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.