Housing

Emergency Rental Assistance: Programs Still Accepting Applications

Updated February 2026 · Rent & Housing · 5 min read

Apartment buildings

What Is Emergency Rental Assistance?

If you’re struggling to pay rent, you may qualify for emergency rental assistance from federal, state, or local programs. Many programs launched during the pandemic have continued with ongoing funding to help low-income renters avoid eviction.

Apartment buildings with emergency rental assistance

Federal Rental Assistance Programs

The Emergency Rental Assistance (ERA) program provided over $46 billion to states and localities to distribute to eligible households. While the initial federal rounds have closed, many state and local programs continue to operate using unspent or reallocated funds.

Who Qualifies?

Most programs require that you: (1) are renting your primary residence, (2) have experienced financial hardship, (3) have a household income at or below 80% of Area Median Income (AMI), and (4) are at risk of housing instability. Some programs prioritize those with past-due rent or facing eviction proceedings.

What Can It Cover?

Assistance can cover past-due rent (often up to 12–18 months), future rent payments (often 3 months at a time), and utility arrears. Payments typically go directly to your landlord or utility provider.

How to Apply

Contact your local housing authority or community action agency, or visit your state’s HUD-approved housing counseling agency. Many areas have 2-1-1 hotlines that can connect you with local rental assistance programs quickly.

Additional Resources

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Additional Resources

CFPB Rental Assistance LocatorHUD Rental Assistance Programs211.org — Find Local Assistance

If you’re struggling to pay rent, you may qualify for emergency rental assistance from federal, state, or local programs. Many programs launched during the pandemic have continued with ongoing funding to help low-income renters avoid eviction.

Apartment buildings with emergency rental assistance

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Apartment buildings with emergency rental assistance