Millions of families in the United States struggle each month to pay their rent and utilities. Rising costs, sudden job loss, medical emergencies, or unexpected expenses can quickly make paying their bills difficult.
The good news? Many local churches and religious charities offer direct financial assistance for rent, electricity, water, and heat, often when no other help is available.
Below, you’ll find a list of recognized churches and religious organizations that regularly assist people in need. You’ll also find tips on how to apply for assistance and what to expect.
1. Catholic Charities
Catholic Charities is one of the largest faith-based networks helping with emergency rent, utility bills, food, and more. They have offices in almost every U.S. state.
Who can apply: Low-income families, seniors, single parents, and people facing temporary hardship.
How to get help:
- Visit your local Catholic Charities office or website.
- Bring documents like ID, proof of income, eviction notice, or utility shut-off notice.
- Some locations require an appointment.
???? Find help here
2. The Salvation Army
The Salvation Army offers rent assistance, utility bill help, and temporary shelter through its local centers. They also run food banks and disaster relief.
Who can apply: Anyone in urgent need due to job loss, illness, or family crisis.
How to get help:
- Contact your nearest Salvation Army Corps Community Center.
- Ask about their “Emergency Financial Assistance” program.
- They often pay directly to landlords or utility companies.
3. St. Vincent de Paul Society
The St. Vincent de Paul Society is a Catholic lay organization that helps families with rent, utility bills, food, clothing, and basic needs.
Who can apply: Low-income families and individuals in crisis.
How to get help:
- Call your local parish church or the St. Vincent de Paul helpline.
- Volunteers will visit you, assess your need, and may provide direct payment to landlords or utility companies.
???? Locate a chapter near you
4. United Methodist Church
Many United Methodist Churches have outreach ministries to help with rent payments, utility bills, and food assistance — especially for single parents and seniors.
Who can apply: Anyone in the community, regardless of religion.
How to get help:
- Contact your local United Methodist Church and ask about their benevolence or community care fund.
???? Find a local church
5. Lutheran Social Services
Lutheran Social Services (LSS) runs programs for emergency housing help, utility shut-off prevention, and basic needs.
Who can apply: Low-income individuals and families, refugees, and seniors.
How to get help:
- Visit the LSS website to find a local office.
- Call ahead to see what documents are needed.
???? Find help here
6. Jewish Family Services (JFS)
JFS helps people of all backgrounds with rent assistance, utility help, job counseling, and food support.
Who can apply: Anyone in need, not only people of the Jewish faith.
How to get help:
- Contact your local JFS office.
- Many programs are donation-based, so help may vary by city.
???? Locate a JFS office
7. Love INC (Love In the Name of Christ)
Love INC connects people in crisis with churches that can provide rent, utilities, clothing, or furniture. They act as a bridge between churches and local people.
Who can apply: Anyone struggling financially.
How to get help:
- Call your local Love INC helpline to explain your situation.
- They match you with a partner church that can help.
8. Local Churches Near You
Many local churches, regardless of denomination, have “benevolence funds” to help community members in urgent need — like paying an overdue rent or an electric bill.
How to get help:
- Contact churches near you. Speak directly with the pastor or outreach coordinator.
- Explain your situation honestly — they may help directly or refer you to other local resources.
How to Get the Most Help
Be honest and clear: When requesting assistance, explain why you need it, how much you owe, and what assistance you have already requested.
Bring documents: ID, proof of income, lease, past-due bills, or disconnection notices, so churches can process the assistance quickly.
Request early: Many programs run out of funds monthly; apply as soon as you know you can’t pay.
Follow up: If you don’t hear back, do so politely. Churches handle many requests, but they often help those who demonstrate genuine need and effort.
Final Thoughts
If you’re struggling to pay your rent or keep the electricity on, you’re not alone, and you don’t have to face it alone. These churches and charities exist to help neighbors through difficult times.
Start with the organizations mentioned, contact us today, and keep hope alive. One call could mean the difference between losing your home or staying safe and warm.
- Emergency Housing Help from Religious Charities - November 11, 2025
- Rent Vouchers from Local Housing Authorities - November 6, 2025
- Community Wildfire Defense Grant 2025 - November 5, 2025