Struggling to keep up with rent is more common than most people realize. Federal, state, and local rental assistance programs exist to help — and many have funds available right now.
How Rental Assistance Works
Rental assistance programs provide direct financial help to tenants who are behind on rent or at risk of eviction. Funding comes from federal, state, and local sources, and the money typically goes straight to your landlord or utility company on your behalf.
Emergency Rental Assistance Program (ERAP)
The federal Emergency Rental Assistance Program was created to help renters affected by financial hardship. While the initial pandemic-era funding has largely been distributed, many states and localities continue to operate rental assistance programs using remaining federal funds and new state appropriations.
Section 8 Housing Choice Vouchers
Section 8 is the largest federal rental assistance program. It provides vouchers that cover a portion of rent for low-income families, seniors, and people with disabilities. You pay about 30% of your adjusted income, and the voucher covers the rest.
State and Local Programs
Every state has its own rental assistance programs, often administered through local Community Action Agencies or housing authorities. These may include:
- Emergency rental assistance for tenants facing eviction
- Security deposit assistance for new housing
- Utility payment assistance programs
- Rapid rehousing for people experiencing homelessness
- Short-term rental subsidies through nonprofit organizations
How to Find Your State’s Program
Step 1: Visit the National Low Income Housing Coalition website (nlihc.org) for a state-by-state directory of rental assistance programs.
Step 2: Contact your local Community Action Agency — they administer many federal and state rental assistance funds.
Step 3: Call 211 for referrals to local programs that may not be widely advertised.
Step 4: Check with your local housing authority about emergency assistance funds.
Do not wait until you are behind on rent. Many programs can help before you miss a payment. Apply as soon as you know you will have trouble covering rent — early action gives you more options.
What to Bring When Applying
- Proof of identity (government-issued ID)
- Proof of income (pay stubs, benefit letters, or tax returns)
- Copy of your lease agreement
- Landlord contact information
- Documentation of financial hardship (job loss letter, medical bills, etc.)
- Past-due rent notices or eviction filings if applicable
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Relief Resource Center may receive compensation when you use links or tools on this page. All programs listed are subject to eligibility requirements and availability. This page is for informational purposes only and does not constitute legal, financial, or medical advice.