Housing Counseling Agencies by State (2026)
Find HUD-approved housing counseling agencies across the United States. Get free expert help with home buying, renting, credit counseling, and foreclosure prevention.
Services Offered by Housing Counselors
Home Buying
First-time buyer help
Rental Help
Find affordable rentals
Credit Counseling
Improve your score
Foreclosure Help
Prevent losing your home
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Select Your State
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Guam
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Northern Mariana Islands
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Puerto Rico
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virgin Islands
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Frequently Asked Questions
HUD-approved housing counseling is a free or low-cost service provided by agencies certified by the U.S. Department of Housing and Urban Development. These counselors are trained professionals who help individuals and families with home buying, renting, credit improvement, foreclosure prevention, and reverse mortgages.
Most HUD-approved housing counseling services are free or available at very low cost. These agencies receive funding from HUD and other sources to provide services to the public. Always ask about fees upfront, but many services including rental counseling, credit counseling, and foreclosure prevention are offered at no charge.
Housing counselors can help you understand your options, create a budget, improve your credit score, navigate the home buying process, prevent foreclosure, find affordable rental housing, and understand your rights as a tenant. They provide personalized guidance based on your specific situation.
Use our directory above to select your state and find HUD-approved counseling agencies in your area. You can also call HUD's interactive voice system at 1-800-569-4287 to find a local counselor.