New HDFC Listings: 20 Newly-listed affordable co-ops throughout NYC from $290K

By CityRealty Staff | From Get To Know Friday, August 1, 2025

HDFC unit at 131 Bedford Avenue, #3 (Brick Real Estate LLC)

Recently, it has become clear that New York’s housing construction has failed to keep pace with the city’s population growth. This has led to rising prices and fears that there is no place for low- and middle-income buyers in New York.

These buyers should not skulk to the suburbs in despair, but look to Housing Development Fund Corporation (HDFC) units. These apartments also offer jaw-dropping prices, but from the other extreme. The program dates back to the late 1970s, when the city created a program that allowed low-income residents to buy their units for as little as $250. More recently, community development non-profit LISE NYC closed on three West Harlem buildings that it plans to renovate, convert to HDFC co-ops, and sell to existing tenants for $2,500. (Vacant units will be available through the city's affordable lottery system.)

It should be noted that to keep HDFC listings affordable, strict income caps are in place that buyers should be prepared to abide by. Moreover, in spite of the low sticker prices, buyers should be prepared to make a hefty down payment. As a result, a 2021 Bloomberg article observes that a number of HDFC units are being sold to young people whose incomes fall within the parameters but who have wealthy parents to help with the down payments, which couldn't be farther from what the program intended.

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.

Learn More About HDFC Co-ops Here→

Recent HDFC co-op listings

702 East 5th Street, #5E
$1,150,000 (-8%)

East Village | Cooperative | 2 Bedrooms, 2 Baths

702 East 5th Street, #5E (Compass)

From the Listing: Your unicorn has arrived! Perched atop an intimate East Village HDFC, this jewel box of a home is truly something special. Spanning two light-filled levels and wrapped in 17 windows with three exposures, the apartment is simply bursting with natural light and remarkable views. See floor plan and full details here.

229 East 4th Street, #3
$995,000

East Village | Cooperative | 2 Bedrooms, 1 Bath

229 East 4th Street, #3 (Corcoran Group)

From the Listing: 229 East 4th Street, Apt. 3 is a rare opportunity to own a bright and character-filled two bedroom, one-bath HDFC co-op nestled just two flights up in a charming, pet-friendly building on the Lower East Side/East Village/Alphabet City. See floor plan and full details here.

350 West 48th Street, #4E
$950,000

Midtown West | Cooperative | 1 Bedroom, 1 Bath

350 West 48th Street, #4E (Sothebys International Realty)

From the Listing: Welcome to Apartment 4E at 350 W 48th Street — a beautifully renovated, sun-filled home in the heart of Hell’s Kitchen. This rare HDFC co-op blends timeless pre-war charm with thoughtful modern upgrades, offering both style and practicality in a smartly designed layout featuring 6 rooms and soaring 10-foot ceilings. It’s an ideal choice for a refined city lifestyle. See floor plan and full details here.

The St Elmo, #2NE
$895,000

Broadway Corridor | Cooperative | 1 Bedroom, 1 Bath

The St Elmo, #2NE (The Agency Brokerage)

From the Listing: Believe it! Welcome to this stunning, sunny, newly renovated 1BR in the best Upper West Side location. Beautiful brand new open kitchen features Stainless Steel Appliances : Samsung Stove and Refrigerator, Bosch Dishwasher, Cambria Countertops, and tons of cabinet storage and work space. Large living/dining area easy fits a proper dining table and chairs. See floor plan and full details here.

1400 on Fifth, #4G
$825,000

Harlem | Condominium | 2 Bedrooms, 2 Baths | 942 ft²

1400 on Fifth, #4G (Elegran LLC)

From the Listing: Don’t wait until someone else snags unit 4G. This is the condo in Harlem you’ll wish you had called about sooner. Located on the iconic 5th Avenue, this rarely available two-bedroom, two-bath condo is the epitome of upscale Harlem living—quiet, refined, and filled with natural light from its western garden-facing exposure. Spanning over 900 square feet, this apartment offers a peaceful retreat in the heart of one of Manhattan’s most vibrant neighborhoods. See floor plan and full details here.

131 Bedford Avenue, #3
$795,000

Williamsburg | Cooperative | 1 Bedroom, 1 Bath

131 Bedford Avenue, #3 (Brick Real Estate LLC)

From the Listing: This expansive, loft-style one-bedroom apartment is located in a well-maintained HDFC co-op building with income restrictions. The building is located on a quiet, tree-lined street in the heart of Williamsburg, Brooklyn. With high ceilings, large windows, and an open layout, the space feels bright, airy, and welcoming. See floor plan and full details here.

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The Turin House, #14C
$775,000

Central Park West | Cooperative | 2 Bedrooms, 1.5 Baths

The Turin House, #14C (Compass)

From the Listing: Welcome to this two-bedroom, one and a half bath duplex in the heart of the Upper West Side, located in the pet-friendly Turin House HDFC Co-op. This spacious and inviting home offers a thoughtful layout with incredible potential. See floor plan and full details here.

620 East 9th Street, #4W
$650,000

East Village | Cooperative | 1 Bedroom, 1 Bath | 750 ft²

620 East 9th Street, #4W (Compass)

From the Listing: NEW TO MARKET! HDFC Prewar Coop - Located in the heart of Alphabet City, just half a block from Tompkins Square Park and surrounded by trendy restaurants and cafes, this spacious one-bedroom apartment offers approximately 750 square feet of living space with a classic railroad-style layout. Situated on the 4th floor, just 3 flights up, the unit features 9-foot high ceilings, new oversized double-pane tilt windows with north and south exposure, and a flexible layout filled with natural light. (Photography by Jehovy) See floor plan and full details here.

175 Claremont Avenue, #61
$575,000 (-7.3%)

Morningside Heights | Cooperative | 2 Bedrooms, 1 Bath

175 Claremont Avenue, #61 (Corcoran Group)

From the Listing: Top floor, two bedroom in an elevator building, with a view in Morningside Heights! This sunny, pre-war, four room apartment is currently configured as a one bedroom with home office. Welcome home to high ceilings, beautiful wood floors, an eat in kitchen, and a custom designed office. Enjoy everything Morningside Heights has to offer: cherry blossoms in Sakura Park, history at Grant's Tomb, Columbia's new campus and cultural center, Manhattanville. See floor plan and full details here.

27 West 84th Street, #2FW
$499,000

Central Park West | Cooperative | 1 Bedroom, 1 Bath

27 West 84th Street, #2FW (Serhant)

From the Listing: Now's your chance to own on the Upper West Side, mere steps from the iconic Central Park! Welcome to 2FW at 27 West 84th Street, a beautifully renovated HDFC income-restricted co-op nestled on a peaceful, tree-lined block just moments from Central Park. Perfectly situated between Columbus Avenue and Central Park West, this home offers the best of both worlds... classic Upper West Side charm with immediate access to one of the city's most beloved outdoor escapes in New York City. See floor plan and full details here.

The Washington, #4I
$475,000

Harlem | Cooperative | 1 Bedroom, 1 Bath

The Washington, #4I (Weichert Properties)

From the Listing: Bright & Spacious 1-Bedroom Duplex in Historic Hamilton HeightsWelcome to your new home in The Washington, a well-maintained, six-story elevator co-op located on a quiet, tree-lined street in the heart of Hamilton Heights/Central Harlem. This beautifully renovated 1-bedroom, 1-bath duplex combines modern upgrades with classic charm. See floor plan and full details here.

302 Convent Avenue, #62
$450,000

Hamilton Heights | Cooperative | 3 Bedrooms, 1 Bath

302 Convent Avenue, #62 (Corcoran Group)

From the Listing: This charming 2 bedroom, 1 bath, prewar home offers a spacious and versatile layout designed for both comfort and practicality. Featuring high ceilings and windows in every room, the residence centers around an oversized formal dining room with French doors that open into the living room-creating a flexible space that can easily be transformed into a third bedroom or home office. Please note, all of the photos are virtually enhanced to show what the apartment would look like if freshly painted and the hardwood floors were refinished. See floor plan and full details here.

237 Hancock Street, #11
$400,000

Bedford-Stuyvesant | Cooperative | 1 Bedroom, 1 Bath

237 Hancock Street, #11 (Compass)

From the Listing: Located on a beautiful tree-lined block in Stuyvesant Heights, step in time into this stunning Romanesque Renaissance Revival mansion originally built in 1890 for clothier Wilson Randolph by architect Peter Lauritzen in landmarked Bed-Stuy Brooklyn. This rarely available, top floor one bedroom, one bath gem sits on the third floor with a large landing, in a pre-war mansion. See floor plan and full details here.

550 Fort Washington Avenue, #2B
$399,000 (-3.9%)

Washington Heights | Cooperative | 1 Bedroom, 1 Bath | 800 ft²

550 Fort Washington Avenue, #2B (Compass)

From the Listing: Welcome to 550 Fort Washington Avenue, a charming co-op residence nestled in the heart of Manhattan’s desirable Hudson Heights. This delightful one-bedroom, one-bathroom home offers a cozy sanctuary with three well-appointed rooms and ample closet space, seamlessly blending historic charm with practical modern comforts in a classic pre-war, low-rise walk-up building. See floor plan and full details here.

The Monte Cristo, #2A
$385,000

Harlem | Cooperative | 2 Bedrooms, 1 Bath

The Monte Cristo, #2A (Compass)

From the Listing: Ample 2 Bedroom apartment nestled in the heart of Prime Harlem! This residence offers a comfortable and inviting living space perfect to be called home! See floor plan and full details here.

The Lenox Court, #33
$375,000

Harlem | Cooperative | 2 Bedrooms, 1 Bath

The Lenox Court, #33 (Compass)

From the Listing: This massive 2-bedroom, 1-bath home features soaring 10-foot ceilings, two king/queen-size bedrooms, and the flexibility to easily convert to a 3-bedroom layout.Separate ample living room, enjoy a well-proportioned floor plan with space to add a washer/dryer in unit! See floor plan and full details here.

353 West 47th Street, #3FW
$350,000

Midtown West | Cooperative | 1 Bedroom, 1 Bath

353 West 47th Street, #3FW (Sothebys International Realty)

From the Listing: Opportunity Knocks! This third-floor walk-up (just 2 flights up) is a true fixer-upper gem—perfect for buyers with a vision and a good architect or designer in tow. With the right renovation, this space can be transformed into a stylish and comfortable one-bedroom home in one of Manhattan’s most vibrant neighborhoods.Located directly above beloved neighborhood staple Delphinium Home, you’re moments away from restaurants, Broadway theaters, and all the charm that Hell’s Kitchen has to offer. HDFC income restrictions apply based on Section 576 of the PHFL, and if you qualify, this is an unbeatable chance to purchase in a prime location at a truly affordable price. Bring your contractor—and your imagination! See floor plan and full details here.

544 West 157th Street, #75
$330,000

Washington Heights | Cooperative | 1 Bedroom, 1 Bath

544 West 157th Street, #75 (Compass)

From the Listing: Rare opportunity to own a beautifully renovated one bedroom with open sky views in the heart of Manhattan's historic Washington Heights. This renovated one bedroom home offers a harmonious blend of classic charm and modern convenience within a well-maintained HDFC coop elevator building with a high income cap. See floor plan and full details here.

5 East 131st Street, #A3
$290,000

East Harlem | Cooperative | 2 Bedrooms, 1 Bath

5 East 131st Street, #A3 (Compass)

From the Listing: Best Priced 2 Bedroom In Harlem! Welcome to this sun-filled South facing-two bedroom HDFC co-op apartment conveniently located off Fifth Avenue in the heart of Harlem!! See floor plan and full details here.

The Kaaterskill-South, #6E
$290,000

Hamilton Heights | Cooperative | 1 Bedroom, 1 Bath

The Kaaterskill-South, #6E (Compass)

From the Listing: NEW to MARKET - HDFC Prewar Coop 165% AMI - Stylish, adorable and recently renovated 1 bedroom apartment in Historic Hamilton Heights provides unobstructed western views including the GW Bridge. The kitchen is open to the living/dining area and includes stainless steel appliances + dishwasher. The bedroom is large enough to accommodate a Queen size bed and includes two closets. See floor plan and full details here.

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In this article:

What is an HDFC Co-op?

Learn More About HDFC Co-ops Here→

Recent HDFC co-op listings

702 East 5th Street, #5E
$1,150,000 (-8%)

229 East 4th Street, #3
$995,000

350 West 48th Street, #4E
$950,000

The St Elmo, #2NE
$895,000

1400 on Fifth, #4G
$825,000

131 Bedford Avenue, #3
$795,000

Select which properties are of interest to you:

The Turin House, #14C
$775,000

620 East 9th Street, #4W
$650,000

175 Claremont Avenue, #61
$575,000 (-7.3%)

27 West 84th Street, #2FW
$499,000

The Washington, #4I
$475,000

302 Convent Avenue, #62
$450,000

237 Hancock Street, #11
$400,000

550 Fort Washington Avenue, #2B
$399,000 (-3.9%)

The Monte Cristo, #2A
$385,000

The Lenox Court, #33
$375,000

353 West 47th Street, #3FW
$350,000

544 West 157th Street, #75
$330,000

5 East 131st Street, #A3
$290,000

The Kaaterskill-South, #6E
$290,000

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In this article:

What is an HDFC Co-op?

Learn More About HDFC Co-ops Here→

Recent HDFC co-op listings

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Select which properties are of interest to you:

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