What Is Area Median Income (AMI)? A Housing Help Guide
AMI is the middle income for your area, set by HUD each year. See how it sets Section 8, public housing, LIHTC and HOME limits for your family size.
KPCB Staff · Oct 21, 2026
By KPCB StaffCombined Expertise In The Low Income Housing Space For 10 Years · How we write our guides

If you have nowhere safe to stay tonight, call 211 and press 6 for homeless services, as HUD advises. 211 connects you to local services, including emergency housing. If you are in danger right now, call 911.
If you still have a place but are about to lose it, act today. Ask for rent help, talk to free legal aid, and contact your local homeless help line, since many communities also help people who are at risk of homelessness.
Dial 2-1-1 from any phone and press 6 for homeless services. If no one answers, or you hear that the service is not available where you are, go to 211.org's local 211 finder and enter your ZIP code to get your local 211 number.
Tell the 211 specialist where you are, who is with you (children, a partner, pets), and whether you need a bed tonight. Ask for the name and number of every place they give you.
| Who you are | Who to call |
|---|---|
| Anyone in danger | 911 |
| Fleeing domestic violence | National Domestic Violence Hotline: 1-800-799-SAFE (7233), TTY 1-800-787-3224, or text START to 88788 |
| A veteran | National Call Center for Homeless Veterans: 1-877-4AID-VET (1-877-424-3838), open 24 hours a day |
| A teen or young person, or a runaway | National Runaway Safeline: 1-800-RUNAWAY (1-800-786-2929), or text, chat or email |
| In emotional crisis or thinking about suicide | 988 Suicide and Crisis Lifeline: call 988, any time of day |
If you are not sure who to call, the USAGov Contact Center at 1-844-USAGOV1 (1-844-872-4681) can point you to the right federal resource.
Emergency shelter is for the short term while you work on a longer plan. Under HUD's rules for local homeless systems, shelters are supposed to have as few barriers to entry as possible, and you should be able to reach emergency services even when the local intake office is closed. Getting into an emergency shelter is not supposed to wait on a ranking of who is most in need.
Ways to find a bed:
When you reach a shelter, ask what time to arrive and what you can bring.
Most housing help for people who are homeless runs through a local group called a Continuum of Care, or CoC. HUD gives money to these local partners. HUD itself does not give direct help to individuals.
Each CoC runs a process called coordinated entry. You do one intake and assessment, and the CoC uses it to refer you to housing and services in its area. That can include shelter, rapid rehousing, transitional housing or permanent supportive housing, depending on what your area offers.
Many states also list a "Balance of State" CoC. If you don't see your city or county, call that one. In many places, 211 is also one of the ways in, so the 211 call you already made may count.
Everyone who comes in through coordinated entry in your area is assessed with the same standard tool. For permanent housing programs, the CoC ranks people so that those with the most severe needs and highest vulnerability are helped first. That can mean a wait for housing even after you are assessed.
Things that help:
The Consumer Financial Protection Bureau (CFPB) lays out what to do if you're facing eviction. The steps depend on how far along the eviction is.
The CFPB says it may take several weeks to get rental assistance money after you apply. Don't wait to apply until you have an eviction notice.
Ask the court whether it can pause the eviction while a rental assistance application is processed. Ask rent help programs whether they cover moving costs, security deposits or application fees for a new place. Talk to legal aid or your local bar association.
For more on your rights as a renter, see our guide to landlord and tenant rental housing rights.
HUD-approved housing counseling agencies can help you find local resources and make a plan. Some offer low- or no-cost rental counseling, but not all, so check that "rental" is on an agency's list of services. Call 800-569-4287 or search for a HUD-approved housing counselor.
Shelter and rapid rehousing are short term. At the same time, put your name in for longer-term rental help through your local public housing agency (PHA).
Applying is free. Only the PHA decides whether you qualify. HUD's Office of Inspector General warns that housing authorities and government agencies "will never ask you to pay for admission to housing assistance programs or to join a waitlist." Don't answer social media ads offering a spot on a waitlist, and don't give your Social Security number in reply to one. Report scams to the HUD OIG Hotline at 1-800-347-3735.
If you have questions about the voucher or public housing programs, the HUD PIH Customer Service Center is at (800) 955-2232. These guides walk through the process:
Veterans who are homeless can ask about HUD-VASH, which pairs a Housing Choice Voucher with case management and clinical services from the VA. Call 1-877-424-3838.
Housing help can take time. Other benefits can cover some needs while you wait.
To see which other programs you might qualify for, try our benefit finder.
Programs will ask for documents, and lost papers can slow you down. Keep these in one folder or bag, and take phone photos of each one if you can:
Keep a simple log too: who you talked to, their phone number, the date, and what they told you to do next. If a program turns you down, ask how to appeal and ask for a referral to someone else who might help.
Call 211 and press 6 for homeless services. If you have an eviction notice or court papers, also contact free legal aid through LawHelp.org the same day.
No. Calling 211 is free, and housing authorities and government agencies will never ask you to pay to apply for housing assistance or to join a waitlist. Report anyone who asks for money to the HUD OIG Hotline at 1-800-347-3735.
It is the single intake process your local Continuum of Care uses to assess people and refer them to housing and services. Find your area's contact on HUD's Need Homeless Assistance? page, or ask 211.
HUD does not provide shelter or services directly. It funds local partners, so your help will come from your local 211, Continuum of Care, shelters and public housing agency.
Yes, in many areas. Ask 211 and your local Continuum of Care about homelessness prevention, apply for emergency rent help, and talk to a housing counselor or legal aid before your eviction moves forward.
Call the National Call Center for Homeless Veterans at 1-877-4AID-VET (1-877-424-3838), any time of day. Ask about temporary housing and about HUD-VASH.

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