Emergency Rental Assistance: What It Is and How to Apply Before It's Gone
Jan 21, 2025 • STAFF
Introduction
Eviction is a terrifying possibility — especially when you're already struggling to catch up on rent. The Emergency Rental Assistance (ERA) program was created to help renters facing financial hardship. If you’re behind on rent or at risk of losing your housing, this program could help cover not only your rent but also utilities and late fees.
Need help applying? Use our free checklist to find out what you qualify for.
What Is Emergency Rental Assistance?
ERA is a federal program funded by the U.S. Treasury and administered by state, county, or city agencies. It was launched during the COVID-19 pandemic and continues to provide aid in many areas.
Funds can be used to cover:
- Past-due rent
- Future rent (up to 3 months in some cases)
- Utility and home energy costs
- Late fees and relocation costs (in certain cases)
Who Qualifies for ERA?
To be eligible, you typically need to:
- Have experienced financial hardship (loss of job, reduced hours, unexpected expenses)
- Show a risk of housing instability or eviction
- Have household income at or below 80% of the area median
Eligibility varies by location, and some areas give priority to very low-income renters or households with children.
How to Apply for ERA
Application processes differ by city or state, but follow these general steps:
- Search for your local ERA program via the Consumer Finance ERA finder
- Gather documents like your lease, ID, income info, and overdue rent notices
- Apply online or through a housing agency
- Follow up quickly — some programs run out of funds or close applications periodically
Payments often go directly to your landlord or utility provider.
Families with kids may qualify for Help for Single Parents.
Tips for Renters
- Communicate with your landlord: Let them know you’ve applied for assistance
- Apply even if partially behind: Some programs help proactively
- Check for reopening periods: If the application is closed now, it may reopen later
💡 Tip: Many renters assume ERA is “only for COVID” — but some programs are still active and open to anyone with documented hardship. Don’t wait to check.