New Jersey

  • State Data Overview

    Across New Jersey, there is a shortage of rental homes affordable and available to extremely low income households (ELI), whose incomes are at or below the poverty guideline or 30% of their area median income (AMI). Many of these households are severely cost burdened, spending more than half of their income on housing. Severely cost burdened poor households are more likely than other renters to sacrifice other necessities like healthy food and healthcare to pay the rent, and to experience unstable housing situations like evictions.

    Renter households that are extremely low income
    Maximum income for 4-person extremely low income household (state level)
    Shortage of rental homes affordable and available for extremely low income renters
    Annual household income needed to afford a two-bedroom rental home at HUD's Fair Market Rent.
    Percent of extremely low income renter households with severe cost burden
  • State Level Partners

    NLIHC Housing Advocacy Organizer

    Tori Bourret

    Tori Bourret

    202.662.1530 x244 | [email protected]

    State Partners

    Housing and Community Development Network of New Jersey
    145 West Hanover Street
    Trenton, NJ 08618
    P 609-393-3752
    Arnold Cohen, Senior Policy Coordinator
    [email protected]
    Staci Berger, President and CEO
    [email protected]

    Become an NLIHC State Partner

    NLIHC’s affiliation with our state coalition partners is central to our advocacy efforts. Although our partners' involvement varies, they are all housing and homeless advocacy organizations engaged at the state and federal level. Many are traditional coalitions with a range of members; others are local organizations that serve more informally as NLIHC's point of contact.

    Inquire about becoming a state partner by contacting [email protected]

    Become a Member
  • Housing Trust Fund
    NLIHC Point Person for HTF Advocacy

    Arnold Cohen

    Senior Policy Coordinator

    Housing and Community Development Network of New Jersey

    609-393-3752 x 1600

    [email protected]

    State Designated Entity:

    Sheila Oliver


    New Jersey Department of Community Affairs


    Official Directly Involved with HTF Implementation:

    James Lordi

    Division of Housing and Community Resources

    HOME Production Administrator


    [email protected]

    State Entity Webpage

    State of New Jersey Department of Community Affairs

  • Resources

    Housing Profiles

    State Housing Profile

    State Housing Profile: New Jersey (PDF)

    Congressional District Housing Profile

    Congressional District Profile: New Jersey (PDF)

    Research and Data

    National Housing Preservation Database

    The National Housing Preservation Database is an address-level inventory of federally assisted rental housing in the United States.

    Out of Reach: The High Cost of Housing

    Out of Reach documents the gap between renters’ wages and the cost of rental housing. In New Jersey and Nationwide

    The Gap: A Shortage of Affordable Rental Homes

    The Gap represents data on the affordable housing supply and housing cost burdens at the national, state, and metropolitan levels. In New Jersey and Nationwide

  • Take Action
    Tell Congress to Protect and Expand the National Housing Trust Fund
    Urge Congress to Pass a Budget with Strong Support for Affordable Housing Programs
    Tell Congress that Opportunity Zones Must Benefit Low Income People and Long-Term Residents
  • COVID-19 Resources
    COVID-19 Resources

    NLIHC has estimated a need for no less than $100 billion in emergency rental assistance and broke down the need and cost for each state (download Excel spreadsheet). 

    In response to COVID-19 and its economic fallout, many cities and states are creating or expanding rental assistance programs to support individuals and families impacted by the pandemic, and NLIHC is tracking in-depth information on these programs.  

    You can use the interactive map and searchable database to find state and local emergency rental assistance programs near you. You can also see the latest news on rental assistance programs through the state-by-state news tracker. Note that this is not a comprehensive list of all rental assistance programs as we continue to update frequently. If you are aware of a program not included in our database, please contact [email protected]

    COVID-19 Emergency Rental Assistance Programs

    Across the country, homeless service providers are struggling to respond to the COVID-19 pandemic. In order to follow public health guidelines and help ensure people’s safety, some shelters are being forced to reduce services, restrict admittance, or close entirely. The loss of these critical resources puts people experiencing homelessness at even higher risk of illness. Check NLIHC's cumulative list of shelter closings.

    Below is a list of shelters that have had to majorly alter services or completely close:

    No information at this time.

    An op-ed urges the state Senate to protect Black families from COVID-19 evictions by passing S-2340, an important pandemic-related housing protections bill. S-2340 would establish a comprehensive, statewide forbearance program that would prevent a tsunami of pandemic-caused displacement. 

    Updated on September 15, 2020

    New Jersey recently launched the Small Landlord Emergency Grant Program through the New Jersey Housing Mortgage Finance Agency. The program will reimburse small residential rental property owners for lost revenue due to COVID-19 between April and July 2020, if they agree to forgive outstanding back rent and late fees that their tenant accrued during this time.

    Updated on September 2, 2020.

    Governor Phil Murphy announced on August 7 the creation of the Small Landlord Emergency Grant Program. The $25 million program, funded through the CARES Act and administered by the New Jersey Housing and Mortgage Finance Agency, will provide emergency grant funding to small property owners for COVID-19 related decreases in rent revenue for a four-month period between April and July 2020.

    New Jersey’s new grant program is expected to help small residential property owners who are often the most vulnerable in an economic crisis. There have been more than 15,000 evictions filed during the pandemic, and advocates expect that this number will grow in the coming months. 

    Updated on August 19, 2020.

    Approximately 8,000 people were selected for New Jersey’s $100 million COVID-19 Emergency Rental Assistance Program. More than 60,000 residents applied to the program, hoping to be selected through the online lottery.

    Despite New Jersey’s eviction moratorium, more than 15,000 renters are facing eviction. Another 450,000 households across the state -- 40% of renters -- will be unable to afford August’s rent payment, and New Jersey could see as many 304,000 eviction filings in the next four months. 

    NJTV News discusses what tenants and homeowners can do if they are being harassed to pay and threatened with eviction or foreclosure. “You have landlords that are trying to really bamboozle people into accepting agreements that are not in their best interest, where they’re not being adequately represented and that’s wrong,” said Arnold Cohen, senior policy advisor for the Housing and Community Development Network of New Jersey, an NLIHC state partner.

    Updated on August 11, 2020.

    The New Jersey Assembly on July 30 approved legislation to provide eviction and foreclosure protections for tenants and homeowners impacted by the pandemic. The bill was approved with bipartisan support. Advocates applauded the Assembly for passing the People’s Bill (A4266/A4034) and urged the Senate to pass companion legislation (S2340).

    Updated on August 4, 2020.

    More than 60,000 New Jersey residents are vying for the state’s $100 million COVID-19 Emergency Rental Assistance Program. It’s unclear how many of the 60,838 applicants will be approved for assistance.

    An op-ed in the Philadelphia Inquirer urges the New Jersey Legislature to act quickly to prevent an eviction and foreclosure tsunami caused by the pandemic.

    Representative Mikie Sherrill (D-NJ) held a virtual meeting with the Housing Alliance of Morris County on housing security and homelessness response during the pandemic.

    Updated on July 28, 2020.

    An article in ROI-NJ discusses NLIHC’s Out of Reach 2020 report, which found that New Jersey is the seventh most expensive place in the United States for renters. “Trying to make the rent has always been a struggle for New Jerseyans and the coronavirus pandemic has rendered it almost impossible,” said Staci Berger, CEO and president of the Housing and Community Development Network of New Jersey, an NLIHC state partner.

    Updated on July 20, 2020.

    Staci Berger, president and CEO of the Housing and Community Development Network of New Jersey, an NLIHC state partner, wrote an op-ed in the NJ Spotlight, urging Congress to take bold action to protect New Jersey renters.

    Updated on July 7, 2020.

    New Jersey advocates are concerned that business interests are being prioritized for pandemic relief over low-and middle-income residents. Advocates highlighted ongoing concerns about housing, health care, and the urgent need to mitigate the pandemic’s disproportionate impact on Black and Latino communities.

    Updated on June 29, 2020.

    Star-Ledger editorial addresses the urgent need for federal assistance to prevent a surge of evictions, including $100 billion in emergency rental assistance. The editorial calls attention to Republican leaders’ refusal to vote on the HEROES Act.

    Updated on June 22, 2020.

    Governor Phil Murphy announced on May 29 that New Jersey will provide $100 million in emergency rental assistance to residents who have been impacted by the pandemic. The program will allocate approximately 20% of funding to serve those who are very low-income, experiencing homelessness, or at risk of homelessness with up to 12 months of rental assistance. For the remainder of the funding, the Department of Community Affairs will administer an online lottery. The program will be funded primarily through the CARES Act.

    Newark Mayor Ras Baraka announced on May 18 the launch of the Newark COVID-19 Tenant Based Rental Assistance program. The program has $1 million in available funding through local funding and federal HOME funds.

    The New Jersey Apartment Association expressed its support of the legislature for passing Senate Bill 2332/Assembly Bill 3956 that would establish the 2020 New Jersey Emergency Rental Assistance Program and appropriate $100 million to the program. The program would expand the current Homelessness Prevention Program to assist low- and moderate- income families as well as middle-income residents and those in workforce housing.

    Newark created a $1 million Emergency Housing Assistance Fund to provide low-income residents up to $1,000 each to help pay rent or utilities. The rental assistance program will be funded through federal HOME grants and potentially some funds from the city’s housing trust fund.  Applications will be available on May 18 on the city’s website.

    Bill A. 3956 would create the New Jersey Emergency Rental Assistance Program to help tenants remain stably housed. The emergency assistance program would first use federal funds, specifically Community Development Block Grants sent to the state to support Hurricane Sandy Recovery that haven’t been spent. The State Assembly will vote on the bill on May 14.
    Union City passed a measure prohibiting any evictions of residential or commercial tenants during its state of emergency, including for non-payment. Union City’s legislation would enact a moratorium on all evictions, whether the property is mortgaged or owned by the landlord.

    Jersey City Council unanimously passed an ordinance (Ordinance No. 20-036) that prohibits any rent increase and any penalty for late rent payments until August 1, 2020 in all rent controlled and non-owner occupied 1-4 unit dwellings. 

    Newark started testing people experiencing homelessness for the coronavirus on May 4. The testing is occurring at an airport hotel that the city acquired last month to provide housing for Newark residents experiencing homelessness. The city has accommodations to quarantine anyone who tests positive for the coronavirus.

    The city of Passaic is increasing efforts to test people experiencing homelessness for the coronavirus, including opening a testing site at its North Hudson Community Center. The city recently opened Dignity House, a resource center for people experiencing homelessness.

    Advocacy groups and shelter providers in New Jersey are preparing for an increased demand for their services once the state reopens and the eviction moratorium is lifted. Over the last month in Morris County, there has been a 30% increase to the coordinated entry list for shelters.

    As Newark renters face illegal eviction due to the pandemic, pro bonos and advocacy groups worry that many Newarkers are vulnerable to landlord exploitation. Newark is one of three cities in the country to offer pro bono legal representation to low-income renters facing eviction. 

    The Newark Housing Authority is adjusting its public housing wait list to accommodate families who are in need of transitional housing due to loss of employment or homelessness. Families who are currently on the public housing waiting list and wish to apply for COVID-19 preference can visit: 

    The Housing and Community Development Network of Jersey applauded Governor Phil Murphy for announcing new measures and resources for renters and homeowners impacted by COVID-19, including an order allowing renters to use security deposits to cover their rent with a notification of intent to their landlord.

    Governor Phil Murphy announced expanded protections for individuals without permanent housing on April 24. Executive Order No. 106 protects access to hotels and motels for individuals without permanent housing and clarifies that municipalities are prohibited from imposing restrictions in response to the coronavirus pandemic on the ability of motels, hotels, guest houses, or private residents to accept any individuals who have no permanent housing.

    Bridges, a nonprofit organization in New Jersey, is collaborating with the city of Newark to move 150 people experiencing homelessness into separate hotel rooms to self-isolate or receive critical medical attention. Over the past four weeks, Bridges has housed people experiencing homelessness in an old hotel near Newark Airport. 

    Trenton opened the first of four overflow shelters for people experiencing homelessness on April 21. The city council approved a $500,000 contract with the Trenton Health Team and additional contractors to establish the shelters.

    Eva’s Village, a nonprofit social service organization in Paterson, New Jersey, has made adjustments to its facilities to strengthen its capacity to serve clients who are battling homelessness, substance abuse, and the coronavirus.

    Last week, the Trenton City Council approved a $500,000 contract for emergency homeless shelters for the COVID-19 pandemic. The emergency shelters will be for people experiencing homelessness who need to be quarantined or at-risk for being infected. Trenton, which has more than 300 people experiencing homelessness, has plans to open four shelters, including one designated for women and children fleeing domestic violence during COVID-19.
    Lyft, in partnership with several nonprofit organizations across New Jersey, announced that it will provide complimentary access to transportation to residents needing assistance accessing essential services during the pandemic. For example, the Bergen County Housing, Health, and Human Services will provide ride codes to low-income families who need to attend work or appointments.

    Human Services will provide ride codes to low-income families who need to attend work or appointments.

    Atlantic City is exploring options to help find safe and supportive housing for individuals who are homeless and have tested positive for COVID. Bob Franklin, director of development at the Atlantic City Rescue Mission, said the mission was near capacity at 300, and was also stepping up its food program for the non-homeless poor. Recent estimates of the homeless population in the county have exceeded 400.

    Newark New Jersey is setting up a $6 million fund for residents and businesses losing money during the COVID-19 pandemic.

    Newark Mayor Ras Baraka announced that the city would be dedicating $6 million in six programs to counteract the impacts of the pandemic, including housing and homeowner assistance. 

    The City of Hoboken has passed an ordinance preventing rent increases in rent-controlled buildings during the COVID-19 emergency.

    No information at this time.

    Article TitleLink

    Op-Ed: Pandemic Relief Must Include Emergency Housing Assistance

    NJ Spotlight
    Legislators must quickly pass bills to keep people in their homes |

    Federal, state, and local eviction moratoriums are rapidly expiring and the CARES Act supplemental unemployment benefits will end soon; at that time, millions of low-income renters will be at risk of losing their homes. The NLIHC estimates at least $100 billion in emergency rental assistance is needed to keep low-income renters stably housed during and after the pandemic. This tracker links to news reports of the growing evictions crisis in various cities and states. Check NLIHC's cumulative list of eviction updates.

    New Jersey’s new grant program is expected to help small residential property owners who are often the most vulnerable in an economic crisis. There have been more than 15,000 evictions filed during the pandemic, and advocates expect that this number will grow in the coming months.

    Updated on August 28, 2020.

    Despite New Jersey’s eviction moratorium, more than 15,000 renters are facing eviction. Another 450,000 households across the state -- 40% of renters -- will be unable to afford August’s rent payment, and New Jersey could see as many 304,000 eviction filings in the next four months.

    Updated: August 12

    Governor Murphy's 3/19 order prohibited enforcement of all evictions until two months after the end of the state-wide emergency. On 7/2 he signed an order extending the public health emergency with no expiration date, essentially giving the evictions moratorium no expiration date. The State Supreme Court confirmed the suspension of residential lockouts on 6/25. Though most courts are not hearing eviction cases, landlords can still file evictions and settlement meetings can be held.  The State Legislature just passed a bill on 7/30 that allows renters at or below 100% AMI to qualify for rental repayment plans; reinforce the eviction moratorium through 60 days post emergency declaration expiration; expand on the governor's moratorium by preventing the initiation of new eviction cases until the emergency order has ended, and require landlords to provide all tenants with information about their rights and a statement of their rental debt 10 days before the moratorium expires. This bill is intended to prevent an immediate flood of evictions when the moratorium expires but has yet to be signed by the governor. 

    Updated: August 1

    In the third week of July, 27.8% of adults in New Jersey reported they had missed their previous housing payment or had little confidence they would make their next one on time, according to a weekly survey conducted by the Census. In the same survey, 471,722 renters reported they had not paid their previous rental paym

    Local housing policy experts predict that close to 40% of renters won't be able to pay their August rent, resulting in 304,000 evictions over the next fours months---a 600% increase from previous years. 49% of Black renters in New Jersey were unable to pay the last month's rent, in comparison to 18% of white renters. 61,000 households applied for New Jersey's $100 million rental assistance program, which can only support 8,000 households. 

    Updated: July 29

    According to a weekly survey by the Census, 28% of adults in the state either missed their last housing payment or have little/no confidence of being able to make next month’s housing payment.

    Updated: July 16

    COVID-19 Resources Other

    National Media

    What to Know About Housing and Rent During the COVID-19 Emergency?

    Arbor Realty Trust launched an innovative $2 million rental assistance program to help thousands of tenants and families significantly impacted by the COVID-19 outbreak. Arbor is contributing $1 million to the program and participating borrowers will match Arbor's advances to its tenants in need to help fill the rent gap during the hard-hit months of May and June. Together, the partnership program will provide $2 million in relief.