Where Can I Get Help With Moving Costs?

Moving presents a significant financial challenge, with costs ranging from packing supplies and transportation to temporary housing and utility setup fees. Several avenues offer support to alleviate this financial burden.

Government and Public Assistance Programs

Government entities at federal, state, and local levels provide various forms of aid for moving costs. Housing assistance programs, often through local housing authorities, may offer one-time aid for relocation expenses or security deposits for eligible low-income individuals. Emergency assistance funds, administered through local social services, may also be available for those facing an immediate crisis. Specialized programs exist for specific groups, such as veterans or disaster victims. Eligibility typically depends on income levels, household size, and the circumstances driving the need for assistance.

Applicants for government assistance programs generally need to provide documentation to verify eligibility and circumstances. Common requirements include:
Proof of income, such as recent pay stubs, tax returns, or benefit statements.
Proof of residency, like a utility bill or lease agreement.
Personal identification, such as a driver’s license or state ID.
Documentation explaining the reason for the move, such as an eviction notice or a letter from a case worker.

Individuals can begin their search on official government websites for program information and application procedures. Local social services departments or public housing authorities also provide direct guidance. The application process typically involves completing forms, available online or in person, and submitting supporting documents. Some programs may also require an interview to assess eligibility.

Non-Profit and Charitable Support

Non-governmental organizations, charities, and community groups frequently offer moving assistance. General charities, religious organizations, and local community action agencies are common providers. Some non-profits specialize in assisting specific populations, such as victims of domestic violence, homeless individuals transitioning into stable housing, or veterans. Assistance can vary widely, from direct financial aid for rent or moving services to in-kind donations like furniture or household goods.

Organizations providing non-profit or charitable support typically require specific information and documents to assess eligibility and need. This documentation often includes personal identification and proof of income, similar to government programs, to verify identity and financial circumstances. Proof of need, such as a referral letter from a social worker or a detailed explanation of the circumstances necessitating the move, is frequently requested. Details about the new living situation, including an address or lease agreement, might also be required to confirm the relocation.

Individuals can locate these organizations through online directories like 211.org. Contacting local churches, community centers, or specific advocacy groups can also provide information. The application process often begins with an initial screening, followed by a more comprehensive application, which may require an interview and submission of supporting documentation.

Employer and Military Relocation Benefits

Some employers provide relocation packages to assist new hires or existing employees transferring to a new location. These packages are not uniform, depending on company policy, employee position, and negotiation. Typical inclusions feature direct reimbursement for moving expenses, such as professional moving services or vehicle transportation costs. Employers may also arrange third-party moving services, offer temporary housing assistance, or provide lump-sum payments for employees to manage their relocation expenses.

Military personnel and their families receive specific moving assistance for permanent change of station (PCS) moves. One option is a Personally Procured Move (PPM), also known as a “DITY move,” where service members arrange their own move and are reimbursed up to a certain percentage of government cost. Alternatively, the military can arrange government-contracted moves directly. Various allowances are also available, such as the Dislocation Allowance (DLA) for miscellaneous expenses, and the Temporary Lodging Expense (TLE) for lodging and meals during temporary housing related to a PCS.

Accessing employer relocation benefits involves communicating with the human resources department or hiring manager. They outline the package specifics and utilization process, which often includes submitting receipts or coordinating with approved vendors. For military relocation, service members work with their transportation office (TO) or personal property office (PPO). These offices guide service members through options, assist with paperwork, and explain procedures for moves or claiming allowances.

Financial Options for Funding Moving Costs

When direct assistance is unavailable or insufficient, individuals often turn to personal financial strategies to cover moving costs. Utilizing personal savings or emergency funds specifically set aside for unexpected expenses is a direct way to manage these costs without incurring debt. Selling unneeded items before a move can also generate funds, while simultaneously reducing the volume of belongings that need to be transported. This approach leverages existing personal assets and resources to self-fund the relocation.

Beyond personal savings, various loan and credit options can provide funds for moving expenses. Personal loans, available from banks and credit unions, offer a lump sum of money that is repaid over a fixed period with interest. Lines of credit provide access to funds up to a certain limit, allowing borrowers to draw and repay as needed. Credit cards can also be used for moving expenses, though they typically carry higher interest rates if balances are not paid in full each month. Each of these options involves different interest rates, repayment terms, and credit score implications.

The process for accessing loan and credit options generally involves submitting an application to a financial institution. For personal loans or lines of credit, this often includes a review of the applicant’s credit history and income to assess creditworthiness. Banks and credit unions typically offer online application portals, or individuals can apply in person. Understanding the terms and conditions, including interest rates and repayment schedules, is an important part of the process before committing to any financial product.