Fair Shot Housing

Upstate New York affordable housing guides

See open listings in Upstate New York
  • ApplyingNew York

    Mitchell-Lama apartments: how to apply and how waitlists work

    Mitchell-Lama apartments are affordable rental and co-op homes in New York for moderate- and middle-income families. Each building keeps its own waitlist, so you apply building by building. As of October 9, 2026, we list 61 open Mitchell-Lama waitlists, 25 of them in New York City.

    7 min read

  • ApplyingNew York

    New York first-time home buyer programs: grants and loans

    New York's main first-time buyer help comes from SONYMA, the State of New York Mortgage Agency, which offers fixed-rate loans and down payment loans through participating lenders. Income and price limits depend on the county. Cities, counties, a federal home loan bank and federal loans add more, and a few below-market homes sell by lottery.

    8 min read