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Free help in Kentucky

Data from November 2026

HUD-approved housing counselors in Kentucky

19 HUD-approved counseling agencies serve Kentucky; 10 say they serve in Spanish. They help you prepare to buy, with your credit, with renting, or if you fell behind on payments.

See the listWhat to expect from counseling
WhatsApp
Agencies
19
HUD-approved, with an office here
Serve in Spanish
10
53% of the agencies, per HUD
Counties with an office
12
out of 120 in all

Source: HUD-approved housing counseling agencies Retrieved November 6, 2026 HUD-approved housing counseling agencies

How it works

What to expect from counseling

Housing counseling is an appointment with a counselor at a HUD-approved agency. This is how it works, according to HUD.

  1. Step 1

    Free or low cost

    HUD-approved agencies receive federal funds. Some charge a reasonable fee for certain services, such as workshops; ask about cost before you start.

  2. Step 2

    For buying, renting or getting out of trouble

    They advise on buying a home, renting, credit and budgeting, and help if you fell behind on your mortgage or face foreclosure.

  3. Step 3

    Bring your paperwork

    Your income (pay stubs or bank statements), your monthly debts and expenses, and whatever you have saved. With that, the counselor builds a plan with you.

  4. Step 4

    Ask for service in Spanish

    When you call, say “Spanish, please” or ask whether someone speaks Spanish; if not, ask whether they offer an interpreter.

According to HUD (U.S. Department of Housing and Urban Development)

HUD’s list

Every agency in Kentucky

The ones that say they serve in Spanish come first. Search by city, county or name.

10

of the 19 agencies in Kentucky say they serve in Spanish.

HUD’s official list exactly as published, retrieved November 6, 2026. Confirm hours and costs with the agency before you go. Source: HUD-approved housing counseling agencies Retrieved November 6, 2026 HUD-approved housing counseling agencies

Frequently asked questions

How much does HUD-approved housing counseling cost?

It is free or low cost. Agencies receive HUD funds; some charge a reasonable fee for certain services, such as workshops or certificates. Ask about cost before you start.

How many agencies serve in Spanish in Kentucky?

10 of the 19 HUD-approved agencies in Kentucky say they serve in Spanish, according to HUD’s list. When you call, ask for service in Spanish or an interpreter.

What if my county has no agency?

Many agencies serve by phone, video or online, not only in person. Your county’s page lists the nearest ones with their distance and phone number.