*UPDATE* Due to funding, Hamilton County Job and Family Services is not accepting new Emergency Rental Assistance Program (ERAP) applications. Applications will resume when funding is available. Homeowners assistance is still accepting applications.

Keeping your family in your home

Have you lost income or been laid off due to COVID-19? You may qualify for several mortgage, rent and/or utility programs designed to keep families safe in their homes by helping with rent, mortgage, utilities, and eviction prevention.

Mortgage Help

Hamilton County Mortgage, Property Tax and Utility Program (HCJFS)

Hamilton County Commissioners are providing $5 million to help eligible homeowners with mortgage, property tax, and/or utility payments in order to avoid foreclosure and shutoffs. The Hamilton County Mortgage, Property Tax and Utility Program helps residents who are at or below 300% of the Federal Poverty Level:

Number of People in Household Max Income 300% of Federal Poverty Level
1 $40,770
2 $54,930
3 $69,090
4 $83,250
5 $97,410
6 $111,570
7 $125,730
8 $139,890
Number of People in Household 1 2 3 4 5 6
Max Income 300% of Federal Poverty Level $40,770 $54,930 $69,090 $83,250 $97,410 $111,570

What you need to apply:


INFOHamilton County Mortgage, Property Tax & Utility Relief Program Eligibility Criteria


CALL (513) 946-7200 between 10 am – 2pm or call the United Way’s 211 for assistance with the application process if you are experiencing difficulty with the online application.

Save the Dream Ohio

Save the Dream Ohio is administered by the Ohio Housing Finance Agency (OHFA) and funded by the U.S. Department of the Treasury’s Homeowner Assistance Fund. This program provides a one-time payment to your participating servicer to bring you current on your mortgage. The payment may cover principal, interest, fees, delinquent taxes. Homeowners with gross annual incomes less than 150% of the household area median income who experienced a financial hardship due to a material reduction in income or material increase in living expenses associated with the coronavirus pandemic after January 21, 2020, MAY be eligible to apply.



CALL(888) 404-4674

Ohio Home Relief Program

The State of Ohio has designated a portion of the CARES funding to help low-income Ohioans who have fallen behind on their rent, mortgage, and water bills through the Ohio Home Relief Grant (OHRG). Cincinnati-Hamilton County Community Action Agency (CHCCAA) is administering the OHRG in Hamilton County.


Rent and Utility Programs

Hamilton County Senior Utility Assistance and Home Repair Program (COA)

Hamilton County Commissioners developed a Senior Utility Assistance and Home Repair Program to help eligible older adults with utility bills and home repairs. Hamilton County residents age 60 and older, who do not qualify for other assistance programs, can apply online or by calling (513) 743-9000.

Who is Eligible:

  • Hamilton County residents ages 60 and over
  • Older adult or other family member in the household currently paying the utility bill
  • Ineligible for other assistance programs
  • Household income 175%-300% of poverty:
Number of People in Household 1 2 3 4 5
Household income of 175%-300% of poverty level $23,783 – $40,770 $32,034 – $54,930 $40,303 – $69,090 $48,563 – $83,250 $56,823 – $97,410


DOWNLOADHamilton County Senior Utility Assistance and Home Repair Program Application & Flyer

MAIL TO – Council on Aging, Attn: Cherry Bartlett, 4601 Malsbary Road, Blue Ash, OH 45242

CALL(513) 743-9000

Community Action Agency (CAA)
*CAA is not accepting new applicants at this time*

Through the Ohio Home Relief Programs, CAA is able to assist renters and homeowners with their past due rent, utility, water, gas and electric bills. Those interested in receiving assistance through the program should visi: https://www.cincy-caa.org/what-we-do/supportive-services/caa-home-relief.html to find out if they are qualified or call (513) 569-1840 option 4 to get in touch with a customer service representative who will walk you through the application process.

Applications are being accepted, reviewed and processed in the order received.  Court eviction cases may take precedence. 



CALL(513) 569-1840, option 4

Rent & Utility Relief (HCJFS)
*HCJFS is not accepting new applicants at this time*

This program is on pause, awaiting additional federal funding.

The Hamilton County Rent and Utility Relief Program draws on funds to provide short term assistance to renters who live in Hamilton County and can document income loss due to the COVID-19 pandemic. The County will pay up to 15 months (12 past due and 3 future) and utilities for households at or below 80% of the Area Median Income:

Number of People in Household123456
Max Income 80% of Area Median Income$47,850$54,650$61,500$68,300$73,800$79,250

Hamilton County residents can apply for rent, water, and/or gas/electric assistance. Once you apply, you will be contacted to complete an interview and might be asked to provide additional documents and information about your circumstances.

United Way 211 Care Navigators can help you through the application process. If you have difficulty uploading appropriate documents to the application, creating an email account to apply, or submitting your application, contact the United Way 211 Care Navigators.

Call 211, text 211CARES to 51555, or visit the website: United Way 211 Helpline – Get Help | United Way of Greater Cincinnati (uwgc.org).

Note: Use the links provided in your email after applying to check your application status.

What you need to apply:

  • Current and/or past-due household bills – rent and/or utility bills
  • Your Story – how did you suffer a financial loss due to the pandemic? Ex. Lost a job, hours cut, furlough, etc.
  • Vendor Registration filled out by Landlord (landlord may already be in the system) https://www.hamiltoncountyauditor.org/pdf/Finance/vendorregform.pdf



CALL (513) 946-7200

Utility Programs

Duke Energy Winter Bill Assistance

Winter brings colder weather, which can bring higher energy bills. To help prepare customers for higher energy prices this year, Duke Energy has created a comprehensive Winter Bill Fact Sheet. It explains why energy bills are increasing, includes helpful energy-saving tips and lists a wide variety of programs that are available to assist customers that are in need.


INFOWinter Bill Fact Sheet

Broadband Assistance

Eligible residents can enroll to receive a monthly discount off the cost of broadband service from an approved provider. The Affordable Connectivity Program will provide a discount of up to $30 per month towards broadband service for eligible households.

Per the FCC’s website, https://www.fcc.gov/acp, the following are eligibility requirements (if a member of household meets one of the criteria):

  • Has an income that is at or below 200% of the Federal Poverty Guidelines or participates in certain assistance programs, such as SNAP, Medicaid, or Lifeline;
  • Approved to receive benefits under the free and reduced-price school lunch program or the school breakfast program, including through the USDA Community Eligibility Provision;
  • Received a Federal Pell Grant during the current award year;
  • Meets the eligibility criteria for a participating provider’s existing low-income or COVID-19 program.



Greater Cincinnati Water Works

Greater Cincinnati Water Works is announcing a new, quick and easy way to set up payment plans for past due charges on water and utility bills! Customers can access PromisePay to enroll by mobile phone or computer. PromisePay offers automatic payments (via e-check, credit/debit, and cash apps such as Apple Pay, Google Pay, and Venmo) and text reminders. Customers will not be charged transaction fees for this service.


INFOPromisePay Flyer (Español)

QRCodePromisePay QRCode

Eviction Prevention

Hamilton County Eviction Help Center

The Help Center for Hamilton County Municipal Court in Ohio provides people with education, information, and limited legal advice. You can visit their website, call the number below, or you can visit in person located in room 113 of the Hamilton County Courthouse at 1000 Main Street.


CALL(513) 946-5650

HOME Cincinnati

HOME’s mission is to eliminate unlawful discrimination in housing in the Greater Cincinnati area. HOME advocates and enforces housing regulations for all protected classes and promotes stable, integrated communities. They provide tenant advocacy and ensure fair housing compliance.


CALL(513) 721-4663

Legal Aid Society of Greater Cincinnati

Legal Aid represents low income people in evictions cases in seven counties in Southwest Ohio. Tenants needing assistance should call their main number (513) 241-9400 and ask for “housing intake.” Tenants who have court papers should call our intake line as soon as they are served. Tenants who do not yet have eviction court papers, but who need rental assistance due to COVID or other reasons, should first contact one of our community partners to apply for rental assistance.


CALL(513) 241-9400, ask for “housing intake”

Talbert House

The Talbert House Homelessness Prevention Program can provide up to four months of rent and utilities paid, and requires a Notice to Leave / Eviction Notice.

Income Eligibility: 30% of AMI

Household Members Income
1 $18,150
2 $20,750
3 $23,350
4 $26,200
5 $30,680
6 $35,160
7 $39,640
8 $44,120
Household Members 1 2 3 4 5 6 7 8
Income Income $18,150 $20,750 $23,350 $26,200 $30,680 $35,160 $39,640 $44,120

CALL(513) 338-8596

The Talbert House Supportive Services for Veterans and Families Program can provide up to three months of rent and utilities paid, and requires a Notice to Leave / Eviction Notice.

Income Eligibility: 50% AMI, based on 30 days income

Household Members Income
1 $30,250
2 $34,550
3 $38,850
4 $43,150
5 $46,650
6 $50,100
7 $53,550
Household Members 1 2 3 4 5 6 7
Income $30,250 $34,550 $38,850 $43,150 $46,650 $50,100 $53,550

CALL(513) 381-7233


Hamilton County Shelter Diversion (Strategies to End Homelessness)

Hamilton County Commissioners approved a $3 million expansion of the Shelter Diversion Program, which provides critical support to families who are at immediate risk of being homeless. Using American Rescue Plan funds, Commissioners are building upon their commitment to support the recovery of Hamilton County families from the economic impacts of the COVID-19 pandemic. The county is contracting with Strategies to End Homelessness, which will coordinate the expansion with partners including Bethany House, the Freestore Foodbank, Talbert House, and Found House Interfaith Housing Network.

Are you looking for homeless shelters near you? We’re here to help. First, call our CAP Line at (513) 381-SAFE (7233). The Central Access Point (CAP) is a centralized intake system for families and individuals who are currently experiencing homelessness or who are at risk of becoming homeless. Begin your journey, from shelter, to hope and stability. If you are currently homeless or experiencing a housing crisis, please call. Our Intake Specialists will gather information about your situation and help place you in a shelter or provide a referral to a partner agency for help.



CALL(513) 381-SAFE (7233), Central Access Point (CAP Line)