Tennessee financial assistance directory

Low-Income Help and Resources in Tennessee

If household costs are hard to manage, Tennessee has programs that may help with food, housing, utilities, healthcare, child care, cash assistance, employment, and other basic needs. Several core benefits use the One DHS Customer Portal, while housing, legal, aging, disability, and emergency services may use separate local or regional systems.

Money Fit serves Tennessee residents statewide. If debt or monthly payments are also part of the problem, call 800-432-0310 or start a confidential debt review.

Scenic Tennessee landscape

Where to start

The Tennessee Department of Human Services uses One DHS for SNAP, Families First, Child Care Payment Assistance, appeals, and several case-management functions. Housing and utility programs are routed through THDA and local agencies, while TN 211 can help identify nearby services across all 95 counties.

Find nearby help statewide

TN 211 connects residents in all 95 counties with food, housing, utility, transportation, child care, employment, healthcare, disaster, and other local resources.

Local routing matters in Tennessee. THDA does not administer Housing Choice Vouchers in every county, and local housing authorities, LIHEAP agencies, legal-aid offices, Area Agencies on Aging and Disability, and community providers serve defined geographic areas. Confirm the office or provider that serves your county before traveling or submitting documents.

Food assistance

For ongoing grocery help, start with SNAP or WIC when the household may qualify. For food needed sooner, Tennessee's emergency food network and TN 211 can help locate food banks, pantries, meal programs, and other local assistance.

State food benefit

Tennessee SNAP

SNAP provides grocery benefits to eligible Tennessee households. Applications can be submitted online through One DHS or by paper through the Tennessee Department of Human Services. Eligibility considers household circumstances, income, resources, and other federal and state program rules.

Application help: 833-772-8347

Nutrition support

Tennessee WIC

WIC provides healthy foods, nutrition education, breastfeeding support, and referrals for eligible pregnant and postpartum participants, infants, and children under age five. Services are available through county health departments and other WIC clinics statewide.

WIC information: 800-DIAL-WIC (800-342-5942)

Food needed sooner

Tennessee emergency food network

The Tennessee Department of Agriculture distributes USDA foods through five food banks and affiliated agencies under The Emergency Food Assistance Program. The state's county finder can identify food banks and affiliates serving a resident's area, and TN 211 can locate additional food resources.

Healthy SNAP Tennessee is not currently in effect. Tennessee says implementation of the pilot was suspended after a June 20, 2026 federal court ruling. The pilot had been scheduled to begin July 31, 2026. Residents should rely on current TDHS SNAP guidance rather than earlier announcements about the pilot.

Housing, rent, and utility help

Tennessee housing and energy assistance is spread across THDA, local housing authorities, LIHEAP agencies, community organizations, homelessness providers, legal-aid programs, and TN 211. Funding, service areas, and waiting lists can change.

Affordable rental search

TNHousingSearch.org

THDA sponsors a free statewide housing locator with rental listings, affordability tools, accessibility filters, and housing information. The bilingual call center can also help residents search available rentals.

Housing search help: 877-428-8844

Rental assistance

Housing Choice Vouchers

THDA administers Housing Choice Vouchers in 72 Tennessee counties. Larger metropolitan areas including Davidson, Hamilton, and Shelby counties use other housing authorities. Waiting lists open only at announced times and can remain closed for extended periods.

THDA applicant questions: 615-815-2169

Home energy assistance

Tennessee LIHEAP

LIHEAP provides one-time help with heating and cooling costs for eligible households, subject to available funding. THDA administers the program through 19 local agencies covering all 95 counties, and payments are made to the utility or energy supplier rather than directly to the household.

Home energy improvements

Weatherization Assistance Program

Tennessee's Weatherization Assistance Program helps eligible low-income households improve energy efficiency and reduce heating and cooling costs. Local community agencies and governments provide services in all 95 counties, based on available funding.

Homelessness and shelter

THDA homelessness resources and TN 211

Emergency shelter, homelessness prevention, coordinated entry, domestic violence shelter, and supportive housing are administered locally. THDA maintains county and regional homelessness resources, and TN 211 can help identify nearby shelter and intake options.

Public housing and local vouchers

Local public housing authorities

Local public housing authorities administer public housing and voucher programs in communities not served directly by THDA, including several metropolitan areas. Application periods and waiting-list rules differ by agency.

HUD public housing help: 800-955-2232

Eviction and civil legal help

Tennessee legal-aid directory

The Tennessee Administrative Office of the Courts lists nonprofit legal-aid organizations that provide certain types of free civil legal help to eligible low-income residents. Services may include housing, public benefits, consumer matters, family safety, and other civil legal issues, subject to each program's priorities and capacity.

Housing and energy programs have current limits. As of September 17, 2026, THDA lists its Housing Choice Voucher waiting lists as closed with no application dates scheduled. THDA's LIHEAP page still identifies the 2025-2026 program that opened November 1, 2025, while 2027 income and policy materials are already posted. LIHEAP remains subject to local funding, so confirm current availability with the agency serving your county before relying on assistance.

Healthcare coverage and clinics

TennCare, CoverKids, and community health centers use different eligibility and enrollment rules. TennCare Connect is the main application and account-management route for Tennessee Medicaid and CoverKids.

State health coverage

TennCare Medicaid

TennCare Medicaid covers eligible Tennessee residents in several categories, including children, pregnant people, parents or caretaker relatives, people who are elderly or have disabilities, and other qualifying groups. Eligibility depends on the category, income, household circumstances, and other program rules.

TennCare Connect: 855-259-0701

Children and pregnancy coverage

CoverKids

CoverKids provides health coverage for eligible children age 18 and younger and eligible pregnant women who are not enrolled in TennCare. Current guidance generally uses household income at or below 250% of the federal poverty level, along with other eligibility rules.

TennCare Connect: 855-259-0701

Local healthcare

Community health centers

Federally supported health centers provide primary care and may offer dental, behavioral health, pharmacy, substance-use treatment, and other services. Health centers serve insured and uninsured patients and generally offer sliding-fee discounts based on income and household size.

Medicare cost help

Medicare Savings Programs and TN SHIP

Some Medicare beneficiaries with limited income and resources may qualify for help with Medicare premiums or other costs through Medicare Savings Programs. Tennessee SHIP offers free Medicare counseling and application assistance.

TN SHIP: 877-801-0044

Child care, family, and cash assistance

Families First and Child Care Payment Assistance use the Tennessee Department of Human Services, while Head Start and Early Head Start are administered by local programs with their own openings and enrollment processes.

Child care assistance

Child Care Payment Assistance and Smart Steps

Tennessee's Child Care Certificate Program helps eligible families pay part of child care costs. Applications and case management are available through One DHS. Some families have a co-payment based on income and household size.

Temporary cash assistance

Families First

Families First is Tennessee's Temporary Assistance for Needy Families program. It provides temporary cash assistance and may include employment, training, transportation, child care, and educational support. Adults who are not exempt generally agree to work or training requirements through a Personal Responsibility Plan.

Early childhood services

Head Start and Early Head Start

Head Start programs provide early learning, health, nutrition, and family support for eligible young children and families. Local programs handle applications, eligibility, openings, and waiting lists.

Locator help: 866-763-6481

Benefit screening

Tennessee Benefit Kitchen

United Ways of Tennessee offers a free screening tool for several public benefits and tax credits. Residents can text the word Benefits to 211-211 to receive the screener and application links for programs that may match their circumstances.

Smart Steps has an active waitlist. Tennessee says a Smart Steps waitlist was implemented August 26, 2025 because of child care funding limits, and the state still directs families seeking to apply through One DHS for instructions based on their situation. Other child care assistance categories may follow different rules.

Work, legal help, and essential services

Job loss, a legal problem, or loss of affordable phone service can quickly affect housing, healthcare, transportation, and the rest of the household budget.

Unemployment benefits

Tennessee unemployment insurance

Eligible workers who lose employment through no fault of their own, or whose hours are significantly reduced, may qualify for temporary unemployment benefits. Claims are filed online through Jobs4TN and the state's unemployment claimant system.

Labor and Workforce Development: 844-224-5818

Employment and training

American Job Centers

American Job Centers serve all 95 Tennessee counties with free job-search resources, workshops, resume and interview help, recruitment events, training information, veterans services, reentry assistance, and access to Jobs4TN.

Civil legal help

Tennessee legal-aid organizations

Tennessee has nonprofit legal-aid and legal-services organizations that provide certain types of free civil legal help to eligible low-income residents. Services and income rules vary, and limited resources mean not every case can be accepted.

Phone and internet

Federal Lifeline benefit

Lifeline may reduce the monthly cost of qualifying phone or broadband service. Eligibility can be based on household income or participation in certain public benefit programs.

Lifeline Support Center: 800-234-9473

Older adults, people with disabilities, and caregivers

Tennessee's nine Area Agencies on Aging and Disability help older adults, adults with physical disabilities, caregivers, and families find local services. Other disability programs are administered through the Tennessee Department of Disability and Aging and TennCare.

Aging and disability navigation

Area Agencies on Aging and Disability

Tennessee's nine Area Agencies on Aging and Disability connect residents with meals, transportation, caregiver support, home and community-based services, Medicare counseling, long-term care information, and other local programs.

Statewide routing: 866-836-6678

Disability and community supports

Tennessee Department of Disability and Aging services

The Department of Disability and Aging provides information and intake routes for programs that may include Employment and Community First CHOICES, Family Support, Katie Beckett, OPTIONS, caregiver services, transportation, and other supports based on age, disability, and program eligibility.

Vulnerable adult protection

Adult Protective Services

Tennessee Adult Protective Services investigates reports of abuse, neglect, or financial exploitation involving vulnerable adults who cannot protect themselves because of a physical or mental limitation. Reports can be made online or through the statewide hotline.

APS Hotline: 888-APS-TENN (888-277-8366), available 24 hours a day

Crisis, safety, and disaster resources

If someone is in immediate danger, has a life-threatening medical emergency, or cannot stay safe, call 911.

Mental health and substance use crisis

Tennessee 988 Lifeline

Call or text 988 for free crisis support involving suicidal thoughts, emotional distress, mental health concerns, or substance use. Tennessee routes calls and messages through in-state crisis centers and can connect people with local resources when appropriate.

Call or text: 988

Domestic violence

Tennessee Domestic Violence Helpline

The statewide helpline provides support, referrals, safety planning, and connections to shelter and other resources for people affected by domestic violence.

Statewide helpline: 800-356-6767

Child safety

Tennessee Child Abuse Hotline

Tennessee accepts reports of suspected child abuse or neglect by phone and through a secure online portal. The hotline is the statewide reporting route, and online reports are monitored around the clock.

Child Abuse Hotline: 877-237-0004

Community resource navigation

TN 211

TN 211 covers all 95 counties and connects residents with food, housing, utilities, transportation, healthcare, child care, employment, disaster, and other community resources. Calls are free and confidential.

Call: 211
Text: ZIP code to 898-211

Current disaster status matters. As of September 17, 2026, TEMA states there are no active Tennessee declarations that include FEMA Individual Assistance. Tennessee requested new FEMA Individual and Public Assistance for Shelby County on September 8 after August storms, but that request was still awaiting federal action. Residents should check TEMA and FEMA before relying on older disaster announcements or application instructions.

If debt is also part of the problem

Review the household budget and unsecured debt together

Public assistance may help with basic expenses while credit cards, medical bills, collections, personal loans, payday loans, or other unsecured debts continue affecting the household budget. Money Fit nonprofit credit counseling can help Tennessee residents review income, expenses, debts, and possible options.

A debt management plan may organize eligible unsecured debt into one monthly payment. It is not a new loan or debt settlement. Creditor participation, concessions, account treatment, fees, and payment changes can vary.

Money Fit does not provide cash assistance, food benefits, rent assistance, utility benefits, government benefits, or emergency grants. The counseling form below is for help reviewing debt and monthly payments.

Open the Money Fit debt review form

Share a few details so Money Fit can respond to your request. Your information stays with Money Fit and is not sent to a marketplace of lenders or debt companies.

These resources can help with debt, housing, financial education, and assistance in other states.

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