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Finding housing that fits your budget can be challenging. Housing is generally defined as affordable if it costs one-third or less of your income.

If you pay more, you’re not alone. Here’s where to look for affordable units with rents and maintenance costs that stay stable over time.

Rising rents and housing costs can make it hard to keep up with bills.

You may qualify for programs that help pay rent, utilities, and other housing expenses.

Renters

Homeowners

Facing the loss of your home can be stressful, but you don’t have to navigate this alone.

If you are at risk of eviction or foreclosure, there are programs and legal protections that may help you stay in your home and find a path forward.

You can get help paying for groceries by enrolling in a food benefits program.

Free food is available to all New Yorkers who need it.

You can learn about programs that provide free prepared meals to eligible New Yorkers.

For everyone

For children

For older adults

Health insurance plans

Health insurance can help cover doctor’s visits, medications, and assistive devices like hearing aids or glasses. If you don’t qualify for coverage through your workplace, there are other options that may fit your budget.

For children Sign up for Child Health Plus if your child needs health insurance and doesn’t qualify for Medicaid. › For seniors or people with disabilities Sign up for Medicare if you're 65 or older or have a qualifying disability. ›

Navigating your options

Choosing a health plan can feel overwhelming. Trained specialists can help you find a plan, check your eligibility, or renew your coverage.

Medical debt isn’t the only option for uninsured New Yorkers who need health care. If you don’t qualify for health insurance or missed the enrollment deadline, you may still be able to get affordable care with transparent pricing.

Save money on your commute and other everyday trips by subway, bus, ferry, or paratransit.

You may qualify for free transportation to access health care, older adult services, and other essential needs.

Driving can be expensive. These options can help reduce the cost of owning and using a car. 

Bikes and e-scooters are low-cost ways to get around the city. You can find discounts and free gear to make riding easier, safer, and more affordable.

Learn about free or low-cost child care and early education programs.

A child care voucher can cover some or all your child care costs. If you qualify, you can use it year-round for up to 24 hours a day with a provider you choose.

You can sign up for free or low-cost programs outside of school hours. These programs help kids learn, have fun, build skills, and stay active. 

You may qualify for tax credits that help offset the cost of child care. To claim them, you’ll need to file a tax return. Â鶹AV Tax Prep offers free tax filing help.

If you work in New York City, you may have the right to job-protected, paid time off to care for your child. Learn your rights and how to use paid leave.