If you’re having trouble paying for your move, you may be able to find help through federal government programs, charities, nonprofits, state and local programs, religious organizations or your employer.
Here are a few resources that might help pay your moving expenses.
1. HUD Emergency Solutions Grants (ESG)
What help it provides
The U.S. Department of Housing and Urban Development (HUD) Emergency Solutions Grants program (ESG) is designed to help the unhoused secure stable housing, providing grants to individuals who are homeless or at risk of becoming homeless.
ESG funds can be used to cover moving costs under two of the program’s components: homelessness prevention and rapid rehousing assistance.
Who qualifies
To qualify for funds to cover moving expenses, you must be at risk of homelessness, as defined in 24 CFR § 576.103 . Among other requirements, you’ll need an annual income of less than 30 percent of the median family income for your area, as determined by HUD .
Important things to know
HUD doesn’t pay individuals directly. The ESG program provides funds to cities, urban counties, territories and states to distribute funds. You can use this tool to find the appropriate contact information for your location.
» MORE: How much it costs to move
2. Federal Emergency Management Administration (FEMA)
What help it provides
FEMA helps support citizens and first responders in the aftermath of disasters. Among the many types of disaster assistance it provides, it can also cover moving expenses if a disaster has rendered your home unlivable.
Covered expenses can include:
- Commercial moving labor costs.
- Moving truck rental fees.
- Rental vehicle fuel.
- Costs for moving supplies like tape and boxes.
- Commercial storage unit fees, including self-storage.
- Related sales taxes.
Who qualifies
You may be eligible for help with moving costs (and other assistance) through FEMA if a disaster made your home unlivable and you had to move your belongings to another location (such as a home or storage facility) to prevent further damage. The damaged home must be your primary residence, and what you’re moving must be considered essential household property.
Important things to know
Funds from FEMA are typically grants that don’t have to be repaid. However, in some cases, if your insurance ends up paying the expense at a later date, you’ll need to pay that money back to FEMA.
You can apply for assistance from FEMA at DisasterAssistance.gov, or by calling 800-621-3362 anytime, 24/7.
3. Military OneSource Relocation Assistance Program
What help it provides
Funded by the U.S. Department of Defense, Military OneSource provides support and guidance to military families, which may include assistance with moving expenses.
Who qualifies
Members of all military branches and their families or survivors may be eligible for this benefit.
Important things to know
You can contact Military OneSource at 800-342-9647 or by chat and other methods to find out if you’re eligible for help.
» MORE: Where to get free or cheap moving boxes
4. Department of Veterans Affairs (VA) Rural Relocation Benefit
What help it provides
The Rural Relocation Benefit offers a $500 grant to cover moving expenses for qualified veterans pursuing an education.
Who qualifies
To be eligible for the VA’s Rural Relocation Benefit, you need to live in a county with less than seven people per square mile and either:
- Be relocating at least 500 miles away to pursue an education under the Post-9/11 GI Bill.
- Be traveling by air to physically pursue a program of higher education at an institution of higher learning under the Post-9/11 GI Bill if no other land-based method of transportation is available because proper roads or other infrastructure aren’t available.
Important things to know
You’ll need the following documentation to apply for the Rural Relocation Benefit:
1. Application form. You can find and print the application here.
2. Proof of rural residence. Acceptable proof may include any of the following:
- Form DD 214, Certification of Release or Discharge from Active Duty.
- Your most recent federal income tax return.
- Your most recent state income tax return.
- Rental or lease agreement.
- Mortgage document.
- Current real property assessment.
- Voter registration card.
3. Proof of air travel. If you’re traveling by air, you must submit an airline receipt with a departure and destination airport within a reasonable distance from your residence and the institution of higher learning you’ll be attending.
5. The Salvation Army
What help it provides
The Salvation Army provides up to $150 in moving costs assistance to individuals and families who can’t afford this expense.
Who qualifies
Each Salvation Army location handles its own applications, so eligibility can vary. Those seeking assistance can enter their zip code here to be directed to their local Salvation Army location and apply online. A case manager may contact you if additional information is required and notify you by mail if your case is approved.
Important things to know
The Salvation Army offers many other kinds of financial help in addition to moving expenses, including:
- Rental assistance.
- Assistance with deposit and application fees.
- Homeless prevention assistance.
- Bedroom, bathroom and kitchen supplies, including beds.
- Emergency gift cards for food or gas.
- Rental arrears.
6. Modest Needs
What help it provides
Modest Needs gives grants to working individuals and families whose income puts them just above the poverty line, disqualifying them from most other types of social assistance. These grants can help pay for emergency expenses or ongoing monthly bills, including moving costs.
The average grant is typically between $750 and $1,250.
Who qualifies
Low-income families where at least one member is employed may qualify for a Modest Needs grant to help pay for moving costs or other approved expenses. Special consideration is given to people living alone, first responders, teachers and recently returned veterans.
You’ll need to pass income and eligibility tests, as well as meet these additional eligibility requirements:
- Be at least 18 years old.
- Be a legal resident of the United States or Canada.
- Be applying for assistance either for yourself or for a person living with you.
- Have at least one active bank account, or have filed a federal tax return within the past two years.
- Have access to an internet-capable computer for checking email and the Modest Needs website daily during the active period of your application.
- Have access to a scanner or a fax machine for long enough to scan and upload or fax your supporting documentation.
- For renters: a legal lease that has been signed by both your landlord and a member of your household. This lease must show the amount of your monthly rent and whether or not you pay the whole amount yourself.
Important things to know
Modest Needs grants pay for only a specific bill for an approved expense. They’re paid directly to the provider of the service or goods needed (such as your moving company), rather than to the individual recipient.
To apply for a Modest Needs grant, register with the organization here. Once you have an account, you’ll be able to fill out a grant application by logging in and clicking “Apply for help now.”
Additional resources
If none of the above options are a good fit for you, you may also be able to find help with moving costs through local houses of worship, or state and local programs. If your move is job-related, your employer may even foot the bill.
If you still can’t find the help you need, two organizations that may be able to connect you with help for moving costs:
- 211 is a comprehensive source of services and resources across the country. To contact this service, simply dial 211 from your phone or search for chat and text alternatives here.
- Benefits.gov is a government website that allows you to search for specific benefits based on your individual situation and needs. You can access its benefit finder tool here.
Explore more on
Article sources
NerdWallet writers are subject matter authorities who use primary,
trustworthy sources to inform their work, including peer-reviewed
studies, government websites, academic research and interviews with
industry experts. All content is fact-checked for accuracy, timeliness
and relevance. You can learn more about NerdWallet's high
standards for journalism by reading our
editorial guidelines.
- 1. Cornell Law School Legal Information Institute. Definitions. Accessed Jun 21, 2025.
- 2. HUD Exchange. ESG Requirements. Accessed Jun 21, 2025.
