Affordable Housing Programs
Get the information, tools, and support you need to understand your rights as a New York City tenant.
Affordable Housing
Rent Stabilization
Rent Control
Good Cause Evictions Protections
General
NYCHA
Section 8 portable vouchers
Project-based Section 8 buildings
Mitchell-Lama buildings
New ‘affordable housing’ construction
How to search for open lotteries for affordable housing
In New York City, the need for genuinely affordable housing far outstrips the supply. Due to the tremendous influence of the real estate industry in our politics, our supply of housing that’s affordable to low, moderate, and middle income families is in rapid decline, as loopholes have been created to allow landlords to opt-out of subsidy programs, and to convert rent-regulated apartments to unregulated luxury-rent apartments.
While subsidized housing is an essential component of our housing landscape, most affordable housing is in privately-owned, for-profit buildings that are subject to rent-regulation. Rent stabilization and rent control – programs that regulate the rate of rent increases and causes for eviction – protect nearly twice as many tenants as all other affordable housing programs combined.
Public Housing – New York City Housing Authority (NYCHA)
The New York City Housing Authority (NYCHA) owns and operates 178,000 public housing apartments in New York City. Regulations may vary depending on whether a development was built with federal, state, or city funds, but most regulations cover all NYCHA-managed apartments across the city.
Public housing apartments operate according to specific rules, and are exempt from certain local laws.
Tenants in public housing pay 30 percent of their household income towards rent, up to the maximum rent levels for the apartment size.
Tenants must earn below the income limits, and meet other criteria. For eligible candidates, the wait time for an interview varies depending on their priority code, with employed households and certain high need categories getting preference. The wait time for income-eligible households who are not in a priority category is said to average 9 years. Note that tenants must keep reapplying to stay on the waiting list for open apartments.
The NYCHA website provides information on how to apply for an aparment in public housing.
Section 8 portable vouchers (Housing Choice Voucher program)
The Section 8 program allows tenants to rent apartments in privately-owned buildings and pay 30 percent of thier income towards rent, with Section 8 paying the difference between the tenant’s portion and the full rent for the apartment.
The New York City Housing Authority (NYCHA) administers just under 100,000 Section 8 vouchers in NYC – but the funding for the program has run out and the waiting list for vouchers is currently closed. (Exceptions: New York City’s Department of Housing Preservation and Development (HPD) has some funds set aside for particular developments, and in very limited cases, NYCHA can release emergency vouchers.)
A local law recently protected some tenants with Section 8 and other rental assistance vouchers from discrimination based on their lawful source-of-income. In New York City, it is now illegal for a landlord to refuse to rent an apartment to a tenant based solely on his or her intention to pay using a rent subsidy, or to refuse to accept such subsidy from an existing tenant, if the landlord owns any buildings with at least six apartments. If you believe that you have been discriminated against based on your lawful source of income or because you have a rent subsidy, contact the New York City Human Rights Commission at 311.
Project-based Section 8 buildings
Project-based Section 8 is a subsidized housing program for particular developments. Tenants living in the building pay 30% of their income toward rent.
There are approximately 90,000 project-based Section 8 apartments in New York City. For tenants, the program operates similar to the Section 8 portable vouchers, except that the Section 8 contract is for that particular building, and cannot be moved to another apartment.
When government contracts to participate in the project-based Section 8 program expire, landlords may be able to ‘opt out’ of the program and raise rents to market levels.
Mitchell-Lama buildings:
Mitchell-Lama was a middle-income housing development program in New York that operated from the mid-1950s through the mid-1970s, and developed over 140,000 rental and cooperative apartments. Mitchell-Lama buildings are privately owned, but under state contract to keep prices affordable to moderate & middle income families. The Mitchell-Lama program created both rental housing and limited-equity cooperative housing.
Mitchell-Lama rental buildings:
In Mitchell-Lama rental buildings, rents are usually the same across similarly sized units in the complex. Eligible tenants can participate in the SCRIE and DRIE programs to freeze their rents, and in some developments, there are additional rental assistance programs available. Landlords have the option of ‘opting out’ of the MItchell-Lama program at the end of their contracts, which typically last 20 years. The affordability protections from that point forward may depend on the date the the development was completed. If the building was occupied prior to 1974, it will likely be subject to the rent-stabilization laws, but if the complex was completed after 1974 (the cut-off date for when rent-stabilization laws applied across the board) tenants may face immediate rent hikes to market-rate prices, or eviction, if no additional contracts for rent subsidies in the development are negotiated.
Mitchell-Lama coop buildings.
Mitchell-Lama cooperative buildings involve a form of resident-ownership called ‘limited-equity’. Residents own the apartments they live in, but they are limited in their ability to profit from the sale of the apartment while the building is subject to the program’s rules. Instead of rent, residents pay maintenance fees for the upkeep of the property. Most Mitchell-Lama cooperative buildings have very strict resale restrictions that disallow profiteering, but at the end of a contract period (usually 20 years) tenants are given the option of converting to market-rate ownership (i.e. the ability to sell for a profit) or staying in the Mitchell-Lama program and keeping the units affordable to another generagion – as well as keeping the tax incentives and subsidies that come with staying in the program.
Searching for a Mitchell-Lama rental or coop apartment:
Each Mitchell-Lama development maintains its own waiting list – and the wait time varies depending on the demand. For a list of Mitchell Lamas with open waiting lists: https://housingsearch.hcr.ny.gov/housing/s/mitchell-lama-welcome-page
New ‘affordable housing’ construction
New affordable housing programs are typically financed with Low Income Housing Tax Credits (LIHTCs) or are part of market-rate developments in programs such as 80/20 or inclusionary zoning. You must apply to each development separately as units are made available. There is no central waiting list, and eligibility criteria differers from development to development – and sometimes, unit by unit
Usually apartments are made available to households whose incomes fall within a certain range – set at a percentage of the Area Median Income (AMI). Once a household rents an apartment, the income eligibility requirements are no longer the basis of the rent (even though the households are required to recertify their incomes each year.) Rents do not go up or down in proportion to the tenant’s income (as with public housing or Section 8); instead, the units are typically subject to rent-stabilization, and the rent increases follow the same guidelines as other rent-stabilized apartments.
Housing Connect: https://housingconnect.nyc.gov/PublicWeb/
What is a rent-stabilized apartment?
Rent stabilization is a program that regulates the rents of certain privately-owned apartments in New York, and gives tenants other rights. If you are rent-stabilized, there are limits to how much your rent can be increased, and there are only certain reasons why your landlord can try to ask you to leave or try to evict you.
Rent-stabilization is not a subsidy and the rent may not be affordable to you, but the program does give you protections that tenants in unregulated apartments don’t have.
Your apartment is likely rent-stabilized if:
- It has six (6) units or more
- It was built before 1974 or under a tax abatement such as 421a or J51
- The apartment was not legally deregulated before June 2019
How do I know I’m rent stabilized?
While it’s not a guarantee, a good signal that you are rent-stabilized is:
- Your building is privately-owned (not public housing or a non-profit organization)
- Your building has at least six apartments, and was built before 1974.
- Your rent is an unusual number – for example: $1187.59, rather than a round number like $1,200. Rent-stabilized apartments can only go up a certain percentage every year, causing the maximum legal rent to quickly become unusual.
- You sign a one-year or two-year lease renewal, and your rent goes up by a certain percentage. This year’s increases were 0% for a one-year lease and 0% for a two-year lease. This increase starts Oct 1 each year.
- People in your building pay different amounts of rent for apartments that are similar in size.
The only way to know if you are rent-stabilized is to get your Rent History.
Which apartments are covered by rent-stabilization?
There are approximately 900,000 rent stabilized apartments in New York City.
What rights and protections do I have as a rent stabilized tenant?
Some of the major protections and guarantees rent-stabilized tenants have include:
- Limited rent increases as set by the Rent Guidelines Board every June
- Guaranteed lease-renewal and the right to a “good cause” eviction–if you are rent-stabilized your landlord cannot simply decide they don’t want you as a tenant anymore, they are limited to certain reasons for evicting you (see below)
- Succession rights — if you are the immediate family member of a rent-stabilized tenant and have been living with them immediately prior to their moving or passing away, you might be entitled to take over the lease.
What determines a rent-stabilized apartment’s “legal regulated rent”?
Your apartment’s unique history determines the legal rent – not area market rents, nor your ability to pay. Tenants in identical apartments may pay very different rents, especially between newer tenants and long-term tenants.
You can obtain a printout of the registered rents for your apartment – called a ‘rent history’ – from the NYS Division of Housing & Community Renewal. You can have this mailed to you by get your Rent History.
How can my rent be raised in a rent-stabilized apartment?
Rent Guidelines Board increases.
The NYC Rent Guidelines Board (RGB) meets every spring to determine the renewal increase amounts for all of New York City’s rent-stabilized apartments. The RGB is a 9-member panel appointed by the mayor. They generally award landlords increases that steadily maintain or increase their profit level. The increases vary. For rent-stabilized leases being renewed between October 1, 2026 and September 30, 2027 the legal rent may be increased at the following levels: for a one-year renewal there is a 0% increase, or for a two-year renewal there is a 0% increase
A new guideline is voted on every June, and the increases take effect for leases coming up for renewal on October 1st of that year through September 30 of the following year. However, your landlord must offer you a renewal lease in order to collect a rent increase. If your landlord doesn’t offer you a valid lease renewal, you don’t need to pay the increase until a period of time after that offer.
To learn more about the Rent Guidelines Board, their meeting schedule, and see past adjustments, visit their website
Learn more about a rent-stabilized lease renewals.
Major Capital Improvements (MCIs)
When landlords replace major building systems like boilers, roofs, or plumbing, costs can be passed onto tenants as long-term rent increases. The cost is divided between all of the apartments in the building (calculated by room) and 1/144 or 1/150 of the total amount can be added to the monthly rent. Though 12 or 12.5 years later, your landlords will be fully reimbursed for the expense, your rent increase will last for 30 years. MCI increases for rent-stabilized tenants are capped at 2% per year and this amount is added to the base rent before the RGB adjustment. MCI increases are removed from the lease after 30 years.
Landlords must apply to DHCR to get MCI increases approved. Rent-stabilized tenants will receive notice that the landlord has applied for the increase and can challenge the application.
For more about challenging MCI applications, see our page on Major Capital Improvement rent increases.
Individual Apartment Improvements (IAIs)
When landlords make improvements to an individual unit, they can increase the legal rent. IAIs, which allow landlords to raise rent-stabilized rents mainly in between tenancies, are notoriously fraudulent and hard to fight. These improvements usually occur between tenants when the apartment is vacant. You may see IAIs listed on your apartment’s rent history.
The law about IAIs has changed several times recently, on June 14, 2019, for the better and now on April 20, 2024, for the worse.
- Two Tiers of IAI Caps:
Tier 1: $30,000 for all apartments, amortized over 15 years, an increase of up to $179 a month - Tier 2: apartments must have been vacant for 2022, 2023, and 2024, and apartments where the prior tenant has lived in the unit for 25 years or more. $50,000 amortized over 15 years, an increase of up to $347 a month
Tenants can investigate overcharges with DHCR – including if the unit was deregulated as a result – and seek rent adjustment and damages. (See our page on
rent stabilization overcharges.)
Tenants can also be subject to IAI increases during their tenancy if the landlord provides a new appliance, or renovates the apartment at the request of the tenant. However, rents cannot be raised for apartment repairs, and when appliances break, the tenant can request a used appliance in good working order, rather than a new appliance, to avoid any rent increase. (See our page on when an appliance breaks.)
On what grounds can I be evicted from my rent-stabilized apartment?
Non-payment of rent
- Like any other tenant, as a rent-stabilized tenant, you can be sued for eviction in Housing Court if you owe back rent.
- Violating a substantial obligation of your lease. Examples include:
- subletting without permission
- not using the apartment as your primary residence
- operating a business out of your apartment
- making alterations to your apartment without permission
- using appliances such as washing machines that are prohibited in your lease
Being a nuisance. Examples include:
- selling drugs
- constant noise coming from the apartment
- violent behavior
- cluttering your apartment to the point that it is a hazard
- paying your rent late on a chronic basis
Limited landlord actions
- owner-use (the landlord is seeking the apartment for his/her personal use, or that of an immediate family member)
- whole-building demolition
What is the history of New York’s rent-stabilization program?
Established in 1969 to cover tenants in post-World War II buildings, the law was extended when the state legislature passed the Emergency Tenant Protection Act of 1974. The rent stabilization system is NYC’s largest affordable housing program (the median household income of the rent stabilized household is $40,600 per year; while those tenants in unregulated apartments earned a median of $58,000 per year in 2013). The system protects tenants from the housing market forces that drive displacement and steep rent increases while it permits landlords a fair return on their investment. Because the system limits landlords’ profits, it is under continuous attack from the real estate industry.
The rent laws are controlled from Albany thanks to changes made in the 1970’s when Governor Rockefeller enacted vacancy decontrol in an attempt to phase out rent regulations. The rent stabilization law was saved; however, the state retained the power over the enabling of the laws and tenants must go to Albany on a regular basis to get the laws renewed, in addition to getting the NY City Council to renew the laws every three years. In the 1990’s and most recently, in 2003, landlords have forced weakening amendments as the price of renewal. Landlords gave millions of dollars to elected officials in Albany (especially to the committees formerly controlled by Governor Pataki and Senate leader Joe Bruno). Thanks to these changes, we have lost tens of thousands of units of regulated housing. Without a fierce fight from the tenants in NYC, we will lose so many more units that the laws will be gutted in Albany.
In 2019, a coalition of tenant groups from across the state fought for and won some of the strongest tenant protections in New York’s history. In addition to stronger protections for all tenants regardless of regulation status, the Housing Stability and Tenant Protection Act (HSTPA) ended the deregulation of rent-stabilized apartments, ended the 20% vacancy bonus that landlords were previously entitled to take between tenants, and brought new limits to MCI and IAI increases. We still have more to fight for! Tenants must continue to pressure lawmakers for better enforcement of existing laws, to end the unjust MCI system entirely, and to guarantee our neighbors in unregulated apartments the same rights to guaranteed renewal and limited rent increases. Join the fight today!
Rent Control
What is rent control?
Rent control is the older of the two rent regulation systems in place in New York City. Today it covers only those tenants who live in buildings built before February 1, 1947 and who have lived in their apartments since July 1, 1971 (if the building has fewer than three units, since April 1, 1953), or a person who succeeded an apartment who was in since then.
Rent control is widely misunderstood. Many times people refer to rent control but are actually referring to rent stabilization – the newer system of rent regulation. There are around a million rent stabilized apartments but fewer than 25,000 rent controlled apartments remain.
How many rent controlled apartments are there in New York City?
There are about 22,000 apartments covered by rent control in New York City today, down from over a million in the 1970’s.
Most rent-controlled tenants earn about $22,000 a year, and pay over 33% of their income for rent. After decades of organizing, the state legislature in 2019 made significant changes to to change the system to make it easier for the elderly tenants who live in rent-controlled apartments.
The Maximum Base Rent System
The Maximum Base Rent system that was used prior to June 2019 has been superseded by a new MBR increase system
How do Rent Control tenants get rent increases now?
As with the old system, landlords must apply once every two years, six months prior to the increase period. They now must use the MBR Application for 2020-2021. DHCR will allow qualifying landlords to raise the rent by the allowable increase.
As of June 2019, the rent increase will now be an average of the last 5 Rent Guidelines Board 1-year rent increases or 7.5%, whichever is less. Landlords will still need to apply for an increase. For 2020-2021, the average of the last 5 RGB increases is 00.85% .
Some landlords choose not to participate in the rent increase system for Rent Controlled tenants. And some landlords have so many violations, they are not eligible for rent increases. For tenants in these buildings, the landlord is not permitted to collect any increase. (See below for more information.)
What is the fuel pass along for rent controlled tenants?
As of June 14, 2019 – Landlords are no longer allowed to add fuel and labor pass along to rent controlled tenants.
Is there any way to stop the annual rent increases for my rent controlled apartment?
Rent increases are granted only if the owner files for it six months prior to the cycle and certifies that essential services are being maintained and that 100% of rent impairing violations and 80% of all other violations that were in place on January 1 of that year have been removed.
Rent-controlled tenants can challenge the increase if the violations were not removed. For example, if your apartment has an ongoing violation for lack of hot water or heat, the landlord’s application for the increase will be denied — and if that denial survives the owner’s appeal, the owner can not get it retroactively later. (Unlike rent stabilization where the landlord can get all lost increases once the violations are cleared.) To challenge the increase, you must file an RA-94 within 35 days of receiving the RN-26.
Rent-controlled tenants have two other challenges: tenants can use the RA-94 to say that the landlord failed to provide essential services (since the landlord swore that essential services were being provided when he filed for the MBR order), and, that the owner does not need the increase in order to run the building (the owner must certify that he paid, or promise to pay, at least 90% of the expense allowance for the operation and maintenance of the building).
In addition, like all rent-regulated tenants, rent-controlled tenants can get a rent freeze and rent reduction if the landlord is not providing services or making repairs and the tenant follows the proper procedures. To get the rent freeze and roll back, the tenant must write a letter to the landlord, mailed by certified mail, describing the problem. If, after 10 days, the owner doesn’t fix the issue, the tenant can file for a decrease with the DHCR. If the problem is lack of heat and hot water, tenants should call 311 until an inspector visits and records the violation, and then get a copy of the violation (from HPD’s website or in person) and send it to the DHCR with the proper form.
Tenants who qualify for the Senior Citizen Rent Increase Exemption or Disability Rent Increase Exemption programs should apply as soon as they qualify. Go to our SCRIE page for more information.
Rent Overcharges in Rent Control Apartments
If a landlord charges a rent-controlled tenant more than they are allowed or applied and was approved for an increase when they should not have been, rent controlled tenants can file and overcharge complaint with DHCR using the form RA-89C
History of Rent Control
The rent control law is descended from the broad rent and price controls that were in place at the end of World War II (of course, rent laws were also in effect in NYC in the 1920’s). During the late 1940’s the federal rent control system, which had been nationwide, was gradually lifted and states that wanted to preserve rent control were permitted to take on administration of the system. While New York City’s housing market suffered from both the lack of construction during the war as well as a large population influx, it also had a well organized labor and tenant movement. Thanks to agitation from the huge number of tenants in the city, Albany took over the rent control system in 1950. After that, the administration of rent control for New York City went from state to city to state, and a variety of decontrol provisions were passed. Today, rent control covers only about 22,000 apartments, down from well over one million in its heyday. The system is now under vacancy decontrol – once the tenant moves out, the apartment is decontrolled–it either becomes rent stabilized or can become unregulated entirely.
Who are rent-controlled tenants?
There are approximately 22,000 rent-controlled apartments in New York City. The median income of those households was $22,200. The median rent is $551 per apartment, and the median household pays over 33.5% of income for rent. The city’s rent-controlled tenants are mostly elderly – with most tenants having lived in their apartments since 1971 or before.
What are the special challenges?
Rent controlled tenants are elderly and living on fixed incomes. The city’s Senior Citizen Rent Increase Exemption program provides relief for some tenants. Tenants who are 62 or older, whose income is $50,000 or less, and who pay 1/3 of their income or more for rent can get their rent frozen. The program is great for those who qualify, assuming that they get the rent frozen right when they reach the qualifying marks. However, many tenants do not qualify in time to freeze the rent before it goes over the 1/3 level of income for rent. (The federal benchmark for an affordable rent is less than 30% of income.)
If you have neighbors who you think might be interested, let them know about the program. Information is available at senior centers and by calling the city at 311.
For more information about rent control:
The New York State Division of Housing & Community Renewal administers the rent control system. Fact sheets, complaint forms and other information can be found by calling 833-499-0343 or on the agency’s website. Go to the Rent Control section.
What Are My Protections
What Are My Rights
Sample Letter
Good Cause Eviction
What apartments are covered by Good Cause Protections?
If you meet all the conditions below, you may be eligible for “good cause protections”:
- You do not live in a co-op or condo.
- You are not rent-regulated.
- Your landlord must own more than ten (10) units. If your landlord lives in your building and your building is ten units or less you are not covered. You can find out how many units your landlord owns here.
- Your rent is under 245% of the Fair Market Rate by HUD.
- Studio: $5,846
- 1 BR: $6,005
- 2 BR: $6,742
- 3 BR: $8,413
- 4 BR: $9,065
- Your building was built before 2009.
- Your apartment is not part of an employment agreement.
There is no directory of what buildings are covered by Good Cause Protections. Starting on August 20, 2024, Landlords must provide a notice at lease signing, renewal leases/rent hikes, a notice of evictions, and petition papers stating why Good Cause does not cover them.
If a landlord fails to provide necessary notice, eviction cases may be thrown out in court.
How can I find out how many units my landlord owns?
Starting August 20, 2024, your landlord will be required to tell you if he is claiming to be exempt due to number of units they own. Also if your landlord brings you to court and claims to be exempt, the LLC will have to give you the name of everyone who is an owner through the LLC, how many units they own and the addresses of those units.
Due to buildings being owned by limited liability corporations (LLC). It can be complicated to know how many units your landlord owns. One place to start is by searching your building on https://whoownswhat.justfix.nyc/
What rights and protections do with Good Cause Protections?
Good cause protection is a defense in a housing court case. If you meet all the conditions on the previous above, you have the following defenses in court:
- Rent increases are limited to 5%+CPI or 10%, whichever is less. The current amount is 8.82%. Housing and Community Renewal (HCR), the state housing agency, will announce it every August.
- Your landlord can only evict you for the following reasons:
- Non-payment of rent
- Violating a term of the lease
- Nuisance or illegal activity
- Failure to sign a lease renewal
- Failure to provide reasonable access to your apartment for repairs or for your landlord to show the apartment for rent or sale.
- Landlord taking over for personal use
- Landlord taking the apt off the market
- Demolition of the building
This protection does not include tenants with cases that were begun on or before April 20, 2024
How can my rent be raised within a Good Cause protected apartment?
Rent increases are limited to a flexible standard of 5%+CPI or 10%, whichever is less. The current amount as of April 2024 is 8.82%. Housing and Community Renewal (HCR), the state housing agency, will announce it every August.
What if my rent is raised more than the Good Cause flexible standard?
If your landlord raise your rent more than this years standard you can negotiate with your landlord or you can withhold part or all of your rent and use good cause as a defense in court. The court might find against you, if a landlord can show their costs have risen or if their have done significant repairs to the building.
Good Cause Eviction
On what grounds can I be evicted from a Good Cause protected apartment?
- Non-payment of rent
- Like any other tenant, as a rent-stabilized tenant, you can be sued for eviction in Housing Court if you owe back rent.
- Violating a substantial obligation of your lease.
Some examples include but are not limited to: - operating a business out of your apartment
- making alterations to your apartment without permission
- using appliances such as washing machines that are prohibited in your lease
- Failure to provide reasonable access to your apartment for repairs or for your landlord to show the apartment for rent or sale.
- Being a nuisance or illegal activity.
Examples include: - selling drugs
- constant noise coming from the apartment
- violent behavior
- cluttering your apartment to the point that it is a hazard
- paying your rent late on a chronic basis
- Limited landlord actions
- owner-use (the landlord is seeking the apartment for his/her personal use, or that of an family member)
- Landlord taking the apt off the market
- whole-building demolition
- Failure to sign a lease renewal
Do I need a lease to be covered under Good Cause?
No, you do not need a lease to be covered as long as your building meets the criteria to be covered.
What can I do if my landlord refuses to renew my lease or tries to evict when I am protected by Good Cause?
If your landlord refuses to renew your lease, tells you that you have to leave for a reason not listed above or no reason, or tries to evict you for no reason or for a reason not listed above, do not move. Tell your landlord, they need to give youa “Good Cause” to evict you. If your landlord then tries to formally evict you in court, you can raise a Good Cause defense.
April 22, 2026
Dear landlord,
I’m writing to you, to let you know that New York State passed Good Cause Eviction on April 20, 2024 and the law went into effect immediately. According to the law, the reasonable threshold for rent increases this year is 8.82%.
That percentage would increase my rent to ______.
Please adjust my lease accordingly and send me a new copy to sign.
Sincerely,
[Your name]
Legal Disclaimer
The information contained on this web page does not constitute legal advice and must not be used as a substitute for the advice of a lawyer qualified to give advice on legal issues pertaining to housing. For more, visit our page on Finding a lawyer.
This information pertains only to tenants living in New York City.
Many of your rights depend on the type of housing you live in or your type of tenancy. You may be subject to different laws and have different sets of rights than even neighbors in your own building. Learn which rights and responsibilities apply to you.