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Find the units you actually qualify for.

The NYC Housing Lottery site shows you listings that don't match your AMI level. This calculator uses the official NYC HPD data to determine your real band — so you stop chasing units you can never win.

Enter your details and we'll find the minimum AMI % your household actually qualifies for.

Example: 2 people · $150,000 → 120%, 130%, 165% & 175% AMI

Why This Exists

NYC affordable housing eligibility is defined by Area Median Income (AMI), a figure HUD sets each year and HPD publishes as a chart of maximum incomes by household size and AMI band (20% up to 175%).

When you search Housing Connect with a household size and income, the site performs a raw search for any listing containing either your household size or income range, instead of cross-referencing both to calculate the specific AMI % you actually fall into.

The result: the site returns listings you don't actually qualify for — you'll click listing after listing only to find that every unit is priced for a different AMI % bracket than your own.

Example

Household of 2 · $200,000

130%Max income for 2 people is $176,410. $200k is over it — you don't qualify, yet the lottery site shows it.
165%Max income for 2 people is $223,905. $200k fits — this is your minimum qualifying band.
175%Max income is $237,475 — you qualify here too.

Correct answer: this household qualifies for 165% and 175% AMI only — a rare set of listings the raw search buries under dozens of units they can't win.

Reference Charts

2026 NYC Area Median Income

Maximum annual income by household size at each % of AMI.

Source: HPD ↗

Household	20%	30%	40%	50%	60%	70%	80%	90%	100%	110%	120%	130%	165%	175%
1 person	$23,760	$35,640	$47,520	$59,400	$71,280	$83,160	$95,040	$106,920	$118,800	$130,680	$142,560	$154,440	$196,020	$207,900
2 people	$27,140	$40,710	$54,280	$67,850	$81,420	$94,990	$108,560	$122,130	$135,700	$149,270	$162,840	$176,410	$223,905	$237,475
3 people	$30,540	$45,810	$61,080	$76,350	$91,620	$106,890	$122,160	$137,430	$152,700	$167,970	$183,240	$198,510	$251,955	$267,225
4 people	$33,920	$50,880	$67,840	$84,800	$101,760	$118,720	$135,680	$152,640	$169,600	$186,560	$203,520	$220,480	$279,840	$296,800
5 people	$36,640	$54,960	$73,280	$91,600	$109,920	$128,240	$146,560	$164,880	$183,200	$201,520	$219,840	$238,160	$302,280	$320,600
6 people	$39,360	$59,040	$78,720	$98,400	$118,080	$137,760	$157,440	$177,120	$196,800	$216,480	$236,160	$255,840	$324,720	$344,400
7 people	$42,080	$63,120	$84,160	$105,200	$126,240	$147,280	$168,320	$189,360	$210,400	$231,440	$252,480	$273,520	$347,160	$368,200
8 people	$44,780	$67,170	$89,560	$111,950	$134,340	$156,730	$179,120	$201,510	$223,900	$246,290	$268,680	$291,070	$369,435	$391,825
9 people	$47,500	$71,250	$95,000	$118,750	$142,500	$166,250	$190,000	$213,750	$237,500	$261,250	$285,000	$308,750	$391,875	$415,625
10 people	$50,220	$75,330	$100,440	$125,550	$150,660	$175,770	$200,880	$225,990	$251,100	$276,210	$301,320	$326,430	$414,315	$439,425
11 people	$52,920	$79,380	$105,840	$132,300	$158,760	$185,220	$211,680	$238,140	$264,600	$291,060	$317,520	$343,980	$436,590	$463,050
12 people	$55,640	$83,460	$111,280	$139,100	$166,920	$194,740	$222,560	$250,380	$278,200	$306,020	$333,840	$361,660	$459,030	$486,850

100% AMI for a three-person family is $152,700 (2026). Middle-income covers 121–165% AMI.

Rental Asset Limits

Maximum total assets a rental applicant household may hold per AMI level.