Housing Settlement
Homeseeker Sign-Up Form
HUD Limits
Rental Assistance
Eviction Prevention
Homebuyer Counseling


Watch this virtual tour of some of the county’s newest affordable housing. From a 65-unit affordable rental development in the Town of North Salem, to a four-bedroom, single-family home for ownership in Cortlandt, the affordable housing opportunities are attractive, well-built, come in all shapes and sizes, and blend in with their surrounding communities.




Westchester County publishes free informational booklets, available below, to help with a whole range of housing topics including the very fundamental, "A Roof Over Your Head" to well researched reports and plans.



Analysis of Impediments to Fair Housing Choice
  This analysis identifies the impediments to fair housing choice and describes actions that can be taken to overcome the identified impediments.  This report was delivered to H.U.D. on April 24, 2013.
Adapting Underutilized Office Parks for Housing
  Study demonstrates feasibility of building housing, including fair and affordable housing, on underutilized office park land.
Rutgers Report (March 30, 2004)
  A report on affordable housing needs in Westchester in the years 2000 through 2015 by Rutgers University.
Affordable Housing Allocation Plan based on Rutgers Report (Nov. 9, 2005)
  Advisory recommendations on allocating affordable housing throughout Westchester.
Westchester Urban County Consortium Consolidated Plan
  The Consolidated Plan is a comprehensive document promoting a holistic approach to housing and community development needs and fosters the coordination of all programs, funded by HUD.  The report chapters can be accessed from the Community Development page.
Housing Implementation Plan
  The 46-page implementation plan provides greater detail about the county’s plans and processes for building 750 units of fair and affordable housing in 31 communities.
A Resource Guide for Homeowners of Westchester County Fair and  Affordable Housing Units
  This handbook is written for owners of subsidized housing and it details many fair and affordable housing programs and their requirements for participation. Includes program summaries, FAQs and links for additional information.  Sample letters and documents are included to make it easier to refinance or make changes to your mortgage. 
A Roof Over Your Head: A Guide to Housing Resources 
  Whether you are a tenant, landlord, homeowner, elderly, or disabled, this guide is a compilation of the most commonly-asked questions on housing resources available to everyone.  English Spanish
Housing Resource Guide for Autism Spectrum Disorder/Intellectual and Developmental Disabilities

The Westchester Institute for Human Development (WIHD) created a Housing Resource Guide for families seeking housing in Westchester County for their adult children with Autism Spectrum Disorder and other Intellectual and Developmental Disabilities. The guide:

  • contains an overview of housing options in Westchester and describes available paths and options for an individual and their family.
  • lists the resources that can affect housing opportunities and can lead to the creation of housing stock - such as governmental subsidies and incentives to home builders.
  • describes housing options in the Office for People With Developmental Disabilities (OPWDD) certified system and other state systems.
  • explains how to begin to create a housing plan, how to choose from the services and options available, and lists resources and programs for housing developers.
Who Wants Affordable Housing in their Backyard? An Equilibrium Analysis of Low Income Property Development.

This report is posted on the Stanford Business Graduate School’s Web site. It estimates the spillovers of properties financed by the Low Income Housing Tax Credit (LIHTC) onto surrounding neighborhoods and estimates the impact of LIHTC development on nearby house prices. The report concludes that affordable housing is a desirable way to invest in and revitalize low-income communities.

Federal Home Loan Banks
  The FHLB is a cooperative of banks organized into twelve regions. Together, the banks and their members are the largest providers of residential mortgages and community development credit in the United States.
Fannie Mae 
  The Federal National Mortgage Association, Fannie Mae, was established to expand the flow of mortgage funds in all communities, at all times, under all economic conditions, and to help lower the costs to buy a home. Here you will find many resources about home lending and mortgage fraud protection.
Freddie Mac 
  The Federal Home Loan Mortgage Corporation was chartered by congress to increase the supply of funds that mortgage lenders can make available to homebuyers and investors in multifamily developments. On this site you will find information for homebuyers, investors and developers including how to avoid foreclosure.
Ginnie Mae
  The Government National Mortgage Association, Ginnie Mae, is a federally sponsored agency that helps secure and guarantee the issuance of home mortgages.
Westchester Residential Opportunities
  WRO offers training and education about the fair housing responsibilities of Co-op Board members. An interactive CD and “Webcast for Coops” are available.  See link above or phone WRO at 914-428-4507 Extension 306.
Westchester Urban County Consortium Consolidated Plan
  The Consolidated Plan is a comprehensive document promoting a holistic approach to housing and community development needs and fosters the coordination of all programs, funded by HUD. You can find it in the Dept. of Planning Publications.
U.S. Department of Housing and Urban Development (HUD)
  The U.S Department of Housing and Urban Development offers information on all aspects of housing.

Westchester County submitted an update of the report titled “Analysis of Impediments to Fair Housing Choice” Chapter 12 to H.U.D. on March 20, 2017. The report and report appendices are below.


Analysis of Impediments July 2017 Chapter 12

HUD July 14, 2017 Response to VHB July 13, 2017 AI Submission

Analysis of Impediments March 2017, Chapter 12

VHB Errata sheet for March 20, 2017 AI submission

HUD April 10, 2017 response to the VHB March 20, 2017 AI submission

County’s response to HUD April 10 review letter


Analysis of Impediments December 2016, Chapter 12

HUD Dec. 29, 2016 response to VHB December 2016 AI submission


Cover Letter to HUD, April 24, 2013

Analysis of Impediments April 2013, Chapters 1-11

Analysis of Impediments April 2013, Chapter 12


Appendix 1. Fair Housing Marketing Plan

Appendix 2. Fair Housing Outreach and Education Plan

Appendix 3. Centralized Intake And Housing Outreach Plan

Appendix 4. Fair and Affordable Housing Implementation Plan

Appendix 5. Census Tables Protected Class Analysis

Appendix 6. Housing Mortgage Data

Appendix 7. Fair Housing Complaints

Appendix 8. Municipal, County, School and Special District Tax Rates 2005 - 2009

Appendix 9. Bee-Line Onboard Survey

Appendix 10. Land Use Report (25 MB)

Appendix 11. Affordable Housing Ordinance Zoning Review

Appendix 12. Municipal Zoning Abstracts

Appendix 13. Access To Employment Centers Study

Appendix 14. List of Survey Contacts

Appendix 15. Sample Survey

Appendix 16. Survey Summaries (Excel Tables)

Apeendix 17. Draft Buildout Analysis Results

Appendix 18. Housing meetings 2010-2012

Appendix 19. “Office Park Housing” dated March 2008

Appendix 20. Referral Letters

Appendix 21. Saw Mill Pocantico Stormwater Management Recon Plan 2012

Appendix 22. Municipal Zoning Analysis Report - February 2012

Appendix 23. Professor Nolon’s report, June 2012

Appendix 24. Order of the United States District Court, July 2012

Appendix 25. Status of Allocation per Affordable Housing Allocation Plan

Appendix 26. Monitor’s correspondence to the District Court July 2012

Appendix 27. County’s correspondence and table, August 2012 

Appendix 28. Tables (62) on racial and ethnic composition of zones, August 2012   

Appendix 29. Personnel involved in the preparation of the February 2012 Zoning Submission

Appendix 30. Methodology for Considering the Cost and Geographic Implications of the Six Questioned Zoning Practices

Appendix 31. Map identifying zoning districts in the 31 eligible municipalities that permit multi-family development

Appendix 32. Table of acreage, by eligible municipality, in zoning districts that permit multi-family development

Appendix 33. Map of developed and undeveloped land in multi-family zoning districts of the eligible municipalities 

Appendix 34. Table of developed and undeveloped land, by eligible municipality, within multi-family zoning districts

Appendix 35. Detailed maps for each of the 31 eligible municipalities, of development and constraints in multi-family zoned areas

Appendix 36. Table of undeveloped acreage within each zoning district, by each of the eligible municipalities

Appendix 37. Table identifying the constrained undeveloped acreage in each of the eligible municipalities

Appendix 38. Table of theoretical number of multi-family units that can be developed on undeveloped acreage

Appendix 39. Map of undeveloped parcels outside of areas served by public and private water suppliers

Appendix 40. Map of undeveloped parcels outside of areas served by County sewer district facilities

Appendix 41. Table identifying the prevailing market rate for multi-family units in each of the 31 eligible municipalities 

Appendix 42. Table identifying the multi-family unit value and land value per unit by quartile in each eligible municipality

Appendix 43. Table indentifying the cost of construction of Westchester County-funded multi-family units

Appendix 44. Table identifying density incentives for affordable housing in zoning ordinances of each of the 31 eligible municipalities

Appendix 45. Table indentifying the area and percentage of land zoned to permit building of multi-family housing in each of the 31 eligible municipalities

Appendix 46. Table identifying any zoning ordinance provisions for streamlined affordable housing approval process in each of the eligible municipalities

Appendix 47. Monitor’s correspondence to the County, October 2012

Appendix 48. County’s correspondence in response to the Monitor’s request for excel files of revised racial data, October 2012

Appendix 49. County’s correspondence regarding update of Allocation Plan table, November 2012

Appendix 50. County’s correspondence identifying the percentage of populations in each zoning district, November 2012

Appendix 51. County’s Sixth Zoning Analysis

Appendix 52. LULA Training Program Participant List

Appendix 53. CEO Roundtable List


Previously, Westchester County submitted a revised report titled “Analysis of Impediments to Fair Housing Choice” to H.U.D. in July 2011. Link to PDFs of the report and report appendices below.

Analysis of Impediments to Fair Housing Choice - July, 2011 (Main Report)





The Westchester Housing Opportunity Commission (HOC) was established by the County Board of Legislators (BOL) in August of 1994. The legislators adopted updated provisions for the HOC in 2010. The commission meets six times a year and is charged with educating, advocating and advising on the topic of the need for fair and affordable housing in Westchester County.

The HOC currently consists of 11 members appointed by the County Executive with approval by the County BOL. The commission must include at least one resident from each of the five county Planning Regions. One of the members must also be a member of the Westchester County Planning Board. The HOC is chaired by Lindsay Carden.

Studies completed with HOC involvement include:

The Office Park Housing study, completed in March of 2008, demonstrates the feasibility of building housing, including fair and affordable housing, on underutilized office park land. It includes a model zoning ordinance that could be adopted and adapted by local governments to create the opportunity for this redevelopment.

The 2005 Affordable Housing Allocation Plan, which finalized the allocation of the units identified in the Westchester County Affordable Housing Needs Assessment by the year 2015.

The Housing Needs Assessment, developed by the Center for Urban Policy Research (CUPR) at Rutgers University, released in 1991, established the goal to build 5,000 low and moderate income housing units during the 1991–2000 decade.

In 1992, the Housing Implementation Commission (HIC) was charged with developing a 1995 Affordable Housing Allocation Plan which allocated 5,000 units among each of Westchester municipalities.

For further information, contact:
Norma Drummond, Commissioner of the Department of Planning
Westchester County Planning Department
148 Martine Avenue, Room 416
White Plains, NY 10601
Tel:  (914) 995-2427