In an emergency, call 000. For family violence support anywhere in Australia, call 1800RESPECT on 1800 737 732.

Housing costs are stretching households right across Australia. A national survey released in October 2026 by the campaign Everybody's Home found three in five respondents were spending more than 30% of their income on housing, and three in four would have to cut back if their rent or mortgage rose by just $20 a week (Everybody's Home).

If that sounds like you, help is available wherever you live. This page lists the main housing help line in each state and territory, and national services anyone can use.

Housing and homelessness help lines by state

These lines can help if you are homeless, at risk of losing your home, or not sure where to turn. Opening hours vary, so check the linked page.

National help anyone can use

Commonwealth Rent Assistance

If you get a Centrelink payment and pay rent above a certain amount, you may get Rent Assistance as an extra regular payment. Tell Centrelink when your rent or address changes (Services Australia).

Free financial counselling

The National Debt Helpline on 1800 007 007 offers free, confidential financial counselling in every state (ndh.org.au). Read more in our guide to free financial counselling.

Find local services

Ask Izzy is a free national directory of services such as food, housing, money help and health care near you.

Family violence

If you need to leave home because of family violence, call 1800RESPECT on 1800 737 732, any time. Your state's housing line can also help with safe accommodation.

Bills and essentials

If you can't pay an electricity, gas or water bill, call your retailer and ask for hardship or payment assistance. Every state has concessions for low-income households. For food help, see our guide to food aid and vouchers.

Tips when you call

About Nhanya Foundation

Nhanya Foundation is a registered charity based in Melbourne's west, Victoria. If you live outside Victoria, your state's housing line above is the best place to start. If you're in Melbourne's west, our accommodation support and advocacy teams can help you understand your options and connect with services. Call 03 8595 9012 or make a referral.

In Melbourne's west and struggling with housing costs? Call Nhanya Foundation on 03 8595 9012 or make a referral.

Frequently Asked Questions About Housing Stress in Australia

Who do I call if I'm at risk of homelessness in Australia?

Call your state or territory housing line: Victoria 1800 825 955, NSW Link2home 1800 152 152, Queensland Homeless Hotline 1800 474 753, SA Homeless Connect 1800 003 308, WA Entrypoint Perth 1800 124 684, Tasmania Housing Connect 1800 800 588, ACT FIRST Canberra 1800 176 468, NT Homelessness Central Intake 1800 920 333. In an emergency call 000.

What is housing stress?

Housing stress usually describes a lower-income household (in the bottom 40% of incomes) that spends more than 30% of its income on rent or mortgage repayments.

Is there free financial counselling in every state?

Yes. The National Debt Helpline on 1800 007 007 offers free, confidential financial counselling across Australia.

Where can I find local help services?

Ask Izzy (askizzy.org.au) is a free national directory of services such as food, housing, money help and health care.

Does Nhanya Foundation help people outside Victoria?

Nhanya Foundation is based in Melbourne's west, Victoria. If you live elsewhere, your state's housing line is the best place to start.