With rising rent prices, stagnant wages, and continued economic challenges, many families across Monterey County are struggling to stay housed. The good news? Rental assistance programs are still available in 2025, offering support for those at risk of eviction or unable to keep up with rent and utility bills.

Backed by federal, state, and local funds, these programs are designed to prevent homelessness, stabilize communities, and support both tenants and landlords. This guide provides a full breakdown of how to apply for rental assistance in Monterey County, who qualifies, what expenses are covered, and where to turn for help.

What Rental Assistance Programs Are Available in Monterey County?

Rental assistance programs in Monterey County are part of a larger framework combining federal emergency aid, state housing initiatives, and local partnerships with nonprofit organizations.

Overview of Federal and State-Supported Programs

Several major funding sources have made rental relief possible:

• Emergency Rental Assistance Program (ERAP)
  Created through the CARES Act and expanded by the American Rescue Plan, ERAP funds provide support for rent, utility bills, and housing-related expenses. Though the program was originally launched in response to the COVID-19 pandemic, many counties, including Monterey, continue to administer ERAP funds in 2025.

• California’s Housing Is Key Program (historical context)
  A state-managed program that concluded in 2023 but laid the foundation for ongoing housing relief efforts in California counties through local administration and nonprofit distribution.

Local Monterey County Programs and Partners

Monterey County continues to operate local rental and utility assistance programs, administered through:

• Monterey County Housing & Community Development

• Partnerships with organizations like:

  • United Way Monterey County

  • CHISPA (affordable housing advocacy)

  • Shelter Outreach Plus

These partners offer case management, language access, and in-person help for underserved and rural communities.

Who Qualifies for Rental Assistance in Monterey County?

Understanding whether you qualify is the first step. Rental assistance is typically needs-based and aimed at households experiencing acute financial distress.

General Eligibility Criteria

You may be eligible for rental assistance in Monterey County if:

• Your household income is at or below 80% of the Area Median Income (AMI)
  (Priority is given to households earning under 50% of AMI)

• You’ve experienced financial hardship, such as job loss, reduced hours, medical expenses, or caregiving responsibilities

• You’re at risk of housing instability, proven by:

  • Eviction notices

  • Overdue rent or utility bills

  • Unsafe or overcrowded living conditions

Eligibility extends to both tenants and landlords seeking to recover unpaid rent.

What Expenses Are Covered?

Rental assistance programs in Monterey County can help cover a range of housing-related costs:

• Past-due rent and current rent, up to 15 months total

• Utility bills: electricity, gas, water, sewer, and trash

• Internet bills when essential for remote work or learning (in select cases)

• Relocation costs, moving expenses, and security deposits, when housing loss is imminent

How to Apply for Rental Assistance in Monterey County

Here’s a simplified step-by-step guide to help you submit a complete and accurate application.

Step 1 – Choose the Right Application Portal

Your first step is to decide where to apply based on your needs and location:

• Monterey County Housing & Community Development – Official portal for county-administered programs
  Visit Website

• Community Partners:

  • United Way Monterey County 2-1-1

  • CHISPA

  • Central Coast Energy Services – for utility assistance

These organizations provide bilingual support, rural outreach, and in-person appointments.

Step 2 – Gather Documentation

Collecting documents before you start will help avoid delays. Required materials typically include:

• Valid government-issued photo ID

• Rental agreement or lease

• Proof of income (pay stubs, W-2s, benefits letters, or tax returns)

• Past-due rent statements, eviction notices, or utility bills

If you don’t have a formal lease, submit a written statement from your landlord or rent receipts.

Step 3 – Complete and Submit the Application

You can submit your application:

• Online through the county or partner portals

• In-person at designated nonprofit or social service centers

• With the help of caseworkers for seniors, Spanish speakers, and applicants in rural communities

Applications are processed on a rolling basis, with turnaround times typically ranging from 3 to 6 weeks, depending on completeness and volume.

Step 4 – Follow Up and Respond to Requests

Once submitted:

• Track your application status via the portal or through your case manager

• Respond quickly to any requests for additional information

• If denied, you may appeal or reapply with corrected documents

Key Insights and Local Rental Crisis Data

Rental assistance in Monterey County has played a vital role in addressing housing insecurity. Here are some key facts:

Sources: Monterey County Housing Authority, U.S. Treasury ERAP Reports, CA HCD, Monterey County Weekly

Expert Quotes and Local Voices

“We still see hundreds of families who’ve never asked for help before—it’s a sign of how serious the housing crunch is.”
— Lena C., Director at Shelter Outreach Plus

“Partnering with landlords improves outcomes and prevents evictions before they happen.”
— Mark H., Housing Case Manager, CHISPA

Frequently Asked Questions (FAQs)

Is rental assistance still available in 2025?

Yes. Monterey County continues to distribute rental assistance while funds last. Programs are still active in 2025.

Can undocumented residents apply for rental help?

Yes. Immigration status is not a barrier to receiving aid. Alternative identification documents may be used.

What if I rent a room and don’t have a lease?

You can submit rent receipts or a letter from your landlord confirming your tenancy and monthly rent amount.

How long does it take to get approved?

Processing typically takes 3 to 6 weeks, but times may vary based on application volume and documentation.

Can landlords apply on behalf of tenants?

Yes. Landlords can initiate applications, but the tenant must provide consent and required documentation.

Case Studies: Rental Assistance in Action

Salinas Family Saves Home After Illness

After a major illness caused a lapse in income, a family of four in Salinas received $7,200 to cover 8 months of missed rent, allowing them to stay in their home and recover.

Seaside Tenant and Landlord Team Up for Approval

A landlord worked closely with a tenant to submit a joint application. Together, they secured full reimbursement for unpaid rent and utilities, preventing eviction and stabilizing both parties financially.

Where to Get Help in Monterey County

Need personal support or legal guidance? These trusted local resources can assist:

• United Way Monterey County 2-1-1 – Free referrals to rental and utility aid

• CHISPA – Affordable housing help and bilingual case management

• Central Coast Energy Services – Utility payment assistance

• Legal Services for Seniors – Tenant rights, eviction prevention

• Monterey County Department of Social Services – General assistance and case referrals

Next Steps: Take Action Now

To improve your chances of approval and secure housing stability, follow these key steps:

1. Confirm your eligibility based on income and housing status.

2. Collect your documents early—incomplete applications are a top delay factor.

3. Apply online or with nonprofit help for personalized support.

4. Follow up regularly to track your application and provide updates.

5. Share this guide with neighbors or community members in need.

Denise M

Originally from Toronto, Canada, Denise Madison, age 34, is an expert in housing policy and rental assistance. Denise earned her Master’s in Public Administration from McGill University, focusing her thesis on the effectiveness of rental assistance programs in major Canadian cities. After graduation, she worked with the Canadian government before transitioning to a consulting role in the United States, aiding in the enhancement of federal housing policies and programs. Denise is known for her practical workshops and seminars aimed at landlords and tenants, fostering better understanding and compliance with housing laws. When not at work, Denise cherishes time with her husband and their three young children, exploring the outdoors and teaching them about the importance of community involvement.