Getting an apartment with low income can feel overwhelming, but it’s definitely achievable. income-partners.net helps you navigate affordable housing options and secure your place. Discover actionable strategies, explore assistance programs, and find resources that make renting accessible, even with a limited budget. We’ll explore practical steps to improve your eligibility, manage your finances effectively, and leverage available support systems, empowering you to find the perfect apartment and build a stable financial future with housing assistance programs, rental assistance programs and affordable neighborhoods.
1. Understanding Your Options for Low-Income Apartments
Finding an apartment you can afford when you have a limited income requires understanding your options and knowing where to look. Government programs and nonprofit organizations offer solutions tailored to individuals and families with financial constraints. Let’s explore these avenues to help you find a suitable home.
1.1. Public Housing (NYCHA)
What is public housing, and how can it help with affordable housing?
Public housing, managed by the New York City Housing Authority (NYCHA), offers subsidized rental housing to eligible low-income individuals and families. Tenants pay 30% of their monthly gross income toward rent, making it a viable option for those with limited financial resources.
How does NYCHA prioritize applicants, and what should you know before applying?
Given long waiting lists, NYCHA prioritizes individuals and families from shelters and other agencies. While applying, familiarize yourself with the eligibility requirements and application process through the NYCHA Website or by calling their main info line at 718-707-7771. For disability-related services, you can contact NYCHA Disability Services at 212-306-4652.
1.2. Project-Based Section 8 (HUD & HPD)
What is Project-Based Section 8, and how does it differ from tenant-based vouchers?
Project-Based Section 8 involves the U.S. Department of Housing and Urban Development (HUD) subsidizing apartments in specific buildings. Unlike tenant-based vouchers, the subsidy stays with the property, meaning you must live in that building to receive assistance.
How can you find and apply for Project-Based Section 8 housing?
HUD and HPD each maintain lists of these developments. Contact each building directly to request an application. Access HUD’s listings through the HUD’s Development Search or by calling the Multi-Family Clearinghouse at 800-685-8470. HPD’s list can be found at nyc.gov/hpd-pbv.
1.3. Mitchell-Lama Housing
What is Mitchell-Lama housing, and who is it for?
Mitchell-Lama programs provide affordable rental and cooperative housing to moderate- and middle-income families. These developments are supervised by the state or city and offer below-market rental rates.
Where can you find Mitchell-Lama listings and how can you apply?
Listings for state-supervised developments are available on the State-Supervised Listings. For city-supervised listings, refer to the City-Supervised Listing.
1.4. Supportive Housing
What is supportive housing, and who qualifies for it?
Supportive housing caters to individuals with mental health issues, substance use disorders, or those who are high-cost Medicaid users. This type of housing is provided by nonprofit organizations under contract with NYC.
How can you apply for supportive housing, and what is the HRA 2010e form?
Applying requires the assistance of an authorized professional who can complete the HRA 2010e application. Consult with professionals involved in your care to submit this form. Additional information can be found on HRA’s Accessing Supportive Housing.
Supportive Housing Application Process
1.5. Shared Housing
What is shared housing, and how can it help reduce rental costs?
Shared housing involves sharing a living space with one or more roommates, reducing individual rental costs. This can be a viable option for those looking to save money on rent.
What programs are available for shared housing in NYC?
The NY Foundation for Senior Citizens runs a Home Sharing program that matches adults with roommates, prioritizing matches between seniors and non-seniors. For more information, visit the Home Sharing Webpage or call 212-962-7559.
1.6. Family-Type Homes for Adults
What are Family-Type Homes for Adults, and who are they suitable for?
Family-Type Homes for Adults (FTHA) are state-run programs akin to foster care for adults who need supportive housing due to age, developmental disabilities, or physical or mental health issues but do not require skilled medical services.
What services are provided in these homes, and how can you apply?
These homes provide a furnished room, meals, housekeeping, laundry, and assistance with personal care tasks. However, they are not suitable for individuals who use wheelchairs. For more information, refer to the NYS Family-Type Home for Adults Frequently Asked Questions or contact the intake at 212-971-2615 or 212-971-0139.
2. Navigating Housing Subsidies and Rent Assistance
Understanding housing subsidies and rental assistance programs is essential for low-income individuals seeking affordable housing. These programs help bridge the gap between income and rental costs, making housing more accessible. Here’s an overview of available resources.
2.1. HRA Rental Assistance Programs
What types of rental assistance programs does HRA offer?
The NYC Human Resources Administration (HRA) offers various rental assistance programs designed to help low-income individuals and families secure stable housing. These programs include assistance with rent payments and other housing-related expenses.
How can you access HRA rental assistance, and what are the eligibility criteria?
For more information about HRA rental assistance programs, visit HRA Rental Assistance. Eligibility criteria vary depending on the specific program, so reviewing the details on the HRA website is important.
2.2. Tenant-Based Section 8 (Housing Choice Vouchers)
What are Housing Choice Vouchers, and how do they work?
Housing Choice Vouchers, also known as Section 8 vouchers, are federal subsidies that allow eligible low-income families to rent housing in the private market. These vouchers are managed by different agencies in New York City.
How can you apply for Section 8 vouchers, and what should you know about waiting lists?
Waiting lists for Section 8 vouchers are typically long and open infrequently. Check the status of open waiting lists in New York at affordablehousingonline.com.
2.3. NYCHA, HPD, and DHCR Section 8 Inquiries
Where can you direct inquiries and complaints regarding Section 8 vouchers?
For inquiries and complaints related to NYCHA Section 8, contact their Customer Contact Center at 718-707-7771 or the Portability Unit at 212-306-4149. For HPD Section 8, visit the HPD Section 8 Webpage or call the Helpline at 917-286-4300. For DHCR Section 8, visit the DHCR Section 8 Webpage or call 212-480-6672.
2.4. Nursing Home Transition and Diversion (NHTD) Medicaid Waiver Program
What is the NHTD program, and how can it assist with housing?
The Nursing Home Transition and Diversion (NHTD) Medicaid Waiver Program is designed for individuals with physical or medical disabilities who qualify for nursing home-level care. This program provides at-home services, including housing vouchers, to enable individuals to live in the community.
How can you apply for the NHTD program, and what are the eligibility requirements?
To apply, contact the Regional Resource Development Center (RRDC) at 718-816-3555 and request an NHTD application. A Visiting Nurse will assess your eligibility. More information is available at More NHTD Info.
2.5. Disability Rent Increase Exemption (DRIE)
What is DRIE, and who is eligible for it?
The Disability Rent Increase Exemption (DRIE) allows eligible tenants with disabilities to have their rent frozen, protecting them from future rent increases. To qualify, you must be 18 or older, receive disability-related benefits (SSI, SSDI, etc.), have a household income of $50,000 or less, and be named on the lease of a rent-regulated apartment or HDFC CoOp.
How can you apply for DRIE, and where can you find assistance with the application process?
For more information, visit the NYC Rent Freeze Website or call 311. For help with applications or benefits, contact the DRIE Ombudsperson through Rent Freeze Help or call 311.
Understanding DRIE Benefits and Eligibility
2.6. ‘One Shot Deal’ Emergency Assistance Program
What is the ‘One Shot Deal,’ and what situations does it cover?
The ‘One Shot Deal’ is an emergency assistance program that helps individuals who cannot meet an expense due to an unexpected situation. It provides assistance for homelessness, eviction, utility disconnection, fire disaster, domestic violence, and circumstances affecting health and safety.
How can you access the ‘One Shot Deal,’ and what documentation is required?
To apply, visit the Access HRA Emergency Assistance Webpage or call 718-557-1399.
3. Programs Tailored for Specific Populations
Various programs are designed to assist specific populations in securing affordable housing. These targeted initiatives recognize the unique challenges faced by different groups and provide tailored support. Let’s explore some of these programs.
3.1. Intellectual/Developmental Disabilities (OPWDD)
What resources does OPWDD offer for individuals with developmental disabilities?
The New York State Office for People With Developmental Disabilities (OPWDD) offers programs to help individuals with developmental disabilities and their income-eligible families find suitable housing.
How can you get started with OPWDD services, and what are Front Doors?
Begin by contacting your local Front Door for assistance. You can find a Full List of Front Door Sites or call the OPWDD Info Line at 866-946-9733.
3.2. AHRC Info and Referral Line
What information and support does AHRC provide?
AHRC provides valuable information for families of people with developmental disabilities, professionals making referrals, and individuals with disabilities.
How can you contact AHRC for assistance?
Call the AHRC Referral Center at 212-780-4491 or visit AHRC Referral Center.
3.3. Quality Services for the Autism Community (QSAC)
What services does QSAC offer to individuals with autism and their families?
QSAC supports children and adults with autism and their families in achieving greater independence through various programs and services.
How can you reach QSAC for more information?
Visit qsac.com, call 718-7-AUTISM (718-728-8476), or email [email protected].
3.4. Veterans Resources
What housing assistance is available for veterans?
To help end veteran homelessness, incentives are offered to landlords, brokers, and supportive housing providers who provide permanent housing to veterans.
How can veterans access housing assistance?
Veterans can reach out to the Mission Home Call Center at 212-232-0560 or visit DHS Veterans Resources.
Supportive Housing Programs for Veterans
3.5. HIV/AIDS Services Administration (HASA)
What benefits does HASA provide to individuals living with HIV/AIDS?
The HIV/AIDS Services Administration (HASA) provides essential benefits and social services, including rent subsidies, to persons living with HIV or AIDS.
How does the HASA rent subsidy work?
Eligible clients contribute 30% of their income towards rent, with HASA covering the rest. For more information, visit the HASA Webpage or call 212-971-0626.
3.6. Formerly Incarcerated Individuals
What resources are available to support formerly incarcerated individuals?
Organizations like the Fortune Society support successful reentry from prison and promote alternatives to incarceration by providing housing assistance and other services.
How can formerly incarcerated individuals access these resources?
Visit FortuneSociety.org/#programs or call 212-691-7554.
4. Homeownership Assistance for Disabled Homeowners
Homeownership can be a challenge, especially for disabled homeowners on a limited income. However, several programs offer assistance to make homeownership more accessible and affordable. Let’s explore some of these resources.
4.1. Disabled Homeowners Exemption (DHE)
What is the Disabled Homeowners Exemption, and who is eligible?
The Disabled Homeowners Exemption (DHE) provides a property tax exemption to disabled owners of 1, 2, and 3 family houses, condominiums, or cooperative apartments. To be eligible, at least one owner must have a documented physical or mental disability not caused by alcohol or drug use. The combined income of the owner(s) and their spouse(s) cannot exceed $58,399, and the property must be the owners’ primary residence.
How can you apply for the DHE, and where can you find more information?
For more information, visit Finance’s DHE Webpage.
4.2. STAR Credit Program
What is the STAR Credit Program, and how can it benefit homeowners?
The New York State Department of Taxation and Finance offers the STAR Credit Program, which provides Basic and Enhanced (for seniors) STAR Credit benefits to save New York homeowners hundreds of dollars annually.
How do you receive STAR savings, and where can you register for the program?
Eligible homeowners receive a check for the amount of their STAR savings. Find out more and register on the NYS STAR Credit Webpage or call 518-457-2036.
5. Home Repair and Modification Programs
Maintaining a home can be expensive, especially for low-income individuals with disabilities. Fortunately, various programs offer assistance with home repairs and modifications to ensure safety and accessibility.
5.1. Rebuilding Together NYC
What services does Rebuilding Together NYC provide?
Rebuilding Together NYC provides financial assistance to homeowners or renters who need accessibility modifications to better access their homes.
What types of modifications are covered by the program?
Examples include wheelchair ramps and lifts, handrails, easy-to-reach kitchen work and storage areas, lever handles on doors, and roll-in showers with grab bars. For more information, visit RebuildNYC.org or call 718-488-8840.
5.2. Doorways to Independence – ADAPT Community Network
How does ADAPT Community Network help individuals with home alterations?
ADAPT Community Network’s Doorways to Independence program helps individuals adapt to their home environment through simple home alterations.
What are the benefits of these home modifications?
These modifications help people stay in their homes rather than nursing homes, while also increasing independence and mobility. For more information, visit AdaptCommunityNetwork.org or call 877-827-2666.
5.3. Adele Friedman Housing Accessibility Fund
What is the Adele Friedman Housing Accessibility Fund, and who does it serve?
The Adele Friedman Housing Accessibility Fund (AFHAF) provides financial assistance to low- and moderate-income persons with disabilities who need reasonable modifications made to their housing.
How can you get more information about the AFHAF?
For more information, see the Adele Friedman Housing Accessibility Fund webpage or contact the FHJC at [email protected].
5.4. Weatherization Assistance Program (WAP)
What is the Weatherization Assistance Program, and how does it reduce energy costs?
The Weatherization Assistance Program (WAP) assists income-eligible families and individuals in reducing their heating and cooling costs by addressing health and safety issues in their homes through energy-efficiency measures.
What services are included in the WAP?
Services may include sealing cracks and holes, insulation of attics and walls, heating system repairs or replacement, hot water tank and pipe insulation, and installation of energy-efficient lighting and refrigerators. For more information, visit HCR Weatherization Program Webpage, email [email protected], or call 518-474-5700.
Energy Efficiency Measures Through WAP
5.5. Free Fire Alarm Program
What does the Free Fire Alarm Program offer, and how can you request a unit?
The Red Cross and FDNY provide free state-of-the-art smoke and carbon dioxide detectors for New Yorkers through the Free Fire Alarm Program. Accessible units are also available.
How can you request a free fire alarm?
Request one online, by phone, or by email through the Fire Prevention Campaign Webpage, call 877-733-2767, or email [email protected].
6. Essential Utilities and Public Services Assistance
Managing utilities can be a significant financial burden for low-income individuals. Several programs offer assistance with utility costs and public services to help ease this burden.
6.1. Home Energy Assistance Program (HEAP)
What is HEAP, and how does it help with heating costs?
The Home Energy Assistance Program (HEAP) is a federally funded program that assists low-income New Yorkers with the cost of heating their homes. HEAP also offers an emergency benefit for households in a heat or heat-related energy emergency.
How can you apply for HEAP, and where can you find more information?
For more information, visit the HEAP Webpage or call 800-342-3009.
6.2. Cooling Assistance Benefit
What does the Cooling Assistance Benefit offer, and who is eligible?
The Cooling Assistance Benefit helps eligible households buy and install an air conditioner or fan up to $800, including installation.
How can you apply for the Cooling Assistance Benefit?
For more information, visit the Cooling Assistance Benefit or call 212-835-7216.
6.3. Public Service Commission
What role does the Public Service Commission play in utility complaints?
The Public Service Commission is a state agency that takes complaints about public utility companies, excluding cell phone companies.
How can you file a complaint with the Public Service Commission?
Call 800-342-3377 to file a complaint.
6.4. Con Ed Special Services
What special services does Con Ed offer to customers with disabilities?
Con Ed offers free services for customers with disabilities.
How can you find out more about Con Ed Special Services?
Visit ConEd Special Services or call 800-293-5680.
7. Preventing Homelessness and Accessing Shelters
Homelessness prevention and access to shelters are critical for individuals facing housing crises. Several programs and resources are available to help prevent homelessness and provide temporary shelter when needed.
7.1. Homebase
What services does Homebase provide to prevent homelessness?
Homebase helps develop a personalized plan to overcome an immediate housing crisis and achieve housing stability.
Who is eligible for Homebase services?
You may be eligible if you are at imminent risk of entering the shelter system, are low-income, and want to remain stably housed in your community. For more information, visit Homebase Webpage.
7.2. HPD Emergency Housing Services
What assistance does HPD offer during housing emergencies?
The Emergency Housing Services (EHS) unit provides emergency relocation services and rehousing assistance to households displaced from their homes due to fires or City-issued vacate orders.
Where are displaced households placed, and how can you contact HPD Emergency Housing?
Displaced households are placed in family centers and single-room-occupancy hotels. Contact HPD Emergency Housing at 212-863-8561 or visit HPD Emergency Housing.
7.3. General Shelter Information
What should you know about accessing shelters in NYC?
Intake facilities for single adults are open 24/7, including holidays. Interpreters are available for non-English speakers, and people with disabilities are encouraged to bring medical documentation to request reasonable accommodations.
7.4. Shelter Complaints
Where can you file complaints regarding shelter conditions or services?
For complaints, contact the DHS Ombudsman at 800-994-6494 or visit DHS Ombudsman Webpage. You can also contact the NYS Division of Shelter Oversight and Compliance at 518-486-4040 or visit NYS Shelter Oversight Webpage.
7.5. Intake Centers
Where are the intake centers for different populations in NYC?
Intake centers are available for single women, single men, families with minor children, and adult families. Each center has specific contact information and locations.
- Single Women: Franklin Women’s Intake Center, 1122 Franklin Ave., Bronx, NY, 347-417-8240
- Single Men: 30th Street Intake Center, 400-430 E. 30th St., New York, NY
- Families with Minor Children: Prevention Assistance and Temporary Housing (PATH), 151 E. 151st Street, Bronx, NY
- Adult Families: Adult Family Intake Center (AFIC), 400-430 E. 30th Street, New York, NY 10016
7.6. Safe Horizons (Domestic Violence – HRA)
What services does Safe Horizons offer to victims of domestic violence?
Safe Horizons assists New Yorkers experiencing domestic violence by providing legal services and shelter placement.
How can you contact Safe Horizons for assistance?
Contact Safe Horizons at 800-621-4673 or visit Contact Safe Horizons.
8. Handling Housing-Related Complaints
Knowing how to address housing-related complaints is essential for protecting your rights as a tenant or homeowner. Several resources are available to assist with various issues.
8.1. 311
What types of housing-related complaints can be made through 311?
You can make complaints about residential maintenance, elevator or escalator issues, and indoor air quality through 311.
How can you contact 311 to file a complaint?
Visit nyc.gov/311 or call 311.
8.2. Rent-Regulated Apartment Complaints
Who should you contact with issues related to rent-regulated apartments?
Call the State’s Department of Homes and Community Renewal (DHCR) with issues around rent regulation.
How can you contact DHCR?
Visit Contact DHCR or call 718-739-6400.
8.3. Nursing Home Complaints
How can you file a complaint about a nursing home?
Nursing home complaints can be filed with the New York State Department of Health (NYSDOH) online or by calling the Hotline.
What is the contact information for filing a nursing home complaint?
Submit a complaint online at Submit Nursing Home Complaint or call the Hotline at 888-201-4563.
8.4. Discrimination Complaints
Where can you file complaints related to housing discrimination?
Complaints related to housing discrimination can be filed with the NYC Commission on Human Rights, the NYS Division of Human Rights, or the US Department of Justice for ADA violations.
What are the contact details for each agency?
- NYC Human Rights: Visit nyc.gov/cchr, call 212-306-7450 (Main) or 718-722-3131 (Intake).
- NYS Human Rights: Visit Filing a Complaint with DHR or call 888-392-3644.
- Department of Justice – ADA Complaint: Visit Filing an ADA Complaint or use the ADA Complaint Form.
Filing an ADA Complaint for Housing Discrimination
8.5. HUD Fair Housing Complaints
What types of complaints does HUD’s Office of Fair Housing and Equal Opportunity investigate?
HUD investigates discrimination under the Fair Housing Act and other civil rights violations in housing and community development programs.
How can you file a Fair Housing Complaint with HUD?
Visit File a Fair Housing Complaint or call 800-669-9777.
8.6. Source of Income (SOI) Discrimination Unit
What does the SOI Discrimination Unit address?
The Department of Social Services has a unit dedicated to fighting landlords who discriminate against New Yorkers with rental subsidies.
How can you contact the SOI Discrimination Unit?
Call 929-221-6576 or email [email protected].
8.7. Public Advocate
How can the Office of the Public Advocate assist with housing complaints?
The Office of the Public Advocate assists with complaints and inquiries involving government-related services and regulations, including housing.
What is the contact information for the Office of the Public Advocate?
Visit Advocate.nyc.gov, call 212-669-7250, or email [email protected].
8.8. Post Office Complaints
Who should you contact with complaints about mail fraud or postal service?
For complaints regarding mail fraud or postal service, call the Postal Inspector.
How can you file a complaint with the Postal Inspector?
Visit Postal Inspector Complaint or call 877-876-2455.
9. Legal Resources for Housing
Navigating the legal aspects of housing can be complex. Fortunately, several resources are available to provide legal assistance and guidance.
9.1. Housing Court Answers
What services does Housing Court Answers provide?
Housing Court Answers educates and empowers NYC tenants and small homeowners through Information Tables and a hotline.
How can you contact Housing Court Answers?
Visit HousingCourtAnswers.org or call 212-962-4795.
9.2. HRA’s Office of Civil Justice (OCJ)
What legal assistance does HRA’s Office of Civil Justice offer?
If you are facing eviction, need help with an immigration matter, or are a worker facing wage theft, you may have access to free legal assistance through HRA’s Office of Civil Justice (OCJ).
How can you access legal assistance through the OCJ?
Visit OCJ Webpage.
9.3. Mayor’s Office to Protect Tenants (MOPT)
What resources does the Mayor’s Office to Protect Tenants provide?
The Mayor’s Office to Protect Tenants makes sure all renters have the resources they need to understand their rights and responsibilities.
How can you access the Tenant Resource Portal?
Visit Tenant Resource Portal.
10. Additional Resources
Beyond the specific programs and services mentioned, additional resources can provide valuable support for low-income individuals seeking affordable housing.
10.1. Office of the Taxpayer Advocate
What role does the Office of the Taxpayer Advocate play?
The Office of the Taxpayer Advocate recommends policy changes and acts on behalf of NYC taxpayers within the Department of Finance.
How can you contact the Office of the Taxpayer Advocate?
Visit About the Taxpayer Advocate or call 212-312-1800.
10.2. BCID’s Open Doors Program
What is the Open Doors Program, and who does it assist?
The Open Doors Program assists people in institutional settings (nursing home, group home, etc.) to transition into community-based housing options.
How can you contact the Open Doors Program?
Call 844-545-7108.
10.3. DFTA – Senior Housing
What housing options and services are available for seniors through DFTA?
DFTA provides information about housing options for seniors aged 60 and older who live in New York City and are frail or living with Alzheimer’s, dementia, or disabilities.
How can you contact DFTA for senior housing information?
Contact Aging Connect at 212-Aging-NYC (212-244-6469), or call 311.
Key Takeaways
| Program/Resource | Description | Contact Information |
|---|---|---|
| Public Housing (NYCHA) | Subsidized rental housing for low-income individuals and families. | NYCHA Website, 718-707-7771 |
| Project-Based Section 8 (HUD & HPD) | Subsidized apartments in specific buildings. | HUD’s Development Search, 800-685-8470, nyc.gov/hpd-pbv |
| Mitchell-Lama Housing | Affordable rental and cooperative housing for moderate- and middle-income families. | State-Supervised Listings, City-Supervised Listing |
| Supportive Housing | Housing for individuals with mental health issues, substance use disorders, or high-cost Medicaid users. | HRA’s Accessing Supportive Housing |
| Home Sharing | Program that matches adults with roommates. | Home Sharing Webpage, 212-962-7559 |
| Family-Type Homes for Adults | Supportive housing for adults who need assistance due to age, developmental disabilities, or physical or mental health issues. | NYS Family-Type Home for Adults Frequently Asked Questions, 212-971-2615 |
| HRA Rental Assistance Programs | Assistance with rent payments and housing-related expenses. | HRA Rental Assistance |
| Tenant-Based Section 8 (Housing Choice Vouchers) | Federal subsidies that allow low-income families to rent housing in the private market. | affordablehousingonline.com |
| Nursing Home Transition and Diversion (NHTD) | At-home services, including housing vouchers, for individuals with physical or medical disabilities who qualify for nursing home-level care. | More NHTD Info, 718-81 |
