100% AMI Housing Lotteries NYC
Affordable housing for households earning 81–100% of Area Median Income — 2026 HUD income limits, typical rents, and how to find open lotteries.
2026 Income Limits — 100% AMI
Maximum annual household income to qualify for 100% AMI lotteries (NYC metro area, 2026 HUD data). Income from all adult household members is counted.
| Household Size | Max Annual Income |
|---|---|
| 1 person | $94,500 |
| 2 persons | $108,000 |
| 3 persons | $121,500 |
| 4 persons | $134,850 |
| 5 persons | $145,700 |
| 6 persons | $156,600 |
Limits are based on 2026 HUD income data for the New York metro area. Some lotteries set minimums as well as maximums — always verify on NYC Housing Connect. View full AMI table →
About 100% AMI Affordable Housing
100% AMI units represent the midpoint of the area median income — in 2026, a 4-person household earning exactly the NYC AMI qualifies. At this band, rents are lower than market rate but not as deeply subsidized as at 30–60% AMI. Most 100% AMI units appear in large mixed-income developments that also include units at lower AMI bands. These lotteries attract applicants who are solidly middle-income but still cannot afford market-rate rents in high-cost NYC neighborhoods. Competition at 100% AMI is moderate — the eligible pool is large, but awareness of these lotteries is lower among higher-income New Yorkers.
Who Typically Qualifies
Dual-income professional households, mid-level managers, healthcare workers, and educators earning $57,000–$94,500 (1 person) or $80,000–$134,850 (family of four) are the primary applicant pool at this band.
Programs That Include 100% AMI Units
- NYC Mandatory Inclusionary Housing (MIH)
- HPD 421-a (80/20 Program)
- HDC Mixed-Income Programs
- NYC 15/30 Program
Strategy for 100% AMI Applicants
At 100% AMI, apply early and focus on mixed-income developments in desirable neighborhoods. Because fewer people apply at this band relative to 60% AMI, your per-application odds can be meaningfully better — particularly for 1-bedroom and 2-bedroom units.
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