Understanding the Coordinated Entry System (CES)

The Coordinated Entry System is the centralized process in Minnesota for people experiencing homelessness to access housing resources.

• What It Is: CES is a standardized assessment and referral system, not a first-come, first-served waiting list. It is designed to prioritize individuals and families with the highest needs for limited housing resources.
• Who It's For: The system is for people who are literally homeless (e.g., living in a shelter, car, or on the street) or, in some regions, fleeing domestic violence or at imminent risk of homelessness.
• How It Works: A person contacts a local "access point" in their county. An assessor conducts a standardized interview to understand the household's situation. The household is then added to a regional priority pool and matched to housing openings as they become available.
• How to Find Your Access Point: The best tool for finding the correct local access point is the Homeless Services Map on the Housing Benefits 101 website (mn.hb101.org). Select a county to find a list of designated access point agencies and their contact information.

Preparing Your Application: A General Checklist

While each program may have slightly different requirements, most applications for rent or emergency assistance will require the same core documents. Gathering these items ahead of time can speed up the process.

• Photo Identification: A valid photo ID for all adult members of the household.
• Proof of Income: Documentation for the last 30 days for all adult household members, such as pay stubs or benefit statements.
• Proof of Household Size: A copy of the current lease listing all household members or a recent tax return.
• Proof of Address/Residency: A recent utility bill or a copy of the lease.
• Proof of Housing Crisis: The document that proves the emergency, such as a formal eviction notice or a letter from the landlord stating the amount of rent past due.
• Landlord Information: A completed W-9 form from the landlord is often required so that the agency can make a direct payment.

What to Do if You Are Facing Eviction

Receiving an eviction notice or a court summons is a serious event, but it is crucial to act quickly and strategically.

• Do Not Ignore a Court Summons: The single most important thing to do is attend the court hearing. If a tenant does not show up, the judge will almost certainly rule in favor of the landlord.
• Seek Immediate Free Legal Help: Tenants have rights, and several organizations in Minnesota provide free legal advice and representation to low-income renters.
• HOME Line: This statewide non-profit operates a free tenant hotline at 612-728-5767.
• Regional Legal Aid: Organizations like Mid-Minnesota Legal Aid and Southern Minnesota Regional Legal Services provide free legal representation to eligible clients in housing cases.
• Hennepin County Adult Representation Services: In Hennepin County, this organization provides free lawyers to help tenants navigate the housing court system.
• Contact Your County and Local Partners: Immediately apply for emergency assistance through MNbenefits.mn.gov and contact local resources who may be able to provide financial assistance or mediation services at court.

Beyond Rent: Essential Support for Housing Stability

A housing crisis is often connected to other financial pressures. Securing long-term stability means addressing not just past-due rent but also other essential expenses.

Utility Bill Assistance

Struggling to pay for electricity, heat, or water can also put housing at risk. Several programs can help.

• Minnesota's Energy Assistance Program (EAP): This is the state's primary program for helping with energy bills. It is a federally funded program that provides grants paid directly to utility companies on behalf of eligible households. The program runs from October 1 to May 31 each year, and applications should be submitted to the local EAP service provider.
• Salvation Army Heat Share: This program, funded by donations, provides emergency assistance to households that have received a disconnection notice.
• Gas Affordability Program (GAP): For households that qualify for the Energy Assistance Program and use natural gas for heat, this program may offer an affordable payment plan.
• Weatherization Assistance Program: This program provides free home energy upgrades, such as insulation and air leak sealing, to income-eligible households to permanently reduce their energy costs.

Housing Counseling Services

For those who need guidance on budgeting, credit repair, or navigating the rental market, free help is available from certified housing counselors.

• HUD-Approved Housing Counselors: The U.S. Department of Housing and Urban Development (HUD) funds a nationwide network of housing counseling agencies. These non-profits provide free or low-cost advice on a wide range of housing topics, including rental counseling and financial management.
• Minnesota Homeownership Center: This organization supports a network of non-profit advisors across the state who provide expert, non-biased financial advice that can also be beneficial for renters looking to improve their financial health and achieve long-term housing stability.

By leveraging these additional resources, Minnesota residents can address the root causes of housing instability and build a more secure financial future.

Frequently Asked Questions

For Michigan residents seeking help from a rent relief program, understanding the current landscape of available aid is the first critical step. While large-scale emergency programs have concluded, a network of statewide and local assistance remains to help with rent, eviction, and utility costs.

Securing this support involves knowing which programs you may qualify for and where to begin. The process often starts with the Michigan State Housing Development Authority (MSHDA) or resources within your specific county.

Navigating Michigan's Rent Assistance Landscape

The system for housing assistance in Michigan has evolved. Emergency measures from the COVID-19 pandemic have been replaced by more structured, ongoing support programs. For tenants in a housing crisis, it's vital to understand the status of past programs and identify the correct points of contact for immediate help.

The End of the CERA Program

The COVID Emergency Rental Assistance (CERA) program was a temporary, federally funded initiative addressing pandemic-related hardships. Administered by MSHDA through local partners, it was a critical lifeline for Michigan renters.

The program provided over $750 million to more than 142,000 households, with an average of $5,600 per household for rent, utilities, and internet. The CERA application portal closed on June 30, 2022, and no new aid is available through this specific program. The conclusion of CERA marked a significant shift in how rent relief is accessed in Michigan.

Where to Turn for Immediate Help

If you are facing an immediate housing crisis, such as an eviction notice, the current system has specific entry points to assess your needs and direct you to the right resources.

• Dial 2-1-1: This is a free, confidential starting point for anyone needing help in Michigan. Trained specialists are available 24/7 to connect you with local resources for emergency shelter, rent payment assistance, and utility help. You can call 2-1-1, text your zip code to 898211, or search online at mi211.org.
• Contact Your Local HARA: Housing Assessment and Resource Agencies (HARAs) are the official entry points for the homeless crisis response system in each county. These agencies assess a household's needs and can provide direct assistance or refer you to programs like homeless prevention funds or emergency shelter.

Statewide Rental Assistance Programs via MSHDA

The Michigan State Housing Development Authority (MSHDA) runs several long-term rental subsidy programs. These are not typically one-time grants but ongoing assistance for low-income households. Demand is high, and most programs have a waiting list.

MSHDA Rental Assistance Program Summary

Housing Choice Voucher (HCV) Program

Commonly known as Section 8, the Housing Choice Voucher (HCV) program helps very low-income families, the elderly, and people with disabilities afford housing in the private market. The program pays a subsidy directly to the landlord, and the family typically pays 30% of its adjusted monthly income for rent and utilities.

Eligibility and Applying for HCV

Eligibility depends on factors like income (usually below 50% of the area median income), family size, and citizenship status. Demand for vouchers far exceeds supply, leading to long waiting lists. MSHDA uses a preference system, giving priority to applicants who live or work in the county of application or have a disability. 

Important Update: Due to budget constraints, MSHDA will close all its HCV waiting lists to new applications starting July 1, 2024. This closure includes households that would normally qualify via the homeless preference. When a list is open, applications are submitted online via the MSHDA Applicant Portal.

Project-Based Voucher (PBV) Program

The Project-Based Voucher (PBV) program differs from HCV because the rental assistance is attached to a specific housing unit, not the family. If a family moves, the subsidy stays with the unit for the next eligible tenant.

To apply, individuals typically contact the management office of a participating property directly, rather than applying to a central MSHDA list. MSHDA provides a list of these properties on its website.

Specialized Housing Support Programs

MSHDA also oversees programs for specific vulnerable populations. These operate on a referral basis from partner agencies, not through direct public application.

• HOME-American Rescue Plan (HOME-ARP): This program uses federal funds to help those who are homeless, at risk of homelessness, or fleeing domestic violence. MSHDA was allocated over $63 million for rental assistance, supportive services, and housing development. Access is coordinated through local Continuums of Care (CoCs) and HARAs.
• HUD-Veterans Affairs Supportive Housing (HUD-VASH): This partnership between HUD and the VA serves veterans experiencing homelessness. It combines a Housing Choice Voucher with VA-provided case management and clinical services. Veterans must get a referral from a VA Medical Center to participate.
• 811 Project Rental Assistance (811PRA) Program: This program supports extremely low-income, non-elderly adults with disabilities, helping them live independently. It combines rental assistance with community-based support services. Eligibility requires a referral from the Michigan Department of Health and Human Services (MDHHS) or a partner agency.

Local and County-Level Housing Resources

While MSHDA manages statewide programs, emergency assistance is delivered locally. Knowing the primary agency in your area is essential for accessing help quickly.

Major County HARA/Community Action Contact Information

Wayne County and Detroit

The Wayne Metropolitan Community Action Agency is a primary provider with over 100 programs. Its Connect Center (313-388-9799) is a central contact for housing, utility, and tax assistance. The Detroit Housing Commission (DHC) administers federal programs like HCV and PBV within Detroit, though its HCV waiting list is currently closed.

Oakland County

In Oakland County, the Community Housing Network (CHN) runs a Homeless Prevention program providing rental assistance to low-income residents at risk of losing their housing. Other key organizations include Lighthouse MI and OLHSA. For legal help with eviction, tenants can contact the  Legal Aid and Defender Association (LAD). The county also offers free housing counseling services.

Macomb County

Macomb Community Action (MCA) is the county's designated HARA, making it the first stop for anyone in a housing crisis. Residents can call (586) 469-5656 to be connected with services like Homeless Prevention funds and Emergency Shelter. The Salvation Army also offers emergency financial assistance for rent and utilities in the county.

Kent County and Grand Rapids

The Grand Rapids Housing Commission (GRHC) manages the area's Section 8 and Public Housing programs. A key resource is the Kent County Eviction Prevention Program (EPP), a partnership with the 61st District Court. This program helps eligible tenants access State Emergency Relief funds to pay back rent and avoid a court judgment. The Salvation Army serves as the county's HARA, and Kent County Community Action provides homeless prevention assistance.

Eviction Prevention and Utility Assistance

Housing stability often depends on more than just rent. Legal issues and utility shut-offs can also lead to eviction. Michigan has specific resources to address these challenges.

State Emergency Relief (SER) Program

Administered by the Michigan Department of Health and Human Services (MDHHS), the State Emergency Relief (SER) program offers limited, one-time aid to low-income households in emergencies. This can include funds to prevent eviction. Residents can apply online through the MI Bridges portal or by calling 855-275-6424.

Eviction Diversion and Legal Aid

Tenants facing eviction have rights, and legal support can make a significant difference. Organizations like the Legal Aid and Defender Association (LAD) and programs like the Kent County EPP work to divert cases from a formal eviction judgment. For free legal information on tenant rights, Michigan Legal Help (michiganlegalhelp.org) is a valuable statewide resource.

Help with Utility Bills

Past-due utility bills can be a cause for eviction. Many of the same organizations that provide rental assistance also help with energy and water bills, including local Community Action Agencies and The Salvation Army. The Michigan Energy Assistance Program (MEAP) also provides statewide help with heating and electricity costs when it is open to applications.

Frequently Asked Questions

For Montana residents facing financial hardship, securing stable housing is a primary concern. While the large-scale, pandemic-era Montana Emergency Rental Assistance (MERA) program provided a critical lifeline, the landscape of available support has evolved.

Understanding the current network of state, federal, and local programs is essential for navigating housing instability. A range of robust, ongoing assistance options exists to help renters with long-term subsidies, emergency funds, and eviction prevention. These resources are administered by various agencies, and knowing where to turn first can make a significant difference.

The Current State of Rental Assistance in Montana: Moving Beyond MERA

It is crucial for residents seeking aid to understand the status of the state's most prominent recent program. The Montana Emergency Rental Assistance (MERA) program, funded by the federal government to address COVID-19-related hardships, has shifted its operations.

MERA Program Closure

The MERA program is no longer accepting new applications. The application portal officially closed at 11:59 p.m. on March 24, 2023.

For tenants and landlords who submitted applications on or before that deadline, the MERA program continues to process the existing queue of requests. Applicants with pending applications should diligently monitor their emails for status updates and requests for information from program administrators.

The Shift to Ongoing Support

The conclusion of the MERA program does not signify an end to housing support in Montana. Instead, it marks a return to long-standing, sustainable programs designed to provide ongoing stability.

The closure of the centralized MERA system means that assistance is now accessed through a more decentralized network of state agencies, regional Human Resources Development Councils (HRDCs), local non-profits, and federal programs. This requires a different approach; rather than a single application, individuals must now navigate a variety of specialized resources. The following sections provide a clear roadmap to these currently available and active programs.

Statewide Rental Assistance Programs: Your Foundation for Long-Term Stability

The Montana Department of Commerce, through its Housing Division, serves as the central administrator for several foundational, long-term rental assistance programs. These programs are designed to provide sustainable support to Montanans whose housing needs are not met by the private market.

A key distinction among these programs is whether they offer "tenant-based" assistance, which moves with the family, or "project-based" assistance, which is tied to a specific housing unit. Understanding this difference is fundamental to developing an effective strategy for securing aid.

The Housing Choice Voucher Program (Section 8): Flexible, Tenant-Based Support

The Housing Choice Voucher (HCV) program, commonly known as Section 8, is the nation's primary rental assistance program for low-income families. It is funded by the U.S. Department of Housing and Urban Development (HUD) and administered in Montana by the Department of Commerce, which acts as the statewide Public Housing Authority (PHA).

How It Works

The program provides a rental subsidy, or "voucher," directly to eligible households. This assistance is tenant-based, meaning it is portable and belongs to the family, not the housing unit. This gives participants the flexibility to find and choose their own housing—including single-family homes, townhouses, and apartments—in the private rental market, provided the landlord agrees to participate in the program.

As a general rule, participating families pay approximately 30% of their adjusted gross monthly income toward rent and utilities. The voucher subsidy covers the remainder of the rent up to a locally defined payment standard.

Eligibility

Eligibility is determined by local PHAs or their designated field agents, such as regional HRDCs. The criteria are primarily based on total annual gross income and family size. In general, a family's income may not exceed 50% of the Area Median Income (AMI) for the county in which they choose to live. Applicants must also be U.S. citizens or have an eligible immigration status.

Application Process

Securing a Housing Choice Voucher is a multi-step process that requires patience.

1. Apply to the Waiting List: Interested households must first apply to be placed on a waiting list. Applications can be completed online or by obtaining a paper copy from a local HRDC field office. The Montana Department of Commerce provides an interactive map on its website to help applicants identify the correct region for their application.
2. Wait for Selection: Due to high demand, waiting lists for HCVs are often long. It is critical for applicants to keep their contact information, particularly their mailing address, up to date with the housing authority while on the list.
3. Verification and Issuance: When an applicant's name reaches the top of the list, they will be contacted by mail to begin the final eligibility verification process. If confirmed eligible, the household will be issued a voucher and will typically have 60 days to find a suitable housing unit.

Targeted Housing Programs for Specific Needs

Beyond the general HCV program, the Montana Department of Commerce oversees specialized programs designed to assist specific populations with unique housing challenges.

Veterans Affairs Supportive Housing (HUD-VASH)

This program is a collaborative effort between HUD and the U.S. Department of Veterans Affairs (VA) to serve veterans who are experiencing homelessness. It pairs a Housing Choice Voucher with comprehensive case management and clinical services provided by local VA medical centers.

Participation in these supportive services is a mandatory component of the program. The Montana Department of Commerce administers two forms of HUD-VASH assistance: traditional tenant-based vouchers that allow veterans to choose their own housing, and project-based vouchers at specific locations, such as Freedom's Path at Fort Harrison.

Section 811 Supportive Housing for Persons with Disabilities

The Section 811 program provides rental assistance to households that include at least one adult member with a disability. Unlike the HCV program, this assistance is project-based, meaning the subsidy is attached to a specific apartment unit rather than the individual tenant.

Property owners receive the subsidy from HUD, allowing them to offer reduced rents to eligible tenants. Tenants in these units typically pay 30% of their adjusted income toward rent. If a tenant moves from a Section 811 unit, the assistance remains with the unit for the next eligible tenant. The Department of Commerce provides a list of participating Section 811 properties.

Other Subsidized Housing (Project-Based Assistance)

For individuals seeking housing assistance, applying for project-based programs in parallel with the tenant-based Housing Choice Voucher can be a highly effective strategy. While project-based options limit housing choice to specific locations, their waiting lists may be shorter, offering a more immediate path to an affordable home.

Project-Based Section 8

In this program, the rental subsidy is attached to the property. Owners of private rental housing enter into a contract with HUD to provide affordable units to low-income tenants. The Montana Department of Commerce acts as the contract administrator for many of these developments, ensuring regulatory compliance. Tenants living in these units receive the benefit of the subsidy, but the assistance does not move with them if they choose to leave the property.

Moderate Rehabilitation (MOD Rehab)

The MOD Rehab program also provides project-based rental assistance at specific properties. For applicants, this program may offer a faster route to receiving assistance compared to the HCV waiting list.

It is critical to understand that the rental assistance is tied to the building; a tenant who moves from a MOD Rehab property will lose the subsidy. Those interested in this option can indicate their interest on the general Housing Choice Voucher waiting list application.

Local and Regional Support: Your Community Action Network

While statewide programs offer a foundation for long-term housing stability, the most immediate and accessible assistance is often found at the local level. A network of community-based organizations across Montana serves as the frontline for connecting residents with a wide array of support services. For anyone in a housing crisis, contacting their local community action agency should be the first step.

Human Resources Development Councils (HRDCs): The Central Hub for Assistance

Human Resources Development Councils (HRDCs) are non-profit Community Action Agencies that serve as the primary local hubs for social services in designated counties throughout Montana. These organizations are the on-the-ground navigators of the entire assistance system. Their staff possess localized knowledge of available funds, partnerships with other non-profits, and the expertise to guide individuals through complex application processes.

HRDCs administer a diverse portfolio of services critical to housing stability:

• Housing Choice Voucher (Section 8) Administration: In many parts of the state, the local HRDC is the field office for the Montana Department of Commerce, responsible for accepting and processing applications for the Housing Choice Voucher program.
• Homeless Prevention and Rapid Re-Housing: Through federal Emergency Solutions Grant (ESG) funding, HRDCs provide financial assistance and services to prevent homelessness. This can include one-time payments to landlords for households with an eviction notice or funds to help individuals currently experiencing homelessness secure a new rental unit.
• General and Emergency Assistance: Some HRDCs offer their own emergency or general assistance programs. For example, HRDC 7 in the Billings area provides rental assistance for individuals with disabilities awaiting SSI/SSDI approval , and HRDC 4 in north-central Montana offers rental and deposit assistance to families facing homelessness.
• Energy Assistance: HRDCs are the local intake offices for the Low Income Home Energy Assistance Program (LIHEAP) and Energy Share of Montana, which help households pay their heating and energy bills, freeing up money for rent.

Montana HRDC and Community Action Agency Directory

To find the correct agency for a specific county, refer to the directory below. Contacting the appropriate office is the most effective first step toward accessing local and state resources.

Local Non-Profit and Faith-Based Assistance

In addition to HRDCs, many communities have local non-profit and faith-based organizations that provide emergency financial assistance. These funds are often limited and distributed on a first-come, first-served basis. It is always advisable to call ahead to inquire about the availability of funds and the application process.

• Family Service, Inc. (Billings): Serving Yellowstone County, this organization may offer one-time rent assistance to prevent eviction or help with security deposits. Funding is highly limited, and they recommend seeking help at the beginning of the month.
• The Salvation Army: Local Salvation Army corps across Montana often have emergency assistance programs that can include help with rent or utility bills. The Great Falls office provides rental assistance , and the Missoula office runs a specific Winter Rental Assistance program.
• St. Vincent de Paul (Billings): This organization's charity office can provide direct financial aid to those facing eviction, often by writing a check directly to the landlord to cancel the eviction. 
• Good Samaritan Ministries (Helena): Through the Emergency Food and Shelter Program (EFSP) grant, this ministry can assist with rent and mortgage payments for individuals in emergency housing situations.

Preventing Eviction: Know Your Rights and Get Legal Help

For a tenant facing an eviction notice, the situation can feel overwhelming. However, it is critical to understand that the eviction process in Montana is governed by specific legal procedures, and tenants have clearly defined rights. A landlord cannot simply change the locks or force a tenant out without following a legal process.

The Legal Eviction Process in Montana: What to Expect

The eviction process is a legal action that must proceed through the court system. A landlord cannot take matters into their own hands. A court order signed by a judge is required for a legal eviction.

Step 1: Written Notice

The legal process begins when a landlord provides the tenant with a formal, written notice terminating the rental agreement. The length of the notice period is dictated by the reason for the termination.

• 3-Day Notice: Used for non-payment of rent or certain lease violations like having an unauthorized pet.
• 5-Day Notice: Can be issued if a tenant commits the same lease violation within six months of a prior notice.
• 14-Day Notice: For most other lease violations, giving the tenant time to correct the issue.
• 30-Day Notice: For a month-to-month tenancy, a landlord can terminate the agreement without cause.

Step 2: Lawsuit (Action for Possession)

If the tenant does not comply with the notice by the deadline, the landlord's next step is to file an eviction lawsuit, also known as an "Action for Possession," with the local court.

Step 3: Summons and Complaint

After the lawsuit is filed, the tenant will be formally served with court documents, typically a Summons and a Complaint. This is a critical moment that requires immediate action from the tenant.

Your Most Important Deadline: The 5-Day Response

Once a tenant is served with a Summons and Complaint for eviction, a strict legal timeline begins. The single most important action a tenant must take is to file a formal response with the court.

• You have only FIVE business days from the day after you are served to file a written "Answer" with the Clerk of Court.
• An Answer is a legal document where the tenant responds to the landlord's claims and can present any defenses.
• Failure to file an Answer within this five-day window will almost certainly result in a default judgment against the tenant. This means the landlord wins the case automatically.
• Even if a tenant plans to move, filing an Answer is crucial to protect their rights. Resources like MontanaLawHelp.org provide free, interactive forms to help tenants file an Answer correctly.

Montana Legal Services Association (MLSA): Your Strongest Ally

Facing a legal process alone can be intimidating. The Montana Legal Services Association (MLSA) is a non-profit law firm dedicated to providing free civil legal services to low-income Montanans.

The Montana Eviction Intervention Project (MEIP)

MLSA operates this specific project to provide free legal representation directly to tenants facing eviction. The project's attorneys can help tenants understand their rights, negotiate with landlords, access rental assistance, and represent them in court.

How to Get Help

Tenants who have received a termination notice or have been served with eviction papers should contact MLSA immediately due to the tight five-day deadline to file an Answer.

• MLSA Help Line: 1-800-666-6899
• Online Application: Available at https://www.montanalawhelp.org

Reducing Housing Costs: Utility and Energy Assistance

A household's ability to pay rent is directly tied to its other essential expenses. High energy costs can strain a budget to the breaking point. Several key programs are designed specifically to alleviate this burden, which in turn provides a powerful, indirect form of rent relief.

Low Income Home Energy Assistance Program (LIHEAP)

LIHEAP is a cornerstone federal program that provides financial assistance to help low-income households pay their heating bills.

What It Is

LIHEAP provides a direct payment, typically to the household's fuel vendor, to cover a portion of winter heating costs. The benefit amount is calculated based on income, household size, fuel type, and housing type. The program also helps with furnace emergencies for eligible households.

Who is Eligible

The program is open to both homeowners and renters. Eligibility is determined by household income and resource limits, which are updated annually. For the 2024-2025 program year, income limits are generally set at 60% of the state median income. Households that receive benefits from SNAP, SSI, or TANF may be automatically eligible.

Application Period

The primary application window for heating assistance runs from October 1 through April 30 each year.

How to Apply

Applications are managed locally by the regional HRDCs and Tribal LIHEAP offices. Applicants can often find the application form online through the Montana DPHHS website or their local HRDC's site. The completed application, along with required documentation, must be printed and mailed or delivered to the local office.

Necessary documents typically include:

• Proof of identity for all household members (e.g., photo ID, birth certificates).
• Social Security numbers for all household members.
• Proof of all gross income for the previous month for all household members.
• Recent bank statements to verify resources.
• Copies of recent home energy bills. 

Energy Share of Montana

Energy Share of Montana is a private, non-profit organization that serves as a crucial safety net for households facing energy emergencies, often when no other help is available.

What It Is

Energy Share provides one-time grants to help with energy emergencies, such as a utility shut-off notice, an empty propane tank, or a malfunctioning furnace. It is designed as a program of last resort.

Who is Eligible

A key feature of Energy Share is that its eligibility is not strictly tied to income caps in the same way as LIHEAP. It is a situation-based program that can assist households who may have income slightly too high for federal aid but are still facing a genuine crisis. The program is available year-round.

How to Apply

As with LIHEAP, applications for Energy Share are processed through the local HRDC offices. During the winter heating season (October-April), applicants are typically required to apply for LIHEAP at the same time they apply for Energy Share. 

Utility Company Programs

Many utility providers in Montana offer their own assistance programs, often in the form of a monthly discount for customers who have been approved for LIHEAP. Participating companies include North Western Energy, Flathead Electric Cooperative, and Missoula Electric Cooperative, among others. Residents should always contact their specific utility company directly to inquire about available discounts, budget billing plans, or other assistance options.

 Frequently Asked Questions

Facing the possibility of eviction or struggling to pay rent can be an incredibly stressful experience. For Missouri residents seeking a rent relief program, the current landscape of available aid can seem confusing, as major statewide initiatives have changed.

While large-scale emergency programs established in recent years are no longer active, a robust network of local, community-based, and federal resources remains available to provide crucial support. The key to securing assistance is knowing where to look and who to contact. This resource provides a clear, up-to-date roadmap to the active programs and organizations offering financial help to stabilize housing for individuals and families across Missouri.

Navigating Rental Assistance in Missouri: Where to Start

The approach to finding rental assistance in Missouri has shifted. During the COVID-19 pandemic, large, centralized state programs were the primary source of aid. With the depletion of those federal funds, the system has reverted to a more traditional, decentralized model.

This means that help is now primarily delivered through a network of local agencies, non-profits, and community organizations that have long served their specific regions. Understanding this shift is the first step toward successfully finding help.

Instead of searching for a single, statewide application portal, the most effective strategy is to connect with the on-the-ground organizations in your own county. These agencies are best equipped to provide direct financial assistance and guide you to other available resources.

The Status of Statewide Emergency Rental Programs

To avoid confusion and wasted effort, it is essential to understand the current status of the two main state-level programs that residents may find during their search. One is a large, pandemic-era program that is now closed to renters, while the other is a highly specialized program with very narrow eligibility requirements.

State Assistance for Housing Relief (SAFHR): Program Closure for Renters

The State Assistance for Housing Relief (SAFHR) program was the primary Missouri rent relief program during the COVID-19 pandemic, administered by the Missouri Housing Development Commission (MHDC). It was funded by federal stimulus packages, including the Consolidated Appropriations Act and the American Rescue Plan Act.

Over its two-year operation, the SAFHR program was a critical lifeline, distributing over $600 million in federal funds to assist more than 100,000 applicants and prevent evictions for over 75,000 households. The program provided direct payments to landlords and utility companies to cover past-due rent, forward rent for up to three months, and utility arrears.

It is crucial for renters to know that the SAFHR program for renters and landlords is no longer accepting applications. The program has officially closed due to the exhaustion of its federal funding. Any applications that had not been fully approved and paid before the closure will not be fulfilled. While older websites and informational flyers may still reference this program, it is no longer a viable option for new applicants seeking rental assistance.

A Note on SAFHR for Homeowners

A point of potential confusion is the existence of a separate but similarly named program: SAFHR for Homeowners. This program is funded by the U.S. Treasury's Homeowner Assistance Fund (HAF) and is designed to prevent mortgage foreclosure for homeowners who experienced financial hardship due to the pandemic. It provides assistance with mortgage payments, but renters are not eligible for this program.

Department of Mental Health (DMH) Rental Assistance Program (RAP)

The Missouri Department of Mental Health (DMH) operates a state-funded program called the Rental Assistance Program (RAP). While this program does provide financial assistance for housing, it is a highly specialized resource and is not a general rent relief program for the public. The eligibility requirements are very specific and strict, making it accessible only to a small, defined population.

Who is Eligible for the DMH RAP?

The primary eligibility requirement for RAP is that households must be actively receiving mental health services or substance use disorder services from a DMH-contracted provider agency. Individuals who are not clients of the Department of Mental Health or one of its contracted partners are not eligible to apply. 

Additional requirements include:

• The household must be in a situation that can be stabilized with one-time assistance.
• The household's combined income must be less than 50% of the Area Median Income (AMI).
• The household's rent and utility costs must be less than 50% of their monthly income, unless a permanent subsidy like a Section 8 voucher covers a portion of the expense.

How to Apply for the DMH RAP

Individuals cannot apply for RAP assistance directly. The application must be completed and submitted by a community support worker, case manager, or another employee of the service provider from which the individual is receiving care.

Funding and Types of Assistance

RAP funding is limited and is not designed for immediate emergency situations. The program accepts applications only during specific windows, typically the first five business days of a month when funds are available. Even after approval, it can take up to a month for payment to be sent to the landlord or utility company.

If an eligible household is approved, RAP can provide one-time assistance once per calendar year for:

• Up to three months of rent (including back rent or move-in costs).
• Rental application fees up to $100 for applicants with zero income.
• Utility deposits up to $500 and past-due utility bills up to $600.

The program cannot assist with mortgages, late fees, court costs, or hotel stays. Because of its narrow eligibility, the vast majority of Missourians seeking rent relief will need to look to other resources.

Your Most Direct Path to Help: Local and Community Resources

With the closure of large-scale state programs, the most effective way to secure rental assistance is by connecting with local organizations. These groups have deep roots in their communities and manage various funding streams to provide direct aid to residents.

United Way 211: The First Call for Assistance

For anyone facing a housing crisis in Missouri, the first and most important call to make is to United Way 211. This is a free, confidential, 24/7 information and referral service that connects people to essential health and human services across the entire state. It acts as a central navigation hub, connecting those in need with the local agencies that can provide direct help.

A trained 211 specialist can assess your specific situation and provide targeted referrals to local organizations that offer services like emergency rent and utility assistance, food pantries, housing shelters, and legal aid. This service is invaluable because it maintains a comprehensive, up-to-date database of resources.

There are multiple ways to connect with United Way 211:

• By Phone: Dial 2-1-1 from any phone. If that doesn't work, use the toll-free number: 1-800-427-4626. TTY service is also available at 1-866-385-6525.
• By Text: Text your ZIP code to 898211 to communicate with a specialist.
• Online: Many regional United Way chapters offer an online chat feature or a searchable resource directory on their websites.

Community Action Agencies (CAAs): On-the-Ground Support in Your County

Missouri is served by a network of 19 Community Action Agencies (CAAs). These are non-profit organizations dedicated to fighting poverty at the local level. CAAs are a primary source of direct financial assistance for low-income households, often running programs that help pay for rent, energy bills, and home repairs.

Because each CAA serves a specific geographic area, it is essential to contact the agency that covers your county. These agencies often provide housing counseling and case management services in addition to financial aid, helping families achieve long-term stability.

Federal Housing Support and Professional Guidance

Beyond immediate financial aid, it is beneficial to understand the role of federal programs and the professional advisory services they support. These resources are typically focused on long-term housing stability and can provide expert guidance to overcome financial challenges.

Accessing U.S. Department of Housing and Urban Development (HUD) Resources

The U.S. Department of Housing and Urban Development (HUD) is the federal agency responsible for national housing policy. It is a common misconception that HUD provides emergency rent payments directly to individuals. In reality, HUD is not a direct service provider for this type of assistance. Instead, HUD funds programs that are administered at the local level by Public Housing Authorities (PHAs).

PHAs are city or county-level agencies that manage federal housing programs, such as:

• Public Housing: These are affordable rental properties owned and operated by the PHA for low-income families, seniors, and people with disabilities.
• Housing Choice Voucher Program (Section 8): This program provides a rent subsidy (voucher) that allows low-income households to rent housing in the private market.

While these programs are a cornerstone of long-term affordable housing, they are not a source of immediate emergency relief. Most PHAs have long waiting lists for both public housing and Section 8 vouchers. However, it can still be beneficial to contact your local PHA to inquire about program availability.

Why You Should Contact a HUD-Approved Housing Counselor

One of the most valuable and underutilized resources available to renters is a HUD-approved housing counselor. These are trained professionals who work for non-profit agencies and provide expert advice on a wide range of housing and financial topics, often for free or at a very low cost.

A housing counselor can help address the root causes of housing instability. Their services include:

• Rental Housing Counseling: Assisting with landlord-tenant disputes, understanding lease agreements, and finding affordable rental options.
• Financial Management and Budget Counseling: Helping create a household budget, manage debt, and improve credit.
• Homelessness Assistance: Providing referrals and guidance for those at immediate risk of or currently experiencing homelessness.

Engaging with a housing counselor is a proactive step that can provide a personalized plan for achieving and maintaining housing stability.

To find a HUD-approved housing counseling agency:

• Call HUD's interactive hotline: (800) 569-4287.
• Use the online search tool: The Consumer Financial Protection Bureau (CFPB) and HUD both host an official search tool to find approved counselors by ZIP code.

Additional Avenues for Financial and Eviction Support

A housing crisis often involves more than just unpaid rent. Utility bills, legal notices, and other basic needs can quickly become overwhelming. A comprehensive approach involves seeking help from multiple sources.

• Targeted Utility Assistance (LIHEAP): The Low Income Home Energy Assistance Program (LIHEAP) is a federally funded program that helps low-income households with their home energy bills. Applications are typically handled by local Community Action Agencies.
• Eviction Prevention and Legal Aid: If an eviction has been filed, it is highly advisable to seek legal counsel. Missouri Legal Services is a network of non-profits that provide free legal assistance to low-income Missourians in civil matters, including landlord-tenant issues.
• Non-Profit and Faith-Based Organizations: Local chapters of national organizations like The Salvation Army and Catholic Charities often have their own discretionary funds to provide emergency assistance for rent, utilities, and other basic needs.

Conclusion: Taking the Next Step Toward Housing Stability

While the landscape for rental assistance in Missouri has evolved, help remains available. The focus has shifted from a single, centralized program to a network of dedicated local organizations. Navigating this system requires a proactive approach, but by taking the right steps, residents can connect with the resources needed to maintain their housing.

For anyone in need of immediate assistance, the path forward is clear. The following actions are the most critical first steps:

1. Call 211 Immediately: This is the most important action to take. A trained specialist will provide confidential guidance and direct referrals to the specific local agencies best equipped to help.
2. Contact Your Local Community Action Agency: Use the directory in this guide to identify and contact the CAA that serves your county. These agencies are a primary source of direct financial assistance.
3. Seek Expert Financial Guidance: For personalized, long-term planning, contact a free or low-cost HUD-approved housing counselor. They can help create a budget and develop a plan to prevent future crises.

Facing financial hardship is a difficult journey, but it is not one that must be taken alone. The organizations and programs outlined here are staffed by professionals dedicated to helping Missourians. By reaching out, individuals and families can access the support system that exists to help them stay in their homes.

 Frequently Asked Questions