Struggling with Rising Rent Costs? 10 Philadelphia Housing Programs You Didn't Know About

If you're feeling the squeeze from Philadelphia's rising rent costs, you're definitely not alone. With rental prices climbing higher each month, many families are discovering they need help just to keep a roof over their heads. The good news? Philadelphia actually offers way more housing assistance programs than most people realize.

We've dug deep to find ten programs that could make a real difference in your housing situation. Some of these are hidden gems that don't get much publicity, while others have recently expanded their services. Let's dive into what's available right now.

1. Emergency Rental Assistance Program (ERAP)

This program is a lifesaver for anyone dealing with COVID-related financial hardships. ERAP doesn't just cover rent – it also helps with past-due balances, utility costs, and even relocation expenses or internet services you need for work or school.

Here's what you need to know:

• You must earn at or below 80% of Area Median Income

• Priority goes to households earning less than 50% AMI or those unemployed for 90+ days

• The program covers Philadelphia residents

• Important: Funding is extremely limited and closes September 30, 2025

To apply, visit www.PHLRentAssist.org or call 215-320-7880. Don't wait on this one – when the money's gone, it's gone.

2. PHLHousing+ Cash Assistance

This might be the most innovative program on our list. PHLHousing+ gives you guaranteed monthly cash payments loaded onto a prepaid debit card. What makes it special? The money comes with no strings attached – you can use it however works best for your housing situation.

The program ensures you'll never pay more than 30% of your income on housing costs. For a family of four, you can qualify if you earn less than $59,700 annually (that's 50% of area median income). You'll also need at least one qualifying factor, but the program is designed to help families who really need it.

Research shows this program dramatically improves housing stability. Participants are way less likely to face eviction or homelessness after two years in the program.

3. Emergency Assistance Services

When you're facing a housing crisis, this program provides immediate rental assistance. They're located at 801 Market Street, 5th Floor, and you can reach them at 215-560-1976.

This service is perfect for emergency situations where you need help fast. They understand that sometimes life throws curveballs, and they're there to help catch you before you fall.

4. Office of Supportive Housing

Located at 1430 Cherry Street (phone: 215-686-7150), this city-operated office coordinates various housing support initiatives. They offer comprehensive housing stability services that go beyond just paying rent.

What's great about this program is that they look at your entire housing situation holistically. They can help connect you with multiple resources and create a stability plan that works for your specific circumstances.

5. City Relocation Services

Sometimes the solution isn't staying where you are – sometimes you need help moving to more affordable housing. That's where City Relocation Services comes in. Located at 5252 N. 13th Street (215-685-9087), they help with relocation expenses and transitional housing support.

This program recognizes that moving costs can be a huge barrier to finding better housing. They can help cover moving expenses, security deposits for new places, and provide support during the transition.

6. Philadelphia Corporation for Aging

If you're 60 or older and facing eviction, this program is specifically designed for you. Located at 642 N. Broad Street (215-765-9000), they understand the unique challenges seniors face in today's rental market.

Older adults often face discrimination in housing, live on fixed incomes, and may have health issues that complicate housing searches. This program provides targeted support that addresses these specific challenges.

7. TURN Housing Assistance

TURN operates from 1315 Walnut Street and you can reach them at 215-940-3900. They're open Monday through Friday, 9am-5pm, which makes them accessible for working families.

What sets TURN apart is their flexibility. They provide:

• Rental assistance

• Security deposit help

• Other housing-related support based on your specific needs

They understand that everyone's situation is different and they work with you to figure out what kind of help will make the biggest difference.

8. Philadelphia Housing Authority Public Housing

While everyone knows about PHA, what many people don't realize is that they're constantly working to expand their services. They manage rental properties directly, though there is a waiting list (about 40,000 people are currently waiting).

The key with PHA is to get on their list even if you don't need help right now. Housing situations can change quickly, and being on the list means you're ready if you need assistance later.

9. Housing Choice Voucher Program

This program gives you way more flexibility than traditional public housing. Instead of living in a PHA-managed property, you can rent from private landlords with subsidized rental payments.

This means you can:

• Choose your neighborhood

• Find housing that fits your family's specific needs

• Stay in an area where you already have community connections

• Move more easily if your circumstances change

The voucher program recognizes that housing stability isn't just about having a roof – it's about having the right housing in the right place for your family.

10. Housing Association of Delaware County

Here's one that surprises a lot of people: even though it's called "Delaware County," they extend services to Philadelphia residents too. Located at 658 N. Watts Street (215-978-0224), they offer additional rental assistance options that many Philly residents don't know about.

This expands your options beyond city-specific programs and can sometimes mean shorter wait times or different eligibility requirements that might work better for your situation.

Making the Most of These Programs

The key to success with these programs is understanding that they work best when used strategically. You don't have to choose just one – many families benefit from combining different types of assistance.

For example, you might use ERAP to catch up on past-due rent while applying for PHLHousing+ for ongoing support. Or you might get help with security deposits from TURN while waiting for a Housing Choice Voucher.

The most important thing is to apply as soon as you realize you might need help. Don't wait until you're already behind on rent or facing eviction. These programs are designed to prevent housing crises, not just respond to them.

Taking Action Today

Housing costs aren't going down anytime soon, but you don't have to face these challenges alone. Philadelphia has invested heavily in housing assistance programs because the city recognizes that housing stability benefits everyone.

Start by identifying which programs might be the best fit for your situation. Some have income requirements, others serve specific populations, and some are time-limited. The key is to understand your options and act quickly.

If you need help navigating these programs or want personalized guidance on your housing situation, don't hesitate to reach out. We're here to help Philadelphia families find stable, affordable housing solutions that work for their unique circumstances. Check out our resources at https://linktr.ee/pahousing for more information on how we can assist you.

Remember: asking for help with housing costs isn't a sign of failure – it's a smart financial move that can help you build a more stable future for your family.