Need Housing? Resources You Can Use
Finding a place to live in the U.S. can feel like a tough puzzle. Some states are much more expensive than others, and finding a good job near an affordable home isn’t always easy. If you’re struggling to find housing or need help with rent, you’re not alone, and there are resources available to support you.
This guide will walk you through some key programs and tools that offer housing and rental assistance. We’ll break down how they work so you can find the support that fits your needs.
Where to Find Housing Assistance
Navigating the world of housing support can seem complicated, but several government-backed programs are designed to help. These programs aim to make sure everyone has a safe and affordable place to call home.
U.S. Department of Housing and Urban Development (HUD)
HUD is the main federal agency responsible for national housing policy. It offers a wide range of programs for renters, home-buyers, and homeowners. If you’re looking for help, HUD is one of the best places to start.
- Rental Assistance: HUD helps families with low incomes, the elderly, and people with disabilities find affordable housing. They do this through programs that subsidize rent in privately-owned apartments.
- Public Housing: These are apartment complexes managed by local public housing agencies (PHAs). Rent is usually set at a percentage of your income, making it a more affordable option.
- Housing Choice Voucher Program (Section 8): This program provides vouchers that allow you to choose your own housing, including single-family homes, townhouses, and apartments. If your chosen rental meets the program’s requirements, the government pays a portion of your rent directly to the landlord.
To find your local Public Housing Agency and see what you qualify for, you can visit the HUD website.
Finding Rental Assistance Programs
If you have a place to live but are struggling to pay rent, rental assistance programs can provide the short-term help you need to stay in your home. These resources can be a lifeline during tough financial times.
Emergency Rental Assistance Program
The U.S. Department of the Treasury created the Emergency Rental Assistance (ERA) program to help households that are unable to pay rent or utilities. The funds are provided directly to states, territories, and local governments, which then distribute them to those in need.
You can typically apply for ERA funds through local community organizations or your state’s housing agency. This program can cover:
- Past-due rent
- Future rent payments
- Utility and home energy costs
Nonprofit and Local Aid
Besides government programs, many nonprofit organizations offer housing and rental assistance. Groups like The Salvation Army, Catholic Charities, and local community action agencies often have funds available to help with rent, security deposits, or utility bills. A great way to find these resources is by calling 2-1-1, a free service that connects you with local support.
Get the Help You Need
Finding affordable housing or getting help with rent can make a huge difference in your financial stability. By exploring the resources offered by HUD and local assistance programs, you can find the support necessary to secure a safe and stable home. Don’t hesitate to reach out to these organizations to learn more about your options.
