HDFC (Housing Development Fund Corporation) co-ops are a beacon of hope for low- and middle-income buyers. They're definitely not easy to find, but they're out there and worth a look. Don't assume you don't qualify: Qualifying income ranges are broad and can be a lot higher than you might assume – be sure to check the listings for income caps or contact us if none are shown.
Check out this week's rundown of recent listings and our map below and for some fine examples. We'll update our map showing all the HDFC listings on a monthly basis.
Check out this week's rundown of recent listings and our map below and for some fine examples. We'll update our map showing all the HDFC listings on a monthly basis.
What is an HDFC Co-op?
HDFC units were created several decades ago as a way for tenants in poorly managed buildings to take control of the property and form cooperatives. The city sold these apartments to residents for a mere $250 a piece. Obviously they no longer trade for that price, but they do often sell for far less than what a comparable market rate unit in the same neighborhood would.Read More About HDFC Co-ops→
In this article:
1 Bed, 1 Bath | Bushwick
From the listing:
AKA 53 Woodbine Street. 2 Blocks from the JZ and a short stroll to the M train is this gorgeous gut renovated unit. One flight up in a prewar corner building with large living room , bedroom and beautiful open kitchen. The kitchen renovation includes granite countertops, new appliances with the coveted in unit stackable washer/dryer and radiant floor heating. Large renovated bath with tub. All electric and plumbing is new.
Income Restrictions:
$87,720 - Individual
$100,200 - Family of 2
$112,680 - Family of 3
$125,160 - Family of 4
AKA 53 Woodbine Street. 2 Blocks from the JZ and a short stroll to the M train is this gorgeous gut renovated unit. One flight up in a prewar corner building with large living room , bedroom and beautiful open kitchen. The kitchen renovation includes granite countertops, new appliances with the coveted in unit stackable washer/dryer and radiant floor heating. Large renovated bath with tub. All electric and plumbing is new.
Income Restrictions:
$87,720 - Individual
$100,200 - Family of 2
$112,680 - Family of 3
$125,160 - Family of 4
3 Beds, 1.5 Baths | Washington Heights
From the listing:
Welcome Home! This sprawling, sun-filled 3-bedroom, 1.5-bathroom home is located in the coveted Audubon Park Historic District of Washington Heights and enjoys south-facing, open city views. Beautiful sunlight streams in all day through the home's oversize windows, all of which were recently replaced with brand new models. In addition to its three bedrooms, the home boasts a large formal dining room that could easily be used as an additional bedroom, allowing the home to function as a 4-bedroom residence. This special home abounds with beautiful prewar details that hearken to the building's past, including an original fireplace mantel, soaring 10-foot ceilings, decorative wall paneling, crown moldings, beamed ceilings, and a beautiful bay window anchoring the living room. Elegant French doors separate the spacious living room and formal dining room, and the home's large, windowed kitchen contains a washing machine and easily accommodates its own dining table.
Income Restrictions:
$62,151 - Individual
$62,151 - Family of 2
$72,507 - Family of 3
Welcome Home! This sprawling, sun-filled 3-bedroom, 1.5-bathroom home is located in the coveted Audubon Park Historic District of Washington Heights and enjoys south-facing, open city views. Beautiful sunlight streams in all day through the home's oversize windows, all of which were recently replaced with brand new models. In addition to its three bedrooms, the home boasts a large formal dining room that could easily be used as an additional bedroom, allowing the home to function as a 4-bedroom residence. This special home abounds with beautiful prewar details that hearken to the building's past, including an original fireplace mantel, soaring 10-foot ceilings, decorative wall paneling, crown moldings, beamed ceilings, and a beautiful bay window anchoring the living room. Elegant French doors separate the spacious living room and formal dining room, and the home's large, windowed kitchen contains a washing machine and easily accommodates its own dining table.
Income Restrictions:
$62,151 - Individual
$62,151 - Family of 2
$72,507 - Family of 3
2 Beds, 1 Bath | Hamilton Heights
From the listing:
Welcome Home! This sprawling, sun-filled 3-bedroom, 1.5-bathroom home is located in the coveted Audubon Park Historic District of Washington Heights and enjoys south-facing, open city views. Beautiful sunlight streams in all day through the home's oversize windows, all of which were recently replaced with brand new models. In addition to its three bedrooms, the home boasts a large formal dining room that could easily be used as an additional bedroom, allowing the home to function as a 4-bedroom residence. This special home abounds with beautiful prewar details that hearken to the building's past, including an original fireplace mantel, soaring 10-foot ceilings, decorative wall paneling, crown moldings, beamed ceilings, and a beautiful bay window anchoring the living room. Elegant French doors separate the spacious living room and formal dining room, and the home's large, windowed kitchen contains a washing machine and easily accommodates its own dining table.
Income Restrictions:
$62,151 - Individual
$62,151 - Family of 2
$72,507 - Family of 3
Welcome Home! This sprawling, sun-filled 3-bedroom, 1.5-bathroom home is located in the coveted Audubon Park Historic District of Washington Heights and enjoys south-facing, open city views. Beautiful sunlight streams in all day through the home's oversize windows, all of which were recently replaced with brand new models. In addition to its three bedrooms, the home boasts a large formal dining room that could easily be used as an additional bedroom, allowing the home to function as a 4-bedroom residence. This special home abounds with beautiful prewar details that hearken to the building's past, including an original fireplace mantel, soaring 10-foot ceilings, decorative wall paneling, crown moldings, beamed ceilings, and a beautiful bay window anchoring the living room. Elegant French doors separate the spacious living room and formal dining room, and the home's large, windowed kitchen contains a washing machine and easily accommodates its own dining table.
Income Restrictions:
$62,151 - Individual
$62,151 - Family of 2
$72,507 - Family of 3
3 Beds, 2 Baths | East Harlem
From the listing:
RARELY AVAILABLE, an entire floor unit, approximately 1,300 sf with huge 3 bedrooms, 2 bathrooms, spacious living room, and large open kitchen where you can enjoy peace and tranquility from the busy Manhattan lifestyle. This apartment has been recently renovated. Two modernized bathrooms with Grohe auto-adjust stabilizing temperature shower faucets, new heating radiators in all rooms, newly sanded and refinished floor for the entire apartment. Also all new solid curly maple doors and all new double pane windows with a sound dampening of NY traffic. Bosch washer and dryer are inside the apartment. The kitchen was totally renovated with all new stainless steel appliances, new cabinets, Capital Professional grade gas burner and infrared broiler with true exhaust range hood (throws the smoke & carbon monoxide out of the apartment, not recirculating within). Top of the line Kitchen Aid stainless steel counter-depth refrigerator, new Bosch dishwasher, and two-temperature zones wine cooler for independent red and white wine temperature.For those who love electronics and the internet - Entire apartment has been rewired with a new heavy gauge copper electrical wiring. All rooms are wired with 10 Gbps Ethernet fabric network, new phone wiring, and new coaxial cable wiring to have great Home Theater experience in all rooms. The apartment has both Verizon Fios fiber-optic and TimeWarner WAN wiring, so you could have redundant fail-safe internet networking (with dual WAN router) for your home office should you choose to work from home on mission-critical job or day trading.The building has a new intercom system and is part of several coop buildings connected by numerous open spaces.
Email or call CityRealty at (212) 755-5544 for income restrictions.
RARELY AVAILABLE, an entire floor unit, approximately 1,300 sf with huge 3 bedrooms, 2 bathrooms, spacious living room, and large open kitchen where you can enjoy peace and tranquility from the busy Manhattan lifestyle. This apartment has been recently renovated. Two modernized bathrooms with Grohe auto-adjust stabilizing temperature shower faucets, new heating radiators in all rooms, newly sanded and refinished floor for the entire apartment. Also all new solid curly maple doors and all new double pane windows with a sound dampening of NY traffic. Bosch washer and dryer are inside the apartment. The kitchen was totally renovated with all new stainless steel appliances, new cabinets, Capital Professional grade gas burner and infrared broiler with true exhaust range hood (throws the smoke & carbon monoxide out of the apartment, not recirculating within). Top of the line Kitchen Aid stainless steel counter-depth refrigerator, new Bosch dishwasher, and two-temperature zones wine cooler for independent red and white wine temperature.For those who love electronics and the internet - Entire apartment has been rewired with a new heavy gauge copper electrical wiring. All rooms are wired with 10 Gbps Ethernet fabric network, new phone wiring, and new coaxial cable wiring to have great Home Theater experience in all rooms. The apartment has both Verizon Fios fiber-optic and TimeWarner WAN wiring, so you could have redundant fail-safe internet networking (with dual WAN router) for your home office should you choose to work from home on mission-critical job or day trading.The building has a new intercom system and is part of several coop buildings connected by numerous open spaces.
Email or call CityRealty at (212) 755-5544 for income restrictions.
1 Bed, 1 Bath | Harlem
From the listing:
Welcome to 80 Saint Nicholas Avenue #7F. Enter this bright and newly renovated pre-war co-op home to discover beautifully refinished oak hardwood floors, 9" ceilings, and framed windows throughout. The windowed kitchen features a stainless steel appliance package including refrigerator, gas range, and microwave along with all new cabinetry, countertop, sink, faucet, subway tile backsplash, and ceramic tile flooring. Take time to unwind in the updated bathroom where neutral ceramic tile walls and flooring encase a combination shower/jetted tub. Enjoy the close proximity to Central Park, CUNY's Morningside Campus, Columbia University, and all of the neighborhood's great shopping and dining options including both of Harlem's restaurant rows on Lenox Ave and Frederick Douglass Blvd. Transportation is readily available with the 2 & 3 express subways 2 blocks north at W.
Income Restrictions:
$120,615 - Individual
$137,775 - Family of 2
$154,935 - Family of 3
Welcome to 80 Saint Nicholas Avenue #7F. Enter this bright and newly renovated pre-war co-op home to discover beautifully refinished oak hardwood floors, 9" ceilings, and framed windows throughout. The windowed kitchen features a stainless steel appliance package including refrigerator, gas range, and microwave along with all new cabinetry, countertop, sink, faucet, subway tile backsplash, and ceramic tile flooring. Take time to unwind in the updated bathroom where neutral ceramic tile walls and flooring encase a combination shower/jetted tub. Enjoy the close proximity to Central Park, CUNY's Morningside Campus, Columbia University, and all of the neighborhood's great shopping and dining options including both of Harlem's restaurant rows on Lenox Ave and Frederick Douglass Blvd. Transportation is readily available with the 2 & 3 express subways 2 blocks north at W.
Income Restrictions:
$120,615 - Individual
$137,775 - Family of 2
$154,935 - Family of 3
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1 Bed, 1 Bath | Midtown West
From the listing:
This charming one bedroom, one bath apartment is located on the second floor of an impeccably maintained building with a handsome brick townhouse-like facade. It features a spacious living room with bright southern exposure and city and street-scape views, an open and windowed eat-in kitchen. The quiet bedroom features two windows and is located in the back of the apartment along with a windowed en-suite bath. The building features a live-in super, free laundry in the basement and a common patio.
Income Restrictions:
$120,615 - Individual
$137,775 - Family of 2
This charming one bedroom, one bath apartment is located on the second floor of an impeccably maintained building with a handsome brick townhouse-like facade. It features a spacious living room with bright southern exposure and city and street-scape views, an open and windowed eat-in kitchen. The quiet bedroom features two windows and is located in the back of the apartment along with a windowed en-suite bath. The building features a live-in super, free laundry in the basement and a common patio.
Income Restrictions:
$120,615 - Individual
$137,775 - Family of 2
1 Bed, 1 Bath | East Village
From the listing:
This floor through apartment in the East Village is now available for your finishing touches. Light from two North facing windows and two south facing windows make this sunny and bright all day long.The south facing windows let in the view through to 8th street. There is a community garden and this provides a leafy oasis. Both washer dryer and dishwasher allowed with board approval. There are beautiful dark hardwood floors throughout the apartment, except for the Kitchen. W/D & Dishwasher allowed with boards approval. An easy 2 flights up. Two apartments per floor. Building Features: A low monthly maintenance, $450/per month, super, intercom system, the building financials are very good. Neighborhood Features: Thompkins Square Park is at the corner. There are many great places to recreate, eat and shop.
Income Restrictions:
$54,000 - Individual
$63,000 - Family of 2
This floor through apartment in the East Village is now available for your finishing touches. Light from two North facing windows and two south facing windows make this sunny and bright all day long.The south facing windows let in the view through to 8th street. There is a community garden and this provides a leafy oasis. Both washer dryer and dishwasher allowed with board approval. There are beautiful dark hardwood floors throughout the apartment, except for the Kitchen. W/D & Dishwasher allowed with boards approval. An easy 2 flights up. Two apartments per floor. Building Features: A low monthly maintenance, $450/per month, super, intercom system, the building financials are very good. Neighborhood Features: Thompkins Square Park is at the corner. There are many great places to recreate, eat and shop.
Income Restrictions:
$54,000 - Individual
$63,000 - Family of 2
1 Bed, 1 Bath | Midtown West
From the listing:
Here is your chance to own an affordable one-bedroom apartment in prime Hell’s Kitchen, located on the second floor of a well-maintained historic townhouse on a lovely tree-lined street. This apartment features north facing views from over-sized windows in the living room, and south facing views from the large bedroom. The open kitchen includes tons of counter space, drawers and cabinet storage, and the tiled bathroom has full tub with shower. The apartment offers prewar details, hardwood floors, high ceilings and four closets, The building, 418 West 46th Street, is a self-managed, twelve-unit, 5-story townhouse with basement laundry facilities and bike space, as well as a common garden. Easy access to Restaurant Row, Broadway theaters, shops, bars, cafes, the Hudson River and numerous mass transportation options makes this a prime location. This is an HDFC coop and must be your primary residence.
Income Restrictions:
$120,615 - Individual
$137,775 - Family of 2
Here is your chance to own an affordable one-bedroom apartment in prime Hell’s Kitchen, located on the second floor of a well-maintained historic townhouse on a lovely tree-lined street. This apartment features north facing views from over-sized windows in the living room, and south facing views from the large bedroom. The open kitchen includes tons of counter space, drawers and cabinet storage, and the tiled bathroom has full tub with shower. The apartment offers prewar details, hardwood floors, high ceilings and four closets, The building, 418 West 46th Street, is a self-managed, twelve-unit, 5-story townhouse with basement laundry facilities and bike space, as well as a common garden. Easy access to Restaurant Row, Broadway theaters, shops, bars, cafes, the Hudson River and numerous mass transportation options makes this a prime location. This is an HDFC coop and must be your primary residence.
Income Restrictions:
$120,615 - Individual
$137,775 - Family of 2
2 Beds, 1 Bath | Harlem
From the listing:
This 2 bedroom home is large, comfortable, and just lovely. Recently renovated from top to bottom there are new hardwood floors, including sub-flooring, new plumbing & electrical, new windows, and high ceilings. The open kitchen is big, has new cabinets, and there's a separate area for dining. The large master bedroom is quiet, and has lots of closet & storage space. The second bedroom is also large, so roomy that it presently is used as a painting studio! The windowed bathroom was lovingly restored and has original features; including the freshly enameled original claw tub. Western exposure bathes this home in beautiful afternoon sunlight. And there's tons of closet space. The building is on a quiet and beautiful stretch of Manhattan Avenue and features a laundry room, bike room, an exercise room AND private storage cages. One of the best parts of living here is the neighborhood. South Harlem has lots of great new restaurants, bars, shops, and specialty food stores right along Frederick Douglass Blvd. Harlem's new Whole Foods is close by.
Income Restrictions:
$$87,720 - Individual
$100,200 - Family of 2
$112,680 - Family of 3
$125,160 - Family of 4
This 2 bedroom home is large, comfortable, and just lovely. Recently renovated from top to bottom there are new hardwood floors, including sub-flooring, new plumbing & electrical, new windows, and high ceilings. The open kitchen is big, has new cabinets, and there's a separate area for dining. The large master bedroom is quiet, and has lots of closet & storage space. The second bedroom is also large, so roomy that it presently is used as a painting studio! The windowed bathroom was lovingly restored and has original features; including the freshly enameled original claw tub. Western exposure bathes this home in beautiful afternoon sunlight. And there's tons of closet space. The building is on a quiet and beautiful stretch of Manhattan Avenue and features a laundry room, bike room, an exercise room AND private storage cages. One of the best parts of living here is the neighborhood. South Harlem has lots of great new restaurants, bars, shops, and specialty food stores right along Frederick Douglass Blvd. Harlem's new Whole Foods is close by.
Income Restrictions:
$$87,720 - Individual
$100,200 - Family of 2
$112,680 - Family of 3
$125,160 - Family of 4
1 Bed, 1 Bath | Clinton Hill
From the listing:
Located in prime Clinton Hill, this spacious 1-bedroom, 1-bathroom sponsor unit at 211 St James Place HDFC CO-OP BUILDING with a low maintenance fee is available for the first time in decades. On the second floor of a 16-unit building, this apartment features hardwood floors and 10 feet high ceilings and receives great natural light. This is a rare opportunity to own in this vibrant neighborhood surrounded by great shops, bars, restaurants such as The Good Batch, Gordon Savory, Pizza Loves Emily and Sisters. Right by the C train station at Clinton/Washington Aves and a short distance to Barclays Center / Atlantic Terminal, Brooklyn Museum, Fort Greene Park and BAM. CASH BUYERS ONLY.
Income Restrictions:
$40,513 - Maximum Gross Household Income
Located in prime Clinton Hill, this spacious 1-bedroom, 1-bathroom sponsor unit at 211 St James Place HDFC CO-OP BUILDING with a low maintenance fee is available for the first time in decades. On the second floor of a 16-unit building, this apartment features hardwood floors and 10 feet high ceilings and receives great natural light. This is a rare opportunity to own in this vibrant neighborhood surrounded by great shops, bars, restaurants such as The Good Batch, Gordon Savory, Pizza Loves Emily and Sisters. Right by the C train station at Clinton/Washington Aves and a short distance to Barclays Center / Atlantic Terminal, Brooklyn Museum, Fort Greene Park and BAM. CASH BUYERS ONLY.
Income Restrictions:
$40,513 - Maximum Gross Household Income
Use the map below to see all HDFC listings in NYC:
Would you like to tour any of these properties?
Just complete the info below.
Or call us at (212) 755-5544
Would you like to tour any of these properties?
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Sandra Herrera
Sandra Herrera is a writer, editor, and graphic designer based in Brooklyn, NY.
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