Guide 05 · Renting and housing

Repairs, deposits, eviction or housing discrimination

Your home is the last place you want a legal problem. Most renters' rights come from state and local law, so the details depend on where you live. Federal law adds a few protections that apply almost everywhere, including a ban on housing discrimination.

Updated October 2026 · Sources: HUD, DOJ, EPA

ask for repairs in writing, every time

A row of brick apartment buildings along a quiet street

This guide explains federal law in general terms and says where state law usually takes over. It isn't legal advice. Last reviewed October 11, 2026.

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What the law says

Repairs and habitability

Many states require landlords to keep rental homes safe and livable: working heat, plumbing, water and electricity, and no serious structural, pest or safety problems. In many of those states, this duty can't be signed away in a lease. Local housing codes often add specific standards, and city or county inspectors enforce them.

Some states let tenants withhold rent or pay for repairs and deduct the cost, but only by following strict steps. Done the wrong way, it can lead to an eviction case, so get advice before you stop paying rent for any reason.

Many states also ban landlords from retaliating against tenants who ask for repairs or report code violations.

Security deposits

State law decides how much a landlord can charge (in some states), how quickly the deposit has to be returned after you move out, and what can be deducted. Deductions are generally limited to unpaid rent and damage beyond normal wear and tear, and many states require an itemized list.

Eviction basics

  • A notice isn't an eviction. A notice to pay or move out is usually the first step. In general, a landlord must then file a case in court, and only a court order, carried out by a sheriff or marshal, can remove you.
  • Lockouts are illegal in most states. Changing the locks, removing your belongings, or shutting off utilities to force you out is generally not allowed.
  • Court deadlines are short. If you're served with court papers, the time to respond or appear can be a matter of days. Don't ignore them, and go to every hearing.
  • Free help exists. Legal aid offices handle many eviction cases, and some cities provide free lawyers to tenants facing eviction.

Extra protections in federally assisted housing

If you live in public housing or a HUD-assisted building, federal rules give you added protections, including the right to decent, safe and sanitary housing and protection from eviction except for the reasons allowed under your lease. The Violence Against Women Act also protects survivors of domestic violence, dating violence, sexual assault and stalking from being denied or evicted from covered federal housing because of that abuse.

Source: HUD, resident rights and responsibilities (opens in a new tab)

Lead paint in older homes

For housing built before 1978, federal law requires landlords to disclose any known lead-based paint or lead hazards before you sign a lease, give you any available records, provide the EPA pamphlet "Protect Your Family From Lead in Your Home," and include a lead warning statement in the lease.

Source: EPA, real estate disclosures about potential lead hazards (opens in a new tab)

Housing discrimination: the Fair Housing Act

The Fair Housing Act (42 U.S.C. § 3601 and following) makes it illegal to discriminate in renting because of race, color, religion, sex, familial status, national origin or disability. "Familial status" covers households with children under 18 and people who are pregnant.

That includes:

  • Refusing to rent, or falsely saying a unit isn't available
  • Setting different rents, deposits, rules or terms
  • Steering people toward or away from certain buildings or neighborhoods
  • Sexual harassment by a landlord, manager or maintenance worker
  • Refusing reasonable accommodations in rules or policies, or reasonable modifications to a unit, that a person with a disability needs
  • Retaliating against someone for making a fair housing complaint

The law has a few narrow exemptions, such as some small owner-occupied buildings. Many states and cities add more protected groups.

Source: U.S. Department of Justice, the Fair Housing Act (opens in a new tab)

Signs you may have a claim

Situations worth a closer look.

  • A serious repair problem, such as no heat or water, leaks, mold, pests or broken locks, wasn't fixed after you asked in writing
  • Your deposit wasn't returned on time, or deductions were taken for normal wear and tear
  • You were locked out, your belongings were removed, or your utilities were shut off
  • An eviction notice or rent increase came soon after you asked for repairs or complained to an inspector
  • You were told a unit wasn't available, offered different terms, or treated differently because of race, disability, children, religion or another protected trait
  • A request for a disability accommodation, such as an assistance animal or a reserved parking space, was refused
  • You've been served with eviction court papers

None of these on its own means you have a case. A lawyer or legal aid office can look at the facts.

What to do now

Steps that protect your options.

  1. Step 1: Ask for repairs in writing.

    Text, email or letter, with the date. Keep copies of what you send and anything you get back.

  2. Step 2: Photograph and video the problem.

    Add dates, and keep doing it if it gets worse.

  3. Step 3: Call your local code enforcement or housing inspector.

    Do this if a serious problem isn't fixed.

  4. Step 4: Keep paying rent unless a lawyer or legal aid office tells you otherwise.

    Keep receipts or bank records for every payment.

  5. Step 5: At move-in and move-out, photograph every room.

    Give your landlord your forwarding address in writing so your deposit can be returned.

  6. Step 6: If you get an eviction notice or court papers, act right away.

    Read them, note every date, contact legal aid, respond by the deadline and go to court.

  7. Step 7: If you think you faced discrimination, write it down.

    Note what was said, by whom and when. Save the listing and any messages, and file with HUD within one year.

  8. Step 8: Ask for a disability accommodation in writing.

    Keep a copy.

A modern apartment building with balconies against a pale pink evening sky
An apartment building with balconies against an evening sky.

Documents to keep

  • Your lease, renewals and any written house rules
  • Rent receipts, bank records or money order stubs
  • Your move-in checklist and move-in and move-out photos
  • Every repair request and the landlord's replies
  • Inspection reports from the city or county
  • Photos and videos of problems, with dates
  • Every notice from your landlord, with the envelope
  • Court papers, if you've been served
  • Your security deposit receipt
  • Rental listings and messages if you think you faced discrimination
  • The lead paint disclosure form, for homes built before 1978

photos at move-in save arguments later

Deadlines

Federal deadlines worth knowing.

Federal deadline

1 year

HUD fair housing complaint: within one year of the last discriminatory act.

Source: HUD, file a housing discrimination complaint (opens in a new tab)

State deadlines are different and can be shorter. Check with a licensed attorney in your state.

Federal deadline

2 years

Fair Housing Act lawsuit: within two years of the discriminatory act. Time while a HUD complaint is pending doesn't count toward the two years.

Source: 42 U.S.C. § 3613(a)(1) (opens in a new tab)

State deadlines are different and can be shorter. Check with a licensed attorney in your state.

  • Lead paint disclosure: must happen before you're bound by the lease.

Deadlines set by your state

  • How fast a landlord must return a deposit
  • How much notice a landlord must give before filing for eviction
  • How many days you have to respond to eviction court papers

Eviction deadlines in particular can be very short, so check the papers and contact legal aid quickly.

When to talk to a lawyer or legal aid

It's worth getting advice if:

  • You've received an eviction notice or court papers
  • You've been locked out, or your utilities were shut off
  • You believe you were treated differently because of a protected trait, or a disability accommodation was refused
  • Your landlord retaliated after you asked for repairs or contacted an inspector
  • A health hazard such as mold or lead paint is making someone in your home sick

Many security deposit disputes are handled in small claims court, where people often represent themselves. For evictions, legal aid offices are often the first place to call.

Official resources

Each link opens the agency's own site in a new tab.

Questions

Can I stop paying rent until repairs are made?

Only in some states, and only by following strict steps. Stopping rent the wrong way can lead to an eviction case. Talk to a lawyer or legal aid office first.

How long does my landlord have to return my deposit?

It depends on your state. Give your forwarding address in writing, and keep photos of the home's condition when you moved out.

Can my landlord change the locks or shut off my utilities?

In general, no. In most states, a landlord has to go through the courts to remove a tenant.

Can a landlord refuse my assistance animal because of a no-pets rule?

The Fair Housing Act requires reasonable accommodations for people with disabilities, which can include an assistance animal in housing with a no-pets rule. A landlord may ask for information when the disability or the need isn't obvious.

I got an eviction notice. Do I have to move out right away?

A notice usually isn't a court order. Read it carefully, note the dates, and contact legal aid right away. If you're served with court papers, respond and go to every hearing.

More questions in the FAQ

Want someone to look at your situation?

Tell us about the repair, deposit, eviction or discrimination problem in a few sentences. There's no fee to request a review, and nothing is shared with an attorney unless you say yes.

a few sentences is enough

Requesting a review doesn't file a claim or pause any deadline. We can't promise that a lawyer will take any case. If you have an eviction hearing soon, contact legal aid directly at LawHelp.org (opens in a new tab).

a few sentences is enough