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Housing help · Florida
Rent & mortgage help in Florida
Behind on rent, facing eviction, or worried about your mortgage? Start with the section that fits you. Everything here is free.
Links last checked October 26, 2026. Programs open and close, so confirm before you apply.
Call 211Or text your ZIP code to 898-211. Free, 24/7 in most areas: local rent, utility and food help.
HUD counseling line: (800) 569-4287Connects you to a HUD-approved housing counselor, free or low-cost.
Act fast
Got an eviction notice?
- Don't ignore it, and don't move out yet. Read every date on the notice. In most cases a landlord has to go through the court to make you leave, and you have the right to respond.
- Go to your court date. If you miss it, you can lose automatically.
- Get free legal help today. Legal aid offices help low-income tenants for free, and having a lawyer can change the outcome. Use the legal aid finders below.
- Apply for rent help at the same time. Some programs can pay back rent so the case gets dropped. Tell them you have an eviction case, since some programs put those first.
- Keep records. Save every notice, receipt, text and email with your landlord.
Find free legal aid →Legal Services Corporation's map of legal aid offices.
Florida tenant rights →Pick Florida on LawHelp.org for guides and local legal help.
HUD eviction help for Florida →HUD's page of Florida eviction prevention resources.
Eviction help HUD lists for Florida
Get caught up
Behind on rent
- Call 211 (or text your ZIP code to 898-211). Tell them how much you owe and by when. They know which local programs have money right now.
- Contact your community action agency. These local nonprofits often hand out emergency rent and utility money. Find yours by ZIP →
- Talk to your landlord early, before the rent is late if you can. Ask for a payment plan in writing. Use our script →
- Free up money from other bills. Utility help and SNAP food benefits can leave more for rent. National Energy Assistance Referral line: (866) 674-6327.
Programs HUD lists for Florida
Longer term
Need cheaper housing
Housing authorities run two big programs. Section 8 (Housing Choice Vouchers) helps pay rent for a home you find. Public housing is apartments they own. Rent is usually about 30% of your income.
- Waitlists are often long or closed. Apply to more than one housing authority. Many let you apply even if you don't live in their area.
- Keep your contact info updated with every list you're on. If they can't reach you when your name comes up, you can lose your spot.
- Ask each office about other programs. Some have shorter waits for seniors, people with disabilities, or veterans.
All 97 housing authorities in Florida
- Housing Authority of the City of Apalachicola Apalachicola · Public housing
(850) 653-9304 · Email - Arcadia Housing Authority Arcadia · Public housing
(863) 494-4343 · Email - Housing Authority of Avon Park Avon Park · Public housing
(863) 452-4432 · Email - Housing Authority of Bartow Bartow · Section 8 + public housing
(863) 533-6311 · Email - Ha Boca Raton Boca Raton · Section 8 + public housing
(561) 206-6200 · Email - Holmes County Housing Authority Bonifay · Section 8
(850) 547-1111 · Email - Housing Authority of the City of Bradenton Bradenton · Section 8 + public housing
(941) 748-5568 · Email - Manatee County Housing Authority Bradenton · Section 8 + public housing
(941) 756-3974 · Email - North Central Florida Regional Housing Agency Bronson · Section 8 + public housing
(352) 486-5420 · Email - Brooksville Housing Authority Brooksville · Public housing
(352) 754-4160 · Email - Hernando County Housing Authority Brooksville · Section 8
(352) 754-4160 · Email - Housing Authority of the County of Flagler Bunnell · Section 8 + public housing
(386) 437-3221 · Email - Chipley Housing Authority Chipley · Public housing
(850) 638-0134 · Email - Clearwater Housing Authority Clearwater · Section 8 + public housing
(727) 461-5777 · Email - Housing Authority of the City of Cocoa Cocoa · Section 8 + public housing
(321) 636-8535 · Email - Crestview Housing Authority Crestview · Section 8 + public housing
(850) 682-2413 · Email - Pasco County Housing Authority Dade City · Section 8 + public housing
(352) 567-0848 · Email - Dania Beach Housing Authority Dania Beach · Section 8 + public housing
(954) 920-9662 · Email - Housing Authority of City of Daytona Beach Daytona Beach · Section 8 + public housing
(386) 253-5653 · Email - Housing Authority of the City of Deerfield Beach Deerfield Beach · Section 8 + public housing
(954) 428-0678 · Email - DeFuniak Springs Housing Authority Defuniak Springs · Public housing
(850) 892-2823 · Email - Walton County Housing Authority Defuniak Springs · Section 8
(850) 892-8185 · Email - County of Volusia Dept. of Community Services Deland · Section 8
(386) 740-5112 · Email - DeLand Housing Authority Deland · Section 8 + public housing
(386) 734-2564 · Email - Delray Beach Housing Authority Delray Beach · Section 8 + public housing
(561) 272-6766 · Email - Housing Authority of the City of Eustis Eustis · Public housing
(352) 357-4851 · Email - Housing Authority of City of Fernandina Beach Fernandina Beach · Section 8 + public housing
(904) 261-5051 · Email - Housing Authority of the City of Fort Lauderdale Fort Lauderdale · Section 8 + public housing
(954) 525-6444 · Email - Housing Authority of the City of Fort Myers Fort Myers · Section 8 + public housing
(239) 344-3220 · Email - Housing Authority of the City of Fort Pierce Fort Pierce · Section 8 + public housing
(772) 461-7281 · Email - Fort Walton Beach Housing Authority Fort Walton Beach · Section 8 + public housing
(850) 243-3224 · Email - Alachua County Gainesville · Section 8 + public housing
(352) 372-2549 · Email - Gainesville Housing Authority Gainesville · Section 8 + public housing
(352) 872-5502 · Email - Northwest Florida Regional Housing Authority Graceville · Section 8 + public housing
(850) 263-5303 · Email - Hialeah Housing Authority Hialeah · Section 8 + public housing
(305) 888-9744 · Email - Hollywood Housing Authority Hollywood · Section 8 + public housing
(954) 989-4691 · Email - Housing Authority of the City of Homestead Homestead · Section 8
(305) 247-0639 · Email - Collier County Housing Authority Immokalee · Section 8
(239) 657-3649 · Email - Jacksonville Housing Authority Jacksonville · Section 8 + public housing
(904) 630-3810 · Email - Housing Authority of the City of Key West Key West · Section 8 + public housing
(305) 296-5621 · Email - Monroe County Housing Authority Key West · Section 8 + public housing
(305) 296-5621 · Email - Osceola County Housing Agency Kissimmee · Section 8
(407) 742-8400 · Email - Hendry County Housing Authority Labelle · Section 8
(863) 675-5297 · Email - Union County Housing Authority Lake Butler · Public housing
(386) 496-2047 · Email - Columbia County Housing Authority Lake City · Public housing
(386) 752-4227 · Email - Lake Wales Housing Authority Lake Wales · Section 8 + public housing
(863) 676-7414 · Email - Housing Authority of the City of Lakeland Lakeland · Section 8 + public housing
(863) 687-2911 · Email - Dunedin Housing Authority Largo · Public housing
(727) 443-7684 · Email - Pinellas County Housing Authority Largo · Section 8 + public housing
(727) 443-7684 · Email - Broward County Housing Authority Lauderdale Lakes · Section 8 + public housing
(954) 739-1114 · Email - Citrus County Housing Services Lecanto · Section 8
(352) 527-7520 · Email - Housing Authority of the City of Live Oak Live Oak · Public housing
(386) 362-2123 · Email - Baker County Housing Assistance Program Macclenny · Section 8
(904) 259-3287 · Email - Macclenny Housing Authority Macclenny · Public housing
(904) 259-6881 · Email - Housing Authority of the City of Marianna Marianna · Section 8 + public housing
(850) 482-3512 · Email - Housing Authority of Brevard County Melbourne · Section 8 + public housing
(321) 775-1578 · Email - Melbourne Housing Authority Melbourne · Public housing
(321) 775-1578 · Email - Carrfour Supportive Housing, Inc. Miami · Section 8
(305) 371-8300 · Email - Miami Dade Housing and Community Dev Miami · Section 8 + public housing
(786) 469-4106 · Email - Miami Hsg Conservation Miami · Section 8
(305) 416-2080 · Email - Housing Authority of the City of Miami Beach Miami Beach · Section 8 + public housing
(305) 532-6401 · Email - Milton Housing Authority Milton · Section 8 + public housing
(850) 623-8216 · Email - Housing Authority of the City of Mulberry Mulberry · Public housing
(813) 752-0569 · Email - Housing Authority of New Smyrna Beach New Smyrna Beach · Section 8 + public housing
(386) 428-8171 · Email - Niceville Housing Authority Niceville · Public housing
(850) 678-7816 · Email - Lee County Housing Authority North Fort Myers · Section 8 + public housing
(239) 360-8038 · Email - Ocala Housing Authority Ocala · Section 8 + public housing
(352) 369-2636 · Email - Orange County Housing & Community Development Orlando · Section 8
(407) 836-5150 · Email - Orlando Housing Authority Orlando · Section 8 + public housing
(407) 895-3300 · Email - Ormond Beach Housing Authority Ormond Beach · Section 8 + public housing
(386) 677-2069 · Email - Seminole County Housing Authority Oviedo · Section 8 + public housing
(407) 365-3621 · Email - Pahokee Housing Authority Pahokee · Section 8 + public housing
(561) 924-5565 · Email - Palatka Housing Authority Palatka · Section 8 + public housing
(386) 329-0132 · Email - Housing Authority of Springfield Panama City · Section 8 + public housing
(850) 769-1596 · Email - Panama City Housing Authority Panama City · Section 8 + public housing
(850) 769-5278 · Email - Area Housing Commission Pensacola · Public housing
(850) 438-8561 · Email - City of Pensacola Housing Division Pensacola · Section 8
(850) 858-0350 · Email - Plant City Housing Authority Plant City · Section 8 + public housing
(813) 752-0569 · Email - Housing Authority of Pompano Beach Pompano Beach · Section 8 + public housing
(954) 785-7200 · Email - Punta Gorda Housing Authority Punta Gorda · Section 8 + public housing
(941) 639-4344 · Email - Riviera Beach Housing Authority Riviera Beach · Public housing
(561) 845-7450 · Email - The Housing Authority of the City of Sanford Sanford · Public housing
(407) 323-3150 · Email - Sarasota Housing Authority Sarasota · Section 8 + public housing
(941) 361-6210 · Email - Boley Centers, Inc. St Petersburg · Section 8
(727) 821-4819 · Email - Housing Authority of the City of St. Petersburg St Petersburg · Section 8 + public housing
(727) 323-3171 · Email - Housing Authority of the City of Stuart Stuart · Section 8 + public housing
(772) 287-0496 · Email - Tallahassee Housing Authority Tallahassee · Section 8 + public housing
(850) 385-6126 · Email - Tampa Housing Authority Tampa · Section 8 + public housing
(813) 341-9101 · Email - Tarpon Springs Housing Authority Tarpon Springs · Public housing
(727) 937-4411 · Email - Lake County Housing Agency Tavares · Section 8
(352) 742-6540 · Email - Housing Authority of the City of Titusville Titusville · Section 8 + public housing
(321) 267-4204 · Email - Venice Housing Authority Venice · Public housing
(941) 488-3526 · Email - Indian River Co Bd of Co Comm Vero Beach · Section 8
(772) 226-4360 · Email - Palm Beach County Housing Authority West Palm Beach · Section 8 + public housing
(561) 684-2160 · Email - West Palm Beach Housing Authority West Palm Beach · Section 8 + public housing
(561) 655-8530 - Winter Haven Housing Authority Winter Haven · Section 8 + public housing
(863) 294-7369 · Email - Housing Authority of the City of Winter Park Winter Park · Public housing
(407) 645-2869 · Email
Homeowners
Behind on your mortgage
- Call your mortgage servicer now, the company you send payments to, even if foreclosure has already started. Ask what options they have, such as a repayment plan, forbearance (a pause), or a loan modification.
- Talk to a free HUD-approved housing counselor. They can review your options and help you deal with the servicer. Call (800) 569-4287 or pick one below.
- Ask about state help. Your state's housing finance agency may run programs for homeowners. Check HUD's Florida links above, and ask your counselor what's open now.
98 HUD-approved housing counselors in Florida
- Habitat for Humanity Seminole County Apopka Altamonte Springs · English, Spanish
(407) 696-5855 · Email · Website - We Help Communities to Develop Corporation Belle Glade · Cre, English, French, Spanish
(561) 992-5854 · Email · Website - University of Florida/florida Cooperative Extension - Holmes County Cooperative Extension Service Bonifay · English
(850) 547-1108 · Email · Website - University of Florida/florida Cooperative Extension - Washington County Cooperative Extension Service Chipley · English
(850) 638-6265 · Email · Website - Clearwater Neighborhood Housing Services, INC. Clearwater · English
(727) 442-4155 · Email · Website - Consumer Credit and Budget Counseling, Dba National Foundation for Debt Management Clearwater · English, Spanish
(866) 395-5769 · Email · Website - TAMPA BAY CDC dba SUNCOAST HOUSING CONNECTIONS Clearwater · English
(727) 442-7075 - Starting Now Corporation Coral Springs · English
- Community Legal Services of Mid-Florida, INC. - Orlando Office Daytona Beach · English, Spanish
(386) 255-6573 · Email · Website - Halifax Urban Ministries INC Daytona Beach · English
(386) 235-8859 · Email · Website - Mid-Florida Housing Partnership, INC. Daytona Beach · English, Spanish
(386) 274-4441 · Email · Website - University of Florida/florida Cooperative Extension - Volusia County Cooperative Extension Service Deland · English, Spanish
(386) 822-5778 · Email · Website - Gateway to Housing Delray Beach · English
(561) 536-8503 · Website - Real Estate, Education and Community Housing, INC. Doral · Cre, English, Spanish
(786) 260-6821 · Email · Website - H.e.l.p. Community Development Corp. Eatonville · Cre, English, Spanish
(407) 628-4832 · Email - Homes in Partnership, INC. Eustis · English, Spanish
(407) 886-2451 · Email · Website - Centro Campesino, Farmworkers Center, INC Florida City · English, Spanish
(305) 245-7738 · Email · Website - Debt Management Credit Counseling Corp Fort Lauderdale · Cre, English, Spanish
(866) 724-3328 - Real Estate Education and Community Housing Fort Lauderdale · English, Spanish
(954) 546-0844 · Email · Website - Urban League of Broward County Fort Lauderdale · English
(954) 625-2501 · Website - Affordable Homeownership Foundation INC Fort Myers · English
(239) 689-4944 · Email · Website - Habitat for Humanity of Lee and Hendry Counties, INC. Fort Myers · English
(239) 652-4663 · Website - Lee County Housing Development Corporation Fort Myers · English, Spanish
(239) 275-5105 · Website - Neighborhood Housing & Development Corporation Gainesville · English
(352) 380-9119 · Email · Website - University of Florida/florida Cooperative Extension Gainesville · English
(352) 392-1761 · Website - Operation Hope Hialeah FL Hialeah · English, Spanish
(256) 962-5385 · Email · Website - Hispanic Unity of Florida Hollywood · English, Spanish
(754) 256-8225 · Email · Website - Operation Hope- Homestead FL Homestead · English, Spanish
(786) 326-6172 · Email · Website - Community Legal Services of Mid-Florida, INC. - Inverness Office Inverness · English, Spanish
(386) 255-6573 · Email · Website - Credit.org - Jacksonville, Fl Branch Jacksonville · English, Spanish
(800) 431-8157 · Email · Website - Jacksonville Area Legal Aid, INC. Jacksonville · Sign language, Cre, English, French, Hindi, Spanish
(904) 356-8371 · Email · Website - Nsc (naca Counseling Subsidiary) - Jacksonville, FL Jacksonville · English, Spanish
(904) 306-9272 · Email · Website - Wealth Watchers, INC Jacksonville · English
(904) 265-4736 · Website - Community Legal Services of Mid-Florida, INC. - Kissimmee Office Kissimmee · English, Spanish
(386) 255-6573 · Email · Website - University of Florida/florida Cooperative Extension - Osceola County Cooperative Extension Service Kissimmee · English, Spanish
(321) 697-3000 · Email · Website - Housing Foundation of America - Lake Worth Florida Lake Worth · English
(561) 713-1457 · Website - Housing and Neighborhood Development Services of Central Florida, INC. Lakeland · English, Spanish
(863) 682-1025 · Email · Website - Broward County Housing Authority Lauderdale Lakes · English
(954) 739-1114 · Website - Nid-Hca Mclennon Lauderhill · English
(954) 806-8873 · Email · Website - University of Florida/florida Cooperative Extension - Citrus County Cooperative Extension Service Lecanto · English
(352) 527-5700 · Email · Website - Community Housing Initiative, INC Melbourne · English
(321) 253-0053 · Website - Cuban American National Council, INC. - Miami Miami · English, Spanish
(305) 642-3484 · Email · Website - Little Haiti Housing Association, INC. Miami · Cre, English, French, Spanish
(786) 230-3785 · Email · Website - Neighborhood Housing Services of South Florida Miami · Cre, English, Spanish
(305) 751-5511 · Email · Website - Trinity Empowerment Consortium, INC. Miami · English
(305) 248-4553 - Nid-Hca Florida Felton Miami Gardens · Cre, English, Spanish
(305) 652-7616 · Email · Website - Housing Development Corporation of SW Florida, INC. Naples · English
(239) 434-2397 · Website - Tampa Bay CDC Dba Suncoast Housing Connections New Port Richey · English
(727) 442-7075 · Email · Website - Housing Foundation of America North Miami · English
(786) 842-3843 · Website - Nsc (naca Counseling Subsidiary) - N. Miami, FL North Miami · English, Spanish
(305) 341-0791 · Email · Website - Neighborhood Housing Services of South Florida- Broward County Oakland Park · English, Spanish
(305) 751-5511 · Email · Website - Community Legal Services of Mid-Florida, INC. - Ocala Office Ocala · English, Spanish
(386) 255-6573 · Email · Website - Ocala Housing Authority Ocala · English
(352) 369-2636 · Email · Website - Opa-Locka Community Development Corporation Opa Locka · English
(305) 687-3545 · Email · Website - Catholic Charities of Central Florida Orlando · Cre, English, Spanish
(407) 658-1818 · Email · Website - Community Legal Services of Mid-Florida, INC. Orlando · English, Spanish
(386) 255-6573 · Email · Website - Greenpath Financial Wellness Orlando · English, Spanish
(813) 374-2251 · Email · Website - Habitat for Humanity Greater Orlando and Osceola County INC Orlando · English, Spanish
(407) 648-4567 · Website - Incharge Debt Solutions Orlando · Cre, English, Spanish
(877) 712-6040 · Email · Website - Nid-Hca Apopka Orlando · English
(407) 814-3016 · Email · Website - Nid-Hca Orlando Orlando · English
(888) 869-0422 · Email · Website - Nsc (naca Counseling Subsidiary) - Orlando, FL Orlando · English, Spanish
(847) 704-6222 · Email · Website - Operation Hope - Orlando Branch Orlando · English
(863) 777-9355 · Email · Website - Community Legal Services of Mid-Florida, INC. - Palatka Office Palatka · English, Spanish
(386) 255-6573 · Email · Website - City of Panama City Community Development Corporation Panama City · English
(850) 872-7231 - Housing Foundation of America Pembroke Pines · English
(954) 923-5001 · Website - Housing Foundation of America Pembroke Pines · English, Spanish
(954) 923-5001 · Email · Website - Community Enterprise Investments, Incorporated Pensacola · English
(850) 595-6234 · Email · Website - Pensacola Habitat for Humanity Pensacola · English
(850) 434-5456 · Website - Consolidated Credit Solutions, INC. Plantation · Cre, English, Spanish
(800) 435-2261 · Email · Website - Oasis of Hope CDC Pompano Beach · English, Spanish
(954) 586-1283 · Website - Housing Partnership, INC. Riviera Beach · Cre, English, Spanish
(561) 841-3500 · Email · Website - Florida Home Partnership INC Ruskin · English, Spanish
(813) 672-7860 · Email · Website - Florida Home Partnership INC Ruskin · English, Spanish
(813) 672-7860 · Email · Website - Community Legal Services of Mid-Florida, INC. - Sanford Office Sanford · English, Spanish
(386) 255-6573 · Email · Website - Rooted Communities, INC. Sarasota · English
(941) 809-2231 · Email - Step Up Suncoast, INC. F/k/a Manatee Community Action Agency, INC. Sarasota · English, Spanish
(941) 827-0118 · Website - Florida Non-Profit Housing INC Sebring · English, Spanish
(863) 385-2519 · Email · Website - St. Johns County Board of County Commissioners St Augustine · English
(904) 209-6062 · Website - St. Petersburg Neighborhood Housing Services, Inc.dba Neighborhood Home Solutions St Petersburg · English
(727) 821-6897 · Website - Debt Management Credit Counseling Corp. Stuart · Cre, English, Spanish
(866) 618-3328 · Email · Website - Tallahassee Lenders Consortium, INC. Tallahassee · English
(850) 222-6609 · Website - Tallahassee Urban League, INC Tallahassee · English, Spanish
(850) 222-6111 · Email · Website - City of Tampa Housing and Community Development Division Tampa · English
(813) 274-7992 · Website - Housing and Education Alliance Tampa · English, Spanish
(813) 932-4663 · Email · Website - Nsc (naca Counseling Subsidiary) - Tampa, FL Tampa · English, Portuguese, Spanish
(813) 287-5051 · Website - Operation Hope- Tampa Tampa · English, Spanish
(813) 867-9658 · Email · Website - Real Estate Education and Community Housing, INC. Tampa · English, Spanish
(561) 491-1670 · Email · Website - Solita's House INC Tampa · English, Spanish
(813) 425-4847 · Email · Website - Community Legal Services of Mid-Florida, INC. - Tavares Office Tavares · English, Spanish
(386) 255-6573 · Email · Website - Credit Card Mgmt Svcs, INC Dba Reversemortgagehelper.org and Debthelper.com West Palm Beach · English, Spanish
(561) 472-8000 · Email · Website - Real Estate, Education and Community Housing, INC. West Palm Beach · Cre, English, Spanish
(561) 491-1670 · Email · Website - Urban League of Palm Beach County, INC. West Palm Beach · English, Spanish
(561) 833-1461 · Website - West Palm Beach Housing Authority West Palm Beach · English
(561) 655-8530 · Website - Housing Foundation of America, Ft. Lauderdale Branch Wilton Manors · English
(954) 923-5001 · Website - Housing Foundation of America, Lauderhill Florida Wilton Manors · English
(954) 923-5001 · Website - Centro de Ayuda Para Los Hispanos, INC. Winter Park · English
(407) 249-0532 · Email - Consumer Debt Counselors, INC Winter Park · English
(800) 820-9232
Foreclosure rescue scams target people in your spot. The FTC warns:
- It's illegal for a company to charge you anything until you have a written offer from your lender that you accept.
- Never sign your home's deed over to anyone. You likely won't get it back, and you still owe the mortgage.
- Anyone who tells you to stop talking to your lender or counselor, or guarantees results, is a red flag.
Near you
Free help near you
HUD-approved housing counselors give free or low-cost help with rent, budgets and avoiding foreclosure. Housing authorities run Section 8 vouchers and public housing.
More official finders
Free legal aid →Legal Services Corporation's map of free legal aid offices. Enter your address.
Your state's legal help site →LawHelp.org: tenant rights guides and legal aid by state.
Community action agency →Local nonprofits that often have emergency rent and utility money. Search by ZIP.
Housing counselor finder →The CFPB's search of HUD's official counselor list.
Other states
Help in another state
Need help right now? Dial 211 or text your ZIP code to 898-211 for local food, rent, and utility help, 24/7 in most areas. More free help →