What is the SAFHR program and how do I apply?

SAFHR (State Assistance for Housing Relief) is a Missouri rent and utility aid program. Eligible students can apply online via the official SAFHR portal.

Can I be denied rental housing because I'm a student?

Landlords can consider financial and rental history, but not discriminate based on protected characteristics. A co-signer may be required.

What should I do if my landlord doesn't return my security deposit?

Send a written request first. If not returned within 30 days, you can file in Missouri Circuit Court small claims.

Are there special renter protections for college students?

Missouri law gives all renters—including students—the same protections and responsibilities under landlord-tenant statutes.

Where can I get free help reviewing my lease?

Most colleges and Legal Services of Missouri offer free lease review and advice for renters.

Missouri First-Time Renter Programs for College Students

Affordable Housing & Rental Assistance Missouri published June 21, 2025

Starting your journey as a first-time renter in Missouri—especially as a college student—can be both exciting and overwhelming. Fortunately, Missouri offers a variety of first-time renter programs, rental assistance resources, and legal protections to help you secure safe and affordable housing. Understanding your rights and available support as a new renter is the first step to a positive rental experience.

Understanding First-Time Renter Support in Missouri

Many college students in Missouri face challenges such as strict income requirements, high security deposits, and the need for a co-signer. The state and local agencies recognize these barriers and offer targeted rental assistance and legal guidance.

Key First-Time Renter Programs for Missouri College Students

Missouri Housing Development Commission (MHDC) Rental Assistance: Provides rental assistance, including the State Assistance for Housing Relief (SAFHR) program, which helps eligible renters pay rent and prevent eviction.^[1]
Section 8 Housing Choice Voucher Program: Managed by MHDC, this federally funded program helps low-income individuals—including students—afford safe rentals in the private market. Apply via the MHDC Rental Assistance Portal.
Campus-Based Emergency Assistance Grants: Many Missouri colleges offer short-term rent or utility grants for students in crisis. Check your campus financial aid office or student support services for availability.
Local Public Housing Authorities (PHAs): PHAs in cities like St. Louis and Kansas City provide support and resources to students transitioning into independent rentals. Find your local PHA on the HUD Missouri PHAs Directory.

These resources can help cover upfront costs, monthly rent, or connect you with eligible rentals.

Key Forms for Missouri Renters

As a first-time renter, it's important to be familiar with forms that protect your rights and document your tenancy.

Missouri Rental Application (no standard state form): Used to apply for a rental unit. Landlords often require personal and financial information.
Tip: Always read any rental application or lease carefully before signing.
Move-in/Move-out Inspection Checklist: Not mandatory statewide, but highly recommended. This checklist documents the property's condition at move-in, protecting you from false damage claims later. Download an official sample from the Missouri Attorney General's Landlord-Tenant Law Guide, page 12.^[2]
Notice to Vacate (no standard state form): Use this form when ending your lease. Missouri law generally requires at least 30 days’ written notice for month-to-month rentals. Refer to your lease and the Missouri Revised Statutes Section 441.060 for notice requirements.^[3]

The Tribunal for Missouri Renters

In Missouri, landlord-tenant disputes—including issues like security deposits or eviction—are handled by Missouri Circuit Courts. Tenants and landlords can file claims regarding lease violations, evictions, or deposit disputes in the local circuit court where the property is located.^[4]

Your Rights Under Missouri Tenancy Law

Your rights and responsibilities as a renter in Missouri are governed by the Missouri Revised Statutes, Chapter 441 – Landlord and Tenant and Chapter 535 (Landlord-Tenant Actions). These laws set forth what landlords and renters can and cannot do, and how disputes must be resolved.^[5]

Landlords must provide safe and habitable housing
You have the right to a written lease and privacy
Security deposits are generally limited to two months’ rent and must be returned within 30 days, minus damages
Evictions require legal notice and cannot be done without a court order

Action Steps: Applying to First-Time Renter Programs

If you are a new renter feeling uncertain, here are steps you can take to access assistance or protect your rights:

Check eligibility and apply for rental assistance programs through the Missouri Housing Resources portal.
Document the property's condition with an inspection checklist at move-in.
If you receive an eviction notice or need legal help, contact your local PHA or seek free legal support from Legal Services of Missouri.
Review your lease with your college legal aid or student affairs office before signing.

By following these steps, you can reduce stress and protect your rights as a first-time renter.

FAQ: Missouri College Student Renting

What is the SAFHR program and how do I apply?
SAFHR (State Assistance for Housing Relief) is a Missouri program for rental and utility assistance. Eligible students and renters can apply online through the official SAFHR portal.
Can I be denied rental housing because I'm a student?
Landlords must follow fair housing laws, but they may consider income, credit, or rental history. It's legal to require a co-signer but illegal to discriminate based on protected characteristics.
What should I do if my landlord doesn't return my security deposit?
First, send a written request. If it's not returned within 30 days, you may file a claim in Missouri Circuit Court (small claims division) for up to $5,000.
Are there special renter protections for college students?
While Missouri law does not provide extra protections just for students, you are entitled to all rights and remedies under Missouri's landlord-tenant laws.
Where can I get free help reviewing my lease?
Most colleges offer legal aid, and you can also contact Legal Services of Missouri for free tenant advice.

Key Takeaways

Missouri college students have access to rental assistance and first-time renter supports through state and local agencies
Be proactive: document your rental and seek help early if problems arise
Know your rights under Missouri rental laws and use official forms for any major rental steps

Staying informed empowers you to rent confidently and avoid common pitfalls as a first-time renter.

Need Help? Resources for Renters

Missouri Housing Resources – Rental aid and program info
Missouri Circuit Courts – Handle tenancy cases and disputes
Missouri Attorney General: Landlord-Tenant Law – Plain language legal guides
Legal Services of Missouri – Free tenant legal help
HUD Missouri PHAs Directory – Find your local housing authority

[1] For Missouri rental assistance and SAFHR: Missouri Housing Resources Official Site
[2] Sample inspection checklist: Missouri Attorney General's Landlord-Tenant Law Guide, p.12
[3] Notice requirements: Missouri Revised Statutes Section 441.060
[4] Official tribunal info: Missouri Circuit Courts
[5] Missouri tenancy legislation: Chapter 441: Landlord and Tenant; Chapter 535: Landlord-Tenant Actions