Home › Rent & mortgage help › New Jersey
Housing help · New Jersey
Rent & mortgage help in New Jersey
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.
New Jersey tenant rights →Pick New Jersey on LawHelp.org for guides and local legal help.
HUD eviction help for New Jersey →HUD's page of New Jersey eviction prevention resources.
Eviction help HUD lists for New Jersey
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 New Jersey
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 99 housing authorities in New Jersey
- Asbury Park Housing Authority Asbury Park · Section 8 + public housing
(732) 774-2660 · Email - Housing Authority and Urban Redevelopment Age Atlantic City · Section 8 + public housing
(609) 344-1107 · Email - Bayonne Housing Authority Bayonne · Section 8 + public housing
(201) 339-8700 · Email - Berkeley Housing Authority Bayville · Section 8 + public housing
(732) 269-2312 · Email - Belmar Housing Authority Belmar · Public housing
(732) 681-1795 · Email - Warren County Housing Authority Belvidere · Section 8
(908) 475-3989 · Email - Beverly Housing Authority Beverly · Public housing
(609) 387-0250 · Email - Bloomfield Township Ha Bloomfield · Section 8
(973) 680-4189 · Email - Boonton Housing Authority Boonton · Section 8 + public housing
(973) 335-0846 · Email - Brick Housing Authority Bricktown · Section 8 + public housing
(732) 920-9400 - Bridgeton Housing Authority Bridgeton · Section 8 + public housing
(856) 451-4454 · Email - Burlington Housing Authority Burlington · Public housing
(609) 386-0246 · Email - Housing Authority of the City of Camden Camden · Section 8 + public housing
(856) 968-2700 · Email - Cape May Housing Authority Cape May · Public housing
(609) 884-8703 · Email - Carteret Housing Authority Carteret · Section 8 + public housing
(732) 541-6800 - Borough of Clementon Housing Authority Clementon · Section 8 + public housing
(856) 784-1134 · Email - Cliffside Park Housing Authority Cliffside Park · Section 8
(201) 941-0655 · Email - Clifton Housing Authority Clifton · Section 8
(973) 470-5846 · Email - Collingswood Housing Authority Collingswood · Public housing
(856) 854-1077 · Email - Gloucester County Housing Authority Deptford · Section 8 + public housing
(856) 845-4959 · Email - Dover Housing Authority Dover · Section 8 + public housing
(973) 361-9444 · Email - East Orange Housing Authority East Orange · Section 8 + public housing
(973) 766-8896 · Email - Edgewater Housing Authority Edgewater · Section 8 + public housing
(201) 943-6000 · Email - Edison Housing Authority Edison · Section 8 + public housing
(908) 561-2525 · Email - Elizabeth Housing Authority Elizabeth · Section 8 + public housing
(908) 965-2400 · Email - Union County Housing Authority Elizabeth · Section 8
(732) 382-8100 · Email - Englewood Housing Authority Englewood · Section 8 + public housing
(201) 871-3451 · Email - Hunterdon County Division of Housing Flemington · Section 8
(908) 788-1336 · Email - Florence Housing Authority Florence · Public housing
(609) 499-0575 · Email - Fort Lee Housing Authority Fort Lee · Section 8 + public housing
(201) 947-7400 - Collaborative Support Programs of NJ Freehold · Section 8
(732) 780-1175 · Email - Community Enterprises Corporation Freehold · Section 8
(732) 780-1175 · Email - Freehold Housing Authority Freehold · Public housing
(732) 462-2421 - Monmouth County PHA Freehold · Section 8
(732) 431-6000 · Email - Garfield Housing Authority Garfield · Public housing
(973) 340-4170 - Glassboro Housing Authority Glassboro · Section 8 + public housing
(856) 881-5211 · Email - Gloucester City Housing Authority Gloucester City · Public housing
(856) 456-5772 · Email - Guttenberg Housing Authority Guttenberg · Section 8 + public housing
(201) 861-0900 · Email - Housing Authority of Bergen County Hackensack · Section 8
(201) 336-7600 · Email - Hamilton Township HA Hamilton · Section 8
(609) 890-3677 - Harrison Housing Authority Harrison · Public housing
(973) 483-1488 · Email - Highland Park Housing Authority Highland Park · Section 8 + public housing
(732) 572-4420 · Email - Highlands Housing Authority Highlands · Public housing
(732) 872-2022 · Email - Hightstown Housing Authority Hightstown · Public housing
(609) 448-2268 - Hoboken Housing Authority Hoboken · Section 8 + public housing
(201) 798-0370 · Email - Irvington Housing Authority Irvington · Section 8 + public housing
(973) 375-2121 - Housing Authority City of Jersey City Jersey City · Section 8 + public housing
(201) 706-4638 · Email - Keansburg Housing Authority Keansburg · Section 8
(732) 787-6151 · Email - Housing Authority of the Township of Lakewood Lakewood · Section 8 + public housing
(732) 364-1300 · Email - Lakewood Township Residential Assistance Prog Lakewood · Section 8
(732) 367-0660 · Email - Housing Authority City of Linden Linden · Section 8 + public housing
(908) 298-3820 · Email - Housing Authority of the Borough of Lodi Lodi · Section 8 + public housing
(973) 470-3650 · Email - Long Branch Housing Authority Long Branch · Section 8 + public housing
(732) 222-3747 · Email - Madison Housing Authority Madison · Section 8
(973) 377-0258 - Manville Housing Authority Manville · Section 8
(908) 725-8943 · Email - Housing Authority of the Township of Middleto Middletown · Section 8
(732) 671-2990 · Email - Millville Housing Authority Millville · Section 8 + public housing
(856) 825-8860 · Email - Buena Housing Authority Minotola · Public housing
(856) 697-4852 · Email - Montclair Housing Authority Montclair · Section 8
(973) 509-4936 · Email - Morris County Housing Authority Morristown · Section 8 + public housing
(973) 540-0389 · Email - Morristown Housing Authority Morristown · Section 8 + public housing
(973) 538-6343 · Email - Neptune Housing Authority Neptune · Section 8 + public housing
(732) 774-7692 · Email - Middlesex County New Brunswick · Section 8
(732) 745-3025 - New Brunswick Housing Authority New Brunswick · Section 8 + public housing
(732) 745-5157 · Email - Newark Housing Authority Newark · Section 8 + public housing
(973) 273-6677 · Email - Newton Housing Authority Newton · Public housing
(973) 383-5191 · Email - North Bergen Housing Authority North Bergen · Section 8 + public housing
(201) 868-8605 · Email - Ocean City Housing Authority Ocean City · Public housing
(609) 399-1062 · Email - Old Bridge Housing Authority Old Bridge · Section 8
(732) 607-6383 · Email - Housing Authority of the City of Orange Orange · Section 8 + public housing
(973) 675-1250 · Email - Housing Authority of the City of Passaic Passaic · Section 8 + public housing
(973) 365-6330 · Email - Paterson Housing Authority Paterson · Section 8 + public housing
(973) 345-5650 · Email - Penns Grove Housing Authority Penns Grove · Section 8 + public housing
(856) 299-0101 · Email - Perth Amboy Housing Authority Perth Amboy · Section 8 + public housing
(732) 826-3110 · Email - Phillipsburg Housing Authority Phillipsburg · Section 8 + public housing
(908) 859-0122 · Email - Plainfield Housing Authority Plainfield · Section 8 + public housing
(908) 769-6335 - Pleasantville Housing Authority Pleasantville · Section 8 + public housing
(609) 646-3023 · Email - Princeton Housing Authority Princeton · Public housing
(609) 924-3448 - Rahway Housing Authority Rahway · Section 8 + public housing
(732) 499-0066 · Email - Housing Authority of the Borough of Red Bank Red Bank · Section 8 + public housing
(732) 741-1808 · Email - Salem Housing Authority Salem · Section 8 + public housing
(856) 935-5022 · Email - Sayreville Housing Authority Sayreville · Section 8
(732) 721-8044 · Email - Secaucus Housing Authority Secaucus · Section 8 + public housing
(201) 867-2957 · Email - Franklin Township Housing Authority Somerset · Section 8 + public housing
(732) 545-9430 · Email - Somerville Housing Authority Somerville · Section 8
(908) 725-2300 · Email - South Amboy Housing Authority South Amboy · Section 8 + public housing
(732) 721-1831 · Email - Summit Housing Authority Summit · Public housing
(908) 273-6413 · Email - State of Nj Dept. of Comm. Affairs Trenton · Section 8
(609) 633-6204 · Email - Trenton Housing Authority Trenton · Public housing
(609) 278-5042 - Union Township Housing Authority Union · Section 8
(973) 761-0059 - Union City Housing Authority Union City · Section 8 + public housing
(201) 864-1515 · Email - Vineland Housing Authority Vineland · Section 8 + public housing
(856) 691-4099 · Email - Passaic County Public Housing Agency Wayne · Section 8
(973) 881-4370 · Email - Weehawken Housing Authority Weehawken · Section 8 + public housing
(201) 348-4188 · Email - West New York Housing Authority West New York · Section 8 + public housing
(201) 868-6100 · Email - West Orange Housing Authority West Orange · Section 8
(973) 325-4107 · Email - Haddon Housing Authority Westmont · Public housing
(856) 854-3700 · Email - Wildwood Housing Authority Wildwood · Public housing
(856) 265-6207 · Email - Woodbridge Housing Authority Woodbridge · Section 8
(732) 634-2750 · 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 New Jersey links above, and ask your counselor what's open now.
33 HUD-approved housing counselors in New Jersey
- Neighborhood Housing Services of Camden, INC Camden · English, Spanish, Vietnamese
(856) 541-0720 · Email · Website - Parkside Business and Community in Partnership, INC. Camden · English
(856) 964-0440 · Email · Website - St. Joseph's Carpenter Society Camden · English, Spanish
(856) 966-8117 · Email · Website - Cccs of Delaware Valley, INC. Dba Clarifi Cherry Hill · English
(800) 989-2227 · Email · Website - Housing Partnership for Morris County Dover · English
(973) 659-9222 · Website - Puerto Rican Action Board, INC. East Brunswick · English, Spanish
(732) 832-7535 · Email · Website - Affordable Housing Alliance, INC. Eatontown · Cze, English, Polish, Russian, Spanish
(732) 389-2958 · Email · Website - Urban League of Union County Elizabeth · English
(908) 351-7200 · Website - County of Bergen, Department of Human Services, Division of Senior Services Hackensack · English
(201) 336-7400 · Website - Fair Housing Council of Northern New Jersey Hackensack · English
(201) 489-3552 · Website - The Waterfront Project, INC. Jersey City · Arabic, Khmer, Can, Chinese, Cre, Cze, English, Farsi, French, German, Hindi,…
(551) 256-7578 · Email · Website - NEIGHBORHOODS FOR A SUSTAINABLE FUTURE fka NHS of Staten Island Linden · English
(908) 808-4035 · Email · Website - Navicore Solutions Manalapan · English, Spanish
(732) 409-6281 · Email · Website - Navicore Solutions - Manalapan, NJ Manalapan · English, Spanish
(732) 409-6281 · Email · Website - Consumer Credit and Budget Counseling, Dba National Foundation for Debt Management Marmora · English, Spanish
(609) 390-9652 · Email · Website - Consumer Credit and Budget Counseling, Dba National Foundation for Debt Management Montclair · English, Spanish
(727) 755-8558 · Email - Operation Hope- Camden Nj Branch Mount Laurel · English
(267) 539-8535 · Email · Website - Catholic Charities of the Archdiocese of Newark Newark · English, Spanish
(973) 596-4100 · Email · Website - New Jersey Citizen Action Newark · English, Spanish
(973) 643-8800 · Email · Website - Nsc (naca Counseling Subsidiary) - Newark, NJ Newark · English, Oth, Spanish
(973) 679-2601 · Email · Website - Tri-City Peoples Corporation Newark · English
(097) 367-5448 · Email · Website - Urban League of Essex County Newark · English
(973) 624-9535 · Website - Housing Authority of the City of Paterson Paterson · English
(973) 345-5085 · Website - Paterson Task Force for Community Action, INC Paterson · English
(973) 279-2333 · Email · Website - Puerto Rican Association for Human Development, INC. Perth Amboy · English
(732) 638-2824 · Email - The Housing Authority of the City of Perth Amboy Perth Amboy · English, Oth, Spanish
(732) 826-3110 · Email · Website - Credit.org - New Jersey Branch Roseland · English, Oth, Spanish
(800) 431-8157 · Email · Website - Central Jersey Housing Resource Center, INC. Somerville · English, Spanish
(908) 446-0036 · Email · Website - Ocean, INC. (ocean Community Economic Action Now, INC.) Toms River · English, Spanish
(732) 244-5333 · Email · Website - Housing & Community Development Network of New Jersey Trenton · English
(917) 974-5922 · Email · Website - Isles, Incorporated Trenton · Can, English, Spanish
(609) 341-4700 · Email · Website - North Hudson Community Action Corporation Union City · English
(201) 210-0100 · Website - Financial Wellness Institute INC Woodbury · English
(856) 251-0311 · 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
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 →