HUD housing counseling

Free or low cost advice from a housing counselor approved by the federal government.

Where do you rent?

The rule depends on your state and city. Pick your state to see the rule where you live.

Every place we cover

California

HUD-approved housing counselors give free or low-cost advice on paying rent, avoiding eviction, and finding housing programs. Anyone can use them. Call 800-569-4287 or search by zip code at www.hud.gov/findacounselor.

✓ Sources checked September 12, 2026

Read the full guide for California.

Florida

HUD-approved housing counseling agencies work across Florida. Use HUD's counselor finder at hud.gov/findacounselor. You can search by zip code. You can also search by state. This helps you find an agency near you. For help after a disaster, call HUD at 800-569-4287.

✓ Sources checked September 24, 2026

Read the full guide for Florida.

Idaho

Idaho Housing and Finance Association offers free, one-on-one housing counseling to help you find, secure, and stay in safe rental housing. Look under Renters on its website, idahohousing.com.

✓ Sources checked October 5, 2026

Read the full guide for Idaho.

Kentucky

Kentucky Housing Corporation connects renters with rental assistance (money to help pay rent) programs across Kentucky. Its Kentucky ERA2 Partnership Program gives money to local nonprofits to help renters pay past-due rent and prevent eviction. Call Kentucky Housing Corporation at 502-564-7630 or 800-633-8896 (toll-free in Kentucky) to ask if you qualify and how to apply.

✓ Sources checked October 5, 2026

Read the full guide for Kentucky.

Massachusetts

Housing Consumer Education Centers (HCEC). These regional centers answer questions about any housing problem. They help tenants, landlords, buyers, and homeowners. Their goal is to help you stay housed and avoid conflicts. Dial 211 to find the center for your area.

✓ Sources checked October 5, 2026

Read the full guide for Massachusetts.

Michigan

The Michigan State Housing Development Authority (MSHDA) keeps a directory of housing counselors approved by the U.S. government. It also lists affordable rentals for Michigan renters.

✓ Sources checked September 27, 2026

Read the full guide for Michigan.

New Jersey

The U.S. Department of Housing and Urban Development (HUD) lists local housing counseling agencies that help people make informed housing decisions. Search by zip code or state on its website.

✓ Sources checked September 24, 2026

Read the full guide for New Jersey.

New Mexico

Housing New Mexico, the state's Mortgage Finance Authority, helps people find an affordable rental home. Call 505-843-6880 or visit housingnm.org to search rental listings.

✓ Sources checked October 5, 2026

Read the full guide for New Mexico.

North Carolina

HUD (the U.S. housing department) says a HUD approved housing counselor can give you advice to help you stop an eviction. North Carolina's HUD approved counselor is NCHC Housing Counseling Network. Call (919) 881-0707. You can also search online for a HUD approved counselor near you, or call (800) 569-4287.

✓ Sources checked October 5, 2026

Read the full guide for North Carolina.

Ohio

The U.S. Department of Housing and Urban Development (HUD) works with housing counseling agencies across the country. These agencies help renters make informed housing decisions. Go to hud.gov/findacounselor. Search by zip code or select Ohio as the state to find an agency near you.

✓ Sources checked September 24, 2026

Read the full guide for Ohio.

Oklahoma

The Oklahoma Access to Justice Foundation's Tenant Toolbox has videos and flyers for renters. Topics include how to ask for repairs and what happens if your landlord files an eviction notice. Email info@okaccesstojustice.org to learn more.

✓ Sources checked October 5, 2026

Read the full guide for Oklahoma.

Pennsylvania

The Pennsylvania Housing Finance Agency (PHFA) is the state housing agency. PHFA can connect you with free help from a housing counseling agency. A housing counseling agency has trained staff who help you make a plan.

✓ Sources checked October 5, 2026

Read the full guide for Pennsylvania.

Seattle

HUD housing counseling. This federal program connects you with local housing experts. These experts are approved by HUD and help renters for free or at low cost. Call 800-569-4287 to find one near you.

✓ Sources checked October 5, 2026

Read the full guide for Seattle.

Texas

HUD-approved housing counseling agencies give free or low-cost advice about renting, rent help, eviction, and fair housing. Anyone can use them. Search by zip code, or pick Texas, on the HUD website at hud.gov/findacounselor. For help after a disaster, call HUD at 800-569-4287.

✓ Sources checked September 24, 2026

Read the full guide for Texas.

Virginia

Virginia Housing gives renters across Virginia help and information about renting, including your rights when you rent. Call the toll-free line at 877-843-2123, or the Richmond local line at 804-782-1986.

✓ Sources checked October 5, 2026

Read the full guide for Virginia.

Washington

The U.S. Department of Housing and Urban Development (HUD) runs a housing counseling program through a nationwide network of HUD participating housing counseling agencies. HUD says the program helps families obtain, sustain, and retain their homes. Search by your Washington zip code, or select Washington from the state list, to find an agency near you. You can also call 800-569-4287 (202-708-1455 TTY). This is a federal service, and Washington is on the state list.

✓ Sources checked September 24, 2026

Read the full guide for Washington.