How To Find Tenant Law and Housing Assistance Resources

Although the federal government sets national housing policy, states regulate housing within their borders. Every state has housing resources to help its citizens with landlord-tenant law or tenants’ rights. Renters and prospective tenants should familiarize themselves with their state and local housing resources.

This article shares state resources for tenants and renters and how to seek services near you.

If you’re stuck in a landlord-tenant dispute, you may benefit from professional legal representation. A local attorney can negotiate with your landlord, advocate for your best interests, and pressure your landlord to meet their responsibilities and follow the law. Find local legal help.

Housing Assistance

States have an interest in ensuring their citizens have access to safe, clean rental housing. Many states have a few tools to achieve this goal. These tools include, but are not limited to:

• Affordable rental housing programs
• Rental assistance programs
• Emergency rental assistance programs
• Eviction prevention programs
• Fair housing laws

These programs help prevent homelessness. They help a state’s citizens afford appropriate housing.

Affordable Rental Housing Programs and Subsidized Housing

“Affordable housing” refers to a wide range of housing opportunities in a given region. It applies to the following:

• Subsidized public housing
• Affordable rental housing
• Affordable homeownership programs

Most affordable housing programs aim to ensure those with low-to-moderate incomes have equal access to quality housing.

Look for Buildings That Offer the Owner a Tax Break

In some states, luxury rental property developers set aside a percentage of rental units for low- and moderate-income families in exchange for tax breaks. Persons meeting financial eligibility criteria can rent these units for below-market rental rates.

In New York State, for example, New York City’s Department of Housing Preservation and Development helps create affordable housing opportunities for New Yorkers.

Finding State Resources

One way to access this information is to do an internet search for affordable housing in your state. For example, a search for affordable housing in Maryland leads you to the Maryland Affordable Housing Trust website. The Trust aims to increase affordable housing opportunities in the state.

Rental Assistance Programs

Rental assistance programs help low-income families afford clean, safe, and decent housing on the private market.

Both federal and state governments offer rental assistance programs. The U.S. Department of Housing and Urban Development offers housing choice vouchers for the following populations:

• Very low-income families
• Elderly
• Disabled

Finding Housing Programs in Your State

One invaluable resource for finding a state’s rent assistance program is HUD’s local renting website. You can select your state or territory from a list to find local resources. For each state, you can access resources on the following:

• Rent assistance (help paying your rent)
• Rental assistance (help finding affordable housing)
• Utility assistance (help paying your utility bills)

Emergency Rental Assistance Programs

Most states also offer emergency rental assistance programs to help their citizens in housing emergencies. This includes eviction for nonpayment of rent or public health emergencies, like a pandemic.

For example, the District of Columbia (D.C.). The District has an Emergency Rental Assistance Program (ERAP) for eligible District of Columbia residents. Eligible D.C. residents can get the following emergency assistance:

• Funding for unpaid rent and associated late fees
• Funding for a security deposit and first month’s rent
• Funding for court costs for those facing an eviction

During the COVID-19 pandemic, many states offered rent relief programs or eviction moratoriums to help their citizens stay housed. These have all since expired.

You can do a simple internet search for “emergency rental programs” and your state for more information.

Eviction Prevention Programs

States have a profound interest in reducing homelessness and ensuring citizens have access to safe, affordable, and clean housing. According to the National Alliance to End Homelessness, over 500,000 experience homelessness on “any given night.” States work to prevent homelessness in several ways, including eviction prevention. In doing so, they help mitigate the risk of persons or families becoming homeless.

Reasons for Eviction

Landlords and property owners use eviction to remove tenants from the rental property. They cannot use self-help, such as changing the locks or turning off the tenant’s utilities. Common reasons for evictions include, but are not limited to, the following:

• Nonpayment of rent
• Willful destruction of rental property
• Engaging in criminal activity on the property
• Violating the terms of the rental agreement

Preventing Evictions and Homelessness

In states like Maryland, persons or families facing eviction can get help. This help often includes counseling and case management. Maryland offers grants to service providers to help tenants with the following:

• Education on their legal rights as a tenant
• Life skills training, including budgeting
• Mediation with the landlord or property manager
• Direct payments to the landlord or property manager

Finding State Resources

For more information on eviction prevention programs, search for these phrases with your state’s name.

If you’ve received an eviction notice, you may still have options. A landlord-tenant attorney can advocate for you throughout the eviction process and identify potential defenses. They can also represent you in eviction court if necessary. Find local legal help.

Fair Housing Laws

Fair housing laws prevent unlawful discrimination in real estate transactions, including renting properties. The federal government uses the Fair Housing Act. Individual state laws address fair housing and often offer more protection. Housing discrimination in real estate occurs when a real estate professional makes a housing decision based on a protected characteristic.

Protected characteristics include, but are not limited to, the following:

• Race
• Gender identity and sexual orientation
• Disability
• National origin
• Religion
• Familial status

An example of unlawful discrimination based on a protected characteristic is a landlord who refuses to rent to a transgender individual.

Finding State Resources

You can search for “state fair housing laws” and the state name for information on specific state fair housing laws. Some renters also benefit from joining a tenant association.

Know Your Rights: Get Legal Help

While this information can help you navigate state resources, it’s no substitute for legal advice. A qualified landlord-tenant attorney can help you understand your legal rights and responsibilities. They can also help connect you to community resources that may be able to support you.

FindLaw’s directory of landlord-tenant lawyers can get you started. Enter your city or ZIP code for a list of legal professionals in your area. Because your state and local laws are relevant, your attorney should be licensed in the state where you live. Your search results will also show important details about prospective attorneys, like ratings, languages spoken, and whether they offer free consultations.