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Assistance programs in Toledo and Lucas County Ohio.

Low income families in Toledo as well as Lucas County can find how to apply for financial help below. Grants based programs, loans, and other assistance programs can help pay rent or security deposits, utility bills, a mortgage, and address other needs. Get help from churches, charities, and government assistance programs in Lucas County Ohio.

There is also free food, clothes, school supplies, gasoline vouchers, as well as self-sufficiency services (job placement, computer classes, budgeting, etc.) and other support. The goal of financial assistance and free stuff from the charities is both short term and long term support. There is even seasonal assistance such as free Christmas toys, holiday meals, or even Christmas trees from some charities.

Emergency financial assistance or grants for bills, housing, medical needs, and more

The community action agency of is known as Pathway Inc. It was previously called the Economic Opportunity Planning Association of Greater Toledo, Inc. (EOPA). The agency is a non-profit community action agency that offers residents several resources and services that can provide people help with their bills. Some of the programs they offer include those listed below. However, the list is not all inclusive, so contact them to learn more or apply for any of these programs. In addition, the Salvation Army of Northwest Ohio is another organization that may be able to aid you.

  • Community action is involved in giving applications to them Home Energy Assistance Program (HEAP). This is a federally funded, energy assistance program that is administered by the Ohio Department of Development, Office of Community Service (OCS), but applications are taking by the community action. It’s main goal is to help eligible low and moderate income Ohioans and Lucas County residents meet the high costs of paying for their home heating bills.
    If you apply and are determined to be eligible for assistance from this program, the amount of your one-time HEAP cash grant will depend on federal government funding levels. The amount of financial aid will also depend on the applicants household income, how many people live with you, and also the primary fuel source that you use to heat your home. In most cases, the one-time cash grant or benefit provided to you will be a credit applied to your energy bill that is provided to you by your fuel vendor or utility company.




  • Winter Crisis Program is another option from the Pathway community action agency of Greater Toledo and Lucas County. The applicant must have received a shut off notice from the utility company, or the shutoff notice must be imminent. If someone applies for a crisis grant, the households can receive up to $175 for regulated utilities. In addition, households who are interested in aid must also enroll on a payment plan before receiving the benefit. Applicants need to be aware that the one time $175 cash grant will stop disconnection, restoration, or transfer of services on both utility and heating bills.
  • Columbia Gas TCO funds is a special energy bill assistance program. Home Energy Bill Assistance Program helps Ohio families meet the cost of rising home heating bills. They are offered by the community action agency. Columbia Gas customers can get help.
  • The Senior Emergency Housing Repair Program is arranged by community action. This program was designed to assist low to moderate income adults who are aged 62 years or older, and aid is also available for the disabled. The program will provide emergency repairs to their homes. All updates and improvements are free of charge to the homeowner.
  • Financial Literacy and Employment Programs are for Lucas County clients. EOPA helps clients increase their income, save money, and budget. There are job placement and training programs as well as workshops on how to pay down debt. Or learn about money saving techniques and other ways to get ahead financially.

Contact the Pathway Inc. community action at 505 Hamilton Street, Toledo, OH 43604, or call them at (419) 242-7304. Or get more information on their services for the less fortunate. Click here for details on the community action Pathway Inc.

Pathstone Corporation - This non-profit agency offers limited one time emergency assistance with prescriptions, rent expenses, utilities, and food aid. There is also information on affordable housing as well as transportation and other approved needs. Dial (800) 733-6436. Read more Pathstone counseling in Ohio.

Sylvania Area Family Services may from time to time have very limited utility and rental assistance for people in Sylvania Ohio. (419) 882-8415.





Catholic Charities Diocese of Toledo. They run a program known as Family Emergency Guidance. It can provide Mortgage or Rental Assistance, and one time financial assistance may be available for families or individuals facing a potential foreclosure of their home or eviction. Other programs include credit and budget counseling.

Catholic Charities also works with other agencies and churches to provide free food and meals. These are just some of the resources available for Lucas County families. Click here for more information, or call (419) 244-6711. Or read more on Catholic Charities Toledo assistance programs.

Toledo Ohio based Christ the King Church may have limited funds for Rent, Utility Assistance, Heating and Mortgage Assistance. Agency funding varies at times, based on funding available, so call early. Dial (419) 475-0909 or (419) 475-4348.

Qualified individuals may receive assistance up to once per year from Helping Hands of St. Louis Church. A maximum of $100 is provided. Receive help with utility and heating service disconnect notices, and even receive some furniture when funds are available from the church. Phone (419) 691-0613, or continue Helping Hands Toledo programs.

This agency may not have financial assistance, but they offer other programs. Monroe Street Neighborhood Center provides debt management, clothes for a new job, employment and job finding services, and computer classes. Dial (419) 473-1167.

National Multiple Sclerosis Society – Patients and their immediate families may be able to get financial assistance for rent, utilities, medical equipment, and other aid. 401 Tomahawk Drive, Maumee, Ohio 43537, dial (419) 897-9533

AIDS Resource Center of Lucas County Ohio – HIV patients and those with AIDs, or their families, can access services. Direct financial assistance can help pay rent or energy bills, and also has support groups and case management. 3450 W. Central Avenue Ste 210, Toledo, OH 43606, call (419) 241-9444 ext. 401

Salvation Army of Lucas County - In addition to the utility and heating bill assistance offered (which is detailed below) the non-profit administers a number of other resources in Lucas County and Toledo. Among them include emergency assistance for rent, transportation, and meals. Other programs can provide food, meals, and clothing.

Or call them for Christmas, Thanksgiving, and holiday meals or gifts. There may also be Christmas trees for low income families. Toledo families can apply for Angel Tree and Adopt a Family from the Salvation Army.

During the summer and fall free school supplies or backpacks can be provided too. A wide range of social services are offered. Click here Salvation Army Lucas County assistance programs.

St. Martin De Porres Social Concerns - Mostly focuses on providing referrals. Qualified and struggling Lucas County families can get referrals to help with paying for bills and expenses including rent, appliance expenses, utilities, and other basic needs. 1119 W Bancroft, Toledo, Ohio 43606, cal l(419) 241-4544 or (419) 241-4581.





Free clothing or furniture banks and basic needs are available throughout Lucas County Ohio. Low income families, and in particular children, can receive free items, clothes, furniture for their kitchen or bedroom and other basic needs. The goods available will vary throughout the year, but can include Christmas and school supplies too or even free furniture for a home. More free clothing closets, furniture and school supplies in Toledo.

Another St Vincent church is at 5562 Dorr St, Toledo, Ohio 43615. Phone (419) 531-5268. For those within the Parish boundaries and who live in the local region, the society has can provide free food boxes as well as some referrals to financial assistance with paying utilities or heating costs. There is also a low cost thrift store with furniture, beds, as well as other items.

Government benefits are available from the Lucas County Department of Job & Family Services. Low income families, the disabled, and seniors are some of the main beneficiaries of the public aid. Applications and assistance includes the following.

  • Vouchers and subsidies for child care.
  • Cash type benefits such as temporary cash assistance, Medicaid and SSDI.
  • Food assistance from SNAP and referrals to Lucas County pantries.
  • Federal USDA food programs, including free school breakfast program.
  • Job training and employment resources.
  • Other aid is available too. More Lucas County public assistance.

Mustard Seed Outreach Ministries can offer referrals and support. The non-profit can help make partial utility and heating bill payments if qualified. Other assistance can assist with preventing evictions. Address is 5420 302nd Street, Toledo, OH 43611. Call (419) 727-1800 for intake, or find details on Mustard Seed Ministry assistance programs.

Saint Vincent of Toledo and Lucas County is made up of churches and volunteers. The charity organization tries to help the poor, elderly and less fortunate. Basic needs such as clothing and food are offered. Other programs offer transportation assistance and rides to Lucas County sites. Limited financial aid is offered for emergency needs such as heating bills or housing costs including rent. More details Saint Vincent de Paul Lucas County.

Lucas County Veterans Service Commission – Has partnerships with other providers in the community, and also offers emergency financial assistance and grants available for basic needs and expense such as rent, mortgage, work clothes, utilities, public transportation, prescription medication, and food vouchers. They can help people identify and to access benefits from the Department of Veteran Affairs for veterans. 1301 Monroe Street Ste 180, Toledo, Ohio 43604 call (419) 213-6090

Car payment help is often available from non-profit credit counseling in Ohio, community action agencies as well as banks/lenders. Options in Lucas County may include payment plans, extending loans, or even eliminating the auto loan. Other solutions may be arranged too, and even find car impound payment help.

Homeless Prevention in Lucas County - Financial aid is combed with supportive services. There is help for families living in poverty, seniors, the disabled, and single mothers among others. Any support is provided at the discretion of a local non-profit. But what may be provided in Lucas County is the following.

  • Legal aid to deal with landlord/tenant issues.
  • Applications to government grants for bills and expenses such as rent or water costs.
  • Referrals to shelters, free motel vouchers, and other housing programs in Lucas County.
  • Additional services may be arranged too. More homeless prevention Lucas County.







A group of churches that partner with the Friendly Center focuses on northern Lucas County. The groups that make up the charity organization pass out surplus government commodities and operate a food pantry. They also have advice on budgeting and general, financial management sessions. Other services in Toledo from the center include free meals and workshops for senior citizens, referrals to financial aid such as HEAP or food stamps, and other resources. Read more Friendly Center assistance programs.

Free holiday programs - Clients ranging from families living in poverty to the elderly can apply for free Christmas meals, toys for children, and Thanksgiving food baskets. Churches as well as charities in Toledo and nearby cities run services such as Adopt-A-Family and Angel Tree. They support struggling households. More on Lucas County free holiday assistance.

Funds for rent - There are other places for people to turn to for assistance with paying a security deposit or emergency, one time rent help. Most of the aid, which may be in the form of a cash grant, is for families that need support in stopping an eviction. Locate further information on how to get Toledo Ohio rent assistance, including details on agencies that operate across the county.

WSOS provides some support to Lucas County Ohio as well. They may have referrals to financial aid, applications to Head Start, and job placement programs. The non-profit strives to help people overcome their challenges. More details on WSOS assistance programs.

Neighborhood Housing Services of Toledo, which can be reached at (419) 691-2900, offers housing programs as well. The non-profit administers weatherization, foreclosure prevention, on information on various Ohio mortgage and foreclosure assistance programs.

Foreclosure and general free legal aid

Low income, the elderly, and disabled can receive free legal advice. It helps with debts, loans, civil matters and other needs. The service is from Legal Aid of Western Ohio ((dial (937) 228-8088 or 419) 255-0814). They can help Toledo area homeowners prevent a foreclosure, deal with utility disconnections, advise on consumer debt and predatory lending, deal with government programs such as unemployment, and more. Ohio also has predatory lending laws, such as for payday loans. Learn more on state laws for payday loans.

Programs to get out of debt and prevent foreclosures

St. Stephen Lutheran Church teaches budgeting, debt management, offers foreclosure counseling, and financial planning services. (419) 885-1551.

Apprisen Financial Advocates - Consumer Credit Counseling Services offers debt management plans, ways to waive fees and reduce interest rates, and access foreclosure counseling programs. Phone (800) 355-2227.

Community Credit Counseling Specialists helps Toledo and Lucas County homeowners and consumers with assistance. They provide Bankruptcy Assistance, Credit Counseling and Repair, Debt Management, Personal Finances/Budget Counseling. Learn more on finding help with bankruptcies. Phone number (888) 662-3313.





Free health care

The following community clinics and medical providers offer a wide variety of medical and health care. The amount of someone’s bill will usually be on a sliding fee scale, which is their total household income. The programs usually focus on the low and people without health insurance.

  • Western Lucas County Clinic - Lucas County Health Department. (419) 213-4018. Located in Holland Ohio.
  • Neighborhood Health Association of Toledo - Medical care, and dental assistance examinations, pharmacy, and WIC is offered. (419) 255-7883
  • Toledo-Lucas County Health Department - This center focuses on adults. Access exams and general care. Dial (419) 213-4060.
  • Or locate a more extensive Lucas County free community clinic listing.

Thrift store and food pantry

The following may be able to provide groceries, fruit, access to a food pantry, clothing, household items, or more. Many also operate soup kitchens in Lucas County. Church Women United Thrift Shop (phone (419) 865-2300), Olivet Lutheran Church (call (419) 882-2077), Christian Community Church ((419) 536-8357), Friendly Center (dial (419) 243-1280), and also Mustard Seed Outreach Ministries ((419) 727-1800). Find additional Lucas County food pantries.

Utility bill assistance from Salvation Army of Northwest Ohio

The Salvation Army is another place to turn to for help. Each year they distribute tens of thousands of dollars in aid. They provide assistance whether it's your electric, gas, water or heating bill, and help those who are facing a shut off notice. While the Salvation Army won't pay your entire bill, but they will get your service back up for at least 30 days so you have some time to get further aid or pay the bill off.

In addition, you may be able to receive rent help, or medical bill assistance, as the Salvation Army assists families all year long with a variety of different expenses, and they offer numerous programs and resources to low income and struggling families. Call them at (419) 241-1138 or (419) 241-2294.


By Jon McNamara

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