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 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)





HUD Income Limits

To qualify for housing programs households or individuals must meet the U.S. Department of Housing and Urban Development’s (HUD) Income Limits. The income limits, expressed as a percentage of the County’s area median income (AMI), are used in calculating the rents and sales prices of affordable housing. Each year Westchester County prepares and updates a fact sheet providing general information on the source of the Income Limits and setting of Sales Prices and Rent Limits. These are included in the Westchester County 2017 Area Median Income, Sales and Rent Limits Guide.  In addition, the utility allowances which are used to calculate maximum tenant net rent have been updated for 2017. The revised Utility Allowance Schedule should be used to calculate tenants’ utility costs.

The qualifying incomes described above may vary - depending on the program or population served, and are published annually by (HUD) for all areas of the country. Because Westchester County (WC) is a “High Cost” area, the County has received approval to use a calculation of 80 percent AMI for its homeownership programs, rather than HUD’s standard calculation, which applies the national average when determining the income limits.

HUD’s income limits must be used for any program involving federal funding, and was adopted by WC to use with County housing programs. The income limits are a widely accepted national standard for professionals working with fair and affordable housing issues. These limits are also used by New York State and other financiers of housing, such as charitable organizations and banks, when providing funds for housing developments in Westchester.

The County also encourages municipalities, local housing agencies and others to utilize HUD’s AMI standards and prepares and annually updates a fact sheet providing general information on the Westchester County Area Median Income, Sales and Rent Limits.

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 Linda Press Wolfe.

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, Acting Commissioner of the Department of Planning
Westchester County Planning Department
148 Martine Avenue, Room 414
White Plains, NY 10601
Tel:  (914) 995-2427


Symphony Knoll housing in Croton-on-Hudson

If you are interested in fair and affordable housing and want to be notified of available or upcoming offerings of affordable homes or rental apartments, the county highlights opportunities on the Homeseeker Web page. To find out if you meet the income, sales and rent limits for affordable housing, consult the income guidelines for Westchester.

Westchester has had a shortage of fair and affordable housing. Under state law, the county has limited legal authority to actually build housing. However, it assists and encourages the construction of housing by private developers and non-profit agencies by purchasing land, helping with housing development costs and by guiding local governments to do their part to create and preserve housing.

Many of the housing programs are administered by the county's Planning Department. Learn about our housing programs and other resources to help tenants, landlords, developers and home buyers and owners, as well as people with special accessibility needs.


If you face the possibility of foreclosure, find out about your rights and about foreclosure rescue scams. Learn more from our “Keeping Your Home” FAQs and about the process from the County Clerk’s Office. Take action. Don't wait until it's too late to get help.

Housing Settlement
In August 2009, former County Executive Andrew J. Spano entered into an agreement with the U.S. Department of Housing and Urban Development to settle a housing lawsuit. The settlement was approved by a majority of the Board of Legislators. The settlement, which calls for the development of 750 units of affordable housing by the end of 2016, is being promoted through the county's One Community Campaign.

Ringgold housing in PeekskillDiscrimination

It is illegal for persons involved in a housing search to be discriminated against. This includes the actions of realtors, landlords, advertisers, appraisers, bankers and home inspectors. If you believe you are a target of discrimination, you can find out what you can do and where to go for help.

Lead Safety

The effects of lead paint can be harmful to children. Know what to do if you suspect your home was previously painted with lead paint.

Green and Smart Technologies

Westchester uses its resources to promote innovative "green and smart technologies" technologies that protect our environment.

Housing Opportunity Commission

The Westchester Housing Opportunity Commission (HOC) was established by the County Board of Legislators in 1994. The legislators adopted updated provisions for the HOC in 2010. Learn more about the HOC on their Web page.

JV Insgram