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HDFC Co-ops CityRealty's Roundup of NYC's Best HDFC Co-ops Includes a Central Park West Co-op for $400K
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

17 west 106th street living room Living Room (Photos via Blu Realty Group)
An unheard of price is being asked for this one-bedroom co-op located literally just steps away from Central Park. And while the apartment, being sold as is, needs some TLC and is on the fifth floor of a walk-up building, it has great character. Original doors, floors, beamed ceilings, and wood trim can be found throughout, along with exposed brick in the living room. Other features include a walk-in closet, high ceilings, and a kitchen with a Miele cooktop and colorful Spanish porcelain tiles. The building offers a laundry room in the basement. To top it off - the monthly maintenance is just $550.

Income Restrictions:

A person or family with 2 or less dependents cannot earn more than $45,000 annually. A family with 3 or more dependents cannot earn more than $52,000 annually.

2 Beds, 1 Bath

65 North 8th Street Living Room Living Room (Photos via Nest Seekers)
Kitchen/ Bath
Over in Williamsburg, a charming two-bedroom co-op is being offered for less than $600K. It's located just off of the popular Kent Avenue on the waterfront. Even better, the apartment was recently renovated, has features like hardwood floors and spacious bedrooms, and boasts a monthly maintenance fee of $700. The only kicker? It's on the fifth floor of a walkup. But hey, at least the height allows for some partial views of the Hudson River, Manhattan skyline, and Bushwick Inlet Park.

Income Restrictions:

Contact the broker for more details.

1 Bed, 1 Bath

Dining Room (Photos via Corcoran)
Living Room
If you're reading this, it's (probably) too late.
But in case it's not, this stunning East Village apartment was listed two days ago and is situated on the second-floor of a pet-friendly pre-war co-op. The 750-square-foot home has a flexible layout with 9' high ceilings, oversized windows, north & south exposures, a large eat-in double windowed kitchen, and features like exposed brick, a fresh coat of paint, and ceiling fans. The monthly maintenance is also an affordable $450. Get a move on already!

Income Restrictions:

$55,000 - Individual

$55,000 - Family of 2

$65,000 - Family of 3

3 Beds, 1.5 Baths

Living Area (Photos via Halstead)
There's a reason why Harlem co-ops consistently get featured on our HDFC round-ups - the apartments offer plenty of space, character, and transportation convenience. This three-bedroom, one-and-a-half bathroom residence is four blocks away from Central Park and around the corner from the 2/3 trains at 116th Street. The home itself features an eat-in kitchen, beautiful hardwood flooring throughout, plenty of closet space, and a master bedroom. The building, which is in the process of going green, offers laundry facilities on the ground level. Monthly maintenance is $709.

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:

Content Specialist Sandra Herrera Sandra Herrera is a writer, editor, and graphic designer based in Brooklyn, NY.
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