Housing help · Kentucky

Rent & mortgage help in Kentucky

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. Kentucky tenant rights →Pick Kentucky on LawHelp.org for guides and local legal help. HUD eviction help for Kentucky →HUD's page of Kentucky eviction prevention resources.

Eviction help HUD lists for Kentucky

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 Kentucky

MyKY.info

From HUD's Rental Help: Kentucky page. Watch out for anyone who charges a fee to "help" you apply for rent assistance. Real programs are free.

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 117 housing authorities in Kentucky

Housing Authority of Albany Albany · Public housing
(606) 387-7708 · Email
Ashland Planning and CDA Ashland · Section 8
(606) 385-3317 · Email
Housing Authority of Ashland Ashland · Public housing
(606) 325-7112 · Email
Cumberland Valley Regional Housing Authority Barbourville · Section 8
(606) 546-9324 · Email
Housing Authority of Barbourville Barbourville · Public housing
(606) 546-3567 · Email
Housing Authority of Bardstown Bardstown · Section 8 + public housing
(502) 348-3525 · Email
Housing Authority of Beattyville Beattyville · Public housing
(606) 464-8471 · Email
Housing Authority of Beaver Dam Beaver Dam · Public housing
(270) 274-7504 · Email
Housing Authority of Benton Benton · Public housing
(270) 527-3626 · Email
Housing Authority of Berea Berea · Public housing
(859) 986-4436 · Email
City of Bowling Green Housing Division Bowling Green · Section 8
(270) 393-3715 · Email
Housing Authority of Bowling Green Bowling Green · Public housing
(270) 843-6071 · Email
Housing Authority of Burkesville Burkesville · Public housing
(270) 864-5111 · Email
Boone County Fiscal Court Burlington · Section 8
(859) 334-2105 · Email
Housing Authority of Cadiz Cadiz · Public housing
(270) 522-3916 · Email
Campbellsville Housing and Redevelopment Authority Campbellsville · Section 8 + public housing
(270) 465-3576 · Email
Housing Authority of Carrollton Carrollton · Public housing
(502) 732-4330 · Email
Housing Authority of Catlettsburg Catlettsburg · Public housing
(606) 739-6851 · Email
Housing Authority of Central City Central City · Public housing
(270) 754-2521 · Email
Housing Authority of Columbia Columbia · Public housing
(270) 384-2271 · Email
Housing Authority of Corbin Corbin · Public housing
(606) 528-5104 · Email
Housing Authority of Covington Covington · Section 8 + public housing
(859) 292-2145 · Email
Housing Authority of Cumberland Cumberland · Public housing
(606) 589-4600 · Email
Housing Authority of Cynthiana Cynthiana · Section 8 + public housing
(859) 234-5388 · Email
Danville Community Development Agency Danville · Section 8
(859) 236-0039 · Email
Housing Authority of Danville Danville · Public housing
(859) 236-6116 · Email
Housing Authority of Dawson Springs Dawson Springs · Public housing
(270) 797-2512 · Email
Housing Authority of Dayton Dayton · Public housing
(859) 491-7749 · Email
Housing Authority of Dry Ridge Dry Ridge · Public housing
(859) 824-4432 · Email
Housing Authority of Lyon County Eddyville · Public housing
(270) 388-7108 · Email
Housing Authority of Elizabethtown Elizabethtown · Public housing
(270) 765-2092 · Email
Housing Authority of Eminence Eminence · Public housing
(502) 845-4769 · Email
Housing Authority of Falmouth Falmouth · Public housing
(859) 654-8492 · Email
Housing Authority of Flemingsburg Flemingsburg · Public housing
(606) 845-1651 · Email
Housing Authority of Frankfort Frankfort · Section 8 + public housing
(502) 223-2148 · Email
Kentucky Housing Corporation-State Agency Frankfort · Section 8
(502) 564-7630 · Email
Housing Authority of Franklin Franklin · Public housing
(270) 586-8500 · Email
Housing Authority of Fulton Fulton · Public housing
(270) 472-1115 · Email
Housing Authority of Georgetown Georgetown · Section 8 + public housing
(502) 863-3773 · Email
Housing Authority of Glasgow Glasgow · Section 8 + public housing
(270) 651-3859 · Email
Housing Authority of Greensburg Greensburg · Section 8 + public housing
(270) 932-4296 · Email
Housing Authority of Greenville Greenville · Public housing
(270) 338-5900 · Email
Housing Authority of Todd County Guthrie · Public housing
(270) 483-9750 · Email
Housing Authority of Harlan Harlan · Public housing
(606) 573-5800 · Email
Housing Authority of Harrodsburg Harrodsburg · Public housing
(859) 734-4447 · Email
Housing Authority of Hazard Hazard · Public housing
(606) 436-5741 · Email
Housing Authority of Henderson Henderson · Section 8 + public housing
(270) 827-1294 · Email
Housing Authority of Hickman Hickman · Public housing
(270) 236-2888 · Email
Housing Authority of Knott County Hindman · Public housing
(859) 276-5388 · Email
Housing Authority of Hodgenville Hodgenville · Public housing
(270) 358-4705 · Email
Housing Authority of Hopkinsville Hopkinsville · Section 8 + public housing
(270) 887-4275 · Email
Housing Authority of Horse Cave Horse Cave · Public housing
(270) 786-2481 · Email
Housing Authority of Irvine Irvine · Public housing
(606) 723-3116 · Email
Housing Authority of Irvington Irvington · Public housing
(270) 547-7648 · Email
Housing Authority of Jackson Jackson · Public housing
(606) 666-2859 · Email
Lake Cumberland Housing Agency Inc Jamestown · Section 8
(270) 343-4740 · Email
Housing Authority of Lancaster Lancaster · Public housing
(859) 792-3813 · Email
Housing Authority of Floyd County Langley · Section 8 + public housing
(606) 285-3833 · Email
Housing Authority of Lebanon Lebanon · Section 8 + public housing
(270) 692-3481 · Email
Housing Authority of Lexington Lexington · Section 8 + public housing
(859) 281-5060 · Email
Housing Authority of Liberty Liberty · Public housing
(606) 787-7821 · Email
Housing Authority of London London · Public housing
(606) 864-5474 · Email
Laurel County Section 8 Housing London · Section 8
(606) 878-0512 · Email
HA of Lawrence County Louisa · Section 8 + public housing
(606) 638-9414 · Email
Louisville Metro Housing Authority Louisville · Section 8 + public housing
(502) 569-3400 · Email
Housing Authority of Madisonville Madisonville · Section 8 + public housing
(270) 821-5517 · Email
Housing Authority of Manchester Manchester · Public housing
(606) 598-3884 · Email
Housing Authority of Martin Martin · Public housing
(606) 285-3681 · Email
Housing Authority of Mayfield Mayfield · Section 8 + public housing
(270) 247-6391 · Email
Housing Authority of Maysville Maysville · Section 8 + public housing
(606) 564-4409 · Email
Housing Authority of McKee Mc Kee · Public housing
(606) 287-8777 · Email
Housing Authority of Middlesborough Middlesboro · Public housing
(606) 248-1940 · Email
Housing Authority of Monticello Monticello · Public housing
(606) 348-6286 · Email
Housing Authority of Morehead Morehead · Public housing
(606) 784-4314 · Email
Housing Authority of Morganfield Morganfield · Public housing
(270) 631-0733 · Email
Housing Authority of Morgantown Morgantown · Public housing
(270) 526-3873 · Email
Housing Authority of Mount Sterling Mount Sterling · Public housing
(859) 498-5592 · Email
Housing Authority of Mount Vernon Mount Vernon · Public housing
(606) 256-4185 · Email
Housing Authority of Murray Murray · Public housing
(270) 753-5000 · Email
Campbell County Department of Housing Newport · Section 8
(859) 261-5200 · Email
Housing Authority of Newport Newport · Section 8 + public housing
(859) 581-2533 · Email
Housing Authority of Nicholasville Nicholasville · Public housing
(859) 885-4324 · Email
Housing Authority of Olive Hill Olive Hill · Public housing
(606) 286-4721 · Email
Housing Authority of Owensboro Owensboro · Section 8 + public housing
(270) 683-5365 · Email
Housing Authority of Owingsville Owingsville · Public housing
(606) 784-4314 · Email
Housing Authority of Paducah Paducah · Section 8 + public housing
(270) 443-3634 · Email
Housing Authority of Paintsville Paintsville · Section 8 + public housing
(606) 789-1782 · Email
Housing Authority of Paris Paris · Public housing
(859) 987-2575 · Email
Paris-Bourbon County Community Dev. Agency Paris · Section 8
(859) 987-1970 · Email
Housing Authority of Pikeville Pikeville · Section 8 + public housing
(606) 432-8124 · Email
Pike County Housing Authority Pikeville · Section 8
(606) 432-4178 · Email
Housing Authority of McCreary County Pine Knot · Public housing
(606) 354-2200 · Email
Housing Authority of Pineville Pineville · Public housing
(606) 337-2900 · Email
Pineville/Bell County Community Dev Agency Pineville · Section 8
(606) 337-7074 · Email
Housing Authority of Prestonsburg Prestonsburg · Section 8 + public housing
(606) 886-2717 · Email
Housing Authority of Princeton Princeton · Public housing
(270) 365-5769 · Email
Housing Authority of Providence Providence · Public housing
(270) 667-5786 · Email
Housing Authority of Radcliff Radcliff · Public housing
(270) 351-6772 · Email
City of Richmond Section 8 Housing Program Richmond · Section 8
(859) 353-5501 · Email
Housing Authority of Richmond Richmond · Public housing
(859) 623-1321 · Email
Housing Authority of Russellville Russellville · Public housing
(270) 726-7579 · Email
Housing Authority of Salyersville/Magoffin Co. Salyersville · Public housing
(606) 349-6554 · Email
Housing Authority of Scottsville Scottsville · Public housing
(270) 237-4062 · Email
Housing Authority of Shelbyville Shelbyville · Public housing
(502) 633-4531 · Email
Housing Authority of Somerset Somerset · Section 8 + public housing
(606) 679-1332 · Email
Housing Authority of Springfield Springfield · Section 8 + public housing
(859) 336-7645 · Email
Stanford Housing Authority Stanford · Public housing
(606) 365-7874 · Email
Housing Authority of Stanton Stanton · Public housing
(606) 663-2625 · Email
Sturgis Housing Authority Sturgis · Public housing
(270) 333-4231 · Email
Housing Authority Vanceburg Vanceburg · Public housing
(606) 796-2241 · Email
Housing Authority of Versailles Versailles · Public housing
(859) 873-5351 · Email
Housing Authority of Martin County Warfield · Public housing
(606) 395-5575 · Email
Housing Authority of Whitesburg Whitesburg · Public housing
(606) 633-7144 · Email
Housing Authority of Williamsburg Williamsburg · Public housing
(606) 549-0282 · Email
Housing Authority of Williamstown Williamstown · Public housing
(859) 823-1511 · Email
Housing Authority of Winchester Winchester · Public housing
(859) 744-2960 · Email
Appalachian Foothills Housing Agency Inc Wurtland · Section 8
(606) 836-0911 · 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 Kentucky links above, and ask your counselor what's open now.

19 HUD-approved housing counselors in Kentucky

Housing Assistance and Development Services, INC. Bowling Green · English
(270) 796-4176 · Email · Website
Kentucky Legal Aid Bowling Green · English, Spanish
(270) 782-1924 · Email
Live the Dream Development, INC Bowling Green · English
(270) 843-6071
Catholic Charities, Diocese of Covington Covington · English, Spanish
(859) 581-8974 · Email · Website
Legal Aid of the Bluegrass Covington · English, Spanish
(859) 431-8200 · Email · Website
Kceoc Community Action Partnership, INC. Gray · English
(606) 546-3152 · Email · Website
Kentucky Legal Aid, Incorporated Hopkinsville · English, Spanish
(270) 782-5740 · Email · Website
Apprisen - Lexington Lexington · English
(800) 355-2227 · Email · Website
Community Ventures Corporation Lexington · English
(859) 231-0054
Reach, INC. Lexington · English, Spanish
(859) 455-8057 · Email · Website
Apprisen - Cccs of the Midwest - Louisville Louisville · English
(800) 355-2227 · Email · Website
Louisville Urban League Louisville · English
(502) 585-4622 · Website
The Housing Partnership, INC Louisville · English
(502) 585-5451 · Website
Kentucky Legal Aid, Incorporated Madisonville · English, Spanish
(270) 782-5740 · Email · Website
Frontier Housing , INC. Morehead · English
(606) 784-2131 · Email · Website
Brighton Center, Incorporated Newport · English, Portuguese, Spanish
(859) 491-8303 · Email · Website
Kentucky Legal Aid, Incorporated Owensboro · English, Spanish
(270) 782-5740 · Email · Website
Kentucky Legal Aid, Incorporated Paducah · English, Spanish
(270) 782-5740 · Email · Website
Appalachian Research and Defense Fund of Kentucky Prestonsburg · English, Spanish
(866) 277-5733 · Email · Website

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

See all 50 states and DC →

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 →