30% AMI Housing Lotteries NYC
Affordable housing for households earning up to 30% of Area Median Income — 2026 HUD income limits, typical rents, and how to find open lotteries.
2026 Income Limits — 30% AMI
Maximum annual household income to qualify for 30% AMI lotteries (NYC metro area, 2026 HUD data). Income from all adult household members is counted.
| Household Size | Max Annual Income |
|---|---|
| 1 person | $28,350 |
| 2 persons | $32,400 |
| 3 persons | $36,450 |
| 4 persons | $40,450 |
| 5 persons | $43,700 |
| 6 persons | $47,000 |
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 30% AMI Affordable Housing
30% AMI is the lowest income band in the NYC Housing Connect system, designated "Extremely Low Income" by HUD. Units at this band are rare — fewer than 10% of lottery offerings reach this threshold — but they carry the deepest rent discounts. A 30% AMI studio in 2026 might rent for $600–$750/month. These units are primarily funded through Low Income Housing Tax Credits (LIHTC) and HPD capital programs. Many developments with 30% AMI units also include a preference for formerly homeless individuals or households with disabilities. Because the income ceiling is so low, the eligible pool is smaller and relative odds can be better than at higher AMI bands.
Who Typically Qualifies
Seniors on Social Security income, individuals with disabilities, formerly homeless households, and very low-income single-person households are the most common applicants at this band.
Programs That Include 30% AMI Units
- Low Income Housing Tax Credits (LIHTC)
- HPD Capital Programs
- HOME Program
- NYC 421-a (some developments)
Strategy for 30% AMI Applicants
Check each lottery for preference categories — 30% AMI units often include set-asides for homeless households or community board residents. If you have a community board preference in an area with a new development, your odds are significantly improved.
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