Housing
Ask about it
Tell us more about what you need. We answer first, then show the programs that fit, then ask a few questions to narrow it down.
Programs in Massachusetts
Massachusetts programs for this kind of help. Each agency decides who qualifies.
Executive Office of Housing and Livable Communities
RAFT
Also: State Public Housing and Rental Vouchers
RAFT provides short-term financial help to eligible households facing housing instability.
Ways to apply:OnlinePaperIn person
Executive Office of Housing and Livable Communities
Emergency Assistance Family Shelter
Also: HomeBASE
Emergency Assistance provides eligible families with shelter and related support when they have no safe place to stay.
Ways to apply:OnlinePhoneIn person
Massachusetts Housing Finance Agency
MassHousing homebuyer and housing programs
MassHousing offers financing programs that support affordable homeownership and housing in Massachusetts.
Ways to apply:OnlinePhone
Executive Office of Housing and Livable Communities
Home Energy Assistance Program
In Massachusetts, LIHEAP is called HEAP.
HEAP helps eligible households pay heating bills and manage energy costs.
Ways to apply:OnlineIn person
Executive Office of Housing and Livable Communities
Weatherization Assistance Program
Weatherization provides eligible households with home energy improvements to reduce energy use.
Ways to apply:OnlineIn person
Checked on October 8, 2026
Community action agencies in Massachusetts
Local nonprofits that help people with low incomes. Many help with energy bills, rent, jobs and taxes. Call to ask what they offer now.
- Action for Boston Community Development, Inc. (ABCD)
Serves Middlesex County, Suffolk County
Call 617-357-6000Listed on nascsp.org, checked on October 9, 2026
- Action, Inc. (ACTION)
Serves Essex County
Call 978-282-1000Listed on nascsp.org, checked on October 9, 2026
- Berkshire Community Action Council, Inc. (BCAC)
Serves Berkshire County
Call 413-445-4503Listed on nascsp.org, checked on October 9, 2026
- Cambridge Economic Opportunity Committee, Inc. (CEOC)
Serves Middlesex County
Call 617-868-2900Listed on nascsp.org, checked on October 9, 2026
- Citizens for Citizens, Inc. (CFC)
Serves Bristol County
Call 508-679-0041Listed on nascsp.org, checked on October 9, 2026
- Community Action Agency of Somerville, Inc. (CAAS)
Serves Middlesex County
Call 617-623-7370Listed on nascsp.org, checked on October 9, 2026
- Community Action Committee of Cape Cod & Islands, Inc. (CACCI)
Serves Barnstable County, Dukes County
Call 508-771-1727Listed on nascsp.org, checked on October 9, 2026
- Community Action Pioneer Valley, Inc. (CAPV)
Serves Franklin County, Hampshire County
Call 413-774-2318Listed on nascsp.org, checked on October 9, 2026
- Community Action Programs Inter-City, Inc. (CAPIC)
Serves Suffolk County
Call 617-884-6130Listed on nascsp.org, checked on October 9, 2026
- Community Action, Inc. (CAI)
Serves Essex County
Call 978-373-1971Listed on nascsp.org, checked on October 9, 2026
- Community Teamwork, Inc. (CTI)
Serves Middlesex County
Call 978-459-0551Listed on nascsp.org, checked on October 9, 2026
- Greater Lawrence Community Action Council, Inc. (GLCAC)
Serves Essex County
Call 978-681-4900Listed on nascsp.org, checked on October 9, 2026
- LEO, Inc. (LEO)
Serves Essex County
Call 781-581-7220Listed on nascsp.org, checked on October 9, 2026
- Making Opportunity Count, Inc. (MOC)
Serves Worcester County
Call 978-345-7040Listed on nascsp.org, checked on October 9, 2026
- North Shore Community Action Programs, Inc. (NSCAP)
Serves Essex County
Call 978-531-0767Listed on nascsp.org, checked on October 9, 2026
- People Acting in Community Endeavors, Inc. (PACE)
Serves Barnstable County, Bristol County
Call 508-999-9920Listed on nascsp.org, checked on October 9, 2026
- Quincy Community Action Programs, Inc. (QCAP)
Serves Norfolk County
Call 617-479-8181Listed on nascsp.org, checked on October 9, 2026
- Self-Help, Inc. (SHI)
Serves Bristol County, Norfolk County, Plymouth County
Call 508-588-0447Listed on nascsp.org, checked on October 9, 2026
- South Middlesex Opportunity Council, Inc. (SMOC)
Serves Middlesex County, Worcester County
Call 508-872-4853Listed on nascsp.org, checked on October 9, 2026
- South Shore Community Action Council, Inc. (SSCAC)
Serves Plymouth County
Call 508-747-7575Listed on nascsp.org, checked on October 9, 2026
- Springfield Partners for Community Action, Inc. (SPCA)
Serves Hampden County
Call 413-263-6500Listed on nascsp.org, checked on October 9, 2026
- Valley Opportunity Council, Inc. (VOC)
Serves Hampden County
Call 413-552-1554Listed on nascsp.org, checked on October 9, 2026
- Worcester Community Action Council, Inc. (WCAC)
Serves Worcester County
Call 508-754-1176Listed on nascsp.org, checked on October 9, 2026
Federal programs
These work the same in every state. Each agency decides who qualifies.
U.S. Department of Housing and Urban Development
Housing Choice Vouchers (Section 8)
Help paying rent in a home you choose, for families with very low income, older adults and people with disabilities. Local housing authorities run it, and many have waiting lists.
Apply through your local public housing authority. HUD lists every housing authority by state.
Federal Communications Commission
Lifeline phone and internet discount
A monthly discount on phone or internet service for households with low income or who get benefits like SNAP, Medicaid or SSI.
Check if you qualify and apply on the National Verifier, then pick a phone or internet company that offers Lifeline.
Federal Emergency Management Agency
FEMA disaster assistance
Help with a place to stay, repairs and other needs after a disaster the President has declared in your area.
Apply online at DisasterAssistance.gov, by phone, or in person at a Disaster Recovery Center.
Checked on October 9, 2026
Talk to a person
- Mass 211
Free help finding food, housing, bills and more near you.
Call 211 - 988 Suicide and Crisis Lifeline
Call or text 988 if you are in crisis or worried about someone. Any time.
Call 988Text 988