What Happens When the Eviction Moratorium Ends? A 2026 Guide for Tenants

The federal eviction moratorium has ended, leaving an estimated 16% of adult renters in the U.S. at risk of displacement, with tenants in Southern states like Mississippi, South Carolina, and Georgia facing the most immediate danger. The expiration, coupled with the slow distribution of federal rental assistance, creates a housing crisis where rising rents make finding new affordable homes difficult for those evicted. This guide explains the current landscape and the critical steps tenants should take.

What Does the End of the Federal Eviction Moratorium Mean for Tenants?

The eviction moratorium, a temporary ban on removing tenants for nonpayment of rent, was enacted by the Centers for Disease Control and Prevention (CDC) in 2020 to address pandemic-related financial hardship. It expired in 2026 after congressional inaction. This means that landlords nationwide can now legally proceed with eviction filings for unpaid rent. However, some state-level protections, like those in New York and California, remain in effect. For tenants in states without local moratoriums, the legal shield has been removed, and landlords can initiate court proceedings.

Why Are Renters in Southern States at Higher Risk?

U.S. Census survey data indicates that renters in several Southern states are more vulnerable due to a combination of higher rent debt and landlord-friendly laws. For instance, Mississippi, South Carolina, and Georgia have rates of rent debt above the national average.

• Landlord-Friendly Laws: Eviction procedures in some Southern states are among the fastest in the country. In Mississippi, a tenant can be evicted on the same day they lose their court case. In Arkansas, landlords can pursue criminal charges for non-payment.
• Rising Rents: The ability to find new housing is hampered by rapidly increasing rental prices. Cities like Atlanta have seen rents rise by over 12% in the past year, with some suburbs increasing by more than 20%, according to listing data.

Is Rental Assistance Still Available to Help Avoid Eviction?

Yes, billions of dollars in federal emergency rental assistance remain available, but the distribution pace has been slow. As of mid-2026, only a fraction of the allocated $46.6 billion had reached landlords and tenants. The key for tenants is to apply immediately through their local state or county program. Tenants should proactively contact their local rental assistance program to understand the application process. Be aware that some programs, like the one in DeKalb County, Georgia, may only cover a percentage of back rent (e.g., 60%) and require landlord participation.

What Practical Steps Can Tenants Facing Eviction Take?

If you are behind on rent, taking immediate and documented action is crucial.

1. Communicate with Your Landlord: Open a dialogue about your situation and inform them that you are applying for rental assistance. Some landlords may be willing to wait for the aid to come through rather than go through the cost and time of an eviction.
2. Apply for Assistance Immediately: Locate your local emergency rental assistance program and submit an application. Gather necessary documents like proof of income, lease agreement, and a statement of unpaid rent.
3. Seek Legal Aid: Non-profit law firms and legal aid services offer help to low-income tenants facing eviction. They can provide guidance on your rights and represent you in housing court. However, as noted by legal experts in Mississippi, resources are stretched thin, so acting quickly is essential.

The end of the eviction moratorium creates a precarious situation for many, but taking informed, swift action is the best defense. Tenants should understand their local laws, exhaust all available financial aid options, and seek professional legal advice to navigate this challenging period. The most critical factor is time.