How to Spot and Avoid Affordable Housing Scams in Kentucky

Affordable Housing & Rental Assistance Kentucky published June 21, 2025 Flag of Kentucky

For renters in Kentucky, the search for affordable housing can sometimes lead to risky situations. Unfortunately, rental and affordable housing scams are on the rise, targeting those most in need. By understanding the common types of scams and knowing your rights under Kentucky law, you can protect yourself and your family during your rental search.

Common Affordable Housing Scams in Kentucky

While many landlords and rental organizations are trustworthy, be aware of the following scam tactics affecting Kentucky renters:

  • Fake rental listings: Scammers post listings for homes they don't own, often using stolen photos. They ask for deposits or personal information upfront.
  • Advance fee scams: You may be asked to pay application, deposit, or processing fees before seeing a unit or signing a lease.
  • Phishing for personal data: Some scammers pose as housing program officials, requesting sensitive details (like Social Security numbers) to 'qualify you' for nonexistent units.
  • Impersonating housing authorities: Fraudsters may claim to represent local programs such as the Kentucky Housing Corporation (KHC), but use unofficial email addresses or phone numbers.

Staying aware of these red flags can help you avoid costly and stressful situations.

How Kentucky Law Protects Renters

Kentucky's rental laws, as outlined in the Kentucky Uniform Residential Landlord and Tenant Act (URLTA), provide tenancy protections in cities that have adopted the Act.[1] The URLTA mandates lease agreements, security deposit handling, and landlord-tenant dispute processes. However, not all Kentucky counties and cities have adopted the URLTA, so local rules may vary.

Official Forms and Reporting Rental Scams

If you believe you have encountered a housing scam, it is important to report it to protect yourself and others. Below are key official forms and resources available in Kentucky:

  • Kentucky Attorney General Consumer Complaint Form (online submission):
    When and how to use: File this form if you have experienced a scam involving a rental property, misleading housing offer, or false representation. Example: You paid an upfront fee for a unit that does not exist.
  • HUD Housing Discrimination Complaint Form (HUD Online Complaint Form):
    When and how to use: Use this federal form if a scam involves discrimination based on race, color, national origin, religion, sex, familial status, or disability. Example: You’re denied rental information due to a protected characteristic.

If a landlord or agent asks for large upfront payments without showing you the rental, requests personal information you are uncomfortable providing, or appears unwilling to answer basic questions, consider filing a complaint with the Kentucky Attorney General.

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Recognizing Legitimate Affordable Housing Opportunities

To ensure you are dealing with a genuine housing provider or landlord, follow these tips:

  • Always verify a property through Kentucky Housing Corporation’s resources or contact their help desk.
  • Visit the unit in person before paying any fees or providing sensitive information.
  • Use written rental agreements based on Kentucky law. Read the terms, and never rush into signing.
  • Double-check the identity of anyone claiming to represent a housing authority by confirming contact details through official government websites.

If it sounds too good to be true—such as unusually low rent or skipping background checks—trust your instincts and ask for verification through official channels.

Who Handles Rental Disputes in Kentucky?

Disputes regarding rental agreements or scams in urban counties that have adopted the URLTA can be handled in the Kentucky District Courts (Small Claims Division for certain cases). In other counties, renters must use their local District Court.[2]

Action Steps if You Suspect a Rental Scam

If you encounter a situation you believe is a scam, take action immediately:

  • Stop all communication with the suspected scammer.
  • Document all interactions, including emails, texts, or receipts.
  • File a report with the Kentucky Attorney General.
  • Contact local law enforcement if you have lost money or personal information.
  • For assistance, call KHC’s rental assistance helpline.

Taking these steps quickly may reduce your risk and help authorities protect others.

FAQs About Rental Scams and Tenant Rights in Kentucky

  1. What are common warning signs of a rental or affordable housing scam in Kentucky?
    Often, scammers request payments before you see a property, use high-pressure tactics, or only communicate via email or text. Always confirm a property and landlord through official channels.
  2. Can I get my money back if I paid a scammer?
    If you paid with a credit card or bank transfer, immediately contact your bank to dispute the charge. File a police report and contact the Kentucky Attorney General to report the scam.
  3. Who can I contact for legal advice or help as a tenant?
    Legal Aid of the Bluegrass and Kentucky Legal Aid offer free or low-cost services for renters facing scams, wrongful eviction, or discrimination. Their contact info is listed below.
  4. Is my county covered by the Kentucky Uniform Residential Landlord and Tenant Act (URLTA)?
    Only certain Kentucky counties and cities have adopted the URLTA. Ask your local District Court clerk or check official city/county websites for confirmation.
  5. What should I do if someone claiming to be a housing authority contacts me?
    Verify their identity by checking with official sources like the Kentucky Housing Corporation. Never provide sensitive information to an unverified contact.

Need Help? Resources for Renters

  1. Kentucky Uniform Residential Landlord and Tenant Act (KRS Chapter 383, Part II)
  2. Kentucky District Court Information – Kentucky Court of Justice

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Bob Jones
Bob Jones

Editor & Researcher, Renter Rights USA

Bob writes and reviews tenant law content for various regions. They’re passionate about housing justice and simplifying legal protections for tenants everywhere.

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