NYC Affordable Housing Finder

Calculate your AMI percentage and check Housing Connect eligibility across all income bands.

1 Your Household
$
2 Target & Preferences
3 AMI Reference Values
Household 100% AMI limit

HUD FY2024 income limits for New York HMFA, used by NYC HPD for Housing Connect. Edit any value to override with updated figures. HUD source ↗ · NYC HPD ↗

Your AMI Percentage
—%
of area median income
Income Summary
Your AMI percentage —
Annual household income —
100% AMI (2-person household) —
Income band classification —
Your Target Band
—
—
—
All Housing Connect Bands
Note: Eligibility is based on HPD income limits only. Individual listings on housingconnect.nyc.gov ↗ may also require a minimum income (typically 40× the monthly rent). Household size and unit occupancy standards vary by building.

What Is AMI?

AMI stands for Area Median Income — the midpoint income for a family of four in a given metro area, as calculated annually by HUD. NYC's affordable housing programs use the AMI for the New York HMFA (HUD Metro Fair Market Rent Area). In FY2024, the 4-person 100% AMI is $134,800.

How Your AMI% Is Calculated

Your AMI percentage = (your annual household income ÷ 100% AMI limit for your household size) × 100. The AMI limit scales with household size using HUD's standard adjustment factors: 70% for 1 person, 80% for 2, 90% for 3, 100% for 4, 108% for 5, and so on.

Income Band Classifications

Housing Connect Eligibility

NYC HPD's Housing Connect lists affordable units with income requirements. Each lottery specifies an AMI band (e.g., 60% AMI). To qualify, your income must be at or below the income limit for that band and your household size. Many listings also set a minimum income — typically 40× the monthly rent — to confirm you can afford the unit.

Rent Table

Affordable rents are computed as 30% of gross income at each AMI level, using the standard occupancy for each unit type. This is the methodology HPD uses to set rents on Housing Connect; actual rents may vary slightly by building.

Borough Preference

HUD AMI income limits are the same across all five NYC boroughs. Your borough preference is just a reminder for filtering on Housing Connect — it does not affect any calculations here.

HUD Income Limits (AMI Reference)
HUD FY2024 Income Limits for New York HMFA. 4-person 100% AMI = $134,800. Limits adjusted by household size per HUD standard factors. huduser.gov ↗
HPD Affordable Rent Methodology
Affordable rent = (100% AMI × AMI band%) × 30% ÷ 12. Standard occupancy: Studio = 1 person, 1BR = 2, 2BR = 3, 3BR = 4, 4BR = 5. NYC HPD ↗
Housing Connect
NYC HPD's lottery platform for affordable housing. Apply at housingconnect.nyc.gov ↗
Income Band Definitions
ELI ≤ 30%, VLI 31–50%, LI 51–80%, Moderate 81–120%, Middle 121–165%. Source: NYC HPD affordable housing guidelines.
HUD Household Size Adjustment Factors
1 person = 70%, 2 = 80%, 3 = 90%, 4 = 100%, 5 = 108%, 6 = 116%, 7 = 124%, 8 = 132% of 4-person AMI. HUD ↗

Income limits change annually. Verify current limits with NYC HPD or HUD before applying to any program. This calculator is for informational purposes only. See our full sourcing methodology for where every default above comes from.

Advertisement