Housing Assistance

If you are having trouble paying your rent, mortgage, or utilities, you are not alone. Here are some options available for getting assistance.

Table of Contents
Mortgage & Rental Assistance
Utility Assistance
Additional Housing, Rental, and Utility Support
Additional Assistance

Reach out to a librarian with any questions or for one-on-one assistance navigating these resources!

Call 574-282-4646
Email library@sjcpl.org
Visit any library location

Mortgage & Rental Assistance

Indiana Homeowners Assistance Fund (IHAF)

IHAF is a mortgage payment assistance program for eligible Indiana homeowners in all 92 counties experiencing a hardship due to the COVID-19 pandemic.

Indiana Emergency Rental Assistance (IREA)

Effective July 29, 2022: The Indiana Emergency Rental Assistance (IERA) program has paused accepting applications to analyze and determine the amount of funds available to assist new households.

Sign up here to be notified if the portal reopens for new applications.

Utility Assistance

Utility Assistance Program

Reduce your water and sewer bill by up to $25.50 per month by enrolling in the Utility Assistance Program. To be eligible, applicants must meet income guidelines and receive sewer service from the City. This program is open to homeowners and tenants.

Additional Housing, Rental, and Utility Support

Real Services

1151 S. Michigan Street
South Bend, IN 46601

REAL Services provides household assistance programs and is able to assist low-income households with electric and heating expenses during the winter months, rental assistance for those adversely affected by the COVID-19 pandemic, and weatherization services to better prepare homes for the winter season.

For more information on these programs and how to apply, visit their website.

Portage Township Trustee

133 N William Street
South Bend, IN 46601

The Portage Township Trustee’s Office provides assistance to residents in need. They may provide financial help with rent, utilities, food, household items, and more. For more information or to access the application information, visit their website.

St. Vincent De Paul Society

520 Crescent Avenue
South Bend, IN 46617

The St. Vincent de Paul Society provides rent & utility assistance through one-on-one appointments with a financial coordinator who is able to assess the needs of each person served as well as develop strategies to encourage self-sufficiency.

For more information and to see a list of upcoming application dates, visit their website.

Catholic Charities

1817 Miami St
South Bend, IN 46613

Catholic Charities of Fort Wayne and South Bend may provide financial assistance for utilities, rent, and mortgage payments. For more information about this assistance and how to apply, visit their website.

Additional Assistance

CALL 211

211 call specialists are ready to provide direct aid to individuals and families in need (food, shelter, utilities, mental health, and health care resources).

Want to be in the know with the latest library news?