60% AMI Housing Lotteries NYC
Affordable housing for households earning 51–60% of Area Median Income — 2026 HUD income limits, typical rents, and how to find open lotteries.
2026 Income Limits — 60% AMI
Maximum annual household income to qualify for 60% AMI lotteries (NYC metro area, 2026 HUD data). Income from all adult household members is counted.
| Household Size | Max Annual Income |
|---|---|
| 1 person | $56,700 |
| 2 persons | $64,800 |
| 3 persons | $72,900 |
| 4 persons | $80,900 |
| 5 persons | $87,450 |
| 6 persons | $93,950 |
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 60% AMI Affordable Housing
60% AMI is the most common income band in NYC affordable housing lotteries. The majority of HPD and HDC-financed developments include at least some units at 60% AMI, making it the single largest category of affordable units on Housing Connect. A single person earning up to $56,700 or a family of four earning up to $80,900 in 2026 qualifies. Rents at this band represent roughly 30% of a qualifying household's gross income, which is HUD's affordability standard. Because this band is so common, competition is intense — popular 60% AMI lotteries in Brooklyn or Queens regularly receive 20,000–50,000 applications.
Who Typically Qualifies
Essential workers, nurses, transit workers, teachers, and service industry workers earning $35,000–$56,700 (single person) or $56,000–$80,900 (family of four) are the core applicant pool at 60% AMI.
Programs That Include 60% AMI Units
- NYC Mandatory Inclusionary Housing (MIH) — Deep Affordability Option
- Low Income Housing Tax Credits (LIHTC)
- HPD 421-a Affordable Rental Program
- NYC 15/30 Program
Strategy for 60% AMI Applicants
At 60% AMI, volume of qualifying lotteries is highest — but so is competition. Focus on neighborhoods where you have community board preference (same ZIP code as the building) and apply immediately when a lottery opens. Early applications are not selected first, but applying early ensures you don't miss the deadline.
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