The Texas Supplemental Nutrition Assistance Program (SNAP) provides essential food benefits to help individuals and families with low incomes purchase the groceries they need for good health. This resource offers a clear, detailed breakdown of the entire process, from determining if a household is eligible for SNAP food benefits to applying for and using the Lone Star Card. It covers income limits, work rules, benefit calculations, and the step-by-step application process, ensuring Texans have the information to access this vital support.

What the Texas SNAP Program Offers

The Supplemental Nutrition Assistance Program is a cornerstone of nutritional support for millions of Texans, providing a reliable way to afford healthy food. Administered by the Texas Health and Human Services Commission (HHSC), the program is designed to work in conjunction with a household's existing budget to ensure food security.

The Core Mission: Supplementing Your Food Budget

SNAP is a federal program designed to supplement a household's food budget, not to replace it entirely. Its primary goal is to put healthy food within reach for those in need, helping to bridge the gap between a family's financial resources and the cost of adequate nutrition.

By providing monthly benefits specifically for groceries, the program frees up a household's limited cash to be used for other critical expenses, such as rent, utilities, transportation, or medical bills. This function makes SNAP a crucial tool for overall financial stability, helping families avoid making difficult choices between buying food and paying for other essential needs. The program empowers low-income households to make healthier food choices and maintain their well-being, contributing to better health outcomes and reduced financial stress.

The Lone Star Card: Your Key to Accessing Benefits

In Texas, SNAP benefits are delivered through an Electronic Benefit Transfer (EBT) system using the Lone Star Card. This system ensures a secure and discreet way for recipients to access their monthly food assistance. The Lone Star Card is a plastic card that functions just like a standard debit card.

Each month, on a predetermined schedule, the household's approved benefit amount is electronically loaded into their EBT account. When making eligible purchases at an authorized store, the cardholder simply swipes the Lone Star Card at the point-of-sale terminal and enters their private four-digit Personal Identification Number (PIN) to authorize the transaction. The purchase amount is then automatically deducted from the household's SNAP balance.

This process is identical to using a personal debit card, making it familiar and easy to use. Upon approval for the program, the Lone Star Card is either mailed directly to the recipient's address or provided at a local HHSC benefits office.

Eligible Purchases: What Your SNAP Benefits Can Buy

SNAP benefits are intended for the purchase of food items that a household can prepare and eat at home. The United States Department of Agriculture (USDA) sets the guidelines for what can be bought with these benefits, focusing on staple foods that form the basis of a healthy diet.

Eligible items are generally grouped into the following categories:

• Fruits and Vegetables: This includes all forms of produce, whether fresh, frozen, canned, or dried.
• Meats, Poultry, and Fish: Fresh, frozen, and canned options are all eligible for purchase.
• Dairy Products: Items such as milk, cheese, and yogurt are covered by SNAP benefits.
• Breads and Cereals: This category includes items like bread, pasta, rice, and breakfast cereals.
• Other Foods: A wide range of other items, such as snack foods and non-alcoholic beverages, are also eligible.
• Seeds and Plants: In a measure designed to promote self-sufficiency and access to fresh produce, SNAP benefits can be used to purchase seeds and plants that produce food for the household to eat.

Ineligible Items and Program Restrictions

To ensure that benefits are used for their intended nutritional purpose, the USDA has established clear restrictions on what cannot be purchased with SNAP. It is crucial for recipients to understand these rules to avoid issues at checkout and to maintain compliance with program regulations.

SNAP benefits cannot be used to purchase:

• Alcoholic Beverages and Tobacco Products: This includes beer, wine, liquor, and cigarettes.
• Vitamins, Medicines, and Supplements: If an item has a "Supplement Facts" label, it is considered a supplement and is not eligible for purchase with SNAP.
• Live Animals: This restriction applies to most live animals, with specific exceptions for fish removed from water and shellfish.
• Hot Foods and Prepared Meals: Foods that are hot at the point of sale or are intended for immediate consumption in the store are not eligible. An exception may be granted during disasters, such as floods, when the state receives federal approval to allow the purchase of hot foods for a limited time in affected counties.
• Non-Food Items: A wide range of household goods are ineligible, including pet foods, cleaning supplies, paper products, household supplies, and personal hygiene items like soap and cosmetics.
• Outstanding Debts: SNAP benefits cannot be used to pay for food bills owed or to pay off store credit.

Determining Your Eligibility for Texas SNAP

Eligibility for the Texas SNAP program is determined by a set of requirements established at both the federal and state levels. These rules are designed to ensure that assistance is directed to households with the greatest need. The criteria include residency, citizenship status, income, assets, household composition, and work-related activities.

Foundational Eligibility: Citizenship and Residency

To apply for SNAP in Texas, an applicant and their household must reside in the state. The program is generally available to United States citizens and certain lawfully-present non-citizens who meet specific federal criteria. The rules for non-citizens can be complex, often depending on immigration status and length of residency in the U.S. For example, some non-citizens may need to have lived in the country for at least five years or be receiving disability-related assistance to qualify. It is important to note that even if some household members are not eligible due to their immigration status, they can still apply on behalf of eligible members, such as children who are U.S. citizens.

Income Limits: The Primary Eligibility Test

For most households, income is the primary factor in determining SNAP eligibility. There are two main income tests: a gross monthly income limit and a net monthly income limit. Gross monthly income is a household's total income before any deductions are applied, while net monthly income is the income remaining after specific, allowable deductions are subtracted.

Most households must have income at or below both of these limits to qualify. However, households that include a member who is elderly (defined as age 60 or older) or has a disability are subject only to the net income test.

Texas has adopted a federal option known as Broad-Based Categorical Eligibility (BBCE), which allows the state to set more inclusive income and asset limits. As a result of this policy, the gross monthly income limit in Texas is set at 165% of the Federal Poverty Level (FPL), which is higher than the standard 130% limit in states without BBCE. This expansion allows more working families to qualify for the food assistance they need while they work toward greater financial stability.

Note: Income limits are subject to change. The figures presented are based on data from state and partner organizations.

Allowable Deductions: Calculating Your Net Income

The calculation of net income is a critical step that can help a household qualify for SNAP. HHSC applies several allowable deductions to a household's gross income to determine its net income for eligibility purposes. These deductions recognize that households have essential expenses that reduce the amount of money actually available to purchase food.

Key allowable deductions include:

• Earned Income Deduction: A 20% deduction from income earned through work.
• Standard Deduction: A fixed deduction applied to all households, with the amount varying by household size.
• Dependent Care Deduction: The cost of child care or other dependent care that is necessary for a household member to work, look for a job, or attend school or training.
• Medical Expense Deduction: For household members who are elderly (age 60+) or have a disability, out-of-pocket medical expenses exceeding $35 per month can be deducted.
• Child Support Deduction: Legally obligated child support payments made by a household member to someone outside the household are deductible.
• Excess Shelter Deduction: If a household's total shelter costs exceed 50% of its income after all other deductions have been applied, the excess amount can be deducted. This deduction is capped unless the household includes an elderly or disabled member.

Asset and Resource Limits in Texas

In addition to income, households must also meet an asset limit. Assets, or resources, are things a household owns that could be used to buy food, such as cash or money in a bank account. For most households in Texas, the countable asset limit is $5,000.

It is equally important to understand what is not counted toward this limit. Certain resources are exempt, meaning they do not affect a household's eligibility. Non-countable assets include:

• The home in which the household lives and its surrounding lot.
• Most retirement accounts, pension plans, and educational savings accounts.
• The resources of any household member who receives Supplemental Security Income (SSI) or Temporary Assistance for Needy Families (TANF).
• Vehicles are subject to specific rules, but generally, one vehicle per adult household member is excluded from the asset test. Vehicles used for income-producing purposes or to transport a disabled household member may also be exempt.

Defining Your SNAP Household

The composition of a SNAP household is a critical factor in determining eligibility and benefit amounts. The general rule defines a household as a group of people who live together and customarily purchase food and prepare meals together for home consumption.

However, federal regulations and state policies include specific, non-negotiable rules. Certain individuals living together must be treated as a single household, even if they buy and prepare their food separately. According to the official Texas Works Handbook, these mandatory groupings include:

• Spouses who live together.
• Parents and their children (natural, adopted, or stepchildren) who are under the age of 22 and live together.
• A child under the age of 18 who lives with and is under the parental control of an adult household member who is not their parent.

Work Rules and Time Limits

To receive SNAP benefits, most able-bodied individuals are required to comply with work rules. Generally, individuals between the ages of 16 and 59 must register for work, not voluntarily quit a job or reduce their hours without a good reason, and accept a suitable offer of employment.

A particularly strict rule applies to Able-Bodied Adults Without Dependents (ABAWDs). An ABAWD is an individual between 18 and 54 who does not have a disability and does not have children in their home. These individuals are limited to receiving SNAP benefits for only three months within a three-year period unless they meet specific work requirements, such as working at least 20 hours per week.

However, there are numerous exemptions from these work requirements. An individual may be exempt if they are:

• Physically or mentally unfit for employment.
• Pregnant.
• Responsible for the care of a child under the age of 6 or an incapacitated person.
• Already working an average of 30 hours per week.
• Participating in a substance abuse treatment program.
• A student enrolled at least half-time in a recognized school or training program.

The Application Process: A Step-by-Step Walkthrough

Applying for SNAP in Texas is a structured process designed to verify a household's eligibility. Preparing in advance and understanding the steps involved can make the experience much smoother.

Preparing Your Application: A Document Checklist

Before beginning the application, it is highly recommended to gather all the necessary documents and information for every person in the household. A comprehensive checklist of items to have ready includes:

• Proof of Identity: A valid driver's license, state-issued ID card, or another form of photo identification.
• Social Security Numbers: The Social Security number for each person applying for benefits is required.
• Proof of Texas Residency: A document showing the household's address, such as a recent utility bill or lease agreement.
• Verification of Income: Proof of all sources of income for the household, such as recent pay stubs or award letters for other benefits.
• Immigration Documents: For any non-citizens who are applying, documents verifying their legal immigration status are needed.
• Records of Expenses: Documentation of key household expenses is crucial for calculating allowable deductions. This includes records of housing costs, utility bills, child care costs, and medical bills.

How to Submit Your Application

Texas provides several methods for submitting a SNAP application to accommodate different needs and levels of access to technology.

• Online (Recommended Method): The fastest and most convenient way to apply is through the official state benefits portal, YourTexasBenefits.com. An online account allows you to check your application status, upload documents, report changes, and manage your benefits.
• Paper Application: Form H1010 can be obtained by visiting a local HHSC benefits office or by calling 2-1-1 to have an application mailed to your home.
• Application Assistance: Texas has a network of community partners, such as local food banks, that are trained to provide free, one-on-one assistance with completing and submitting SNAP applications.

The Eligibility Interview

After an application is submitted, the next critical step is the eligibility interview. HHSC is required to process most applications within 30 days. During this period, a caseworker will contact the applicant to conduct an interview.

This mandatory interview serves to review the information on the application, clarify any questions, and explain the program's rules. The interview is typically conducted over the phone. It is important to know that when HHSC calls, the caller ID will display the number (737) 867-7700.

After You Apply: Timelines and Status Checks

The standard processing time for a SNAP application is 30 days. Throughout this period, applicants can monitor the progress of their case by logging into their account on YourTexasBenefits.com.

In situations of extreme need, households may qualify for expedited benefits, receiving their SNAP benefits within seven days of their application date. Once a decision is made, the applicant will be notified by mail. If approved, the letter will confirm their eligibility, state the monthly benefit amount, and specify the certification period.

Understanding Your SNAP Benefit Amount and Schedule

Once a household is approved for SNAP, two key questions arise: how much assistance will be provided, and when will it be received? The benefit amount is based on a standardized federal formula, while the distribution date in Texas follows a detailed, staggered schedule.

How Your Monthly Benefit Amount is Calculated

The specific monthly benefit amount a household receives is based on its size and its net monthly income. The calculation follows a formula that assumes families will spend approximately 30% of their net income on food. The SNAP benefit is intended to cover the difference between that amount and the cost of a nutritious diet as determined by the USDA.

The general formula is: Maximum Monthly Benefit - (Household's Net Monthly Income x 0.30) = Monthly SNAP Allotment. Households with no net income receive the maximum benefit amount for their size. As a household's net income increases, its SNAP benefit amount decreases.

Maximum Monthly Benefit Allotments

The maximum benefit amount, or allotment, is the highest amount of SNAP a household can receive. This amount is set by the USDA and is updated annually. The following table shows the maximum monthly SNAP benefits by household size.

Note: Benefit amounts are subject to change annually. The figures presented are based on data from the Texas Health and Human Services Commission.

The Texas Benefit Issuance Schedule: When You Get Paid

For new applicants and most current recipients, benefits are issued according to a detailed 28-day staggered schedule. The specific day a household receives its benefits is determined by the last two digits of its Eligibility Determination Group (EDG) number, which is assigned by HHSC.

The official schedule, as outlined in the Texas Works Handbook, ensures that deposits are spread out from the 1st to the 28th of every month. This system helps to manage the flow of transactions for both recipients and retailers.

Using and Managing Your Lone Star Card

Properly managing the Lone Star Card is essential for accessing benefits smoothly and securely. Texas provides several tools to help recipients activate their card, make purchases, and monitor their account.

Activating and Securing Your Card

Before a new Lone Star Card can be used, it must be activated. Upon receiving the card, the recipient must call the toll-free Lone Star Help Desk at 800-777-7328 to activate it and select a four-digit Personal Identification Number (PIN).

The PIN is the key to accessing the account and must be kept confidential. For security, the PIN should never be written on the card itself or stored with it. The back of the card should also be signed immediately upon receipt.

Shopping Online with Your SNAP Benefits

Texas SNAP recipients can use their Lone Star Card to purchase eligible groceries online from a list of approved retailers. This service allows for either curbside pickup or home delivery.

When shopping online, the user will select EBT as the payment method and enter their Lone Star Card number and PIN. However, SNAP benefits can only be used to pay for the food itself. Any additional charges, such as delivery fees or tips, must be paid with a separate form of payment.

Using SNAP at Farmers' Markets

The Lone Star Card is widely accepted at participating farmers' markets across Texas. To use SNAP benefits, the shopper typically goes to a central information booth at the market. There, they swipe their Lone Star Card for a certain amount and receive tokens or "market dollars" in exchange. These tokens can then be used like cash to purchase eligible food items from the various vendors.

Managing Your Account with Your Texas Benefits

The state provides two primary, secure tools for managing a SNAP case: the YourTexasBenefits.com website and the corresponding Your Texas Benefits mobile app. HHSC warns against using third-party websites or apps to check balances due to security risks.

Through the official website and mobile app, recipients can perform essential functions:

• Check Account Balance: View the current balance of SNAP benefits.
• View Transaction History: Review recent purchases and deposits.
• See Deposit Dates: Find out when the next monthly benefit deposit is scheduled.
• Manage PIN: Change the card's PIN at any time.
• Card Security: Immediately freeze the card if it is misplaced or request a replacement if it is lost or stolen.

Special Programs and Maintaining Your Benefits

In addition to the standard SNAP program, Texas offers specialized projects to assist specific populations. Furthermore, all recipients have ongoing responsibilities to maintain their eligibility.

The Texas Simplified Application Project (TSAP)

The Texas Simplified Application Project (TSAP) is designed to make it easier for households composed entirely of seniors or individuals with disabilities to receive food assistance. To be eligible, every member of the household must be either age 60 or older or be receiving disability benefits, and the household must not have any earned income.

TSAP offers several significant advantages:

• A Shorter Application: The application form is simplified.
• A Three-Year Certification Period: Recipients are certified for three years at a time, reducing the frequency of paperwork. 
• No Renewal Interview: Eligible TSAP recipients are not required to complete an interview when it is time to renew their benefits.

Double Up Food Bucks Program

The Double Up Food Bucks program is an incentive that helps SNAP recipients stretch their food dollars while supporting local agriculture. This program allows SNAP users to double the value of their benefits when purchasing fresh, Texas-grown fruits and vegetables at participating locations.

For every dollar a recipient spends on eligible produce using their Lone Star Card, they receive a matching dollar in Double Up Food Bucks, up to a certain daily limit (often $30). These matching funds can then be used to purchase more fresh fruits and vegetables.

The Renewal Process (Recertification)

SNAP benefits are awarded for a specific "certification period," which is typically six months or one year for most households. To continue receiving assistance, recipients must complete a renewal process, also known as recertification, before their current period ends.

HHSC will mail a renewal packet before the deadline. To ensure there is no gap in benefits, the completed renewal form should be submitted by the 15th day of the last month of the certification period. The renewal process can be completed online through the YourTexasBenefits.com portal, which is the most efficient method.

Your Responsibility: Reporting Household Changes

SNAP recipients have an ongoing responsibility to report significant changes in their household's circumstances to HHSC within 10 days. This ensures that the household continues to receive the correct benefit amount.

Changes that must be reported include:

• Changes in address or phone number.
• Changes in household composition (someone moving in or out).
• Changes in income, such as starting or losing a job.
• Changes in housing costs.

Reporting these changes can be done easily through the YourTexasBenefits.com website, by calling 2-1-1, or by contacting a local HHSC office.

Additional Resources and Benefits for Texas Families

Participation in the Texas SNAP program can open the door to a variety of other assistance programs and valuable discounts.

Other Nutrition and Assistance Programs

Households that qualify for SNAP may also be eligible for other support programs. Notable programs include:

• WIC (Special Supplemental Nutrition Program for Women, Infants, and Children): Provides healthy foods and nutrition education to pregnant women and young children.
• National School Lunch and Breakfast Programs: Children in SNAP households are automatically eligible for free meals at school.
• LIHEAP (Low Income Home Energy Assistance Program): Offers assistance to help families with their home energy bills.

Discounts with Your Lone Star Card

The Lone Star Card can also serve as a passport to cultural and educational experiences. Through the Museums for All initiative, SNAP recipients can gain free or significantly reduced admission to more than 1,400 participating museums, zoos, and science centers.

Additionally, SNAP recipients may qualify for other discounts, such as:

• Prime Access: A discounted Amazon Prime membership.
• Discounted Internet and Phone Service: Federal programs offer monthly discounts on broadband service for eligible low-income households.
• Reduced Public Transit Fares: Some cities offer discounted bus or rail passes for individuals enrolled in assistance programs.

 Frequently Asked Questions

When facing the possibility of losing your home, finding clear, reliable information is the first and most critical step. Financial hardship can happen unexpectedly, leaving many North Dakota residents searching for rent relief and housing assistance.

While major pandemic-era programs have concluded, a network of state, federal, and local support systems remains in place to help individuals and families maintain housing stability. These resources range from immediate emergency financial aid to long-term rental subsidies and legal support for tenants facing eviction. The key is knowing where to look and who to call first.

This directory provides a structured overview of the available North Dakota rent relief options, helping you identify the right program for your specific situation.

At a Glance: Find the Right Help for Your Situation

Immediate Help for Housing Crises in North Dakota

In a housing crisis, every moment counts. The following resources are designed to be the first points of contact for North Dakotans needing immediate assistance with shelter, rent, or other urgent needs.

1.1 Your First Call: Connecting with ND 2-1-1

For anyone in North Dakota facing a housing emergency, the most effective first step is to contact ND 2-1-1. This is not just a helpline; it is a vital, statewide information and referral service staffed by trained specialists who can provide personalized guidance.

With the conclusion of the primary statewide ND Rent Help program, the system of support has become more fragmented, with assistance delivered by numerous local and regional organizations. This can make it difficult for a person in crisis to know which agency serves their area or has available funding.

ND 2-1-1 solves this navigation problem by acting as a central hub. A specialist will assess your unique situation and connect you directly to the most appropriate local resources for emergency shelter, food assistance, and potential financial aid for rent.

• How to Connect:
• Simply dial 2-1-1 from any phone.
• If you cannot use 2-1-1, call 701-235-7335 (SEEK).
• Visit the ND 2-1-1 website for an online directory of services.

1.2 Emergency Financial Assistance Through Community Action Agencies

North Dakota's network of Community Action Agencies (CAAs) are the primary local providers of direct emergency financial aid for housing. These non-profit organizations operate in specific regions across the state, offering services that can include past-due rent payments, assistance with a security deposit for a new residence, or help with utility bills.

It is crucial to understand that this assistance is entirely dependent on the availability of funds. Because funding levels can fluctuate, help is not guaranteed. A household's ability to receive aid may depend on the timing of their request and the agency's current budget.

This reality underscores the importance of contacting your local CAA as soon as you anticipate a problem and being persistent in exploring all available avenues for support. You can find the contact information for the agency that serves your county in the directory in Section 5.1 of this document.

1.3 Specialized Support for Domestic Violence Survivors

Housing instability is a significant barrier for individuals seeking to leave abusive situations. Recognizing this, North Dakota provides specialized resources that connect safety with housing stability. These programs should be considered essential tools for escape and recovery.

• National Domestic Violence Hotline: For immediate, confidential support and safety planning, call 1-800-799-7233 (or 1-800-787-3224 for TTY).
• CAWS North Dakota: This statewide coalition provides a list of local advocacy centers that offer direct services and support to survivors.
• Housing Priority: Some housing programs in the state recognize the urgency of these situations. The Fargo Housing Authority, for example, gives a preference on its Housing Choice Voucher waiting list to victims of domestic violence who are referred by the Rape and Abuse Crisis Center. This policy acknowledges that securing safe, independent housing is a critical component of breaking the cycle of violence.

State and Federal Rental Assistance Programs

Beyond immediate crisis intervention, several structured, long-term programs are available to help low-income North Dakotans afford stable housing. These programs are typically federally funded and administered by state or local agencies.

2.1 Understanding the Housing Choice Voucher Program (Section 8)

The Housing Choice Voucher (HCV) program, commonly known as Section 8, is the federal government's primary initiative for assisting very low-income families, the elderly, and persons with disabilities to afford decent, safe, and sanitary housing in the private market. The program is administered locally by Public Housing Authorities (PHAs).

2.1.1 How the Program Works and General Eligibility

Instead of being tied to a specific apartment building, an HCV is a tenant-based subsidy that a household can use to rent a qualifying unit of their choice from a private landlord.

The Process

1. An eligible family applies to their local PHA.
2. If eligible, the family is placed on a waiting list.
3. When a voucher becomes available, the family is issued the voucher and must find a rental unit (such as a house, apartment, or townhouse) where the landlord agrees to participate in the program.
4. The rental unit must pass a health and safety inspection conducted by the PHA.
5. The household typically pays 30% of their adjusted monthly income toward rent and utilities, and the PHA pays the remaining portion directly to the landlord.

General Eligibility

• Eligibility is determined by the local PHA based on total annual gross income and family size.
• By law, 75% of vouchers must go to applicants whose incomes do not exceed 30% of the Area Median Income.
• Applicants must also be U.S. citizens or have eligible immigration status.

2.1.2 The Application Process and Waiting List Status by Region

Demand for Housing Choice Vouchers far exceeds the available supply, leading to long waiting lists that are often closed to new applicants. Access to this critical long-term subsidy is not uniform across North Dakota; a household's ability to apply depends entirely on the status of the waiting list in their specific county or region. This geographic disparity reflects differing local housing market pressures and funding levels.

• Fargo (Cass County Housing Authority): The Housing Choice Voucher waiting list for the Fargo Housing Authority is currently closed. When the list does open, preferences are given to victims of domestic violence, current residents of Cass or Clay County, and individuals with disabilities transitioning from institutional settings or experiencing homelessness.
• Minot (Minot Housing Authority): The Minot Housing Authority administers vouchers for Ward, Mountrail, McHenry, and Pierce counties. Applications are available on their website, indicating that waiting lists are open or open periodically. Applicants are placed on the list according to the date and time of their application and are contacted for an eligibility interview when a voucher becomes available.
• Grand Forks (Grand Forks Housing Authority): The Grand Forks Housing Authority is currently accepting applications online for the Housing Choice Voucher program. The agency notes that its waiting lists are "short" and that selections for some programs may happen within a few days of applying, which is a significant opportunity for those in the area.
• Burleigh County (Bismarck): The official website for the Burleigh County Housing Authority is currently inaccessible, and public information on the status of its Section 8 waiting list is not readily available. Residents of Burleigh County should contact the authority directly to inquire about the waiting list status and application process. The main office can be reached at 701-255-2540.

2.2 The HOME-ARP Supportive Services Program: A New Avenue for Aid

Launched in January 2025, the HOME-ARP Supportive Services Program is a new statewide initiative designed to assist individuals and households who are homeless, at risk of homelessness, or fleeing domestic violence. Funded by the American Rescue Plan and administered by the Community Action Partnership of North Dakota (CAPND), this program represents a strategic shift in housing assistance.

Rather than focusing solely on financial payments, the HOME-ARP program provides a holistic set of services aimed at achieving long-term housing stability. This approach addresses the root causes of housing crises, not just the immediate financial shortfall.

Services offered through the program include:

• Rental Assistance: Financial support to help secure or maintain permanent housing.
• Financial Assistance: Flexible aid for other immediate housing-related needs.
• Housing Search and Placement: Guidance in finding suitable and affordable housing.
• Housing Stability Case Management: Personalized support to help households navigate challenges and build a stable future.
• Mediation Services: Help in resolving disputes with landlords.
• Credit Repair Assistance: Support with budgeting and improving financial standing to remove future housing barriers.

To learn more about eligibility and to apply for the HOME-ARP program, residents should contact their regional Community Action Agency.

2.3 The "Opening Doors" Program for Renters with Housing Barriers

Many rental assistance programs address the issue of affordability, but they don't always solve the problem of accessibility. A history of poor credit, prior evictions, or a criminal record can prevent a household from being approved for a lease, even if they have a voucher or the funds to pay rent.

The North Dakota Housing Finance Agency's (NDHFA) "Opening Doors" program is designed specifically to address these systemic barriers. The program works by:

• Connecting with Service Providers: Individuals seeking assistance must be referred into the program by an approved Participating Care Coordination Agency. This ensures the tenant has ongoing case management and support.
• Incentivizing Landlords: The program encourages landlords to rent to tenants they might otherwise disqualify by providing coverage for excessive damages or lost revenue, reducing the financial risk for the property owner.

This program creates a crucial pathway back into the housing market for individuals who have been locked out due to past financial or legal difficulties, acknowledging that true housing stability requires more than just a rent subsidy.

2.4 Assistance for Specific Populations

Several programs are tailored to meet the unique housing needs of veterans, seniors, and people with disabilities.

• Veterans:
• VA Supportive Housing (VASH): This federal program combines a Housing Choice Voucher with comprehensive case management and clinical services provided by the Department of Veterans Affairs. It is a critical tool for helping homeless veterans and their families achieve stable housing. To apply, veterans should contact their local VA medical center.
• Supportive Services for Veteran Families (SSVF): This program provides a range of supportive services to very low-income veteran families who are homeless or at imminent risk of homelessness. Services can include case management, healthcare navigation, and temporary financial assistance.  
• Seniors and Persons with Disabilities:
• Aging and Disability Resource-LINK (ADRL): This is a free, confidential service that connects seniors and individuals with disabilities to a wide range of community supports, including housing resources. They can be reached toll-free at 1-855-462-5465.
• Mainstream Vouchers: This is a specific type of Housing Choice Voucher designated for households that include a non-elderly person (age 18-61) with a disability. These vouchers help individuals with disabilities live independently in the community. The Grand Forks Housing Authority notes a significantly shorter wait for Mainstream Vouchers.

Navigating Eviction: Your Rights and Resources

Receiving an eviction notice can be a frightening experience. However, it is important to know that eviction is a legal process with specific steps and rules that a landlord must follow. A tenant cannot be removed from their home without a court order from a North Dakota state district court. Understanding your rights and the legal process can provide you with the time and opportunity to seek assistance or contest the eviction.

3.1 The North Dakota Eviction Process: A Step-by-Step Overview

The legal process creates a formal framework that protects both tenants and landlords. In eviction court, landlords, particularly if they are a legal entity like an LLC, are often required to have a lawyer, while tenants are not. This can create an imbalance of legal expertise. Knowing the process is the first step in bridging that gap.

3.1.1 The 3-Day Notice of Intention to Evict

For many types of evictions, including for non-payment of rent, the landlord’s first legal step is to serve the tenant with a written "3-Day Notice of Intention to Evict".

• What it is: This is a legal warning, not a court order. It informs the tenant of the reason for the potential eviction (e.g., "$500 in unpaid rent") and gives them three days to either fix the problem (e.g., pay the rent) or move out.
• What it is not: It does not mean the tenant must leave in three days. It is the start of the legal process. If the tenant does not comply with the notice, the landlord can then proceed to the next step.  

3.1.2 The Summons, Complaint, and Court Hearing

If the tenant does not move out or resolve the issue within the three-day notice period, the landlord can file an eviction lawsuit with the district court.

• Summons and Complaint: The tenant will be served with two legal documents: a Summons, which states the date and time of the court hearing, and a Complaint, which explains the landlord's reasons for the eviction. The court hearing will be scheduled quickly, typically between three and fifteen days from when the summons is issued.
• The Hearing: This is the tenant's opportunity to appear before a judge and present their side of the story. The tenant can provide evidence (like rent receipts or photos of the property) and explain any defenses they may have.
• Possible Outcomes: If the judge rules in the landlord's favor, an eviction order will be issued. However, if the eviction is not due to a disturbance of the peace, the tenant can request a hardship stay, and the judge may grant up to five additional days to move out. Only a law enforcement officer, such as a sheriff, can legally enforce the eviction order and remove a tenant and their belongings.

3.2 Accessing Legal Aid and Tenant Resources

Given the speed and complexity of the eviction process, seeking legal advice is highly recommended. Several organizations provide free or low-cost resources to help tenants understand and protect their rights. Accessing these resources is a direct intervention that can help level the playing field in court.

• Legal Services of North Dakota: This is the primary provider of free civil legal assistance to low-income and elderly North Dakotans. If you are facing eviction, contacting them should be a top priority. They can be reached at 1-800-634-5263.
• ND Courts Legal Self Help Center: The North Dakota Court System provides an online Self Help Center with detailed informational guides and forms for tenants who must represent themselves in an eviction case. This is an invaluable resource for understanding court procedures and preparing for a hearing.
• High Plains Fair Housing Center: This organization can assist with landlord-tenant mediation, which may help resolve the dispute before it goes to court. They also handle cases of housing discrimination. They can be reached at 701-792-2878.

Reducing Housing Costs: Utility and Energy Assistance

Housing affordability is not just about rent; utility costs are a major part of a household's budget. Several programs in North Dakota are designed specifically to help residents manage their home energy expenses.

4.1 The Low Income Home Energy Assistance Program (LIHEAP)

LIHEAP is a federally funded program that helps eligible low-income households with their home heating and cooling costs. The program is comprehensive and covers more than just a portion of a monthly bill. 

4.1.2 Services Covered: Heating, Cooling, and Weatherization

LIHEAP provides a range of services to improve both the affordability and efficiency of a home's energy use:

• Heating Assistance: Provides benefits to help pay for natural gas, electricity, propane, fuel oil, and other heating sources. This is the primary component of the program, operating from October 1 to May 31.
• Emergency Assistance: Helps households in a crisis, such as facing a utility shut-off or running out of fuel.
• Weatherization Services: Helps lower energy costs by providing improvements like insulation and weather stripping around doors and windows.
• Furnace and Cooling Help: LIHEAP can also assist with furnace cleaning, repair, or replacement, as well as help with the cost of purchasing or repairing an air conditioner.

4.1.3 Income Guidelines and How to Apply

To be eligible for LIHEAP, a household's income must be at or below 60% of the state median income. Applications are accepted year-round.

• How to Apply:
• Online: The fastest way to apply is through the North Dakota Health and Human Services Self-Service Portal.
• By Mail or In Person: You can print an application and return it to your local Human Service Zone office or request that an application be mailed to you.
• Required Documents: When applying, you will generally need to provide:
• A completed LIHEAP application.
• Proof of income for all household members.
• A copy of your heating bill.
• A copy of your lease if you are a renter.

4.2 Energy Share and Other Charitable Utility Programs

For households facing a crisis that falls outside of LIHEAP's scope or who have exhausted their benefits, other options may be available.

• Energy Share: This is a private, non-profit fuel fund that serves as a last resort for North Dakotans facing an energy emergency. It is funded by donations from individuals and utility companies and is administered by the local Community Action Agencies.
• Utility-Specific Programs: Several electric cooperatives across the state run "Operation Roundup" programs, where customer donations are used to help local individuals and organizations with critical needs. These include Capital Electric Cooperative, Dakota Valley Electric Cooperative, and Nodak Electric Cooperative, among others.

Directory of Local and Regional Support

Navigating the landscape of housing assistance requires knowing who to contact in your specific area. The following directories provide contact information for the key local and regional organizations that deliver services directly to North Dakota residents.

5.1 Community Action Agencies: Your Local Connection to Aid

Community Action Agencies are the frontline service providers for a range of anti-poverty programs, including emergency housing and utility assistance, case management, and the new HOME-ARP Supportive Services Program. Finding the correct agency for your county is a critical first step.

North Dakota Community Action Agencies by Region

5.2 Other Key Organizations

5.2.1 The Salvation Army

The Salvation Army operates in several North Dakota communities, offering a range of emergency services. Depending on location and funding, this can include assistance with rent and utilities, food pantries, and crisis intervention.

• Bismarck-Mandan: 601 S. Washington St., Bismarck, ND 58504 | Phone: 701-223-1889
• Fargo-Moorhead: 304 Roberts St., Fargo, ND 58102 | Phone: 701-232-5565

5.2.2 Local Public Housing Authorities (PHAs)

PHAs are the government agencies responsible for administering the Housing Choice Voucher (Section 8) program and other public housing options. To apply for a voucher or inquire about waiting list status, you must contact the PHA that serves your specific county or city. A complete list of Public Housing Authority contacts in North Dakota is maintained by the U.S. Department of Housing and Urban Development (HUD) and can be found on their website.

5.2.3 Note on Lutheran Social Services

Lutheran Social Services of North Dakota (LSSND), which for many years was a key provider of social services, announced its closure in 2021. It is no longer an active resource for housing assistance in the state. Residents seeking help should direct their inquiries to the other organizations listed in this directory, such as their regional Community Action Agency or ND 2-1-1.

 Frequently Asked Questions

For residents facing housing instability, finding a North Carolina rent relief program is a critical first step toward security. While the state's primary COVID-19 response program has concluded, financial assistance for tenants has not disappeared.

Help has transitioned to a network of county-level initiatives, statewide family support programs, and non-profit services. Navigating this new landscape is essential for accessing available funds to prevent eviction and maintain stable housing.

The Current Landscape of Rental Assistance in North Carolina

A significant point of confusion for many North Carolina residents is the status of the statewide Housing Opportunities and Prevention of Evictions (HOPE) Program. It is crucial to understand that the HOPE Program is no longer accepting new applications. The application portal officially closed on December 17, 2021, after distributing substantial federal relief funds to thousands of families across 88 counties.

A Shift from State to Local Control

The closure of this single, centralized program created an information gap, leaving many to believe that no assistance remains. However, this is not the case. Rental assistance in North Carolina has evolved from one large-scale program into a decentralized system.

The responsibility for distributing aid now primarily rests with individual counties, various state agencies, and established non-profit organizations. Understanding this shift is the key to finding currently active and available resources. The path forward involves identifying the specific local and statewide programs that have replaced the HOPE program as the primary sources of aid.

Active Emergency Rental Assistance by County: Your Local Lifeline

Following the federal model for distributing relief funds, many of North Carolina's more populous counties received direct allocations to establish and manage their own emergency rental assistance programs. This localization means that a statewide, one-size-fits-all application no longer exists. Instead, residents must apply through the agency administering funds in their specific county.

This approach results in significant variations in eligibility requirements, benefit amounts, and application procedures from one county to the next. A requirement in one county, such as a formal eviction notice, may not be necessary in another. Therefore, it is vital for individuals seeking help to focus on the specific guidelines for their area of residence.

Detailed County Program Breakdowns

The ability to receive aid often depends on meeting the unique criteria of a local program. Below are more detailed profiles of the assistance available in these counties.

Mecklenburg County (Charlotte)

In Mecklenburg County, emergency financial support is primarily administered by the Crisis Assistance Ministry. This organization provides crucial aid for both rent and utility payments to low-income residents facing a short-term financial crisis. The program prioritizes cases based on urgency, meaning households that have already received a utility disconnection notice or are facing a court-ordered eviction are addressed first.

• How to Apply: Applications are primarily in-person at 500-A Spratt St. in Charlotte, Monday through Friday, starting at 10:00 a.m. An online option may be available by emailing their Financial Assistance team.
• Required Documents: To apply, residents must provide a picture ID, Social Security documentation for every household member, proof of all household income for the last 30 days, a copy of the past-due rent notice or court summons, and a copy of the rental lease.

Wake County (Raleigh)

Wake County's approach is managed through its Housing Affordability & Community Revitalization department, which focuses on a coordinated system of care. Rather than a single direct payment program, the county operates homeless shelters and partners with non-profits to provide shelter and rapid rehousing services.

Placement into these programs is handled through a centralized, coordinated entry process. Residents in need are directed to the Raleigh/Wake Partnership to End and Prevent Homelessness or the Wake Network of Care, a comprehensive online resource directory, to find the appropriate service.

Durham County

Durham County offers a unique Eviction Diversion Program that integrates legal support with financial assistance. Administered by Legal Aid of North Carolina, the program's goal is to help tenants avoid eviction judgments altogether.

To be eligible, a household's income must be below 125% of the Federal Poverty Threshold. The tenant must have received a late rent notice or been served with a formal eviction court proceeding. Individuals facing eviction can apply by contacting Legal Aid of North Carolina directly at 984-212-4404.

Pitt County (Greenville)

The Pitt County Department of Social Services (DSS) offers an Emergency Rent Assistance Program with very specific eligibility criteria. A critical requirement is that an applicant must have already received formal eviction documents filed with the Pitt County Small Claims Court. A simple late notice from a landlord is not sufficient to qualify.

Additional requirements include having a child under 18 in the household, income below 200% of federal poverty guidelines, and landlord confirmation to halt the eviction upon payment. The program provides a maximum of $600 toward unpaid rent. Applications must be requested in person at the DSS Human Services Center at 203 Government Circle in Greenville.

Chatham County

Chatham County's Emergency Housing Rental Assistance Program (E-HAP) provides a one-time payment to stabilize households, available once every 12 months. A household's annual income must be at or below 40% of the Area Median Income (AMI), and the applicant must be at least 15 days behind on rent or have received an eviction notice. Applicants can apply online, pick up an application from the DSS office in Pittsboro, or submit an application by mail.

Orange County

The Emergency Housing Assistance (EHA) program in Orange County is for residents with income at or below 30% AMI who have experienced a recent, verifiable crisis. An applicant must have an active court summons for eviction or have experienced a "Life-Changing Event" (such as job loss or illness) within the last three months. Assistance is capped at $4,500, but limited funding means only about 12 households can be assisted per month. Applications can be submitted online, picked up in person, or initiated by calling the Housing Helpline at 919-245-2655.

Onslow County

Onslow County's Emergency Assistance Program, managed by the Department of Social Services, is aimed at families with children facing a sporadic emergency. To be eligible, a family must have a child under 18 in the home, have a verifiable emergency, and demonstrate sufficient ongoing income to maintain household expenses. For more information, residents should call 910-455-4145.

Statewide and Federal Housing Support Programs

For residents in counties without a dedicated emergency fund or for those who do not meet strict local criteria, several statewide and federal programs offer another layer of support. These programs are generally available across North Carolina, though their focus may be on specific populations or long-term stability.

NC Department of Health and Human Services (NC DHHS): Assistance for Families

The NC DHHS offers short-term financial aid through its Emergency Assistance for Families in Crisis program, which is part of the state's Work First initiative. This program is designed to help families with children pay for housing and utilities.

Eligibility for this assistance requires that:

• The family includes a child living with a relative.
• Total income is at or below 200% of the federal poverty level.
• The family can provide proof of identity and citizenship.

Applications must be submitted at the local county Department of Social Services (DSS) office.

Housing Choice Voucher Program (Section 8): Long-Term Rental Subsidies

The Housing Choice Voucher Program, or Section 8, is a major federal program funded by the U.S. Department of Housing and Urban Development (HUD). It helps very low-income families, the elderly, and persons with disabilities afford safe housing in the private market. Participants typically pay about 30% of their income toward rent, with the voucher covering the rest.

This program is administered locally by Public Housing Authorities (PHAs). It is a long-term stability program, not an emergency fund, and waiting lists are common. Residents can find their local PHA by calling 800-955-2232.

NC Housing Finance Agency (NCHFA): Specialized Support

The North Carolina Housing Finance Agency (NCHFA) provides several targeted rental assistance programs, primarily for residents with disabilities seeking to live independently.

Key programs include:

• Transitions to Community Living Voucher (TCLV): This voucher provides rent assistance to individuals with behavioral health disabilities transitioning out of restrictive settings.
• Key Rental Assistance: This project-based assistance is available only in specific properties and helps make apartments affordable for people with extremely low incomes who are disabled or experiencing homelessness.

It is critical to note that the NCHFA does not distribute Section 8 vouchers.

Essential Support, Counseling, and Legal Services

Financial assistance is only one component of overcoming a housing crisis. Securing housing stability often requires a combination of funding, expert advice, and legal advocacy. Fortunately, North Carolina has a robust network of organizations that provide these critical services, often at no cost.

NC 211: Your First Call for Localized Referrals

For anyone unsure where to begin, the first and most important step is to contact NC 211. Operated by the United Way of North Carolina, NC 211 is a free, confidential, and multilingual referral service available 24/7 in all 100 counties.

By dialing 2-1-1, callers connect with trained specialists who have access to a database of over 19,000 service programs. These specialists provide current information on local rent assistance, food banks, and other resources tailored to the caller's specific needs. Residents can also search the resource database online at nc211.org.

Legal Aid of North Carolina: Defending Your Right to Housing

When a landlord files for eviction, the situation becomes a legal matter. Legal Aid of North Carolina is a non-profit law firm that provides free legal assistance in civil cases to low-income residents across the state. Their services are invaluable for tenants facing eviction.

In North Carolina, the formal eviction process is a lawsuit called "summary ejectment." Many tenants are unaware they may have valid legal defenses, such as the landlord's failure to make essential repairs. Legal Aid attorneys can represent tenants in court, negotiate with landlords, and help protect their housing rights. To apply for help, residents should call the statewide Legal Aid NC Helpline at 866-219-5262.

HUD-Approved Housing Counseling: Your Partner in Financial Stability

To prevent future housing crises, it is essential to address underlying financial challenges. HUD-approved housing counseling agencies offer free or low-cost financial education and guidance from trained professionals.

These counselors provide expert advice on budgeting, understanding a lease, improving credit, and mediating with landlords to avoid eviction. This proactive support empowers tenants with the skills needed for long-term housing stability. Residents can find a local HUD-approved counseling agency by:

• Using the online search tool on the HUD or CFPB website.
• Calling HUD's interactive voice system at 800-569-4287.
• Contacting known North Carolina agencies like Community Link in Charlotte or Triangle Family Services in Raleigh.

Your First Step to Securing Housing Stability

While the statewide HOPE program has ended, a strong and varied network of support remains available to North Carolina renters. Help is now accessed through a combination of county-specific emergency programs, ongoing statewide initiatives, and vital non-profit services.

Facing the threat of eviction can be overwhelming, but taking immediate action is the most important step. The single most effective first step for any resident in need is to dial 2-1-1. This will connect you with a specialist who can provide personalized, up-to-date referrals. Additionally, contacting your local county's Department of Social Services is a crucial step to inquire directly about available funds. By leveraging these resources, North Carolinians can find the support needed to work toward lasting stability.

 Frequently Asked Questions

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