Income limits · New York

Income limits and price caps in New York

61 New York programs publish an income limit, a price cap, or both. Most write the limit as a share of the county’s area median income.61 New York programs publish an income limit, a purchase price cap, or both. Most write the limit as a share of the county’s area median income. Here is how to read one.

01
HUD sets the median
Each year, for every county, quoted for a household of four.Each year HUD publishes the area median income for every county, quoted for a household of four.
02
The program picks a share
Up to that share of the median for the county where the home is.A limit written as a share of area median income means up to that share of the median for the county where the home is.
03
The agency publishes the dollars
Adjusted for household size, in the program’s own table. That table is the one that counts.The program adjusts its limit for household size and county, and publishes its own table. That table is the one that counts.

Area median income by county

Find your county’s median

HUD’s four-person figure. Programs adjust it for household size.HUD’s four-person figure for the county where the home is. A program applies its percentage to this number, adjusted for household size by the program.

County	Area median income, 4 people	Programs in county	HUD year	Link
Suffolk	$164,300	6	FY2026	Suffolk programs →
Erie	$101,500	5	FY2026	Erie programs →
Monroe	$107,000	5	FY2026	Monroe programs →
Albany	$123,100	4	FY2026	Albany programs →
Westchester	$164,200	4	FY2026	Westchester programs →
Niagara	$101,500	3	FY2026	Niagara programs →
Onondaga	$106,800	3	FY2026	Onondaga programs →
Broome	$88,600	2	FY2026	Broome programs →
Chautauqua	$78,900	2	FY2026	Chautauqua programs →
Oneida	$98,500	2	FY2026	Oneida programs →
Rensselaer	$123,100	2	FY2026	Rensselaer programs →
Schenectady	$123,100	2	FY2026	Schenectady programs →
Ulster	$117,300	2	FY2026	Ulster programs →
Cayuga	$86,000	1	FY2026	Cayuga programs →
Chemung	$89,800	1	FY2026	Chemung programs →
Cortland	$92,900	1	FY2026	Cortland programs →
Dutchess	$125,900	1	FY2026	Dutchess programs →
Jefferson	$86,600	1	FY2026	Jefferson programs →
Madison	$106,800	1	FY2026	Madison programs →
Montgomery	$95,500	1	FY2026	Montgomery programs →
Nassau	$164,300	1	FY2026	Nassau programs →
Orange	$125,900	1	FY2026	Orange programs →
Oswego	$106,800	1	FY2026	Oswego programs →
Tompkins	$118,000	1	FY2026	Tompkins programs →
Warren	$94,100	1	FY2026	Warren programs →
Allegany	$86,700	0	FY2026	Allegany programs →
Bronx	$104,300	0	FY2026	Bronx programs →
Cattaraugus	$78,200	0	FY2026	Cattaraugus programs →
Chenango	$83,500	0	FY2026	Chenango programs →
Clinton	$95,400	0	FY2026	Clinton programs →
Columbia	$116,800	0	FY2026	Columbia programs →
Delaware	$83,200	0	FY2026	Delaware programs →
Essex	$94,200	0	FY2026	Essex programs →
Franklin	$82,200	0	FY2026	Franklin programs →
Fulton	$81,100	0	FY2026	Fulton programs →
Genesee	$97,200	0	FY2026	Genesee programs →
Greene	$106,500	0	FY2026	Greene programs →
Hamilton	$94,200	0	FY2026	Hamilton programs →
Herkimer	$98,500	0	FY2026	Herkimer programs →
Kings	$104,300	0	FY2026	Kings programs →
Lewis	$83,700	0	FY2026	Lewis programs →
Livingston	$107,000	0	FY2026	Livingston programs →
New York	$104,300	0	FY2026	New York programs →
Ontario	$107,000	0	FY2026	Ontario programs →
Orleans	$107,000	0	FY2026	Orleans programs →
Otsego	$90,900	0	FY2026	Otsego programs →
Putnam	$104,300	0	FY2026	Putnam programs →
Queens	$104,300	0	FY2026	Queens programs →
Richmond	$104,300	0	FY2026	Richmond programs →
Rockland	$128,800	0	FY2026	Rockland programs →
Saratoga	$123,100	0	FY2026	Saratoga programs →
Schoharie	$123,100	0	FY2026	Schoharie programs →
Schuyler	$90,600	0	FY2026	Schuyler programs →
Seneca	$96,800	0	FY2026	Seneca programs →
St. Lawrence	$78,100	0	FY2026	St. Lawrence programs →
Steuben	$89,800	0	FY2026	Steuben programs →
Sullivan	$84,200	0	FY2026	Sullivan programs →
Tioga	$88,600	0	FY2026	Tioga programs →
Washington	$94,100	0	FY2026	Washington programs →
Wayne	$107,000	0	FY2026	Wayne programs →
Wyoming	$92,100	0	FY2026	Wyoming programs →
Yates	$87,900	0	FY2026	Yates programs →

HUD FY2026 Income Limits, median family income for a four-person household. Program counts: programs whose record names the county, Hey Prescott, verified June–September 2026. Statewide programs apply too.

How programs set their limits

The percentage each program publishesThe percentage each New York program publishes

Grouped by the limit in each program’s own record.Grouped by the limit written in the program’s own record. A program may also set lower tiers inside its limit; the program page has the details.

Up to 80% AMI

34 programs

All 34 →

Up to 120% AMI

7 programs

All 7 →

Up to 110% AMI

2 programs

Up to 60% AMI

1 program

First Time Homebuyer Grant Program

Up to 100% AMI

1 program

Down Payment & Closing Cost Plus (DPCC+)

Other limits

112% AMI · 1
- UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant
No percentage published · 15
Each sets its limit another way: a dollar figure, the agency’s own words, or a price cap only.
All 15 →

Limits as written in each program record, Hey Prescott, verified June–September 2026. Confirm current limits with the administering agency.

Purchase price caps

19 programs also cap the home’s price19 programs also cap the price of the home

The highest price the program accepts, as it publishes it.The cap is the highest purchase price the program accepts, as the program publishes it.

Program	County	Income limit	Price cap
Town of East Hampton Community Housing Fund First-Time Homebuyer Down Payment Assistance Program	Suffolk	—	$1.9M
Town of Southampton Community Housing Fund Down Payment Assistance Program for First-Time Homebuyers	Suffolk	—	$1.7M
City of New Rochelle First-Time Home Buyer Down Payment Assistance Program (DPAP)	Westchester	80% AMI	$661,000
Nassau County HOME Down Payment Assistance Program	Nassau	80% AMI	$608,000
First-Time Homebuyer Down Payment Assistance Program	Westchester	80% AMI	$601,000
Town of Babylon HOME Down Payment Assistance Program	Suffolk	80% AMI	$599,000
Brookhaven HOME Down Payment Assistance Program	Suffolk	80% AMI	$551,000
Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers	Suffolk	80% AMI	$551,000
SONYMA Achieving the Dream Program	Statewide	—	$544,230
CDLI Down Payment and Closing Cost Assistance Loan	Nassau; Suffolk	120% AMI	$500,000
Home Acquisition Program (HAP)	Albany	80% AMI	$474,000
First-Time Home Ownership Program	Niagara	80% AMI	$314,000
First Time Home Buyer Grant Program	Erie	80% AMI	$298,950
First-Time Homebuyer Assistance	Erie	80% AMI	$286,000
Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance)	Erie	80% AMI	$265,000
HOME First Time Home Buyer Grant Program	Albany	80% AMI	$252,000
ADK Gateway Homeownership Program	Warren	80% AMI	$231,000
Closing Cost Assistance	Onondaga	80% AMI	$170,000
Home HeadQuarters Closing Cost Assistance	Onondaga	80% AMI	$150,000

All 19 price caps →

Brookhaven HOME Down Payment Assistance Program$551,000
Suffolk County HOME Consortium Down Payment Assistance Program for First-Time Homebuyers$551,000
SONYMA Achieving the Dream Program$544,230
CDLI Down Payment and Closing Cost Assistance Loan$500,000
Home Acquisition Program (HAP)$474,000
First-Time Home Ownership Program$314,000
First Time Home Buyer Grant Program$298,950
First-Time Homebuyer Assistance$286,000
Town of Amherst First-Time Homebuyer Program (Down Payment/Closing Cost Assistance)$265,000
HOME First Time Home Buyer Grant Program$252,000
ADK Gateway Homeownership Program$231,000
Closing Cost Assistance$170,000
Home HeadQuarters Closing Cost Assistance$150,000

Sorted by cap. Caps as published by each agency, Hey Prescott program records, verified June–September 2026.

Not sure where your income lands?

108 HUD-approved counseling agencies in New York108 HUD-approved housing counseling agencies in New York

A counselor can walk through a program’s own income table with you, for free.A counselor can walk through a program’s own income table with you, for free. Create an account, take the 90-second match, and we’ll show the counselors near you.

Find my counselor

Free account → 90-second match → your counselors

Keep exploring New York

New York programs63 programsBack to New York →All 62 countiesLocal programs and mediansSee counties →21 cities with a programalbany, amherst, auburn and moreSee cities →How income limits workCounted across every stateRead it →

Questions, answered

What are the income limits for down payment assistance in New York?

61 down payment assistance programs in New York publish an income limit, a purchase price cap, or both. 46 express the limit as a share of the area median income for the county where the home is, and 33 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a share of area median income, which HUD publishes per county and revises annually. A program with one published share therefore admits a different dollar figure in each county, and the program adjusts that figure for household size in its own table.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

Sources

U.S. Department of Housing and Urban Development, FY2026 Income Limits: median family income, four-person household, by county. HUD’s own household-size tables →
Program limits and price caps: each administering agency, as recorded by Hey Prescott, verified June–September 2026.
HUD-approved housing counseling agencies: HUD agency list.