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State Financial Resources

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Financial assistance programs North Carolina.

Low to moderate income families can receive grant money and financial assistance in all counties and cities in North Carolina listed below, including Charlotte and Raleigh. Get help with paying bills (including utility or electric), rent, free food, medical care, or assistance with housing. There is help with mortgage payments or free gasoline cards, or dental care, from charities as well as government assistance programs.

Free stuff and housing programs are also available across NC. There are free clothes, auto loan payment programs or car repair services for work reasons. Or residents can find low-income housing or apartments, free clothes or groceries from pantries or dental or medical care at clinics along with emergency cash assistance from social services. Find where and how to get help below.

Find free grant money for paying bills or free stuff in NC for lower income households

Child Care Financial Assistance
North Carolina's Division of Child Development provides aid using a combination of federal and state government funds to provide subsidized child care services to qualified families through a locally administered state-supervised voucher system. If a family in North Carolina meets the program eligibility criteria, the state of North Carolina will pay a portion of the cost of child care expenses and bills. Call  1-800-859-0829, or read more free daycare in North Carolina.

Temporary Assistance for Needy Families (TANF) program, also known as Work First
Through the Work First government assistance program, parents who need help can get short-term training and other services that will help them become self-sufficient as well as employed. However, the overall responsibility is theirs, and most families that receive this government aid have two years to move off Work First Family Assistance. Dial 1-800-662-7030

Medicaid for Infants and Children (MIC)
Provides medical coverage, grants, and help with health care bills for children under age 19 who need assistance. It is one of the many types of free health insurance policies.

North Carolina Health Choice for Children (NCHC)
The NCHC program is a free or reduced price comprehensive health insurance plan that is aimed at children from low income families. If your family currently makes too much money to qualify for Medicaid, but they make too little money to afford the typical rising health insurance premiums, then your children may qualify for NCHC. Call 1-800-662-7030




Housing Assistance and Home Improvement for the elderly
An optional county service that can assist both older adults (seniors over the age of 60) in NC. Agecy on Aging runs it. There is help for those who either currently reside in or who may return to independent housing to: 1) become better informed about available housing resources and to 2) have full access to a higher standard of living by utilizing one or more state, federal, and local government assistance home improvement funding sources. People over 60 can call 919-855-3400.

Free Prescription Drugs
Med-assist, which is located in Charlotte, will serve as the centralized North Carolina state pharmacy. Pharmacists located at Med-assist fill prescriptions and then they will mail them to clinics located throughout North Carolina. That's where qualified patients can pick up the free prescription drugs. Call 866-331-1348.

Mortgage Help and Foreclosure Assistance
Find North Carolina programs that will help you with paying your mortgage. Counselors, resources available in your town and county, and other statewide programs can also help reduce foreclosures. Read more North Carolina mortgage assistance.

In addition, numerous non-profit housing agencies, which are certified by the federal government HUD agency, provide mortgage advice and foreclosure counseling. Click here North Carolina HUD agencies.

Home Repair Assistance
Several programs are offered. The Single-Family Rehabilitation Program will help lower income families with major repairs, the Urgent Repair Program helps elderly and special needs families with repairs and enhancements. There is also the Displacement Prevention Partnership will help with paying for home repairs or modifications if you need them as a result of an illness. Call 919-877-5700

Government Assistance for Telephone Bills
North Carolina families can enroll into FCC supported programs such as Lifeline. It will provide the household with a discount on their monthly bill, whether it is a cell unit or a home phone. The program can also pay a portion of installation or activation costs. More on North Carolina Lifeline program.

North Carolina Senior Assistance
A number of resources and assistance programs are offered for adults over 55 years of age. The Division of Aging and Adult Services works with local Area Agency on Aging offices to administer programs for seniors and the elderly, including food, health insurance, medications, and other aid. More Agency on Aging in North Carolina.





Emergency Assistance
North Carolina families who are experiencing a financial crisis or emergency may be eligible for financial help to pay for housing, rent, mortgages, and utility bills. Contact your local community action agency and ask about the state emergency assistance program. Learn more on emergency assistance in North Carolina.

There is also emergency assistance to help with rental payments in North Carolina. Tenants close to eviction, the unemployed, single others, veterans and others can apply for grant money or funds from charities. Or seeking legal aid, rehousing, and other resources.. Find other rental assistance in North Carolina.

Food and Nutrition Services (FNS)
Food and Nutrition Services is a North Carolina entitlement program. It allows all eligible households and individuals to receive assistance with food, nutritional needs and grocery bills. The programs benefits may be used to purchase most groceries at numerous participating stores. The benefits may not be used to purchase pet food, tobacco, paper products, soap products, or any type of alcoholic beverages. Call 919-733-3055 or 1-866-719-0141.

Assistance and Benefits for the Disabled
Individuals with a disability and sometimes their families can receive help. North Carolina offers services such as home care, meals and food, job training, medical assistance, help in applying for disability benefits, and other support. More on disability programs in North Carolina.

North Carolina Legal Aid
Receive free legal consultations and advice from this federal government funded program. Read more North Carolina free legal aid.

Resources from Energy and Utility Companies
In addition to the financial aid and energy bill assistance programs that you will locate in your county, click here for other North Carolina utility assistance programs that are offered across the state. Many companies offer emergency funds, payments plans, and other support to low income customers.

Crisis Assistance
While resources can be limited, the Salvation Army has dozens of centers across North Carolina. Programs can help people pay for their bills and living expenses in an emergency. Read more on Salvation Army services in North Carolina offered.

Employment Programs, Crisis Grants, and Educational Services
Your local community action agency will assist residents with gaining new skills, finding a job, and paying bills while they look for work. Other services offered include Head Start for children, senior assistance programs, home repairs, information on government assistance grants and much more. More details on community action agencies in North Carolina.





North Carolina Short Term and Low Income Housing
Individuals facing imminent eviction or the currently homeless can explore transitional housing resources. The non-profits that run them will offer qualified candidates self-sufficiency, housing and help in finding and paying for a more permanent home to live in. More transitional housing North Carolina.

Job Search and Training Assistance
Services are available for the under and unemployed in North Carolina. JobLink Career Centers and other government programs provide training, referrals, and help with preparing for and conducting a search for a new job. Continue with job training in North Carolina.

Income Producing Opportunities
There are a number of ways to make some extra money, some of it quickly. Everything from selling items to gig economy work, work at home jobs in NC, and much more. Read more on getting cash in an emergency.

Debt, Credit, and Financial Counseling
If you are faced with high credit card or medical debts, need credit repair services, or are faced with bankruptcy in North Carolina, various non-profits offer financial services. Get a listing of free or low cost North Carolina credit counseling organizations.

Programs to Prevention Evictions and Help the Homeless
Federal government grants are available from non-profit agencies. Funds can be used to pay the security deposit on low income housing or help North Carolina families pay overdue rent to prevent homelessness. Shelter and case management is available as well. Click North Carolina eviction help.

Free Health Care Centers
The low income and people with no health insurance may be eligible to receive either low cost or free health care from clinics. Get information on North Carolina free community clinics.

Residents also have access to dental clinics in North Carolina. Numerous free or low cost care may be provided. Click here free dental clinics in North Carolina.

Individuals who are under or uninsured can also apply for government and non-profit medical bill assistance programs. Several resources are available for low income children, seniors, and families with pre-existing conditions. Read North Carolina uninsured health care programs.

Rent Payment Vouchers
North Carolina families that meet low income levels can receive government help with paying their monthly rent expense. The section 8 housing choice government assistance program administered by HUD and local PHAs offers partial assistance for housing costs and is for seniors, disabled, and income qualified residents. More details on section 8 housing Choice Vouchers in North Carolina.






Free Food Banks, Pantries, and Distribution Centers
Hundreds of food banks provide food, groceries and other forms of non-monetary support to needy families and individuals. Tens of thousands of families access the food banks every year. Click here to find a North Carolina free food pantry location.

Social Services
Several statewide programs can provide cash assistance, food, medical bill help, and other aid to the low income. A focus is on families with children, seniors, and disabled. Read more on public assistance in North Carolina.

Low Income Energy Assistance Program (LIEAP)
A Federally government funded assistance program that will provide for a one-time cash payment to those families that need it to help eligible families pay their winter heating bills. This payment is usually sent out in February of each year. More on LIEAP in NC.

North Carolina Weatherization Assistance Program (WAP) and Heating and Air Repair and Replacement Program (HARRP)
The Weatherization Assistance Program was created to help citizens with saving money on utility bills and reduce energy expenses. It does this through the free installation of energy conservation improvements and materials. Apply along with LIEAP (see above).

The Heating and Air Repair and Replacement Program (HARRP) works closely with the Weatherization Assistance Program to help repair and/or replace old and inefficient heating and air systems in the homes of lower-income families. The government program especially focuses on the elderly, families with children, and individuals with disabilities. Contact a community action agency to apply.

Assistance From North Carolina Cities and Counties

Find emergency or long term financial assistance by county and/or city below. Select your region below. There are charities, government agencies and other places for help in NC, including basic needs as well.

Alamance County (Graham)

Alexander County (Taylorsville)

Alleghany County (Sparta)

Anson County (Wadesboro)

Ashe County (Jefferson)

Avery County (Newland)

Beaufort County (Washington)

Brunswick County (Bolivia)

Buncombe County (Asheville)

Burke County (Morganton)

Cabarrus County (Concord)

Caldwell County (Lenoir)

Camden County

Carteret County (Beaufort)

Catawba County (Newton)

Cherokee County (Murphy)

Chowan County (Edenton)





Clay County (Hayesville)

Cleveland County (Shelby)

Columbus County (Whiteville)

Craven County (New Bern)

Cumberland County (Fayetteville)

Currituck County

Dare County (Manteo)

Davidson County (Lexington)

Davie County (Mocksville)

Durham County

Edgecombe County (Tarboro)

Forsyth County (Winston Salem)

Franklin County (Louisburg)

Gaston County

Gates County (Gatesville)

Graham County (Robbinsville)

Granville County (Oxford)

Guilford County (Greensboro)

Harnett County (Lillington)

Henderson County (Hendersonville)

Hyde County (Swanquarter)

Iredell County (Statesville)

Johnston County (Smithfield)

Lincoln County (Lincolnton)

Macon County (Franklin)

Martin County (Williamston)

Mecklenburg County (Charlotte)

Mitchell County (Bakersville)

Montgomery County (Troy)

Moore County (Carthage)

Nash County (Nashville)

New Hanover County (Wilmington)

Onslow County (Jacksonville)

Orange County (Hillsborough)

Pasquotank County (Elizabeth City)

Pender County (Burgaw)

Perquimans County (Hertford)

Person County (Roxboro)

Pitt County (Greenville)





Randolph County (Asheboro)

Richmond County (Rockingham)

Robeson County (Lumberton)

Rowan County (Salisbury)

Rutherford County (Rutherfordton)

Scotland County (Laurinburg)

Stanly County (Albemarle)

Stokes County (Danbury)

Swain County (Bryson City)

Surry County (Dobson)

Tyrrell County (Columbia)

Union County (Monroe)

Vance County (Henderson)

Wake County (Raleigh)

Warren County (Warrenton)

Washington County (Plymouth)

Watauga County (Boone)

Wayne County (Goldsboro)

Wilkes County (Wilkesboro)

Wilson County

Yadkin County (Yadkinville)

Yancey County (Burnsville)

By Jon McNamara

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