When does housing discrimination apply?

This right applies when:You are renting, buying, or applying for a mortgageA landlord, real estate agent, lender, or homeowners association treats you differently based on a protected characteristicHousing policies that appear neutral but disproportionately harm a protected group ("disparate impact")Common misconceptions:"Small landlords are exempt from fair housing laws" — The Fair Housing Act exempts owner-occupied buildings with 4 or fewer units and single-family homes sold without a broker, but they're still subject to the prohibition on discriminatory advertising."A landlord can refuse to rent to families with children" — Not unless the property qualifies as "housing for older persons" (55+ or 62+ communities meeting specific requirements)."My landlord can refuse to allow emotional support animals" — No. Under the Fair Housing Act, landlords must make reasonable accommodations for people with disabilities, including allowing emotional support animals even in no-pet buildings.

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Housing Discrimination in Indiana

Q: What should I do if a landlord or real estate agent discriminated against me?

Step 1: Document while it's fresh. Save emails, texts, voicemails, screenshots of the rental listing (especially Craigslist/Zillow listings that often disappear), and notes from every conversation with dates and times. Memory fades fast in these cases.Step 2: File with HUD. Fair Housing Hotline at 1-800-669-9777 or online at hud.gov. The deadline is one year from the discriminatory act — short by litigation standards.Step 3: Check your state or city protections too. Many states cover additional classes federal law doesn't — source of income (Section 8 voucher discrimination is illegal in CA, NY, MA, NJ, IL, WA, OR, CO, MN, DC, and dozens of cities), marital status, age, student status. State agencies sometimes move faster than HUD.Step 4: Get a fair housing organization involved. Local fair housing nonprofits can run "testers" — paired applicants of different races or family sizes — to verify the discrimination. This is some of the most powerful evidence in housing cases.Step 5: Consider a federal lawsuit. You have two years to sue under the FHA in federal court, with or without going through HUD first. Many fair housing attorneys work on contingency.

Q: What should you NOT do about housing discrimination?

Don't talk yourself out of it. Discrimination rarely comes with a slur. "Just rented," suddenly higher deposit requirements, suggestions about neighborhoods you'd "like better" — these all count.Don't sleep on the deadlines. HUD: 1 year. Federal court: 2 years. State agency deadlines vary but are often shorter.Don't accept discriminatory terms to "just get the place." A higher rent or stricter lease offered to you for a discriminatory reason is itself a violation — and your acceptance doesn't waive the claim.Don't forget to log retaliation. Once you file, the landlord cannot legally evict you, raise your rent, or cut services in response. Document any of those acts and add them to the existing complaint.

By Ahmed Alsaedi, Founding Editor

Source: Fair Housing Act (Title VIII of the Civil Rights Act of 1968), 42 U.S.C. § 3601–3619. Amended by the Fair Housing Amendments Act of 1988. Enforced by HUD (U.S. Department of Housing and Urban Development). Bostock v. Clayton County (2020) and subsequent HUD guidance extended sex discrimination protections to sexual orientation and gender identity.

About this article

Reviewed by the Commoner Law Editorial Team. Sourced from primary statutes (U.S. Code, CFR, state compiled statutes) and official government agency guidance. Written in plain language for general understanding — this is educational content, not legal advice. Our editorial standards

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Indiana Law

How Indiana differs from federal law

Indiana prohibits housing discrimination under both the federal Fair Housing Act and the Indiana Civil Rights Law:

The Indiana Civil Rights Law (IC § 22-9.5) mirrors federal Fair Housing Act protections
Protected classes: race, color, religion, sex, national origin, disability, familial status (same as federal)
Indiana does not add additional protected classes beyond federal law at the state level
Applies to sales, rentals, lending, insurance, and advertising
Landlords cannot refuse to rent, set different terms, or harass tenants based on protected characteristics
Reasonable accommodation requests for disabilities must be granted unless they cause undue hardship

Additional Steps in Indiana

File a housing discrimination complaint with the Indiana Civil Rights Commission at (317) 232-2600 or (800) 628-2909 or online at in.gov/icrc. You can also file with HUD at 1-800-669-9777. Complaints must be filed within 1 year of the discriminatory act.

Relevant Law: Indiana Civil Rights Law, IC § 22-9.5-1 et seq. Federal Fair Housing Act, 42 U.S.C. § 3601 et seq.

Federal baseline: Housing Discrimination nationwide

What is this right?

The Fair Housing Act passed in April 1968, a week after Martin Luther King Jr. was assassinated — Lyndon Johnson used the political window to push it through a Senate that had killed similar bills for years. It makes it illegal for landlords, real estate agents, lenders, sellers, and homeowners associations to discriminate based on seven protected classes: race, color, national origin, religion, sex (including sexual orientation and gender identity after Bostock), familial status (having children under 18), and disability. The 1988 amendments added familial status and disability; 2020 HUD guidance extended sex to LGBTQ+ identity.

Discrimination doesn't have to be obvious to be illegal. Refusing to rent to you outright is one form, but so are steering (suggesting you'd be happier in a different neighborhood), claiming a unit is "just rented" when it isn't, charging you a higher deposit than other applicants, applying screening criteria selectively, or running ads with discriminatory language. Texas Department of Housing v. Inclusive Communities Project (2015) confirmed that disparate-impact theory also applies — neutral-sounding policies that fall hardest on a protected group can be illegal even without intent.

When does it apply?

This right applies when:

You are renting, buying, or applying for a mortgage
A landlord, real estate agent, lender, or homeowners association treats you differently based on a protected characteristic
Housing policies that appear neutral but disproportionately harm a protected group ("disparate impact")

Common misconceptions:

"Small landlords are exempt from fair housing laws" — The Fair Housing Act exempts owner-occupied buildings with 4 or fewer units and single-family homes sold without a broker, but they're still subject to the prohibition on discriminatory advertising.
"A landlord can refuse to rent to families with children" — Not unless the property qualifies as "housing for older persons" (55+ or 62+ communities meeting specific requirements).
"My landlord can refuse to allow emotional support animals" — No. Under the Fair Housing Act, landlords must make reasonable accommodations for people with disabilities, including allowing emotional support animals even in no-pet buildings.

What to Do If You're Being Discriminated Against in Housing

Step 1: Document while it's fresh. Save emails, texts, voicemails, screenshots of the rental listing (especially Craigslist/Zillow listings that often disappear), and notes from every conversation with dates and times. Memory fades fast in these cases.

Step 2: File with HUD. Fair Housing Hotline at 1-800-669-9777 or online at hud.gov. The deadline is one year from the discriminatory act — short by litigation standards.

Step 3: Check your state or city protections too. Many states cover additional classes federal law doesn't — source of income (Section 8 voucher discrimination is illegal in CA, NY, MA, NJ, IL, WA, OR, CO, MN, DC, and dozens of cities), marital status, age, student status. State agencies sometimes move faster than HUD.

Step 4: Get a fair housing organization involved. Local fair housing nonprofits can run "testers" — paired applicants of different races or family sizes — to verify the discrimination. This is some of the most powerful evidence in housing cases.

Step 5: Consider a federal lawsuit. You have two years to sue under the FHA in federal court, with or without going through HUD first. Many fair housing attorneys work on contingency.

What should you NOT do?

Don't talk yourself out of it. Discrimination rarely comes with a slur. "Just rented," suddenly higher deposit requirements, suggestions about neighborhoods you'd "like better" — these all count.

Don't sleep on the deadlines. HUD: 1 year. Federal court: 2 years. State agency deadlines vary but are often shorter.

Don't accept discriminatory terms to "just get the place." A higher rent or stricter lease offered to you for a discriminatory reason is itself a violation — and your acceptance doesn't waive the claim.

Don't forget to log retaliation. Once you file, the landlord cannot legally evict you, raise your rent, or cut services in response. Document any of those acts and add them to the existing complaint.

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Every reference below links to its primary source — the statute book, regulator, or court — and carries a verification date. See our citation methodology for how this works.

Indiana

Federal

StatuteFair Housing Act § 804 (prohibited practices)
Bars refusal to rent/sell, discriminatory terms, and disparate treatment based on race, color, religion, sex, familial status, national origin, or disability.
StatuteFair Housing Act § 818 (anti-retaliation)
Prohibits coercion, intimidation, or retaliation against anyone exercising fair-housing rights.
CaseTexas Dept. of Housing v. Inclusive Communities Project, 576 U.S. 519 (2015)
Confirms disparate-impact liability under the Fair Housing Act.
Agency guidanceHUD — File a Housing Discrimination Complaint
Official complaint portal. Complaints must be filed within 1 year of the discriminatory act.