Keeping your family in your home
There is assistance for individuals and families from different programs, some that started as a result of COVID-19 impacts. 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.
Homeowner Help
Hamilton County Mortgage, Property Tax and Utility Program (HCJFS)
The Hamilton County Mortgage, Property Tax and Utility Relief Program draws on federal relief funds to provide assistance of up to six months of past due mortgage, property taxes, and/or utilities for owner-occupied properties. This program is designated for homeowners; renters are not eligible. Hamilton County homeowners must have established connection to residence and be the applicant’s primary residence (second homes, rental properties, Airbnb, and other similar type rentals are not eligible for assistance).
Applicants are limited in the total amount of funds they may receive. For example, if they have already received six month of mortgage relief, they will not be eligible for additional property tax or utility relief.
Homeowners must have a household income under 300% of the Federal Poverty Level (FPL):
Number of People in Household | Max Income 300% of Federal Poverty Level |
1 | $45,180 |
2 | $61,320 |
3 | $77,460 |
4 | $93,600 |
5 | $109,740 |
6 | $125,880 |
7 | $142,020 |
8 | $158,160 |
Number of People in Household | 1 | 2 | 3 | 4 | 5 |
300% FPL | $45,180 | $61,320 | $77,460 | $93,600 | $109,740 |
Apply for Mortgage, Property Tax or Utility Relief
Click here to apply for the Hamilton County Mortgage, Property Tax and Utility Relief Program.
Submit Verifications
- If a Hamilton County caseworker contacts you and requests additional information, a checklist will be e-mailed to you with a list of documentation still required.
- If you are unable to attach all the required documents to the application, you can e-mail them to hamil_caresfunding@jfs.ohio.gov.
- If you have questions about the status of your application you can contact the Hamilton County Job and Family Services team: 9 am – 1 pm, Monday – Friday for client inquiries. (513) 946-1000 option 1.
Need Help with Application?
The United Way of Greater Cincinnati Care Coordination team can help with the online application. Call 211 and request to speak to a Care Coordinator or text 211CARES to 51555. You can also visit their website: United Way 211 Helpline – Get Help | United Way of Greater Cincinnati (uwgc.org)
After You Apply for Mortgage Relief
Mortgage Vendor Registration
Your Mortgage lender must be a registered vendor. Ask your lender to register at: https://www.hamiltoncountyauditor.org/pdf/Finance/vendorregform.pdf
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. The program is open to Hamilton County residents age 60 and older, who do not qualify for other assistance programs. Visit Council on Aging’s website for more information.
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 |