Finding affordable housing can be a challenge, especially for those with limited income or facing unexpected financial hardship. Fortunately, North Carolina offers a variety of rental assistance programs designed to help residents secure stable housing. In this guide, we’ll explore the best rental assistance programs in the state and how you can take advantage of them.

What are Rental Assistance Programs?

Rental assistance programs are initiatives that provide financial support to help individuals and families cover their housing costs. These programs aim to prevent homelessness and ensure that residents have access to safe and stable housing. Assistance can come in the form of vouchers, direct payments to landlords, or subsidized housing options.

Characteristics of Rental Assistance Programs

1. Income-Based Eligibility: Most programs prioritize low-income households, with eligibility determined by the applicant’s income relative to the area median income (AMI).
2. Housing Vouchers: Many programs provide vouchers that recipients can use to offset their rent costs in privately-owned properties.
3. Temporary or Long-Term Support: Some programs offer temporary assistance during emergencies, while others provide long-term solutions like subsidized housing.
4. Partnerships with Landlords: Rental assistance programs often work closely with landlords to ensure participants find appropriate housing.

Are Rental Assistance Programs Available in NC?

Yes, North Carolina has a robust network of rental assistance programs. These include federal, state, and local initiatives aimed at helping residents secure affordable housing. Programs like Section 8, the Emergency Rental Assistance Program (ERAP), and various local options ensure that assistance is accessible across the state.

Best North Carolina Rental Assistance Programs

1. Section 8 Housing Choice Voucher Program

Managed by local Public Housing Authorities (PHAs), Section 8 offers housing vouchers to eligible low-income families, seniors, and individuals with disabilities. These vouchers cover a portion of the rent, making housing more affordable.

2. Emergency Rental Assistance Program (ERAP)

Designed to address housing instability caused by the COVID-19 pandemic, ERAP provides temporary assistance for rent and utilities. This program has helped thousands of North Carolina residents remain in their homes.

3. Continuum of Care (CoC) Program

The CoC Program focuses on reducing homelessness through a coordinated system of care. It offers supportive housing and rental assistance to individuals and families at risk of or experiencing homelessness.

4. Workforce Housing Loan Program (WHLP)

WHLP provides funding to developers to create affordable rental housing for low- and moderate-income workers. The program’s impact ensures more affordable units are available statewide.

5. Affordable NC Housing

Affordable NC Housing offers a comprehensive directory of income-restricted rental units across the state. This resource is perfect for residents looking for immediate housing options that align with their budget. By leveraging Affordable NC Housing, you can explore:

• Income-restricted apartments with detailed availability
• Rent limits and eligibility requirements
• Application guidelines for local housing programs

Visit Affordable NC Housing to discover a wide range of rental opportunities tailored to your needs.

Additional Rental Assistance Programs

• Housing Opportunities for Persons With AIDS (HOPWA): Supports low-income individuals living with HIV/AIDS.
• Veterans Affairs Supportive Housing (HUD-VASH): Assists homeless veterans with rental housing.
• Community Action Agencies: Local organizations providing financial assistance and housing resources.

How to Access These Programs

1. Contact Your Local PHA: Reach out to your county’s Public Housing Authority to inquire about Section 8 and other federal programs.
2. Visit State Websites: Check state-run platforms like NC Housing Search to explore available programs.
3. Utilize Affordable NC Housing: Use the database to find income-restricted rentals and application information.
4. Engage with Nonprofits: Partner with organizations like Habitat for Humanity for housing support.

By exploring these rental assistance programs, North Carolina residents can find the help they need to secure safe and affordable housing.