New York Income Limits by County, 2026

Are you under the income limit?

About these limits

HUD publishes a limit for every county each year. Most down payment help uses 80% of the area median income, adjusted for how many people live in the home. Limits are for the HUD area around the county, not the county alone. Source: HUD FY 2026 Income Limits.

HUD's area median family income and the low-income limit (80% of median, family of four) for all 62 New York counties, highest median first. These limits gate most down payment assistance and affordable mortgage programs.

Choose your county to see the answer.

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CountyHouseholdIncomePriceSavings
More about income limits
New York counties
CountyArea median incomeLow income (80%), 4 peopleVery low (50%), 4 people
Nassau County$164,300$128,100$82,150
Suffolk County$164,300$128,100$82,150
Westchester County$164,200$125,850$84,800
Rockland County$128,800$135,700$84,800
Dutchess County$125,900$100,700$62,950
Orange County$125,900$100,700$62,950
Albany County$123,100$98,500$61,550
Rensselaer County$123,100$98,500$61,550
Saratoga County$123,100$98,500$61,550
Schenectady County$123,100$98,500$61,550
Schoharie County$123,100$98,500$61,550
Tompkins County$118,000$94,400$59,000
Ulster County$117,300$93,850$58,650
Columbia County$116,800$93,450$58,400
Livingston County$107,000$85,600$53,500
Monroe County$107,000$85,600$53,500
Ontario County$107,000$85,600$53,500
Orleans County$107,000$85,600$53,500
Wayne County$107,000$85,600$53,500
Madison County$106,800$85,450$53,400
Onondaga County$106,800$85,450$53,400
Oswego County$106,800$85,450$53,400
Greene County$106,500$85,200$53,250
Bronx County$104,300$135,700$84,800
Kings County$104,300$135,700$84,800
New York County$104,300$135,700$84,800
Putnam County$104,300$135,700$84,800
Queens County$104,300$135,700$84,800
Richmond County$104,300$135,700$84,800
Erie County$101,500$81,200$50,750
Niagara County$101,500$81,200$50,750
Herkimer County$98,500$78,300$48,950
Oneida County$98,500$78,300$48,950
Genesee County$97,200$77,750$48,600
Seneca County$96,800$77,450$48,400
Montgomery County$95,500$76,400$47,750
Clinton County$95,400$76,300$47,700
Essex County$94,200$75,350$47,100
Hamilton County$94,200$75,350$47,100
Warren County$94,100$76,000$47,500
Washington County$94,100$76,000$47,500
Cortland County$92,900$74,300$46,450
Wyoming County$92,100$73,700$46,050
Otsego County$90,900$72,700$45,450
Schuyler County$90,600$72,500$45,300
Chemung County$89,800$71,900$44,950
Steuben County$89,800$71,900$44,950
Broome County$88,600$71,900$44,950
Tioga County$88,600$71,900$44,950
Yates County$87,900$71,900$44,950
Allegany County$86,700$71,900$44,950
Jefferson County$86,600$71,900$44,950
Cayuga County$86,000$71,900$44,950
Sullivan County$84,200$74,150$46,350
Lewis County$83,700$71,900$44,950
Chenango County$83,500$71,900$44,950
Delaware County$83,200$71,900$44,950
Franklin County$82,200$71,900$44,950
Fulton County$81,100$71,900$44,950
Chautauqua County$78,900$71,900$44,950
Cattaraugus County$78,200$71,900$44,950
St. Lawrence County$78,100$71,900$44,950

Sources

Figures are computed from the documents above and rounded to the dollar. All sources.

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