Washington ESD unemployment benefits as proof of income for apartment rental?
I'm trying to rent an apartment and the landlord is asking for proof of income. I've been on unemployment for about 6 weeks now getting $542 a week from Washington ESD. Can I use my unemployment benefit letter or payment history as proof of income? The property manager seemed unsure when I mentioned it. Has anyone successfully used their UI benefits to qualify for an apartment in Washington state?
56 comments


Connor Gallagher
Yes, unemployment benefits count as income for most landlords. You'll need your monetary determination letter from Washington ESD that shows your weekly benefit amount and benefit year. Some landlords also want to see your bank statements showing the deposits.
0 coins
Zainab Ahmed
•Thanks! I have the monetary determination letter. Should I also print out my payment history from the Washington ESD website?
0 coins
Connor Gallagher
•Definitely print the payment history too. It shows consistent payments and proves you're actively receiving benefits.
0 coins
AstroAlpha
most landlords accept it but some are picky about temporary income sources. unemployment only lasts so long so they worry about what happens when it runs out
0 coins
Zainab Ahmed
•That's what I'm worried about. I'm actively job searching and have some interviews lined up but nothing concrete yet.
0 coins
Yara Khoury
•If you're concerned about the temporary nature, you could offer to pay a slightly higher security deposit or provide references from previous landlords to show you're reliable.
0 coins
Keisha Taylor
I used my UI benefits as proof of income last year when I was between jobs. The key documents are your monetary determination letter and recent bank statements showing the deposits. Some landlords want to see 2-3 months of consistent payments.
0 coins
Zainab Ahmed
•Did you have any issues with the application process? How long did it take to get approved?
0 coins
Keisha Taylor
•It took about a week longer than usual because they had to verify the benefits with Washington ESD, but I got approved. Just be upfront about your situation.
0 coins
Paolo Longo
I've been trying to reach Washington ESD for weeks to get verification letters for my landlord but their phone lines are always busy. Anyone have tips for actually getting through to speak with someone? This is so frustrating!
0 coins
Connor Gallagher
•You can download most documents directly from your SecureAccess Washington account. Check under 'Correspondence' for benefit letters.
0 coins
Amina Bah
•If you need to speak to someone urgently, I found this service called Claimyr that helps you get through to Washington ESD agents. They have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works. Saved me hours of calling.
0 coins
Paolo Longo
•Oh wow, I've never heard of that. Does it actually work? I'm desperate at this point.
0 coins
Oliver Becker
Be prepared for some landlords to say no. I had one tell me unemployment doesn't count as 'stable income' even though it's government money. Their loss, I found a better place anyway.
0 coins
Zainab Ahmed
•That's so frustrating! What documents did you end up using with the landlord who accepted you?
0 coins
Oliver Becker
•Monetary determination letter, three months of bank statements, and a letter from my previous landlord saying I always paid on time.
0 coins
Yara Khoury
From a landlord perspective, unemployment benefits are legitimate income. What we typically require is: 1) Monetary determination letter showing weekly benefit amount, 2) Bank statements showing 2-3 months of deposits, 3) Verification that you're meeting job search requirements. The key is transparency about your situation and timeline for finding new employment.
0 coins
Zainab Ahmed
•This is really helpful to hear from a landlord's perspective. I am doing my job searches and keeping my log updated with WorkSource.
0 coins
AstroAlpha
•good to know some landlords are reasonable about it. seems like a lot just see unemployment and immediately reject applications
0 coins
CosmicCowboy
Make sure your unemployment claim is in good standing before applying. If you're under adjudication or have any issues with your weekly claims, landlords might see that as a red flag.
0 coins
Zainab Ahmed
•Good point. My claim has been paying regularly so I think I'm okay there.
0 coins
Connor Gallagher
•You can check your claim status online to make sure there are no pending issues before submitting rental applications.
0 coins
Natasha Orlova
I'm in the same boat! Been on standby status for 8 weeks waiting for my employer to call me back. The $542 weekly is keeping me afloat but apartment hunting is stressful when you don't know how long benefits will last.
0 coins
Zainab Ahmed
•Standby is different from regular unemployment though, right? Do you still have to do job searches?
0 coins
Natasha Orlova
•No job search required for standby, but I still need to file weekly claims. The income documentation should be the same though.
0 coins
Javier Cruz
WASHINGTON ESD MAKES EVERYTHING SO COMPLICATED! Why can't they just have a standard income verification form that landlords recognize? Every apartment complex wants different documents.
0 coins
Connor Gallagher
•The monetary determination letter is pretty standard. Most places accept that plus bank statements showing the deposits.
0 coins
Javier Cruz
•I guess I'll try that combo. Just frustrated with the whole process of proving income when it's government benefits!
0 coins
Emma Thompson
Check if your city has any tenant rights organizations. Some provide letters of support for people using unemployment benefits as income. Worth a shot if you're running into discrimination.
0 coins
Zainab Ahmed
•That's a great idea. I'll look into what Seattle has available for tenants.
0 coins
Malik Jackson
been there done that. most landlords will accept it but expect extra scrutiny. have all your documents ready - benefit letter, bank statements, job search log, references. basically prove you're responsible even though you're temporarily unemployed
0 coins
Zainab Ahmed
•Good advice. I'll make sure to have everything organized before I start applying places.
0 coins
Amina Bah
Update on that Claimyr service I mentioned - I used it yesterday and actually got through to a Washington ESD agent in about 20 minutes. They were able to email me verification letters immediately. Check out claimyr.com if you need to reach someone quickly.
0 coins
Paolo Longo
•No way! I'm definitely trying this. How much does it cost?
0 coins
Amina Bah
•Worth every penny when you need to actually talk to someone at Washington ESD. So much better than spending hours on hold.
0 coins
Isabella Costa
Don't forget unemployment benefits are taxable income too. If landlords ask about taxes, you'll need to explain that taxes aren't automatically deducted from UI benefits unless you request it.
0 coins
Zainab Ahmed
•Oh I didn't think about the tax implications for rental applications. Should I mention I'm having taxes withheld?
0 coins
Isabella Costa
•It might help show you're financially responsible, but most landlords probably won't ask about tax withholding specifically.
0 coins
StarSurfer
Used my unemployment benefits to get approved for my current apartment 6 months ago. Still living here and found a job 3 months later. Landlord was fine with it once I provided proper documentation.
0 coins
Zainab Ahmed
•That's encouraging! What was the rental application process like with unemployment income?
0 coins
StarSurfer
•Took about 2 weeks instead of the usual few days because they wanted extra verification, but no major issues. Just be patient and organized.
0 coins
Ravi Malhotra
my cousin had to provide a co-signer when using unemployment benefits for an apartment. depends on the landlord and your credit score i guess
0 coins
Zainab Ahmed
•My credit is decent, around 720, so hopefully that helps balance out the temporary income situation.
0 coins
Freya Christensen
The timing of your unemployment claim matters too. If you just filed and are still waiting for approval or first payment, landlords might be hesitant. But if you've been receiving benefits consistently for several weeks, that's much better.
0 coins
Zainab Ahmed
•I've been getting payments for 6 weeks now, so that should help show consistency.
0 coins
Freya Christensen
•Six weeks of consistent payments looks good. Just make sure your weekly claims are up to date and you're meeting all requirements.
0 coins
Omar Hassan
Pro tip: if you're interviewing for jobs, mention that to landlords. Shows you're actively working to transition back to regular employment. Some landlords appreciate the transparency about your job search timeline.
0 coins
Zainab Ahmed
•That's smart. I do have a couple interviews scheduled so I'll mention that in my application.
0 coins
Chloe Robinson
Make sure you understand your benefit duration too. Washington ESD provides up to 26 weeks of regular unemployment benefits. If you're close to exhausting benefits, landlords might want to know your backup plan.
0 coins
Zainab Ahmed
•I have about 20 weeks left on my claim, so still plenty of time to find work hopefully.
0 coins
Diego Chavez
Bottom line - unemployment benefits are legitimate income and most reasonable landlords will accept proper documentation. Don't let a few picky landlords discourage you. Keep your paperwork organized and be upfront about your situation.
0 coins
Zainab Ahmed
•Thanks everyone for all the advice! I feel much more confident about the rental application process now.
0 coins
Connor Gallagher
•Good luck with your apartment search! Having all the right documents ready will make the process much smoother.
0 coins
NeonNebula
One more thing - some property management companies have specific policies about unemployment income. Call ahead and ask before wasting time on applications. Saves everyone time and frustration.
0 coins
Zainab Ahmed
•Great suggestion. I'll start calling places before scheduling viewings to make sure they accept unemployment benefits.
0 coins
James Johnson
I went through this exact situation about a year ago in Tacoma. What helped me was creating a "rental package" with all my documents organized in a folder: monetary determination letter, 3 months of bank statements showing UI deposits, my job search log from WorkSource, and a brief cover letter explaining my situation and timeline for finding work. Most landlords appreciated the transparency and organization. Also consider looking at smaller, independent landlords rather than big property management companies - they tend to be more flexible about income sources. Don't get discouraged if a few places say no, there are definitely landlords out there who understand that unemployment benefits are reliable government income.
0 coins