Housing Authorities in New York

State of Housing in New YorkThe first U.S. public housing project opened in 1936. It was the Techwood Homes in Atlanta. The beginnings of housing policy formulation also originated in New York State. The New York City Housing Authority (NYCHA) is still the largest public housing authority (PHA) in North America. In spite of many problems, it is still considered by experts to be the most successful big-city public housing authority in the countryNYCHA has approximately 11,500 employees serving about 176,327 families and approximately 403,357 authorized residents.

Scattered Site Housing Programs

Scattered-site housing programs are generally run by the city housing authorities or local governments. They are intended to increase the availability of affordable housing and improve the quality of low-income housing, while avoiding problems associated with concentrated subsidized housing. Many scattered-site units are built to be similar in appearance to other homes in the neighborhood.

Section 8 Housing Choice Voucher Program

The New York State Homes and Community Renewal (HCR) Section 8 Housing Choice Voucher (HCV) Program provides rental assistance and home ownership option to extremely low, very low and low income households in New York State. The program also provides assistance to senior citizens and disabled persons on fixed incomes, displaced families, and homeless individuals with disabilities.The New York City Housing Authority (NYCHA) and the New York City Department of Housing Preservation and Development (HPD) also operate HCV Programs in New York City. The goal of this special-purpose program is to assist HCV applicants and participants secure housing in racially and economically diverse neighborhoods. HCR plans to expand the counseling and mobility services to other local HCV Program jurisdictions.

Farmworker Housing Program

Farmworker Housing Program is a component of the Housing Development Fund (HDF), was first authorized in 1995 andState of Housing in New York subsequently expanded in 2004 and 2008 by amendments to Article XI of Private Housing Finance Law. Under the Farmworker Housing Program, HDF no-interest loans can be made to farmers to assist in the rehabilitation, improvement or new construction of housing for farmworkers. The Farmworker Housing Program is administered by DHCR and participating local loan administrators with the cooperation of the New York State Department of Health and county health departments. Loans up to $100,000 per annum can be made with equal annual repayments of principal. The term of the loans may not exceed ten years.

Homes for Working Families Program

The Homes for Working Families Program (HWF) provides gap financing through low-interest loans for capital costs and related acquisition and soft costs associated with the new construction or rehabilitation of affordable housing. The primary financing sources for HWF projects must be tax-exempt bonds which are allocated from the State's Private Activity Bond Volume Cap and 4% Low-Income Housing Tax Credit issued in conjunction with the bonds.

Housing Development Fund

The Housing Development Fund (HDF) is a revolving loan fund established in 1966 under Article XI of the Private Housing Finance Law and administered by the New York State Division of Housing and Community Renewal (DHCR). The purpose of the HDF program is to provide loans to nonprofit organizations to develop low-income housing projects. HDF loans may be used for pre-development costs, site acquisition, construction/ rehabilitation financing, and other project development costs that can be mortgaged. HDF loans may also be used to provide short term financing repaid from equity contributed by investors in low-income housing credit projects.


The New York State HOME Program is administered by the New York State Housing Trust Fund Corporation (HTFC). The program uses federal HOME Investment Partnership Program funds to expand the supply of decent, safe, and affordable housing within the State.The HOME Program funds a variety of activities through partnerships with counties, towns, cities, villages, private developers, and community-based non-profit housing organizations. The program provides funds to acquire, rehabilitate, or construct housing, or to provide assistance to low-income home-buyers and renters. Funds must be distributed in accordance with needs and priorities identified in the State's Consolidated Plan.

Rural Rental Assistance Program

The Rural Rental Assistance Program provides up to 25 years of rental subsidies for projects financed with mortgages from the United States Department of Agriculture (USDA) Rural Housing Services (RHS) (formerly Federal Farmers Home Administration) 515 Program. The current maximum contract term limit is 25 years, provided in successive 15 and 10State of Housing in New York year increments.Potential sponsors submit an application for funding to the Division of Housing and Community Renewal under the Unified Funding Process. In response to a notice that funds are available, the sponsor submits an application to RHS to determine if the project is eligible for a RHS 515 loan.

Access to Home Program

The Access to Home Program provides financial assistance to property owners to make dwelling units accessible for low- and moderate income persons with disabilities. Providing assistance with the cost of adapting homes to meet the needs of those with disabilities will enable individuals to safely and comfortably continue to live in their residences and avoid institutional care. Project selection shall take into consideration the recommendation of the relevant regional economic development council or the Commissioner's determination that the proposed project aligns with the regional strategic priorities of the respective region.

New York State Community Development Block Grant (CDBG) Program

The Office of Community Renewal administers the Community Development Block Grant (CDBG) program for the State of New York. The NYS CDBG program provides financial assistance to eligible cities, towns, and villages with populations under 50,000 and counties with an area population under 200,000, in order to develop viable communities by providing decent, affordable housing, and suitable living environments, as well as expanding economic opportunities, principally for persons of low and moderate income. The state must ensure that no less than 70% of its CDBG funds are used for activities that benefit low- and moderate-income persons. The program objectives are achieved by supporting activities or projects that: benefit low- and moderate-income families; create job opportunities for low- and moderate-income persons; prevent or eliminate slums and blight; or address a community development need that poses a serious and imminent threat to the community's health or welfare.

Low-Income Housing Credit Program

The Low-Income Housing Credit Program (LIHC) was established under the Tax Reform Act of 1986 to promote private sector involvement in the retention and production of rental housing that is reserved for low-income households.The amount of LIHC available to project owners is directly related to the number of low-income housing units that they provide. The LIHC has been allocated to projects employing Housing Trust Fund and New York State HOME Program subsidies. Local government capital subsidies have been employed extensively in projects located in New York City.

New York State Low-Income Housing Tax Credit Program

SLIHC provides a dollar-for-dollar reduction in state taxes to investors in qualified low-income housing which meet the requirements of Article 2-A of the Public Housing Law.

SONYMA Products for First-Time Homebuyers

The State of New York Mortgage Agency (SONYMA) offers five mortgage programs to assist first-time homebuyers with the purchase of a home in New York State.

The New York State five mortgage programs feature competitive interest rates, low down payment requirements, flexibleState of Housing in New York underwriting guidelines, no prepayment penalties and down payment assistance. All SONYMA loans are financed through the sale of tax exempt bonds.

Homes for Veterans Program

A program specifically designed for military veterans and active duty U.S. military personnel. Allows a qualified veteran or active duty U.S. military personnel to apply for homeownership. SONYMA offers a mortgage product that finances both the purchase and renovation of a home in need of improvements or repairs. SONYMA has a standard mortgage program for a first-time homebuyer purchasing a newly constructed or existing home. SONYMA offers a mortgage product that finances both the purchase and renovation of a home in need of improvements or repairs.

Residential Emergency Services to Offer (Home) Repairs to the Elderly (RESTORE)

Program funds may be used to pay for the cost of emergency repairs to eliminate hazardous conditions in homes owned by the elderly when the homeowners cannot afford to make the repairs in a timely fashion. Project selection shall take into consideration the recommendation of the relevant regional economic development council or the Commissioner's determination that the proposed project aligns with the regional strategic priorities of the respective region. The Housing Trust Fund Corporation (HTFC) receives a legislative appropriation to administer the RESTORE program. The program is administered on the local level by municipalities and not-for-profit corporations that have successfully applied to HTFC for funding.

New York Main Street Program

The NY Main Street grant program provides funds from the New York State Housing Trust Fund Corporation (HTFC) to units of local government, business improvement districts, and other not-for-profit organizations that are committed to revitalizing historic downtowns, mixed-use neighborhood commercial districts, and village centers.Main Street grants are revitalizing our downtowns through targeted commercial/residential improvements such as façade renovations, interior commercial and residential building upgrades, and streetscape enhancements.

Weatherization Assistance Program

The Weatherization Assistance Program assists income-eligible families and individuals by reducing their heating/cooling costs and improving the safety of their homes through energy efficiency measures. Energy efficiency measures performed through the program include air sealing (weatherstripping, caulking), wall and ceiling insulation, heating system improvements or replacement, efficiency improvements in lighting, hot water tank and pipe insulation, and refrigerator replacements with highly efficient Energy Star rated units.

Income Eligibility
Households with incomes at or below 60% of state median income are eligible for assistance. Program services are available to both homeowners and renters, with priority given to senior citizens, families with children and persons with disabilities. For more information, contact the Weatherization Program at 518-474-5700 or email: This email address is being protected from spambots. You need JavaScript enabled to view it. .

Urban Homeownership Assistance Program (UHAP)

The Urban Homeownership Assistance Program (UHAP) provides administrative funding grants to Neighborhood Preservation Companies that provide homeownership counseling services or operate an urban homeownership assistanceState of Housing in New York counseling center, especially those companies serving areas with high foreclosure rates and/or subprime mortgages. Funding availability for UHAP awards is determined by the appropriation and guidelines set forth in the NYS Executive budget.

Modernization Program

The modernization program grants are used to replace or repair roofs, heating systems and ventilation work, renovate elevators, plumbing systems, modernize bathrooms and kitchens, replace existing windows and add storm windows. Improvements to a development can also include masonry re-pointing and repair, upgrading of electrical systems, landscaping, lead testing and asbestos abatement.

Income Eligibility

Applicants for public housing, rent subsidy, or other housing assistance must also pass a criminal background check. They may be given priority status if they are:

  • Persons who are homeless due to natural disasters.
  • Persons who are homeless due to public action.
  • Persons with emergency needs (such as domestic violence victims, persons with medical emergencies, or homeless persons facing an immediate threat to their health and safety.
  • Veterans and local residents

Income Limits for Housing Subsidy in New York

FY 2013 Very Low-Income (50%) Limit (VLIL)
New York
Income Limit Information Median Family Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2013 VLIL $70,000 $24,500 $28,000 $31,500 $35,000 $37,800 $40,600 $43,400 $46,200
FY 2013 Extremely Low-Income (30%) Limit (ELIL)
New York
Income Limit Information 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2013 ELIL $14,700 $16,800 $18,900 $21,000 $22,700 $24,350 $26,050 $27,700
FY 2013 Low-Income (80%) Limit (LIL)
New York
Income Limit Information 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2013 LIL $39,200 $44,800 $50,400 $56,000 $60,500 $64,950 $69,450 $73,900

Unemployment Rate in New York

The unemployment rate for New York fell 0.2 percentage points in March 2013 to 8.2%. The state unemployment rate was 0.6 percentage points higher than the national rate for the month. From a post peak low of 8.1% in February 2011, the unemployment rate has now grown by 0.1 percentage points.

Unemployment RateMarch 2013Month/MonthYear/Year
National 7.6% -0.1 -0.6
New York 8.2% -0.2 -0.3

A state’s unemployment rate generally affects its housing waiting lists. The higher the unemployment rate, the longer the waiting lists are. New York State’s unemployment rate is 0.6 higher than the national rate. The demand for housing and rent subsidy programs far exceeds the available supply of funds and a small drop in the unemployment rate has an insignificant effect on the waiting lists. Please ask your housing agency for details of the programs you are interested in.

New York City Housing Authority (NYCHA) Written by Super User 7774