COMMUNITY RESOURCE GUIDE · CR-3

Start with the problem in front of you

Help Paying Rent and Utilities in the Des Moines Metro

Updated July 31, 2026 · Des Moines Digest · About 22 minutes

A person sorting household bills and a utility envelope at a kitchen table in soft daylight.

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A rent shortfall, a three-day notice, an eviction hearing, a utility shutoff warning, and having nowhere to sleep tonight are five different emergencies. The right first call depends on which one is happening now. This guide is organized by stage so you can skip the programs that do not fit and move directly to the next useful step.

Urgent starting pointCall 211 or (866) 813-1731 any time when you are unsure where to begin. If you have a court date, call Iowa Legal Aid at (800) 532-1275. If you are in immediate danger, call 911.

Assistance programs are often financed through separate county budgets, federal allocations, utility funds, and private grants. That means availability can change during the year. When a worker says a fund is exhausted, ask whether the application list is closed, whether another fund is open, and whether there is a date to call back. Then make a second call rather than treating one denial as a final answer.

Do not wait until every document is perfect. Start the call, explain the deadline, and ask what can be submitted later. At the same time, never send Social Security numbers, bank statements, or identification to an address or text number you have not confirmed through an official agency website.

START HERE

Choose the Stage You Are In

Do not start by calling every agency. Pick the box that matches what is happening today.

Rent is tight, but no notice yet

Call Polk County General Assistance at (515) 286-2088. Gather your lease, income proof, landlord contact information, and the exact amount owed.

You received a three-day notice

Call Iowa Legal Aid at (800) 532-1275 today. Also contact Polk County General Assistance and tell them a notice is active.

An eviction case was filed

Do not miss the hearing. For a Polk County case, arrive about 45 minutes early and find the eviction help desk on the second floor of the courthouse.

Your gas or electric may be shut off

Call the utility first to request a payment agreement, then contact IMPACT at (515) 518-4770. For an after-hours disconnection or non-working furnace, call (515) 681-8472.

You have nowhere to sleep tonight

During weekday intake hours, go to PHC Centralized Intake. After hours, adults can call Central Iowa Shelter & Services at (515) 284-5719; families should call 211.

You were locked out or utilities were shut off by the landlord

A landlord cannot remove you without a court process and sheriff enforcement. Call Iowa Legal Aid promptly and document what happened.

Worth knowingEmergency assistance is usually need-based and limited by the money available at that moment. A program being out of funds does not mean every option is closed. Ask the worker what to call next, then use 211 to check smaller local programs.

Before Any Notice Arrives

This is the point where a small amount of help can prevent legal fees, a court filing, and a housing record.

Tell your landlord early. Ask whether the landlord will accept a partial payment, a written payment schedule, or a short extension. This is not a legal protection, but an agreement is more useful when it is made before the account is far behind. Put any agreement in writing and keep proof of every payment.

A landlord conversation works best when the request is specific. Instead of saying “I will pay soon,” offer a date and amount you can actually meet: “I can pay $___ on ___ and the rest on ___.” Ask whether late fees will continue, how payments will be applied, and whether the landlord will pause a notice while an assistance application is reviewed. A promise by phone is hard to prove, so send a short follow-up text or email summarizing the agreement.

Polk County General Assistance is the main local starting point for eligible Polk County households. Call (515) 286-2088, email ga.documents@polkcountyiowa.gov, or go to Polk County River Place, 2309 Euclid Avenue, if immediate in-person help is needed. The county says income limits apply, applicants must show enough ongoing income to remain in the home after assistance, and the landlord must agree to accept the county voucher.

Polk County’s assistance is designed for a temporary emergency, not an open-ended rent subsidy. The county’s current page says applicants need enough continuing income to afford the home after the assisted month. Be prepared to explain both parts of the story: what caused this month’s gap and why the normal rent will be manageable afterward.

Correction to earlier versionsPolk County’s current Iowa pages do not publish a $12,000 maximum. This guide does not promise a specific award amount. The amount and availability depend on eligibility, documented need, county policy, and current funds.

IMPACT remains a strong first call for energy help and for referrals across its five-county area. Its published short-term housing program currently lists Boone, Jasper, Marion, and Warren counties, not Polk County. Polk residents should not assume that a general IMPACT housing appointment replaces Polk County General Assistance; ask IMPACT whether a separate grant or court-based program is open for the exact situation.

Before calling, gather a photo ID, the lease or other proof of the rent obligation, recent income documents, the landlord or property manager’s contact information, notices or account statements, and the exact amount needed. If you have applied elsewhere, keep confirmation emails and case numbers.

Identity: photo ID and household member information

Housing: lease, landlord contact, and current rent amount

Income: pay stubs, benefits letters, or other current proof

Debt: ledger, notice, utility bill, or exact past-due balance

Plan: what changed and how next month will be affordable

Proof: receipts, emails, application numbers, and screenshots

Ask about free financial counseling through Polk County’s Financial Empowerment Center. Counseling will not replace emergency money, but it can help with a landlord plan, debt priorities, credit reports, and the next month’s budget.

Small church, township, city, and nonprofit funds are difficult to keep in a static list because their eligibility rules and balances change. When calling 211, ask for one-time rent assistance in your ZIP code, not only “housing help.” Also ask whether a program requires a formal notice, whether it pays a landlord directly, and whether it accepts applications from people who have already received county help.

What to say“I live in Polk County. I am short $___ for rent due on ___. I have not received a notice yet. My normal monthly income is $___, and the problem was ___. What documents do you need, and is funding open today?”

A Three-Day Notice: What It Really Means

The general timeline

The exact dates depend on service and court scheduling, but this sequence shows why the first week matters.

1. Rent becomes unpaid. No court case exists yet. Check the lease for the due date, grace period, and allowed late fees.

2. Written notice is served. For nonpayment, the cure period is short. Save the notice and get legal advice about the service date.

3. The notice period expires. The landlord may file an eviction case. Filing is not automatic, but it becomes legally possible.

4. A hearing is scheduled. Iowa’s statutory schedule is fast—generally within eight days of filing, or up to fifteen days in the allowed circumstances.

5. The judge decides possession. A settlement may resolve the case, or the court may enter judgment for one side.

6. Removal requires official process. The landlord cannot carry it out personally. A sheriff or other authorized officer enforces the court’s order.

A notice starts a short legal deadline, but it is not the same thing as a court order telling you to leave immediately.

For nonpayment of rent, Iowa Code section 562A.27 generally allows a landlord to terminate the rental agreement if the rent is still unpaid three days after written notice. Paying the full amount required within the cure period generally stops that nonpayment termination.

How the notice was served matters. Iowa law includes specific service methods, and service by mail is treated as complete after a statutory mailing period. Do not calculate the deadline from a general internet summary. Save the envelope, take a clear photo of every page, note when and how you received it, and ask Iowa Legal Aid to review the dates.

A notice that uses the wrong reason, omits required information, or is served incorrectly may create a defense, but a tenant should not assume a defect ends the dispute. Landlords can sometimes serve a corrected notice and begin again. The practical response is to preserve the defective paper, raise the issue promptly, and keep working on payment or another housing plan.

Do not move out only because the paper says three daysThe landlord still must file an eviction case and obtain a court order. Only an authorized officer can carry out the removal. A notice is urgent, but it is not permission for a landlord to change the locks, remove property, or shut off utilities.

Call Iowa Legal Aid at (800) 532-1275 as soon as the notice arrives. Online applications are available through its website. Legal Aid does not guarantee representation, so an early application gives staff more time to review the notice and court record.

Call Polk County General Assistance the same day and use the words active three-day notice. Ask whether the county can open an application quickly and what proof must be sent immediately. Keep your landlord informed if a real application is moving, but do not promise a payment date an agency has not confirmed.

If the full cure amount is available, ask for a written balance and a receipt showing the payment was accepted. If only part is available, ask how the landlord will apply it and whether acceptance changes the notice. Partial payment can have legal consequences that depend on the facts, so do not rely on a verbal assumption from either side.

Keep a deadline sheetWrite down the date rent was due, the date and method of notice delivery, the cure deadline you were given, every agency called, the name of each worker, and the next action. Housing cases move too fast to rely on memory.

When an Eviction Case Is Filed

Iowa eviction cases move quickly. The hearing date may be only days after filing, so the court paper takes priority over ordinary callbacks and paperwork.

Under Iowa’s eviction procedure, the hearing is generally scheduled no later than eight days after the case is filed, although it may be set as late as fifteen days when the landlord requests or agrees to the later date. Read the court papers carefully and confirm the time and courtroom through Iowa Courts if anything is unclear.

Show up. Missing the hearing can lead to a default judgment even when you had a defense, payment proof, or assistance application. Bring the notice, lease, rent ledger, receipts, messages with the landlord, photos, assistance confirmations, and any document that explains your side.

If attendance is truly impossible, contact the clerk and Iowa Legal Aid before the hearing. A phone call does not automatically continue the case, and telling the landlord is not the same as notifying the court. Ask what formal request is required.

At the hearing, the judge is usually deciding who has the present right to possession. The landlord may present the lease, payment ledger, notice, and proof of service. The tenant may raise payment, notice, service, retaliation, habitability, or other defenses supported by the facts. Keep answers focused on dates, documents, and what the notice alleges.

For Polk County cases, the Eviction Diversion Help Desk operates when eviction hearings are scheduled. It is on the second floor of the Polk County Courthouse, 222 Fifth Avenue, next to the elevator. Iowa Legal Aid asks tenants to arrive about 45 minutes before the hearing so there is time to talk before the case is called.

Legal help is not automaticThere is no general right to a court-appointed lawyer in a civil eviction case. Iowa Legal Aid serves eligible people based on income, legal priorities, and available staff. Apply early even when you expect to settle.

At the help desk, staff may review legal issues and connect eligible tenants with current diversion or rental-assistance options. The goal can be a payment agreement, dismissal, move-out agreement, or another resolution, but no result is guaranteed. Read every proposed agreement before signing and ask what happens to the court case and any money claim.

An eviction case may involve possession, money, or both, and those issues do not always move on the same schedule. A deal that gives more time to move can still include unpaid rent, fees, or a later money judgment. Ask the help desk or attorney to explain each part before you agree.

Iowa Legal Aid’s Central Iowa office is at 606 Walnut Street, 25th Floor, Des Moines. Earlier drafts of this guide listed 666 Walnut; that address was incorrect. The statewide intake number used in this guide is (800) 532-1275.

Ask these three questions before agreeingWill the eviction case be dismissed? Does the agreement include a money judgment or fees? What exact date and payment amount must be met to avoid removal?

If the judge rules for the landlord, ask immediately when an enforcement officer could arrive, whether an appeal deadline applies, and whether the landlord will agree to a short, written move-out schedule. Do not assume there will be several more weeks. Use the remaining time to protect medicines, documents, work equipment, children’s school items, and anything that would be difficult to recover.

An eviction filing can affect future rental applications. Iowa Legal Aid says Iowa law does not generally erase eviction court records. If a tenant-screening report contains inaccurate information, ask Legal Aid about correcting the court record or disputing the screening report rather than assuming the case can be sealed.

A Utility Shutoff Notice Has Different Rules

Gas and electric disconnections are governed by utility rules, not the eviction process. Call the utility and an assistance agency on the same day.

The Iowa Utilities Commission says regulated gas and electric utilities generally must provide at least twelve days’ written notice before disconnection. When a customer has not defaulted on a previous payment agreement, the utility must offer a reasonable agreement that gives at least twelve months to pay the past-due amount.

Ask directly: “I am requesting the payment agreement available under Iowa customer-rights rules.” If you already defaulted on an agreement, the protections and notice period may be different, so ask the utility to explain the current balance, the minimum needed to stop disconnection, and the exact terms in writing.

Customer-rights details worth asking about

Regulated utilities generally disconnect on weekdays during limited daytime hours, not at night, on weekends, or on holidays.
A prior default on a payment agreement may reduce the notice before a new disconnection attempt.
Medical conditions may support additional procedures or documentation, but they do not automatically cancel a bill.
Budget billing smooths seasonal bills; it is different from forgiveness or emergency assistance.

Cold-weather protectionA regulated utility may not disconnect service when the forecast calls for 20°F or colder during the next 24 hours. Iowa also has winter protections from November 1 through April 1 for households certified eligible for LIHEAP or Weatherization. Applying and notifying the utility before the shutoff date matters.

For MidAmerican Energy, call (888) 427-5632 or use the company’s payment-assistance page. For Black Hills Energy, call (888) 890-5554 and ask for all available payment arrangements, due-date extensions, budget billing, and energy-assistance options.

When negotiating, ask the representative to compare all options, not just the first one offered: a formal payment agreement, due-date change, budget billing, deposit arrangement, LIHEAP referral, charitable fund, or a hold while documents are reviewed. Repeat the final terms back and ask for written confirmation.

IMPACT Community Action Partnership administers LIHEAP and other energy assistance in Boone, Jasper, Marion, Polk, and Warren counties. Call or text (515) 518-4770. For an after-hours disconnection or non-working furnace, call (515) 681-8472 or email energyassistance@impactcap.org.

Seasonal status as of July 31, 2026The 2025–26 LIHEAP application period is closed. IMPACT says online applications for the 2026–27 season reopen in October 2026. Priority households with a member who is 60 or older or disabled can generally apply beginning October 1; other eligible households begin November 1.

LIHEAP is generally a one-time seasonal benefit paid toward the household’s heating cost. Eligibility is based on income and household information, and funding is not unlimited. Weatherization is a separate program focused on long-term energy efficiency. Ask IMPACT whether one application or appointment can screen the household for both.

If you apply for LIHEAP during the winter protection period, tell both the gas and electric utility that an application is pending. Iowa rules can provide a temporary delay while eligibility is reviewed, but an application does not erase the balance. Continue working on a payment agreement.

Water bills follow the local water provider’s policies and may not have the same state-regulated disconnection rules as gas and electric service. Call the water provider immediately. IMPACT says limited water assistance may be available, including Project H2O for eligible Des Moines Water Works customers with a termination notice, subject to funding.

If the utility will not follow the rulesFirst ask for a supervisor and record the date, time, and representative’s name. Then contact the Iowa Utilities Commission at (877) 565-4450 or (515) 725-7300.

Be cautious with urgent payment demands. A real disconnection notice can be verified by calling the number on the utility’s official website or your established online account. Do not pay through gift cards, cryptocurrency, a QR code sent by a stranger, or an unfamiliar payment app because a caller threatens immediate shutoff.

If You Have Nowhere to Sleep Tonight

The best route changes with the time of day, the household type, and whether safety or domestic violence is involved.

During weekday intake hours: Go to Primary Health Care Centralized Intake, 1200 University Avenue, Suite 110A, west entrance. Hours are Monday through Friday, 8 a.m.–3:30 p.m., walk-ins only. Arrive early; PHC says waits may reach 90 minutes and same-day help is not guaranteed. For access barriers or a work-hours conflict, call (515) 248-1850.

Centralized Intake is a coordinated assessment, not a guarantee that a shelter bed or apartment will be available the same day. The value is that one assessment can connect a household to multiple participating programs without starting from zero at every agency. Arriving early improves the chance of completing intake that day.

Homeward coordinates the regional homelessness system, data, funding, and planning. It is not a direct emergency shelter and should not replace PHC, 211, or a shelter call when someone needs a place tonight.

Important correctionCentralized Intake is not a 24/7 same-night shelter hotline. Its current service is a weekday walk-in entry point. After hours, use the direct shelter and 211 routes below.

Adults after hours: Call Central Iowa Shelter & Services at (515) 284-5719. CISS, 1420 Mulberry Street, operates a 24/7/365 low-barrier emergency shelter for adults age 18 and older.

Families with minor children: Call 211 or (866) 813-1731 after hours. Polk County says families who cannot access a family shelter may be referred through 211 for a one-night hotel stay, with required follow-up at PHC the next business day. Availability and eligibility are not guaranteed.

Current family-shelter programs include Families Forward’s New Directions Shelter, which lists (515) 243-7456, and the Catholic Charities Emergency Family Shelter. Both direct families to PHC Centralized Intake for community placement.

Families Forward is the current organization formed from the 2023 merger of Bidwell Riverside Center and Hawthorn Hill. Its New Directions program remains active. The separate organization formerly called Family Promise of Greater Des Moines ended operations in 2023 and has been removed from this guide.

Men: Hope Ministries’ Bethel Mission, 1310 Sixth Avenue, can be reached at (515) 244-5445. Women and children: the Hope Center for Women and Children, 3800 East Douglas Avenue, can be reached at (515) 264-0144.

If domestic violence, sexual assault, stalking, or safety at home is part of the crisis: Contact the Iowa Victim Service Call Center at (800) 770-1650 or text IOWAHELP to 20121. It is available 24/7 and can connect you with safety planning and confidential shelter services.

Veteran household: PHC’s Supportive Services for Veteran Families program serves eligible households in Dallas, Jasper, Marshall, Polk, Story, and Warren counties. Call (515) 248-1851.

Bring what you haveIdentification and documents are useful, but PHC says to come even if you do not have them. For same-night shelter, be ready to explain who is in the household, ages, accessibility or medical needs, pets, transportation, and immediate safety concerns.

For a household with pets, mobility equipment, a caregiver, medical needs, or a person who cannot safely use a congregate shelter, say that at the first contact. Do not wait until arrival. The intake worker may need to look for a different placement, transportation plan, or accommodation.

During officially activated extreme-cold conditions, Polk County may expand emergency shelter access and DART may provide free transportation to designated warming or shelter locations. Check the county’s Extreme Temperature and Sheltering Resources page or call 211 for current activation information.

Polk County’s published extreme-temperature thresholds include a wind chill of 10°F or colder for three or more days, 5°F or colder for two or more days, or 0°F or colder for one day. Activation details can change with the event, so confirm the current plan instead of assuming weather amnesty is active.

Know the Rights That Protect Your Next Step

These rules do not solve the money problem, but they can prevent an illegal lockout, preserve a defense, and protect evidence.

No self-help eviction. A landlord cannot legally remove you by changing the locks, shutting off utilities, or putting belongings outside without first completing the court process. If that happens, document it immediately and call Iowa Legal Aid.

If a landlord uses self-help, avoid escalating a physical confrontation. Photograph the lock, door, posted papers, utility meter, or removed belongings; save messages; note witnesses; and call law enforcement if property is being taken or someone is in danger. Then contact Legal Aid about emergency civil remedies.

Security deposits. Iowa law generally caps a rental deposit at two months’ rent. After you move, give the landlord a forwarding address or delivery instructions. The landlord generally has 30 days after receiving that information to return the deposit or provide a written itemization of deductions.

A landlord who misses the required deposit accounting may lose the right to keep the deposit, although the landlord may still bring a separate claim for actual damages. Keep proof of the forwarding address, move-out photos, cleaning receipts, and the date the keys were returned. Small claims court may be an option when the amount is within the court’s limit.

Retaliation. Iowa law limits retaliation when a tenant makes a good-faith complaint about code or health-and-safety conditions, complains to the landlord about duties under the rental law, or joins a tenant organization. The facts and timing matter, so tell Legal Aid about any notice or rent increase that closely followed a complaint.

Repairs and habitability. Iowa law lists landlord duties involving basic services and safe conditions. Tenant remedies have notice and procedural requirements. Do not withhold rent, deduct repair costs, or move out based only on general advice; get legal guidance about the specific condition first.

For repair problems, send written notice that identifies the condition, when it began, how it affects health or safety, and a reasonable way to enter the unit. Keep a copy. City code enforcement can inspect serious conditions, but a citation does not automatically authorize a tenant to stop paying rent.

Document everything. Keep the lease, notices, envelopes, rent receipts, account ledgers, maintenance requests, photos, videos, texts, emails, and call notes. Save copies outside the home or in cloud storage in case access to the unit is lost.

When communicating with a landlord, keep the message factual and short. Separate the repair request from the rent issue, and avoid threats or statements you cannot prove. A clean written timeline is easier for a lawyer, agency worker, or judge to use later.

Legal-information noteThis guide gives general information, not legal advice. Deadlines and defenses can turn on lease language, notice wording, service method, payment history, and local court facts. Iowa Legal Aid or another Iowa attorney should review the actual documents.

Outside Polk County and Longer-Term Options

County programs and courthouse help desks do not always cross county lines, even when the housing crisis feels like one Des Moines metro problem.

IMPACT’s service area includes Boone, Jasper, Marion, Polk, and Warren counties for energy programs. Its currently published short-term Housing Preservation Program lists Boone, Jasper, Marion, and Warren counties rather than Polk County. Residents of Dallas County or another county should call 211 for the correct local general-assistance or community-action office.

Metro boundaries can be confusing. Waukee and much of Dallas County use different county assistance systems than Des Moines. Norwalk, Indianola, and Carlisle may route through Warren County resources even though residents commute and use Des Moines services. Give 211 the home address or ZIP code so the referral is based on jurisdiction, not the nearest large city.

Iowa landlord-tenant law applies statewide, but the Polk County courthouse help desk is tied to Polk County hearing schedules. If your case is filed in Dallas, Warren, or another county, call Iowa Legal Aid and ask whether a help desk or diversion program operates at that courthouse.

Long-term rental subsidies are different from emergency rent assistance. As of July 31, 2026, the Des Moines Municipal Housing Agency says its Section 8 Housing Choice Voucher waiting list is closed. Its main housing page also posts current public-housing waitlist information and a rental-assistance finder. Check the page rather than relying on an old application link.

DMMHA’s current page says some public-housing applications are still accepted for households of two people or fewer even while larger-bedroom lists and the Section 8 list are closed. That status can change. Read the current notice and apply only through the official city page to avoid paid “application” scams.

If a veteran is in the household, do not wait for a general voucher list to reopen. PHC’s SSVF program can help eligible low-income veteran households that are homeless or at imminent risk, including households in several central Iowa counties. This is a targeted program with its own rules, not a general rent fund.

If you own the home and are behind on a mortgage, do not use rental-assistance rules as a substitute for foreclosure advice. Contact Iowa Legal Aid and a HUD-approved housing counselor to review loss-mitigation options and deadlines.

Homeowners should open every mortgage-servicer letter and ask for the loss-mitigation department. A HUD-approved counselor can help organize income, hardship, and mortgage documents for a repayment plan, forbearance review, or modification request. Foreclosure timelines differ from eviction timelines, so do not use the three-day notice section for a mortgage problem.

Long-term help is not same-week helpVoucher, public-housing, supportive-housing, and rapid-rehousing programs have separate eligibility rules and limited openings. Apply when a program is open, but keep working the immediate rent, court, utility, or shelter plan at the same time.

Quick Reference: Who to Call

Hours, funding, and intake methods change. When a line does not fit your situation, ask for the next specific referral before ending the call.

211 Iowa

Dial 211 or (866) 813-1731

24/7 referral and after-hours family shelter routing

Polk County General Assistance

(515) 286-2088

Rent, utility, and emergency assistance for eligible residents

Iowa Legal Aid

(800) 532-1275

Eviction notices, hearings, lockouts, deposits, and tenant rights

Polk County Eviction Help Desk

Arrive 45 minutes early

Second floor, Polk County Courthouse, on scheduled hearing days

IMPACT

(515) 518-4770

LIHEAP and utility assistance in its five-county service area

IMPACT Emergency Line

(515) 681-8472

After-hours disconnection or non-working furnace

MidAmerican Energy

(888) 427-5632

Payment arrangements and disconnection concerns

Black Hills Energy

(888) 890-5554

Payment arrangements and customer assistance

Iowa Utilities Commission

(877) 565-4450

Customer-rights questions and unresolved regulated-utility complaints

PHC Centralized Intake

(515) 248-1850

Mon–Fri walk-in entry point for Polk County homeless services

Central Iowa Shelter & Services

(515) 284-5719

24/7 emergency shelter for adults 18+

Families Forward New Directions

(515) 243-7456

Emergency family shelter; community placement through Centralized Intake

Hope Ministries

(515) 244-5445 men · (515) 264-0144 women/children

Emergency shelter programs

Iowa Victim Service Call Center

(800) 770-1650 · text IOWAHELP to 20121

24/7 confidential domestic violence and sexual assault support

One last call script“My immediate problem is ___. The deadline is ___. I live in ___ County. I have already called ___. Can your program help with this exact stage, and if not, what is the next specific number or office?”

This guide was checked against current agency, court, utility, and nonprofit information on July 31, 2026. Funding and intake capacity can change faster than phone numbers, so confirm availability when you call.

The most useful next step is the one matched to today’s deadline—not the longest list of programs.

Help Keep This Guide Current

Housing programs change, funds open and close, and intake rules move. Tell Des Moines Digest when a number, office, or eligibility rule needs an update—and get the next guide in your inbox.

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