With Section 8 waitlists closing in many states and federal housing funds facing cuts, low-income renters are being forced to find other solutions. If you can’t get a Section 8 voucher or the wait is too long, there are state-specific programs that can still help. Many states offer rental assistance, affordable housing programs, and eviction prevention funds separate from federal HUD programs.
This guide breaks down alternative housing programs in different states, covering rental assistance, state-funded housing, and emergency housing aid.
Why State Housing Programs Matter More in 2025
The federal government is cutting back on housing assistance, and states are taking more control over affordable housing. Trump’s HUD policies are shifting funding priorities, and Elon Musk’s influence on housing could mean more privatized solutions rather than government-funded programs. Learn more about these changes in Trump and Musk’s Plans Could Impact Affordable Housing.
If you’re struggling to find federally funded housing, state and local programs may be your best option.
State Housing Programs That Can Help
California: Housing Is Key Program & CalWORKs Housing Support
- Housing Is Key provides rental assistance for low-income families, especially those impacted by evictions and rising rents.
- CalWORKs Housing Support helps homeless families with children find stable housing.
- California also has strong tenant protections, meaning renters facing eviction have more rights than in many other states.
Texas: Texas Rent Relief & Homeless Housing Programs
- Texas Rent Relief helps tenants pay back rent and utility bills.
- The Homeless Housing and Services Program (HHSP) funds emergency housing and rental assistance in major cities.
- Some counties also have rapid rehousing programs that work faster than Section 8.
New York: One-Shot Deal & CityFHEPS
- One-Shot Deal is a one-time emergency rental assistance program for renters at risk of eviction.
- CityFHEPS is a rental assistance program in NYC that helps low-income workers and homeless individuals pay for housing.
- New York also has some of the strongest eviction protections in the country. Learn more about these in the Eviction Protection Grant Program.
Florida: SHIP Program & Homeless Prevention Grants
- The State Housing Initiatives Partnership (SHIP) program provides affordable rental assistance and homeownership help for low-income Floridians.
- Many counties also have Homeless Prevention Grants, which help renters pay security deposits, rent, and moving costs.
- Florida has less tenant protection than other states, so these programs are often a lifeline for struggling renters.
Illinois: Rental Housing Support & Emergency Assistance
- The Rental Housing Support Program provides long-term rental assistance for low-income families through local housing authorities.
- Emergency Rental Assistance Programs (ERAP) offer help for tenants facing eviction, similar to Section 8 but state-funded.
Pennsylvania: PHFA Housing Assistance
- The Pennsylvania Housing Finance Agency (PHFA) offers rental assistance, homebuyer help, and mortgage relief for low-income households.
- Many cities, like Philadelphia and Pittsburgh, have tenant protection programs and eviction prevention funds.
Georgia: HomeSafe Georgia & State Housing Vouchers
- HomeSafe Georgia offers rental and mortgage assistance for renters at risk of eviction or foreclosure.
- State-funded housing vouchers exist in some counties, helping renters who don’t qualify for Section 8.
Washington: Housing and Essential Needs (HEN) Program
- HEN provides rental assistance, utility help, and essential household goods for low-income individuals.
- This is one of the most generous state-funded housing programs, offering assistance even for people without children or disabilities.
Arizona: Short-Term Crisis Services & Homeless Assistance
- Short-Term Crisis Services (STCS) provides one-time rental and utility assistance for those facing financial hardship.
- Arizona’s Homeless Assistance Programs focus on rapid rehousing and emergency rental assistance.
How to Apply for State Housing Assistance
Most state programs require proof of income, rental history, and a demonstrated need for assistance. Here’s what to do:
- Search for your state’s housing agency – Every state has a housing department that manages rental assistance programs.
- Check income limits – Some programs require income at or below 50% of the Area Median Income (AMI).
- Gather documents – Proof of income, rental history, and an eviction notice (if applicable) can speed up the process.
- Apply early – Many programs run out of funds quickly, so apply as soon as possible.
If you’re struggling to find available housing, try using the Section 8 Search housing tool to locate affordable rentals and state-funded programs near you.
Charities That Provide Free or Low-Cost Housing
If state programs aren’t enough, some charities and nonprofit organizations offer free or low-cost housing for those in need.
- Habitat for Humanity – Helps low-income families buy homes with low-cost mortgages.
- Salvation Army Housing Assistance – Provides temporary and long-term housing solutions for struggling renters.
- Catholic Charities Housing Programs – Offers rental assistance, emergency shelters, and housing support for families.
- CoAbode – Helps single mothers find affordable shared housing.
- Modest Needs Foundation – Gives grants to renters in crisis to prevent evictions.
For more details on these programs, read Top 5 Charities Providing Free Housing for Those in Need.
What to Do If You’re Facing Eviction
Many state programs prioritize renters at risk of eviction, and some states offer legal assistance to fight unfair evictions. If you’re worried about losing your home:
- Check your state’s emergency rental assistance program – Many states offer one-time funds to stop evictions.
- Apply for the Eviction Protection Grant Program – This program helps renters pay legal fees and fight evictions. Learn more in Eviction Protection Grant Program.
- Know your tenant rights – Some states require landlords to give longer notice periods before eviction.
Final Thoughts
If Section 8 isn’t an option, don’t give up, many state-funded housing programs can still help. From rental assistance to emergency eviction protection, states are stepping up to fill the gap left by federal funding cuts.
If you need rental assistance, emergency housing, or a way to find low-cost rentals, use the Section 8 Search housing tool to locate affordable housing options near you. Stay informed, apply early, and explore every available program to secure stable housing.