Housing is one of our most fundamental needs, but in times of crisis or uncertainty, the burden can become overwhelming.

For individuals and families facing the threat of homelessness or eviction, Emergency Rental Assistance (ERA) can make all the difference. Let’s dive into the details of how ERA works, and what you need to know if you are eligible for assistance.

What is emergency rental assistance?

Emergency rental assistance is financial aid provided to individuals and families who are unable to pay their rent due to a hardship such as loss of income from job loss or reduction in hours. This assistance may come in the form of grants, vouchers, or other forms of financial aid and can be provided by government agencies, non-profit organizations, or charitable groups. The funds may be used to pay for past-due rent, future rent payments, or both.

How do I qualify for emergency rental assistance?

To be eligible for emergency rental assistance its important to familiarize yourself with the specific requirements for the program you intend to apply for. In general, however, individuals and families may qualify for emergency rental assistance if they meet the following criteria: 

  • Demonstrate a financial hardship or loss of income due to job loss or reduction in hours 

  • Be a tenant of a privately-owned rental property or a resident in a mobile home or manufactured housing 

  • Meet income guidelines, which are often based on the area median income (AMI) or the federal poverty level 

  • Be in danger of eviction or already have an eviction notice 

  • Some programs may require US citizenship or permanent residency 

  • Additionally, some programs may have other specific requirements, such as being a veteran, a senior citizen, or a person with disabilities. It's worth checking specific program guidelines and requirements to know if you qualify. 

It's also worth noting that emergency rental assistance is usually distributed on a first-come, first-served basis (and the funding is limited), so it's best to inquire and apply as soon as possible. 

What are the income eligibility guidelines for emergency rental assistance?

Income eligibility guidelines for ERA programs can vary depending on the specific program and the organization providing the assistance. These programs are usually intended for low-income households, so the income guidelines are often based on the area median income (AMI) or the federal poverty level. 

Many programs will set limits based on the area median income (AMI), which is determined by the U.S. Department of Housing and Urban Development (HUD) and is specific to each geographical area. 

For example, a program may set the income limit at 80% of AMI, meaning that a household's income cannot exceed 80% of the median income for that area. Another program may set the income limit at 200% of the federal poverty level, meaning that a household's income cannot exceed 200% of the poverty level for their household size. Many programs set limits based on the federal poverty guidelines, which are updated annually by the U.S. Department of Health and Human Services (HHS). 

If you are looking into ERA eligibility, check specific program guidelines and requirements to know what the income limits are. It's also worth noting that a person's income is not the only criterion to be eligible for rental assistance, as other factors may also play a role in the decision.

Where can I apply for ERA?

There are a variety of places where you can apply for emergency rental assistance, depending on your location and specific circumstances. Some options include: 

Government Agencies

Many state and local government agencies, such as housing authorities, have emergency rental assistance programs in place. You can check your state's housing website or contact your local housing authority to find out if such programs are available in your area. 

Community Action Agencies

These agencies are non-profit and are operated by local governments, typically county governments. They are established and funded by the Community Services Block Grant (CSBG) and work to help low-income individuals and families by providing various services including rental assistance. 

Non-Profit Organizations

Many non-profit organizations, such as churches and charitable groups, provide emergency rental assistance to those in need. These organizations may have specific requirements, and you should check with the organization directly to find out if they have a rental assistance program. 

Charitable Foundations

Some charitable foundations will have rental assistance programs that are open to the public. Do a quick search to see what is available near you, and then reach out to them to inquire about the details. 

There may also be national emergency rental assistance initiatives launched by the government during crises – such as the COVID-19-related rental assistance program.

No matter where you go for rental assistance, it’s always a good idea to research and apply for multiple programs if you are looking for assistance. Emergency rental assistance programs can have limited funding and may not be able to help everyone who applies.

What expenses are covered by emergency rental assistance?

Emergency Rental Assistance is designed to help eligible households cover rent and utility costs. This typically includes more than just ongoing monthly rent and utility payments. Overdue rent or utility bills that the household has been unable to pay due to financial hardship may also be covered. 

Covered living costs may also include internet service bills, as well as other housing expenses defined by the program. The specifics may vary by program and location, so check the details of the local Emergency Rental Assistance program in your area.

What are the deadlines for applying for ERA?

The deadlines for applying for Emergency Rental Assistance can vary widely depending on the program and the location. Some programs operate on a rolling basis, accepting applications until funds have been exhausted. Others may have specific application windows. Given this variation, it's critical for interested applicants to check with their local or state housing authority or the agency administering the program for the most accurate and timely information.

Can you receive ERA if you’re already receiving other forms of housing aid?

Emergency Rental Assistance can generally be used in conjunction with other forms of housing aid, although there are some important restrictions to be aware of. 

Typically, you cannot receive ERA for costs that are already being covered by another form of housing assistance. In other words, the assistance can't be "doubled up." However, if you have eligible expenses that are not covered by your existing housing aid — for instance, if you receive assistance that covers part of your rent, but you're struggling to pay the remainder — then you may be able to receive Emergency Rental Assistance for those uncovered costs.

What happens after you apply for emergency rental assistance?

Once you submit your application, it will be reviewed by the administering agency to determine your eligibility. The timeframe for this review process can vary, but you should typically receive a response within a few weeks.

If your application is approved, the aid will usually be distributed directly to your landlord or utility company. However, if these parties decline to accept payment directly from the program, the funds may be distributed to you, the tenant, to make the payments yourself. You'll generally receive a notice indicating the amount of assistance you've been granted and how it will be distributed.

What happens after you apply for emergency rental assistance?

Landlords play a crucial role in the Emergency Rental Assistance program. In many cases, they are the ones who receive payment directly from the program on behalf of their tenants. They may also be asked to provide documentation as part of the application process, such as verification of the rental amount or the tenant's rental agreements.

It's important for landlords to cooperate fully with the program and provide any requested documentation promptly, as failure to do so can delay or hinder the tenant's access to assistance.

What options are available if an application for emergency rental assistance is denied?

If an application for ERA is denied, the applicant generally has the right to appeal or request a review of the decision. The specifics of this process will vary depending on the program and location, but the denial notice typically includes information on how to proceed with an appeal. 

If you are denied Emergency Rental Assistance, other forms of aid may be available, including the following:

  • Emergency Solutions Grants (ESG): ESG funding can be used to support homelessness prevention, including rental assistance for individuals and families at risk of losing their homes.

  • Community Development Block Grant (CDBG) CARES Act funds: CDBG funds, including those provided through the CARES Act, can be allocated to emergency rental assistance programs to support individuals and families affected by the pandemic.

  • Homelessness Prevention and Rapid Re-Housing Program (HPRP): HPRP provides temporary financial assistance and supportive services to individuals and families facing homelessness or housing instability.

  • State-specific programs: Many states have implemented their own emergency rental assistance programs tailored to local needs and funding sources.

The availability and specific details of these programs may vary depending on the location. Individuals seeking emergency rental assistance should check with their local government, housing agencies, or relevant social service organizations to learn about specific programs in their area.

Who can I contact if I have more questions about emergency rental assistance?

If you have more questions about Emergency Rental Assistance, reach out to the agency administering the program in your area. This might be a local or state housing authority or another designated agency.

Find Helpful Housing Assistance

There are various places where you can apply for emergency rental assistance, including government agencies, community action agencies, non-profit organizations, and charitable foundations. It's always best to check the specific program guidelines and requirements to know what are the income limits and other criteria.

If you’re looking for housing assistance or opportunities for low-income families, check out our helpful search tool.