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
Household100% AMI limit

NYC HPD's 2026 New York City Area AMI chart, the figures Housing Connect uses (HPD credits HUD as the source). Edit any value to override with updated figures.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
—
—
—

Based on the income limit only; an actual listing may also check minimum income, credit, and other criteria. This isn't a guarantee of eligibility; confirm on Housing Connect or with NYC HPD before applying.

All Housing Connect Bands
Note: Eligibility is based on HPD income limits only. Individual listings onhousingconnect.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 chart HPD publishes each year from HUD's figures. For 2026, 100% AMI is $152,700 for a 3-person household and $169,600 for 4. See our full AMI & Housing Connect guide for the complete income table by household size and how band eligibility works.

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. See our 40x rent rule guide for how that minimum-income screen works.

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.

AMI Reference (NYC HPD 2026)
NYC HPD, 2026 New York City Area AMI chart (HUD-derived). 100% AMI = $152,700 for 3 people, $169,600 for 4. Each household size has its own figure on HPD's chart.NYC HPD ↗
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 athousingconnect.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.
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 (the ratios on HPD's 2026 chart).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.