For many New Yorkers, housing costs can feel overwhelming. Rent keeps rising, home prices are high, and repairs and utility bills can stretch already tight budgets.
Whether you rent, own a home, or hope to buy one someday, you deserve access to resources that can help you stay financially stable and plan for the future.
Across New York, there are programs that help people lower housing costs, improve energy efficiency, prepare for homeownership, and protect the homes they already have.
Here are a few resources that may help you save money, understand your options, and build more financial security — no matter where you are in your housing journey.
NYS Housing Search helps New Yorkers find affordable rental housing across the state. Search available apartments, accessible housing, and other rental opportunities that fit your needs.
SONYMA helps eligible New Yorkers become homeowners through low-interest mortgages, down payment assistance, and homebuyer education. Explore programs that can make buying a home more affordable.
HEAP helps eligible New Yorkers pay heating and cooling costs. The program may also provide emergency assistance and help repair or replace heating equipment when needed.
HUD-approved housing counselors provide free or low-cost guidance on renting, buying a home, avoiding foreclosure, and managing housing challenges. Connect with a trusted counselor near you for personalized support.
The Black Homeownership project aims to expand and protect Black homeownership in NYC. They connect Black homeowners with expert local housing counseling organizations and legal services providers at no cost. Get free, expert support today.
Bronx and Brooklyn Energy Hub offers personalized support to access grants, rebates, incentives, and financing that can help reduce energy use, lower utility costs, and increase comfort.
Sustainable Neighborhoods helps New York homeowners access affordable financing and support to stay in their homes, make necessary repairs, improve energy efficiency, and build long-term financial stability.
FloodHelpNY.org helps New Yorkers protect their homes, families, and finances from flooding. They give clear and trusted information on how to find your flood risk, ways to protect your home, options to lower your flood insurance costs, and steps to prepare for storms and climate change. They also connect eligible low- and middle-income homeowners to programs that can reduce flood risk and make insurance more affordable.
The Down Payment Assistance Navigator is a tool developed by Sustainable Neighborhoods, a wholly owned subsidiary of the Center for New York City Neighborhoods, Inc.
Center for NYC Neighborhoods promotes and protects affordable homeownership in New York so that middle- and working-class families can build strong, thriving communities. On their site, you can browse all the neighborhood partners for Bronx, Brooklyn, Manhattan, Queens, and Staten Island.
