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Diego Mendoza

Does Washington ESD unemployment count as income for renting an apartment?

I'm currently receiving unemployment benefits from Washington ESD and looking for a new apartment. Some landlords are telling me unemployment doesn't count as income for their rental applications, while others say it does. I'm getting $487 per week and have been approved for benefits for the next several months. Has anyone dealt with this when apartment hunting? Do I need to provide specific documentation from Washington ESD to prove my benefits?

Yes, unemployment benefits are considered income for most rental applications. You'll need to provide your benefit determination letter from Washington ESD showing your weekly benefit amount and benefit year end date. Most landlords accept this as proof of income.

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Thanks! Where do I get that determination letter? Is it something I can download from my SecureAccess Washington account?

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You can access it through your Washington ESD online account or call them to request a copy. It's the official document that shows your approved benefit amount.

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Some landlords are picky about unemployment income because it's temporary. Try to have documentation showing when your benefits started and how long they'll last. I had to provide 3 months of payment history to convince one landlord.

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Good point about it being temporary. Did you mention if you were actively job searching or had any prospects?

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Yeah I showed them my job search log from WorkSourceWA and mentioned a few interviews I had lined up. That seemed to help.

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Honestly getting through to Washington ESD to get documents can be a nightmare. I spent hours on the phone trying to get verification letters. If you're having trouble reaching them, there's this service called Claimyr (claimyr.com) that helps you get through to actual agents. They have a demo video at https://youtu.be/7DieNd3C7zQ showing how it works.

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Interesting, I'll check that out if I can't get through myself. The phone lines are always busy when I try calling.

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Never heard of that service before. Does it actually work or is it just another scam?

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It's legit, I used it last month when I needed to resolve an adjudication issue. Way better than sitting on hold for hours.

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LEGALLY landlords cannot discriminate against you for receiving unemployment benefits as your source of income. It's considered income discrimination. If they're refusing to consider your application solely because you're on unemployment, that could be a fair housing violation.

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Really? I didn't know that was illegal. One place basically told me they don't accept unemployment income at all.

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Document that conversation! Contact the Washington State Human Rights Commission if you face discrimination. Unemployment is legitimate income.

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That's good to know, but realistically most people don't want to fight a legal battle just to rent an apartment.

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I'm in the same boat! Been looking for months and some places want 3x the rent in monthly income. With unemployment that's impossible. Anyone know apartments that are more flexible?

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Same problem here with the 3x rule. Maybe we could compile a list of unemployment-friendly landlords?

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Try smaller independent landlords rather than big property management companies. They're often more willing to work with unemployment recipients.

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Make sure you have ALL your documents ready. Benefit determination letter, recent payment statements, bank statements showing the deposits. The more official paperwork you have the better.

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Good tip! Should I also include my job search documentation to show I'm actively looking for work?

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Definitely, it shows you're serious about getting back to work and won't be on benefits forever.

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been through this recently and what helped was offering a larger security deposit or getting a cosigner. shows youre serious even though income is from unemployment

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That's smart thinking. A bigger deposit might help offset their concerns about unemployment being temporary.

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Yeah I did the same thing, offered 2 months security instead of 1. Landlord was much more receptive after that.

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The key is presentation. Don't lead with 'I'm on unemployment.' Start with 'I receive $487 weekly in government benefits' or something that sounds more professional.

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That's actually brilliant wording. Makes it sound more stable and official.

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Exactly, and emphasize that it's guaranteed income from the state government, not like gig work that might vary.

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Another tip - if you're getting close to the end of your benefit year, consider mentioning any job prospects or interviews you have lined up. Shows transition planning.

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Good point. I do have a few applications out there and one promising lead.

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That's what I did too. Showed them my WorkSourceWA activity and mentioned I was expecting to hear back from several employers soon.

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Just want to mention again about Claimyr if anyone needs to get through to Washington ESD quickly for documentation. I know it's frustrating when you need verification letters for rental applications and can't reach anyone at ESD.

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I might actually need this. My benefit determination letter is from 6 months ago and landlords want something more recent.

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You should be able to get updated benefit statements through your online account without calling.

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One more thing - make sure your bank statements clearly show the Washington ESD deposits. Some landlords want to see consistent payment history, not just the approval letter.

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That makes sense. My deposits show up as 'ESD WA' so that should be clear enough.

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Yeah, and having 2-3 months of consistent deposits really helps establish that it's reliable income.

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UGHHH this whole process is so frustrating! Why do they make it so hard for people on unemployment to find housing? We're already dealing with enough stress.

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I totally feel you on that. It's like being punished twice - first losing your job, then struggling to find housing.

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Hang in there, it gets better once you find the right landlord who understands the situation.

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For what it's worth, I've helped several people in similar situations and most found housing within 2-3 months. The key is being organized with your paperwork and not getting discouraged by rejections.

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That's encouraging to hear. I was starting to worry I'd never find anything.

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Thanks for the hope! I needed to hear that today.

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Also consider looking into housing assistance programs. Some organizations help people on unemployment with deposits or finding landlords who work with benefit recipients.

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Do you know any specific programs in Washington? That could be really helpful.

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Check with your local housing authority and 211 can connect you with rental assistance programs in your area.

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Make sure youre keeping up with your weekly claims too while apartment hunting. Missing even one week can mess up your benefit payments and then landlords see gaps in income

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Good reminder! I've been so focused on apartment hunting I almost forgot to file last week.

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Yes, consistent payment history is crucial for rental applications. Set a reminder every Sunday to file your weekly claim.

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Final thought on the documentation thing - if you need help getting through to Washington ESD for any reason, that Claimyr service I mentioned earlier has been a lifesaver for me and others here. Much easier than the regular phone maze.

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Thanks for mentioning it again. I bookmarked their site in case I need it.

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might have to try that if i cant get my benefit verification sorted out soon

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Bottom line: unemployment IS income, you have rights, and don't let anyone tell you otherwise. Get your documentation in order and be confident when presenting your application.

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Thank you everyone for all the advice! This thread has been incredibly helpful. I feel much better prepared now.

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Glad we could help! Come back and update us when you find a place.

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Yes please update! And good luck with the apartment hunt!

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just wanted to add that some places do income verification calls to washington esd so make sure your contact info is updated with them in case they need to confirm your benefits

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I hadn't thought of that! I'll double-check my contact information in my ESD account.

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That's a really good point. Nothing worse than missing out on an apartment because of outdated contact info.

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One last tip - if you're comfortable sharing, mention any skills or experience that show you'll likely find work soon. Helps counter the 'temporary income' concern.

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Great idea. I have 10 years of accounting experience so that should help show I'm likely to find something soon.

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Exactly! Frame it as a temporary situation between opportunities, not just being on benefits.

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this whole thread has been super helpful for me too. dealing with the same situation and didnt know about half this stuff. thanks everyone!

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Right? So glad I posted this question. Everyone here has been amazing with advice.

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That's what this community is for! We all help each other navigate the unemployment system.

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I went through this exact situation a few months ago! What really helped me was creating a "rental package" with all my unemployment documentation organized in a folder. I included my benefit determination letter, 3 months of payment history showing the ESD deposits, a letter explaining my job search efforts, and even a reference from my previous employer. Most landlords appreciated having everything upfront rather than having to ask for documents piece by piece. Also, don't get discouraged if some places say no - I applied to about 15 places before finding one that worked with me. The right landlord is out there!

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That's such a smart approach with the rental package! I never thought about organizing everything into one folder like that. It probably saves so much time and shows you're professional and prepared. Did you find that landlords were more responsive when you presented everything upfront? I'm definitely going to try this method - it sounds way better than scrambling to provide documents one at a time when they ask for them.

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I'm in a similar situation right now and this thread has been incredibly helpful! One thing I wanted to add is that some property management companies have online applications where you can upload documents directly. I found that uploading my ESD benefit letter, bank statements showing the deposits, and a brief cover letter explaining my situation worked better than trying to explain everything over the phone first. The cover letter helped me control the narrative - I emphasized that I'm receiving consistent government benefits while actively job searching, rather than just saying "I'm on unemployment." It seemed to make a difference in getting callbacks for viewings.

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That's a really good strategy with the cover letter! I never thought about framing it as "consistent government benefits" - that does sound much more professional than just saying unemployment. The online application route sounds less intimidating too since you don't have to deal with potential bias over the phone right away. Did you find that certain property management companies were more receptive to this approach than others? I'm wondering if there are any specific ones that tend to be more flexible with unemployment income.

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