Free NYC AMI Calculator 2026

AMI stands for Area Median Income. It is the midpoint of the income distribution for the New York metropolitan area, published annually by HUD (U.S. Department of Housing and Urban Development). NYC affordable housing lotteries use AMI percentages (30%, 50%, 60%, 80%, 100%, 120%, 130%) to determine who qualifies for each unit.

To calculate your AMI percentage in NYC, divide your total annual household income by the HUD income limit for your household size. For example, if your household of 3 earns $60,000 and the 100% AMI limit for 3 people is $111,360 (2026), your AMI is approximately 54% — meaning you qualify for lotteries up to 60% AMI.

For 2026, 120% AMI in NYC is approximately $133,632 for a household of 3, $148,440 for a household of 4. These middle-income limits apply to some NYC affordable housing lotteries and Mitchell-Lama programs. Exact figures vary by household size — use the NYC AMI calculator for your specific household.

At 130% AMI in NYC for 2026, income limits are approximately $144,768 for a household of 3 and $160,810 for a household of 4. This band targets middle-income households and applies to certain NYC Housing Connect lottery programs.

Yes. If you are self-employed, use your net income after business expenses as reported on your most recent tax return. NYC Housing Connect may also ask for 2 years of tax returns and a profit/loss statement to verify income.

Income counted for NYC housing lottery AMI includes wages, salaries, self-employment income, Social Security benefits, disability payments, unemployment, alimony, child support, and rental income. It does not include one-time gifts or inheritances in most cases. Always verify with the specific lottery listing.