How to get emergency rent assistance

January 21, 2026 | 13 min read Financial Assistance

Mandy and her partner had just found their footing after moving across the country. Then an unexpected expense took a huge bite out of their budget and left them in need of an emergency rental assistance program.

“My car failed inspection, and to pass, I needed a $1,000 repair,” Mandy recalls. “I had 10 days to get it fixed, and our rent was due next week.”

Mandy and her partner were already barely getting by. They both had low-paying jobs. Mandy’s paycheck was dependent on how many shifts she could pick up at the grocery store where she worked. It was either pay their $850 rent or fix her car.

Reluctantly, Mandy reached out to her mother for help in search of rent assistance. “We didn’t know what else to do,” Mandy says. “If I couldn’t drive my car, I couldn’t get to work.”

Mandy’s struggle is not unique. Housing instability is a common problem in the USA. Many people are only one emergency expense away from not being able to cover their basic bills. In fact, more than half of Americans can’t cover basic expenses with their income, according to a report from the Ludwig Institute for Shared Economic Prosperity (LISEP). From housing costs to health care, cell phone bills to childcare, many Americans struggle to make ends meet.

According to Harvard University’s Joint Center for Housing Studies, “more than one in every ten renter households across the country has applied for federally funded emergency rental assistance (ERA).” While more than 33% of applicants did receive assistance, 38% were still waiting for approval, and 25% were denied.

While there are resources available to help those in need, such as the U.S. government’s Emergency Rental Assistance Program and 211.org, those who find themselves in need often discover their urgent financial issues don’t align with the timing of governmental relief.

So, what do you do if you find yourself in that situation? Luckily, there are several alternatives anyone needing emergency rental assistance can explore.

Read on for ways to get help raising money for rent assistance.

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What is emergency rental assistance?

Emergency rental assistance refers to state or federal government programs that provide financial assistance and relief to households that find they can’t pay their rent and utilities. This could be down to a number of reasons, such as a reduction or loss of household income, unexpected significant costs or bills, or prolonged illness.

Emergency rental assistance provides monetary assistance to support housing stability, covering the costs for rental housing, payment of rent arrears, and eviction prevention.

The U.S. government and some state governments have programs such as the Treasury Department’s Emergency Rental Assistance (ERA) program, New York state’s rental assistance program, and Catholic Charities Communities Services program, which can offer assistance to qualified applicants – something we’ll cover in more detail below.

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Why people need help with rent

Renters who put more than 30% of their income towards rent are “cost-burdened,” according to the 2023 and 2024 American Community Survey. This means they may have trouble affording other necessities and will likely need help with rent.

“That’s hard in a lot of rental markets for people,” says Laura Scherler, senior director of economic mobility and corporate solutions at United Way. She added that there are people who spend more than 40 or 50% of their income on rent. “It leaves them vulnerable if their car breaks down or their kids get sick. Anything unexpected will throw them off. It doesn’t give them any wiggle room to manage those crises.”

That was the case for Mandy. She and her partner had already exhausted their savings for their move when they had to get her car fixed. Mandy estimates that they were paying close to 50% of their shared income toward rent.

“We didn’t have any savings to fall back on,” Mandy says, adding that saving even $20 per paycheck (as Scherler recommends) was incredibly difficult for the couple at the time.

Financial challenges are widespread

According to a recent survey from Bankrate, 59% of U.S. adults are uncomfortable with their level of emergency savings. The same Bankrate survey also found that about 13% have no emergency savings at all.

There are many reasons that someone could be in need of short-term help and would want to know how to get help with rent. Volunteers of America (VOA) is a national nonprofit organization that helps people find affordable housing, particularly veterans, senior citizens, families, and people with disabilities. VOA has identified these reasons for the increase in need for their services:

Wages are not increasing at a proportional rate to the consistently increasing property values and low vacancy rates. Property values and rent continue to increase at a rate that tenants can’t keep up with, leading to struggles with paying rent.
Increasingly long waiting lists for subsidized housing. Waitlists of 2-3 years for low-income families and singles make paying rent in higher rental units more difficult.

While the problem may be on the rise, there are ways to raise money for rent.

How to get help paying rent

If you’re having trouble paying your rent, here is a list of a few different ways to secure rental assistance funds.

1. Read your lease

Find out your rights as a tenant. Look to see what happens if your payment is late or if you miss a month, and when eviction proceedings would begin.

Usually, it takes 90 days after you receive the notice for the eviction proceedings to start, Scherler says, so there is some time to work with.

“If you miss one rent payment, but make your following month’s payment, you may not be evicted,” Scherler says.

2. Talk to your landlord

Landlords can sometimes be forgiving if you fall on temporary hard times. If you are a good tenant and have a good relationship with your landlord or property manager, they may be willing to work with you. Ask if they will accept a late payment or if you can pay any past-due payments in installments. It’s advisable to get ahead on financial matters, so if you can speak to your landlord before you miss a payment, they may be more agreeable to your situation.

You can also check if your local community has housing organizations that negotiate times of hardship with landlords and see if they would be willing to mediate between you and your landlord. Additionally, if you can pay a partial amount of rent, your landlord may be willing to accept partial and/or late payments.

3. Reach out to nonprofits

Nonprofit organizations can fill the need for help when the local government programs cannot. Both Catholic Charities and The Salvation Army may be able to provide eligible households with emergency help for rent and utility bills.

Visit the official websites for full contact information of your local center to find out if you’re eligible for housing assistance. With The Salvation Army, applicants meet with a caseworker as part of the eligibility process.

There are other organizations that help with rent. One option is calling 2-1-1, a 24-hour helpline administered by United Way () that connects people in need of assistance to resources in their communities. The organization also has a website: 211.org.

Housing and utility assistance make up the highest percentage of 2-1-1 calls, Scherler says. “I think, unfortunately, housing is a tough one,” she says. “That is a big challenge in a lot of communities.”

Your state may also offer emergency rental assistance. For example, the New York state government has emergency financial assistance programs, and there’s also LawHelpNY. Meanwhile, Los Angeles has a program called ULA Emergency Renters Assistance Program.

You can also seek assistance on the national level from the Consumer Financial Protection Bureau at 800-569-4287. Other charities that could be worth contacting include [Social Service Association of Ridgewood and Vicinity (SSA) and HELP USA.

4. Look into other ways to boost your household income

Ask your friends and family members for a loan, a business opportunity, or see if you can get a payroll advance from your employer. Some companies may also have a financial hardship fund to provide emergency rent help for employees.

5. Consider fundraising on GoFundMe

Crowdfunding is an effective way to raise money for rental assistance. GoFundMe is a safe, trusted crowdfunding platform with a giving community of more than 150 million donors worldwide.

Starting a GoFundMe is an easy way to share your situation with loved ones and your wider community, but also to offer tangible ways they can help you get back on your feet. You could include suggested donations to explain what the money will be spent on.

6. Rental help for veterans

If you’re a veteran, the U.S. Department of Veterans Affairs provides help for homeless veterans to provide housing stability. Nonprofit organizations like Veterans Inc. may also be able to help those who need help with rent through its housing program.

If you’re disabled, the federal government has an assistance program to provide funding to develop and subsidize low-income rental housing for adults with disabilities.

7. Government aid

Unfortunately, the federal government provides only limited help to pay emergency rent costs. The federal Department of Housing and Urban Development (HUD) provides help through its housing choice voucher program, but there are often long waitlists, Scherler says.

The government does provide some emergency funding. It’s generally administered through the state agencies and often reserved for eviction prevention. So, unless you’re facing eviction, the help can be difficult to get.

“You almost have to get to the point of crisis before you’re able to get assistance,” Scherler says.

Types of assistance

There are two key types of assistance: Cash Assistance and Direct Rental Programs. With Direct Cash Transfers, those in need receive cash assistance payments. These are most commonly allocated to those who are not eligible for federally funded programs.

Direct Rental Programs, or Housing Choice Voucher Programs, assist low-income families, the elderly, disabled individuals, and veterans. Participants rent eligible housing units, and their rent is partially paid via a subsidy that goes directly to the landlord. For both voucher and direct transfer programs, it is necessary to apply via phone or on the organization’s website, such as HUD.org.

A rent crisis can signal a deeper need

By taking a look at the big picture when faced with a one-time, emergency expense, people can avoid years of financial struggle or even homelessness.

For Mandy, her rent struggle was a sign that she and her partner needed more help to get by than they wanted to admit. They had been considering applying for the Supplemental Nutrition Assistance Program (commonly referred to as SNAP), but their financial crisis caused them to seek help right away.

“We felt terrible,” Mandy says. “We wanted so badly to be self-sufficient, but we just couldn’t make it work.”

There are several resources available if you are in a situation like Mandy’s, and many continue to provide help after the crisis has passed.

Volunteers of America has the following advice if you need help paying rent:

Take an active role in formulating an action plan to end your crisis situation with short-term and long-term solutions.
Avoid ignoring the problem until the last minute.
Don’t panic or make rash decisions, as there are community resources and supports in place to get you through this situation.
Consider taking budgeting classes to determine how to pay your rent in your city, or if you need to find a cheaper place to live.

Tips for managing rent payments

Whether you’re already behind on rent or constantly feel like you’re close to falling behind, it’s important to face your finances head-on.

A common way to stay on track with payments is to utilize the 50/30/20 ratio within your household budget. Here, 50% of your net income is allocated to rent, renter’s insurance, auto insurance, savings for retirement, debt payments, and non-negotiable costs like groceries. The next 30% is for non-necessities such as clothing, meals out, and vacations. The final 20% is put into a general savings account, as well as used to cover additional debt payments and investments.

If you don’t know where to start when it comes to applying the 50/30/20 rule, a great first step is understanding clearly how much you earn per month, and how much you pay out in expenses. You can find this information by analyzing your bank and credit card statements regularly. Once you understand how much you actually bring in and spend, you can get a picture of where your rent and fixed costs fall among the 50/30/20 ratio.

If you’re still confused, you can enlist the help of nonprofit finance education organizations, such as Operation Hope and American Consumer Credit Counseling.

There’s no shame in asking for help

Regardless of whether you’re asking for help through a nonprofit organization, a government agency, loved ones, or crowdfunding, don’t feel embarrassed.

“Everyone falls on tough times,” Mandy says. “It happens to more of us than people realize.”

So, if you’re struggling and need to raise money for rent, take a deep breath and make a plan. Contact your landlord, a nonprofit organization, send an email to your friends and family, or start a crowdfunding fundraiser. Most importantly, remember that you are not alone. Sometimes we all need a little help.

For additional information, please read our posts Get Immediate Help During a Personal Financial Crisis and Need Emergency Financial Assistance? These Resources Can Help.

Contact information for assistance

Below is a list of resources for those requiring emergency rental assistance:

FAQs

How do I apply for rent assistance?

Your application for rental assistance must be processed through your local Public Housing Agency, which you can find by using the HUD Public Housing Agency Directory. As demand can be high with long wait lists, it may be advisable to apply to multiple Public Housing Agency waiting lists.

What should I include in my rental assistance application?

Include proof of identity and Social Security number, documentation of your rent and residency, recent proof of income or tax records if needed, and copies of utility bills if you’re requesting help with utilities.

How long does it typically take to receive assistance?

It usually takes 30 to 45 days to receive an application decision. If your application is taking longer than this, your state or local area may have protections to delay your eviction as you seek help. Contact your landlord to let them know you’re in the process of seeking assistance.

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