Local Housing Assistance Programs

Housing assistance programs are closely tied to funding dollars that are often in a state of flux. Programs are active until the funding source for these programs is lost or consumed. When funding is lost, programs may close until new funding becomes available. Professionals working with people in need understand how desperate the need for housing is, but their efforts to help are limited by the reality of finite resources. As new resources become available this page will be updated. If you know of a local housing program that has not been included please send information about the resource to info@nj211.org so that we may share it with our web visitors and those who call 2-1-1 looking for help.

Affordable Housing Online has served low income renters in the U.S. for more than 15 years with the most complete and up-to-date info on low income housing, affordable housing, affordable apartments, subsidized housing, public housing, and Section 8 Housing Choice Voucher (HCV) waiting list inofrmation. For more information an to sign up for this email list click here. 

Morris County 

Morris County Habitat for Humanity is looking for qualified applicants to own affordable homes through its program. Interested applicants can find out more information about this opportunity by visiting their website or viewing their flyer here

Jersey City

Jersey City offers data maps on the city’s website. One of the maps offered is called an Affordable Housing Navigator. Visitors to the Navigator will find a map of the city with markings that identify affordable housing units that are both completed and under construction. The site also offers a table that reflects a household Area Median Income (AMI) percentage requirement so that visitors can learn what the qualifying income level is for the housing units shown. This is one of many data maps available.

CLARIFI New First-Time Homeowner Program 

New Jersey Housing Mortgage Finance Agency (NJHMFA) recently launched its new HomeSeeker Program. the program gives eligible first-time homeowners $16,000 toward a home purchase. Some of the requirements include:

  • Purchases must be made in Atlantic, Gloucester, or Camden Counties. 
  • The $16,000 is 100% forgiven if the owner stays in their home for 5 years. 
  • The mortgage must be obtained through NJHMFA's Homeward Bound Program and use their approved lenders.
  • The maximum household income is $122,780.
  • Maximum Home Price: $437,349 (if 2-4 unit,, $559,854).
  • Veterans do not need to be first-time homeowners to qualify for funds. 

CLARIFI offers the HUD and NJHMFA-approved housing counseling required for HomeSeeker. 

Appointments with CLARIFI can be scheduled online or by calling 800-989-2227. 

Somerset County 

The Somerset County Homelessness Trust Fund Rental Assistance Program will provide up to 15 months of rental assistance and case management that is intended to help clients become aware of and access resources to help increase their chances of maintaining permanent housing within Somerset County. 

The program will provide a monthly subsidy to pay the difference between household rent and 30 percent of the client's income. The maximum subsidy that can be provided to a household is $300 per month.

An applicant must be able to demonstrate that he or she will be able to afford the housing without rental assistance within 15 months. An applicant will only be accepted once in any 36 month period. In order to qualify, applicants must be employed, have a formal lease at a rate that is lower than the Fair Market Rent for the unit size, and be within the following income limits:

1 Person - $51,5002 People - $58,800
3 People - $66,2004 People - $73,500
5 People - $79,4006 People - $85,300
    In addition, program participants must:
    • complete a monthly household budget
    • maintain monthly contact with the Program Case Manager
    • apply for the CJHRC Savings Match Program (6 or 12 months)
    • be willing to accept case management services and/or any other services that are deemed necessary for one to maintain permanent housing
    • complete a financial management class within six months of enrollment in the program

To learn what documentation is needed to apply, download an application. Applicants who meet the criteria will be served on a first-come, first-served basis after being screened by the Somerset County Community Development Office. For more information, email or call the office at (908) 541-5756.


For the most up-to-date information on available and affordable housing in your community, use the NJ Housing Resource Center, an online service that provides information on current listings in towns throughout the state. If you do not have regular access to a computer, or if you are having trouble navigating the NJHRC site, dial 2-1-1 and our resource specialists will help you find appropriate resources.

Search the NJ 2-1-1 database at the top of this page for other local alternatives using the terms that best describe your need. Here are some suggestions:

  • Housing, I&R
  • Housing, Low Income
  • Housing, Financial Assistance
  • Housing, Section 8/Voucher
  • Housing Location Assistance
  • Housing, Seniors
  • Housing, Shared
  • Housing, Transitional
  • Housing Payment Assistance
  • Transitional Housing

Remember to geographically limit your search to find the most appropriate resources in your local area.

Sources for this page include:
Email communication received from housing programs

Page last modified/reviewed on July 26, 2017

If you know of additional resources that would be appropriate to include in this section, please let us know by contacting us via e-mail at info@nj211.org

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