An estimated 8.8 million Americans are behind on their rent, according the Consumer Financial Protection Bureau. While relief efforts have staved off some of the housing crisis, rent is still going to come due.
The federal government has approved two rounds of rental assistance, worth more than $46 billion total, that is slowly making its way to renters.
Additionally, the federal eviction moratorium has been extended to the end of June. But avoiding eviction does not erase any rent owed. Estimates vary, but the Urban Institute said renters owe anywhere from $13.2 billion to $52.6 billion in back rent.
If you are struggling, here is what you should know about how to access this help:
WHAT’S AVAILABLE
Congress passed two different rental relief packages. The first, approved in December, provided $25 billion for rental relief. The second, approved in March, provides more than $21 billion.
In general the aid can help pay for back rent, next month’s rent and some utility bills. Renters can get a year or more’s help in getting caught up on back rent.
This is in addition to other programs out there on a local basis that may provide different forms of assistance. There has been some difficulty accessing certain programs but housing experts are hoping this latest round of federal relief specific to rental assistance will help more people.
WHO QUALIFIES
There is some flexibility for states to adapt the program, but in general, the federal relief money is available to those who earn 80% or less of the area median income in their area and have experienced some sort of COVID-related hardship. Preference is given to those with 50% or less of median income for their area.
The application can be made by the household in need or the landlord on behalf of the household. Usually the money will be paid directly to landlords and utility service providers.
However, some landlords may not want to participate because it requires a certain amount of paperwork and some concessions, such as potentially agreeing not to raise the rent or evict the tenant for a period of time.
If a landlord does not wish to participate, funds may be paid directly to the eligible household.
WHERE TO GO
Renters who need help should reach out to their local housing authority to find out if they qualify for federal relief as well as any local aid.
