Albany-Schenectady-Troy, NY MSA Income Limits (2026)
These are HUD’s 2026 income limits for Albany-Schenectady-Troy, NY MSA (area median income $123,100). They determine who qualifies for income-based and affordable housing — Section 8 vouchers, public housing, Section 202/811, and Low-Income Housing Tax Credit (LIHTC) units — by household size.
Albany-Schenectady-Troy, NY MSA’s area median income of $123,100 ranks #5 of 41 HUD income-limit areas in New York, where area medians range from $78,100 to $164,300.
| Household size | Extremely Low (30% AMI) | Very Low (50% AMI) | Low (80% AMI) |
|---|---|---|---|
| 1 person | $25,900 | $43,100 | $68,950 |
| 2 people | $29,600 | $49,250 | $78,800 |
| 3 people | $33,300 | $55,400 | $88,650 |
| 4 people | $36,950 | $61,550 | $98,500 |
| 5 people | $39,950 | $66,500 | $106,400 |
| 6 people | $44,360 | $71,400 | $114,300 |
| 7 people | $50,040 | $76,350 | $122,150 |
| 8 people | $55,720 | $81,250 | $130,050 |
Across household sizes, the Very Low Income (50%) threshold in Albany-Schenectady-Troy, NY MSA runs from $43,100 for a single person up to $81,250 for an eight-person household. The Low Income (80%) limit — used by many LIHTC and workforce units — reaches $130,050 for a household of eight. These limits apply to 5 counties (Albany County, Rensselaer County, Saratoga County, Schenectady County, and more).
Do you qualify?
Most income-based programs cap eligibility at the Very Low Income (50%) level, and the deepest assistance — public housing and most Section 8 vouchers — targets households at or below Extremely Low Income (30%). LIHTC and other affordable units commonly use the Low Income (80%) threshold. For example, a household of four in Albany-Schenectady-Troy, NY MSA generally qualifies for income-based housing if it earns under $61,550, and for the deepest assistance under $36,950.
Frequently asked questions
What is the income limit for a family of four in Albany-Schenectady-Troy, NY MSA?
A four-person household generally qualifies at or below $61,550 (Very Low Income), with the deepest assistance under $36,950 (Extremely Low Income) and LIHTC units commonly at $98,500 (Low Income).
What is the income limit for one person in Albany-Schenectady-Troy, NY MSA?
A single-person household qualifies for most income-based programs at or below $43,100, and for the deepest assistance under $25,900.
Counties covered: Albany County, Rensselaer County, Saratoga County, Schenectady County, Schoharie County.
Find income-based housing in this area
Nearby New York income-limit areas
Source: U.S. Department of Housing and Urban Development (HUD), FY2026 Income Limits. Limits are updated annually and may be adjusted for high-cost areas.