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A blog from CityRealty (Links below will take you to the 6sqft site)


This week's rundown includes a Chelsea HDFC Co-op for $479K This week's rundown includes a Chelsea HDFC Co-op for $479K
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 the broker if none are shown.

Check out our latest rundown of recent listings and our map below and for some more fine examples. We'll update our map showing all the HDFC listings every month.

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

1 Bed, 1 Bath

408 west 25th street bedroom Chelsea co-op bedroom. Listing photos via Corcoran
408 west 25th street living room Living Room
408 west 25th street kitchen Kitchen
Situated two flights up in a pet-friendly Chelsea building, this renovated apartment is perfect for those seeking a smaller space that blends modern finishes with pre-war character. It features high ceilings, new hardwood floors and moldings, pocket doors, and contemporary kitchens with stainless steel appliances, including a Bertazzoni stove and range hood. Monthly maintenance is just $550/month! And since it's Chelsea, there are plenty of places to visit, like the High Line, Citizens of Chelsea Cafe, Sullivan Street Bakery, Whole Foods, and Trader Joe's.

Income Restrictions:

Contact the broker for more details.

2 Beds, 1 Bath

527 East 12th Street Living Living Area. Listing photos via Compass
527 East 12th Street Kitchen Kitchen
527 East 12th Street Bedroom Bedroom
This charming two-bedroom is located on one of the few quiet tree-lined streets in the East Village but is a still a short walk to Union Square. The apartment has oversized windows, custom storage, a windowed kitchen, stainless steel appliances, and original hardwood floors. Both bedrooms can accommodate any size bed (hard to find in this neighborhood), and the master bedroom is spacious enough for extra furniture. The building offers a common roof deck with city views.

Income Restrictions:

$110,220 - Individual

$126,060 - Family of 2

$141,735 - Family of 3

1 Bed, 1 Bath

501 West 156th Street Living Living & dining area. Listing photos via Spire Group
501 West 156th Street Kitchen Kitchen
501 West 156th Street Bedroom Bedroom
Formerly a two-bedroom, this gorgeous Washington Heights home was gut renovated to create a huge, airy one-bedroom apartment with enough space for a home office. Features include a breakfast bar, hardwood floors, high ceilings, recessed lighting, and exposed brick. The building is ideally situated near a few subway stops; you'll have the choice of taking the B, D, C, and 1 trains. Oh, and get ready for lots of greenery - Jackie Robinson Park, Riverbank, High Bridge Park, and the Hudson River Greenway are all nearby.

Income Restrictions:

Contact the broker for more details.

2 beds, 1 bath

50 West 106 Street Living Living Room. Listing photos via Keller Williams
50 West 106 Street Kitchen Kitchen
50 West 106 Street Bedroom Bedroom
A rare opportunity to live literally a block away from Central Park! Unit 2F is a recently renovated two-bedroom, one-bath apartment that boasts North and East views and a beautifully modern kitchen that is equipped with soft close drawers, custom cabinetry, stainless steel appliances, and a lit backsplash. Other features include four closets and a bathroom with a deep soaking tub and updated sink. The building offers part-time doorman hours 6 days a week, video security, a resident super, and a laundry and bike room.

Income Restrictions:

Contact the broker for more details.

3 Beds, 1 Bath

2041 Fifth Avenue Exterior Exterior of 2041 Fifth Avenue (Right). All listing photos via Corcoran
2041 Fifth Avenue Kitchen Kitchen
2041 Fifth Avenue Bedroom Bedroom (Virtually Staged)
Although this newly-listed three-bedroom co-op is in need of a little TLC, it's only $450K and spans 1,034-square feet with three bedrooms and one-and-a-half baths. The unit also features an open living and dining area, hardwood oak floors, plenty of closet space, and new over-sized double-pane tilt windows. The building is pet-friendly and is steps away from the 2, 3, 4, and 5 trains as well as Marcus Garvey Park and Harlem River Park.

Income Restrictions:

$80,160 - Individual

$91,680 - Family of 2

$103,080 - Family of 3

You can check the map below for more current NYC HDFC Co-op Listings:

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Additional Info About the Building

Content Specialist Sandra Herrera Sandra Herrera is a writer, editor, and graphic designer based in Brooklyn, NY.
Spacious 1 Bedrooms with outdoor space and in-residence w/d View Property
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