Rent & mortgage help in North Carolina

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

Eviction help HUD lists for North Carolina

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 North Carolina

From HUD's Rental Help: North Carolina 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 123 housing authorities in North Carolina

Ahoskie Housing Authority Ahoskie · Public housing
(252) 332-4104 · Email
City of Albemarle Department of Public Housing Albemarle · Section 8 + public housing
(704) 984-9580 · Email
Andrews Housing Authority Andrews · Public housing
(828) 321-5257 · Email
Four Square Community Action, Inc. Andrews · Section 8
(828) 321-4475 · Email
Asheboro Housing Authority Asheboro · Section 8 + public housing
(336) 629-4146 · Email
Housing Authority of the City of Asheville Asheville · Section 8 + public housing
(828) 239-3513 · Email
Ayden Housing Authority Ayden · Public housing
(252) 746-2021 · Email
Housing Authority of the Town of Beaufort Beaufort · Public housing
(252) 728-3226 · Email
Belmont Housing Authority Belmont · Public housing
(704) 825-9376 · Email
Benson Housing Authority Benson · Public housing
(919) 894-4710 · Email
Bladen Housing Authority Bladenboro · Public housing
(910) 863-4919 · Email
Bladenboro Housing Authority Bladenboro · Section 8 + public housing
(910) 863-4919 · Email
Brunswick County Public Housing Agency Bolivia · Section 8
(910) 253-2222
Northwestern Regional Housing Authority Boone · Section 8 + public housing
(828) 264-6683
Brevard Housing Authority Brevard · Public housing
(828) 239-3513 · Email
Pender County Housing Department Burgaw · Section 8
(910) 259-1468 · Email
Burlington Housing Authority Burlington · Public housing
(336) 226-8421 · Email
Town of Chapel Hill Department of Housing Chapel Hill · Public housing
(919) 968-2850 · Email
Inlivian Charlotte · Section 8 + public housing
(704) 336-5183
Housing Authority of the City of Concord Concord · Section 8 + public housing
(704) 920-6109 · Email
Dunn Housing Authority Dunn · Public housing
(910) 892-5076 · Email
The Housing Authority of the City of Durham Durham · Section 8 + public housing
(919) 683-1551 · Email
Town of East Spencer Housing Authority East Spencer · Section 8
(704) 637-2284 · Email
Economic Improvement Council, Inc. Edenton · Section 8
(252) 482-4458
The New Edenton Housing Authority Edenton · Public housing
(252) 482-8164 · Email
Elizabeth City Housing Authority Elizabeth City · Public housing
(252) 335-5411 · Email
Fairmont Housing Authority Fairmont · Public housing
(910) 628-7467 · Email
Farmville Housing Authority Farmville · Public housing
(252) 753-5347 · Email
Fayetteville Metropolitan Housing Authority Fayetteville · Section 8 + public housing
(910) 483-3648 · Email
Forest City Housing Authority Forest City · Public housing
(828) 245-1390 · Email
Macon Program For Progress Franklin · Section 8
(828) 524-4471 · Email
Roanoke-Chowan Regional Housing Authority Gaston · Section 8 + public housing
(252) 537-1051 · Email
Gastonia Housing Authority Gastonia · Section 8 + public housing
(704) 864-6771 · Email
Eastern Carolina Regional Housing Authority Goldsboro · Public housing
(919) 735-0435 · Email
Housing Authority of the City of Goldsboro Goldsboro · Section 8 + public housing
(919) 735-4226 · Email
The Graham Housing Authority Graham · Section 8 + public housing
(336) 229-7041 · Email
Housing Authority of the City of Greensboro Greensboro · Section 8 + public housing
(336) 275-8501 · Email
Housing Authority of the City of Greenville Greenville · Section 8 + public housing
(252) 329-4004 · Email
Mid-East Regional Housing Authority Greenville · Section 8 + public housing
(252) 689-2758 · Email
Hamlet Housing Authority Hamlet · Public housing
(910) 582-3279 · Email
Franklin-Vance-Warren Opportunity, Inc. Henderson · Section 8
(252) 492-0161 · Email
Vance County Housing Authority Henderson · Public housing
(252) 438-6127 · Email
Hendersonville Housing Authority Hendersonville · Public housing
(828) 692-6175 · Email
WNCSource Hendersonville · Section 8
(828) 693-1711 · Email
Hertford Housing Authority Hertford · Public housing
(252) 426-5663 · Email
City of Hickory Public Housing Authority Hickory · Public housing
(828) 322-9191 · Email
Western Piedmont Council of Governments Hickory · Section 8
(828) 485-4247 · Email
Housing Authority of the City of High Point High Point · Section 8 + public housing
(336) 887-2661 · Email
Orange County Housing Authority Hillsborough · Section 8
(919) 245-2490 · Email
Hot Springs Housing Authority Hot Springs · Public housing
(828) 622-3237 · Email
Eastern Carolina Human Services Agency, Inc. Jacksonville · Section 8
(910) 347-2151 · Email
Piedmont Triad Regional Council Kernersville · Section 8
(336) 904-0334 · Email
Kings Mountain Redevelopment Commission Kings Mountain · Public housing
(704) 476-8356
Housing Authority of the City of Kinston Kinston · Section 8 + public housing
(252) 523-1195 · Email
Housing Authority of the Town of Laurinburg Laurinburg · Section 8 + public housing
(910) 276-2582 · Email
Lenoir Housing Authority Lenoir · Public housing
(828) 758-5536 · Email
Lexington Housing Authority Lexington · Section 8 + public housing
(336) 249-8936 · Email
Lincolnton Housing Authority Lincolnton · Section 8 + public housing
(704) 735-2221
Housing Authority of the City of Lumberton Lumberton · Section 8 + public housing
(910) 671-8200 · Email
Robeson County Housing Authority Lumberton · Public housing
(910) 738-4866
Southeastern Community Action Partnership Inc Lumberton · Section 8
(910) 277-3535 · Email
Madison Housing Authority Madison · Public housing
(336) 548-6619 · Email
Madison County Housing Authority Mars Hill · Section 8 + public housing
(828) 689-2721 · Email
Mars Hill Housing Authority Mars Hill · Public housing
(828) 689-4531 · Email
Marshall Housing Authority Marshall · Public housing
(828) 649-2545 · Email
Maxton Housing Authority Maxton · Public housing
(910) 844-3967 · Email
Monroe Housing Authority Monroe · Section 8 + public housing
(704) 289-2514 · Email
Mooresville Housing Authority Mooresville · Public housing
(704) 664-1659 · Email
Morganton Housing Authority Morganton · Public housing
(828) 437-9101 · Email
Housing Authority of the Town of Mount Airy Mount Airy · Public housing
(336) 786-8321 · Email
Mount Gilead Housing Authority Mount Gilead · Public housing
(910) 576-0611 · Email
Mount Olive Housing Authority Mount Olive · Public housing
(919) 299-4046 · Email
Housing Programs of the Town of Murphy Murphy · Public housing
(828) 837-6662 · Email
Housing Authority of the City of New Bern New Bern · Public housing
(252) 633-0800 · Email
Twin Rivers Opportunities, Inc. New Bern · Section 8
(252) 637-3599 · Email
Coastal Community Action, Inc. Newport · Section 8
(252) 223-1630 · Email
North Wilkesboro Housing Authority North Wilkesboro · Public housing
(336) 667-3203 · Email
Oxford Housing Authority Oxford · Public housing
(919) 693-6936 · Email
Pembroke Housing Authority Pembroke · Public housing
(910) 521-9711 · Email
Plymouth Housing Authority Plymouth · Public housing
(252) 793-3188 · Email
Princeville Housing Authority Princeville · Public housing
(336) 917-6118 · Email
Housing Authority of the City of Raleigh Raleigh · Section 8 + public housing
(919) 831-8300 · Email
North Carolina Commission of Indian Affairs Raleigh · Section 8
(984) 236-0160 · Email
The New Randleman Housing Authority Randleman · Public housing
(336) 498-7686 · Email
The New Reidsville Housing Authority Reidsville · Section 8 + public housing
(336) 589-6510 · Email
Choanoke Area Development Association, Inc. Rich Square · Section 8
(252) 539-4155
Roanoke Rapids Housing Authority Roanoke Rapids · Public housing
(252) 537-0552
Robersonville Housing Authority Robersonville · Public housing
(252) 217-2283 · Email
Rockingham Housing Authority Rockingham · Section 8 + public housing
(910) 997-3316 · Email
Nash-Edgecombe Economic Development, Inc. Rocky Mount · Section 8
(252) 442-8081 · Email
Rocky Mount Housing Authority Rocky Mount · Section 8 + public housing
(252) 977-3141 · Email
Roxboro Housing Authority Roxboro · Public housing
(336) 599-8616 · Email
Isothermal Planning & Development Commission Rutherfordton · Section 8
(828) 351-2373 · Email
Housing Authority of the City of Salisbury Salisbury · Public housing
(704) 636-1410 · Email
Rowan County Housing Authority Salisbury · Section 8 + public housing
(704) 633-8380 · Email
Sanford Housing Authority Sanford · Section 8 + public housing
(919) 776-7655 · Email
Selma Housing Authority Selma · Public housing
(919) 965-3755 · Email
City of Shelby, Department of Housing Shelby · Public housing
(704) 484-6830
Chatham County Housing Authority Siler City · Section 8
(919) 742-1236 · Email
Johnston County Housing Assistance Payments Program Smithfield · Section 8
(919) 989-5070 · Email
Smithfield Housing Authority Smithfield · Public housing
(919) 934-9491 · Email
Greene County Public Housing Agency Snow Hill · Section 8
(252) 747-8245
Sandhills Community Action Program, Inc. Southern Pines · Section 8
(910) 947-5675 · Email
Southern Pines Housing Authority Southern Pines · Public housing
(910) 692-2042
Spruce Pine Housing Authority Spruce Pine · Public housing
(828) 765-9182 · Email
Star Housing Authority Star · Public housing
(910) 576-0611 · Email
Statesville Housing Authority Statesville · Section 8 + public housing
(704) 872-9811 · Email
Redevelopment Commission of the Town of Tarboro Tarboro · Public housing
(252) 823-6339 · Email
Thomasville Housing Authority Thomasville · Section 8 + public housing
(336) 475-6137 · Email
Troy Housing Authority Troy · Public housing
(910) 576-0611 · Email
Valdese Housing Authority Valdese · Public housing
(828) 485-4247 · Email
Wadesboro Housing Authority Wadesboro · Section 8 + public housing
(704) 694-4852 · Email
Washington Housing Authority Washington · Section 8 + public housing
(252) 946-0061
Mountain Projects, Inc. Waynesville · Section 8
(828) 452-1447 · Email
Waynesville Housing Authority Waynesville · Public housing
(828) 456-6377 · Email
Columbus County Public Housing Agency Whiteville · Section 8
(919) 640-6618 · Email
Whiteville Housing Authority Whiteville · Public housing
(910) 642-4979 · Email
Williamston Housing Authority Williamston · Section 8 + public housing
(252) 792-7571 · Email
Housing Authority of the City of Wilmington Wilmington · Section 8 + public housing
(910) 341-7700 · Email
Housing Authority of the City of Wilson Wilson · Section 8 + public housing
(252) 291-2245 · Email
Housing Authority of the City of Winston-Salem Winston Salem · Section 8 + public housing
(336) 917-6118 · Email
Caswell County Housing Assistance Program Yanceyville · Section 8
(336) 694-9318 · Email
Housing Authority of the County of Wake Zebulon · Section 8 + public housing
(919) 269-6404 · 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 North Carolina links above, and ask your counselor what's open now.

52 HUD-approved housing counselors in North Carolina

White Oak Foundation, INC. Apex · English
(919) 362-6799 · Email · Website
Consumer Credit Counseling Service of Wnc, INC. - Dba - Ontrack Financial Education & Counseling Asheville · English, Spanish
(828) 255-5166 · Email · Website
Cccs of Greater Greensboro Burlington · English
(336) 373-8882 · Email · Website
Empowerment Incorporated Chapel Hill · English
(919) 967-8779
DreamKey Partners Charlotte · English
(704) 342-0933 · Email · Website
Nsc (naca Counseling Subsidiary) - Charlotte, NC Charlotte · English, Spanish
(704) 536-7676 · Email · Website
Nsc (naca Counseling Subsidiary) - National Counseling Center Charlotte · English, Spanish
(606) 230-6222 · Email · Website
Ada Jenkins Families and Careers Development Center, INC. Davidson · English, Spanish
(704) 896-0471 · Email · Website
North Carolina Housing Coalition Durham · English
(919) 881-0707 · Email · Website
North Carolina Community Housing and Consulting, INC Fayetteville · English
(910) 920-3710 · Email · Website
City of Gastonia Gastonia · English
(704) 866-6756
Cccs of Greater Greensboro Greensboro · English
(336) 373-8882 · Email · Website
Greensboro Housing Coalition Greensboro · English
(336) 691-9521 · Email · Website
Housing Authority of the City of Greensboro D/b/a Greensboro Housing Authority Greensboro · English
(336) 303-3059 · Website
Housing Consultants Group Greensboro · English, Spanish
(336) 553-0946 · Website
Housing Foundation of America, Greensboro Branch Greensboro · English
(800) 579-4119 · Website
Western Piedmont Council of Governments Hickory · English, Spanish
(828) 322-9191 · Website
Cccs of Greater Greensboro High Point · English
(336) 889-6108 · Email · Website
Housing Authority of the City of High Point High Point · English
(336) 887-2661 · Website
Centre for Home Ownership & Economic Development Corporation Hillsborough · English
(919) 322-8118 · Email
City of Jacksonville Jacksonville · English
(910) 938-6551
Prosperity Unlimited, INC Kannapolis · English
(704) 933-7405 · Email · Website
Cccs of Greater Greensboro Lexington · English
(336) 373-8882 · Email · Website
Home Solutions Lexington · English
(336) 236-1675
Monroe-Union County Community Development Corporation Monroe · English, Spanish
(704) 283-8804 · Email · Website
Community Foundations Mooresville · English
(704) 799-7641 · Email · Website
The Safeguard Group - Housing & Debt Advisors Mooresville · English, Spanish
(800) 673-6993 · Email · Website
Olive Hill Community Ecomonic Development Corporation Morganton · English
(828) 475-4620 · Email · Website
Carolina Community Impact INC. Raleigh · English, Spanish
(866) 635-6414
Cccs, a Division of Triangle Family Services, INC. Raleigh · Arabic, Sign language, Khmer, Can, Chinese, Cre, Cze, English, Farsi, French,…
(919) 821-0790 · Email · Website
Consumer Education Services, INC Raleigh · English, Spanish
(877) 322-8824 · Website
Dhic, INC. Raleigh · English, Spanish
(919) 832-4345 · Website
Navicore Solutions- Raleigh, NC Raleigh · English, Spanish
(866) 472-4557 · Email · Website
Nsc (naca Counseling Subsidiary) - Raleigh, NC Raleigh · English, Spanish
(919) 855-8484 · Email · Website
Telamon Corporation - Raleigh Branch Raleigh · Farsi
(919) 899-9911 · Email · Website
Telamon Corporation, INC Raleigh · English, Spanish
(919) 899-9911 · Email · Website
Choanoke Area Development Association of Nc, INC. Rich Square · English, Spanish
(252) 539-4155 · Email · Website
Sandhills Community Action Program, INC. Rockingham · English
(910) 410-0207 · Email · Website
Housing Authority of the City of Rocky Mount, NC Rocky Mount · English
(252) 977-3141 · Website
Brick Capital Community Development Corporation Sanford · English, Spanish
(919) 775-2300 · Email · Website
Cleveland County Community Development Corporation Shelby · English
(704) 480-7701 · Email · Website
Sandhills Community Action Program, INC. Southern Pines · English
(910) 947-5675 · Website
Kingdom Community Development Corporation Spring Lake · English, Spanish
(910) 484-2722 · Email · Website
Sandhills Community Action Program, INC. Troy · English
(910) 606-4044 · Email · Website
Sandhills Community Action Program, INC. Wadesboro · English
(704) 994-2306 · Email · Website
Mountain Projects, Inc. Waynesville · English
(828) 452-1447 · Website
Cape Fear Regional CDC Wilmington · English, Spanish
(910) 762-7555 · Email · Website
City of Wilmington Wilmington · English, Spanish
(910) 341-7836 · Email · Website
Wilson Community Improvement Association, INC. Wilson · English
(252) 243-4855 · Email · Website
Credit.org - North Carolina Branch Winston Salem · English, Spanish
(800) 431-8157 · Email · Website
Financial Pathways of the Piedmont Winston Salem · English, Spanish
(336) 896-1191 · Email · Website
Financial Pathways of the Piedmont - Winston-Salem Office Winston Salem · English, Spanish
(336) 773-0286 · 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 →