Simply Approved Mortgages
HUD data

Difficult Development Areas in New York (2026)

HUD's New York DDA designations — metro SDDA ZIP codes and non-metro counties where costs run high against local incomes. Each qualifies for LIHTC's 30% basis boost.
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Total DDAs
295
Metro SDDA ZIPs
289
Non-Metro county DDAs
6

Non-metro county DDAs

CountyDDA code
Otsego County, New YorkNCNTY36077N36077
Sullivan County, New YorkNCNTY36105N36105
Greene County, New YorkNCNTY36039N36039
Cortland County, New YorkNCNTY36023N36023
Clinton County, New YorkNCNTY36019N36019
Hamilton County, New YorkNCNTY36041N36041

Metro SDDA ZIP codes

ZIPMetro area
10001New York, NY HUD Metro FMR Area
10002New York, NY HUD Metro FMR Area
10003New York, NY HUD Metro FMR Area
10004New York, NY HUD Metro FMR Area
10005New York, NY HUD Metro FMR Area
10006New York, NY HUD Metro FMR Area
10007New York, NY HUD Metro FMR Area
10009New York, NY HUD Metro FMR Area
10010New York, NY HUD Metro FMR Area
10011New York, NY HUD Metro FMR Area
10012New York, NY HUD Metro FMR Area
10013New York, NY HUD Metro FMR Area
10014New York, NY HUD Metro FMR Area
10016New York, NY HUD Metro FMR Area
10017New York, NY HUD Metro FMR Area
10018New York, NY HUD Metro FMR Area
10019New York, NY HUD Metro FMR Area
10021New York, NY HUD Metro FMR Area
10022New York, NY HUD Metro FMR Area
10023New York, NY HUD Metro FMR Area
10024New York, NY HUD Metro FMR Area
10025New York, NY HUD Metro FMR Area
10026New York, NY HUD Metro FMR Area
10027New York, NY HUD Metro FMR Area
10028New York, NY HUD Metro FMR Area
10029New York, NY HUD Metro FMR Area
10030New York, NY HUD Metro FMR Area
10031New York, NY HUD Metro FMR Area
10032New York, NY HUD Metro FMR Area
10033New York, NY HUD Metro FMR Area
10034New York, NY HUD Metro FMR Area
10035New York, NY HUD Metro FMR Area
10036New York, NY HUD Metro FMR Area
10037New York, NY HUD Metro FMR Area
10038New York, NY HUD Metro FMR Area
10040New York, NY HUD Metro FMR Area
10044New York, NY HUD Metro FMR Area
10065New York, NY HUD Metro FMR Area
10069New York, NY HUD Metro FMR Area
10075New York, NY HUD Metro FMR Area
10119New York, NY HUD Metro FMR Area
10128New York, NY HUD Metro FMR Area
10162New York, NY HUD Metro FMR Area
10279New York, NY HUD Metro FMR Area
10280New York, NY HUD Metro FMR Area
10282New York, NY HUD Metro FMR Area
10301New York, NY HUD Metro FMR Area
10309New York, NY HUD Metro FMR Area
10461New York, NY HUD Metro FMR Area
10463New York, NY HUD Metro FMR Area
10464New York, NY HUD Metro FMR Area
10465New York, NY HUD Metro FMR Area
10501New York, NY HUD Metro FMR Area
10502New York, NY HUD Metro FMR Area
10503New York, NY HUD Metro FMR Area
10504New York, NY HUD Metro FMR Area
10506New York, NY HUD Metro FMR Area
10510New York, NY HUD Metro FMR Area
10514New York, NY HUD Metro FMR Area
10518New York, NY HUD Metro FMR Area
10519New York, NY HUD Metro FMR Area
10522New York, NY HUD Metro FMR Area
10523New York, NY HUD Metro FMR Area
10524New York, NY HUD Metro FMR Area
10526New York, NY HUD Metro FMR Area
10527New York, NY HUD Metro FMR Area
10528New York, NY HUD Metro FMR Area
10530New York, NY HUD Metro FMR Area
10533New York, NY HUD Metro FMR Area
10536New York, NY HUD Metro FMR Area
10537New York, NY HUD Metro FMR Area
10538New York, NY HUD Metro FMR Area
10543New York, NY HUD Metro FMR Area
10545New York, NY HUD Metro FMR Area
10546New York, NY HUD Metro FMR Area
10547New York, NY HUD Metro FMR Area
10560New York, NY HUD Metro FMR Area
10562New York, NY HUD Metro FMR Area
10567New York, NY HUD Metro FMR Area
10573New York, NY HUD Metro FMR Area
10576New York, NY HUD Metro FMR Area
10577New York, NY HUD Metro FMR Area
10578New York, NY HUD Metro FMR Area
10579New York, NY HUD Metro FMR Area
10580New York, NY HUD Metro FMR Area
10583New York, NY HUD Metro FMR Area
10589New York, NY HUD Metro FMR Area
10590New York, NY HUD Metro FMR Area
10594New York, NY HUD Metro FMR Area
10597New York, NY HUD Metro FMR Area
10598New York, NY HUD Metro FMR Area
10601New York, NY HUD Metro FMR Area
10604New York, NY HUD Metro FMR Area
10605New York, NY HUD Metro FMR Area
10606New York, NY HUD Metro FMR Area
10607New York, NY HUD Metro FMR Area
10706New York, NY HUD Metro FMR Area
10707New York, NY HUD Metro FMR Area
10708New York, NY HUD Metro FMR Area
10709New York, NY HUD Metro FMR Area
10803New York, NY HUD Metro FMR Area
10804New York, NY HUD Metro FMR Area
10913New York, NY HUD Metro FMR Area
10917Kiryas Joel-Poughkeepsie-Newburgh, NY MSA
10920New York, NY HUD Metro FMR Area
10921Kiryas Joel-Poughkeepsie-Newburgh, NY MSA
10926Kiryas Joel-Poughkeepsie-Newburgh, NY MSA
10930Kiryas Joel-Poughkeepsie-Newburgh, NY MSA
10931New York, NY HUD Metro FMR Area
10954New York, NY HUD Metro FMR Area
10956New York, NY HUD Metro FMR Area
10958Kiryas Joel-Poughkeepsie-Newburgh, NY MSA
10960New York, NY HUD Metro FMR Area
10968New York, NY HUD Metro FMR Area
10973Kiryas Joel-Poughkeepsie-Newburgh, NY MSA
10974New York, NY HUD Metro FMR Area
10975Kiryas Joel-Poughkeepsie-Newburgh, NY MSA
10983New York, NY HUD Metro FMR Area
10989New York, NY HUD Metro FMR Area
10996Kiryas Joel-Poughkeepsie-Newburgh, NY MSA
11001Nassau-Suffolk, NY HUD Metro FMR Area
11003Nassau-Suffolk, NY HUD Metro FMR Area
11004New York, NY HUD Metro FMR Area
11005New York, NY HUD Metro FMR Area
11020Nassau-Suffolk, NY HUD Metro FMR Area
11024Nassau-Suffolk, NY HUD Metro FMR Area
11030Nassau-Suffolk, NY HUD Metro FMR Area
11040Nassau-Suffolk, NY HUD Metro FMR Area
11040New York, NY HUD Metro FMR Area
11050Nassau-Suffolk, NY HUD Metro FMR Area
11101New York, NY HUD Metro FMR Area
11102New York, NY HUD Metro FMR Area
11103New York, NY HUD Metro FMR Area
11104New York, NY HUD Metro FMR Area
11105New York, NY HUD Metro FMR Area
11106New York, NY HUD Metro FMR Area
11109New York, NY HUD Metro FMR Area
11201New York, NY HUD Metro FMR Area
11203New York, NY HUD Metro FMR Area
11204New York, NY HUD Metro FMR Area
11205New York, NY HUD Metro FMR Area
11208New York, NY HUD Metro FMR Area
11209New York, NY HUD Metro FMR Area
11210New York, NY HUD Metro FMR Area
11211New York, NY HUD Metro FMR Area
11213New York, NY HUD Metro FMR Area
11214New York, NY HUD Metro FMR Area
11215New York, NY HUD Metro FMR Area
11216New York, NY HUD Metro FMR Area
11217New York, NY HUD Metro FMR Area
11218New York, NY HUD Metro FMR Area
11219New York, NY HUD Metro FMR Area
11221New York, NY HUD Metro FMR Area
11222New York, NY HUD Metro FMR Area
11223New York, NY HUD Metro FMR Area
11225New York, NY HUD Metro FMR Area
11226New York, NY HUD Metro FMR Area
11228New York, NY HUD Metro FMR Area
11229New York, NY HUD Metro FMR Area
11230New York, NY HUD Metro FMR Area
11231New York, NY HUD Metro FMR Area
11232New York, NY HUD Metro FMR Area
11233New York, NY HUD Metro FMR Area
11234New York, NY HUD Metro FMR Area
11235New York, NY HUD Metro FMR Area
11236New York, NY HUD Metro FMR Area
11237New York, NY HUD Metro FMR Area
11238New York, NY HUD Metro FMR Area
11249New York, NY HUD Metro FMR Area
11354New York, NY HUD Metro FMR Area
11355New York, NY HUD Metro FMR Area
11356New York, NY HUD Metro FMR Area
11357New York, NY HUD Metro FMR Area
11358New York, NY HUD Metro FMR Area
11360New York, NY HUD Metro FMR Area
11361New York, NY HUD Metro FMR Area
11362New York, NY HUD Metro FMR Area
11363New York, NY HUD Metro FMR Area
11364New York, NY HUD Metro FMR Area
11366New York, NY HUD Metro FMR Area
11368New York, NY HUD Metro FMR Area
11369New York, NY HUD Metro FMR Area
11370New York, NY HUD Metro FMR Area
11372New York, NY HUD Metro FMR Area
11373New York, NY HUD Metro FMR Area
11374New York, NY HUD Metro FMR Area
11375New York, NY HUD Metro FMR Area
11377New York, NY HUD Metro FMR Area
11378New York, NY HUD Metro FMR Area
11379New York, NY HUD Metro FMR Area
11385New York, NY HUD Metro FMR Area
11413New York, NY HUD Metro FMR Area
11414New York, NY HUD Metro FMR Area
11415New York, NY HUD Metro FMR Area
11416New York, NY HUD Metro FMR Area
11417New York, NY HUD Metro FMR Area
11418New York, NY HUD Metro FMR Area
11419New York, NY HUD Metro FMR Area
11420New York, NY HUD Metro FMR Area
11421New York, NY HUD Metro FMR Area
11422New York, NY HUD Metro FMR Area
11426New York, NY HUD Metro FMR Area
11432New York, NY HUD Metro FMR Area
11435New York, NY HUD Metro FMR Area
11436New York, NY HUD Metro FMR Area
11439New York, NY HUD Metro FMR Area
11507Nassau-Suffolk, NY HUD Metro FMR Area
11552Nassau-Suffolk, NY HUD Metro FMR Area
11554Nassau-Suffolk, NY HUD Metro FMR Area
11561Nassau-Suffolk, NY HUD Metro FMR Area
11566Nassau-Suffolk, NY HUD Metro FMR Area
11569Nassau-Suffolk, NY HUD Metro FMR Area
11575Nassau-Suffolk, NY HUD Metro FMR Area
11598Nassau-Suffolk, NY HUD Metro FMR Area
11691New York, NY HUD Metro FMR Area
11710Nassau-Suffolk, NY HUD Metro FMR Area
11713Nassau-Suffolk, NY HUD Metro FMR Area
11721Nassau-Suffolk, NY HUD Metro FMR Area
11724Nassau-Suffolk, NY HUD Metro FMR Area
11725Nassau-Suffolk, NY HUD Metro FMR Area
11727Nassau-Suffolk, NY HUD Metro FMR Area
11730Nassau-Suffolk, NY HUD Metro FMR Area
11732Nassau-Suffolk, NY HUD Metro FMR Area
11733Nassau-Suffolk, NY HUD Metro FMR Area
11738Nassau-Suffolk, NY HUD Metro FMR Area
11739Nassau-Suffolk, NY HUD Metro FMR Area
11747Nassau-Suffolk, NY HUD Metro FMR Area
11752Nassau-Suffolk, NY HUD Metro FMR Area
11753Nassau-Suffolk, NY HUD Metro FMR Area
11756Nassau-Suffolk, NY HUD Metro FMR Area
11764Nassau-Suffolk, NY HUD Metro FMR Area
11766Nassau-Suffolk, NY HUD Metro FMR Area
11783Nassau-Suffolk, NY HUD Metro FMR Area
11786Nassau-Suffolk, NY HUD Metro FMR Area
11787Nassau-Suffolk, NY HUD Metro FMR Area
11788Nassau-Suffolk, NY HUD Metro FMR Area
11789Nassau-Suffolk, NY HUD Metro FMR Area
11790Nassau-Suffolk, NY HUD Metro FMR Area
11791Nassau-Suffolk, NY HUD Metro FMR Area
11792Nassau-Suffolk, NY HUD Metro FMR Area
11794Nassau-Suffolk, NY HUD Metro FMR Area
11795Nassau-Suffolk, NY HUD Metro FMR Area
11797Nassau-Suffolk, NY HUD Metro FMR Area
11801Nassau-Suffolk, NY HUD Metro FMR Area
11803Nassau-Suffolk, NY HUD Metro FMR Area
11804Nassau-Suffolk, NY HUD Metro FMR Area
11930Nassau-Suffolk, NY HUD Metro FMR Area
11937Nassau-Suffolk, NY HUD Metro FMR Area
11939Nassau-Suffolk, NY HUD Metro FMR Area
11954Nassau-Suffolk, NY HUD Metro FMR Area
11957Nassau-Suffolk, NY HUD Metro FMR Area
11959Nassau-Suffolk, NY HUD Metro FMR Area
11963Nassau-Suffolk, NY HUD Metro FMR Area
11964Nassau-Suffolk, NY HUD Metro FMR Area
11975Nassau-Suffolk, NY HUD Metro FMR Area
11976Nassau-Suffolk, NY HUD Metro FMR Area
11980Nassau-Suffolk, NY HUD Metro FMR Area
12061Albany-Schenectady-Troy, NY MSA
12151Albany-Schenectady-Troy, NY MSA
12158Albany-Schenectady-Troy, NY MSA
12211Albany-Schenectady-Troy, NY MSA
12471Kingston, NY MSA
12486Kingston, NY MSA
12493Kingston, NY MSA
12498Kingston, NY MSA
12507Kiryas Joel-Poughkeepsie-Newburgh, NY MSA
12528Kingston, NY MSA
12540Kiryas Joel-Poughkeepsie-Newburgh, NY MSA
12547Kingston, NY MSA
12569Kiryas Joel-Poughkeepsie-Newburgh, NY MSA
12577Kiryas Joel-Poughkeepsie-Newburgh, NY MSA
12582Kiryas Joel-Poughkeepsie-Newburgh, NY MSA
12866Albany-Schenectady-Troy, NY MSA
13418Syracuse, NY MSA
13603Watertown-Fort Drum, NY MSA
14026Buffalo-Cheektowaga, NY MSA
14032Buffalo-Cheektowaga, NY MSA
14051Buffalo-Cheektowaga, NY MSA
14085Buffalo-Cheektowaga, NY MSA
14091Buffalo-Cheektowaga, NY MSA
14203Buffalo-Cheektowaga, NY MSA
14425Rochester, NY MSA
14514Rochester, NY MSA
14534Rochester, NY MSA
14571Rochester, NY MSA
14580Rochester, NY MSA
14586Rochester, NY MSA
14614Rochester, NY MSA
14625Rochester, NY MSA

What is a Difficult Development Area?

HUD designates a metro ZIP code (SDDA) or non-metro county as a DDA when its Fair Market Rent or construction costs are high relative to area median income. New LIHTC construction in a DDA qualifies for a 130% qualified basis — the same 30% boost QCTs receive. For New York investors, DDA and QCT overlays together map where affordable-housing capital is flowing hardest.

All states →QCTs in New YorkFair Market Rents in New YorkSection 8 DSCR loans in New York

New York Difficult Development Areas — FAQs

What is a Difficult Development Area in New York?

A Difficult Development Area (DDA) is a HUD-designated metro ZIP code or non-metro county where land, construction, and utility costs are high relative to Area Median Income. HUD republishes the New York list annually.

What is the LIHTC basis boost for a DDA?

A LIHTC project in a designated DDA may qualify for a 30% increase in eligible basis — the same boost available in a Qualified Census Tract — which raises the credit amount the project can claim.

What is the difference between an SDDA and a non-metro DDA?

Small Area DDAs (SDDAs) are designated at the ZIP-code level inside metro areas, so one New York metro can contain both designated and undesignated ZIPs. Non-metro DDAs are designated at the county level.

How do DDAs affect an investor buying a rental?

DDA status signals a high-cost submarket relative to local incomes, which usually means higher purchase prices and construction budgets. It does not change loan eligibility on its own; business-purpose financing is underwritten on the property's economics and lender guidelines.

Local market news & updates

What the latest published data says about New York

Every update below is a published figure from a named federal source, shown with the exact period that source covers. Where a dataset is only produced at county or state level, it is labelled that way rather than presented as city data. These are market statistics for informational purposes only — they are not rates, loan terms, or an offer of credit.

  • State dataData through ACS estimates, ACS 5-Year 2023

    New York housing costs — ACS estimates, ACS 5-Year 2023

    The most recent published Census reading for New York shows a median owner-occupied home value of $403,000, a median gross rent of $1,576 per month, a two-bedroom median rent of $1,574, a three-bedroom median rent of $1,767. These are survey estimates for the period shown, not live listing prices, and they are the starting point investors use to sanity-check a rent assumption before underwriting a DSCR file.

    Source: U.S. Census Bureau, American Community Survey

  • State dataData through ACS estimates, ACS 5-Year 2023

    New York renter demand indicators — ACS estimates, ACS 5-Year 2023

    Census reports a population of 19,872,319, a median household income of $84,578, a rental vacancy estimate of 10.2% for New York. Income and vacancy set the practical ceiling on achievable rent, which is what a DSCR calculation is ultimately built on.

    Source: U.S. Census Bureau, American Community Survey

Source periods represented above: ACS estimates, ACS 5-Year 2023. Each figure updates only when its publisher releases a new period — we never restamp an older reading with a newer date.

Informational market data only. Nothing in this section is a rate, an annual percentage rate, a payment, a loan term, an approval, or an offer or commitment to lend. Citing a federal dataset does not imply the agency endorses, sponsors or is affiliated with Simply Approved Mortgages LLC (NMLS #2620881). Financing referenced on this page is business-purpose investment property financing.

DDA project in New York?

Send the address and we'll pull the FMR, confirm DDA/QCT overlap, and reply with DSCR pricing feedback.

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Simply Approved Mortgages Expert Insight

How We Evaluate This Scenario

A DSCR file is judged on the property, not your tax returns: qualifying rent divided by PITIA — principal, interest, taxes, insurance, plus HOA and flood where they apply. Most programs use the lesser of the in-place lease rent and the appraiser's market rent, so a lease signed below market usually caps the ratio no matter how strong the comps look.

Three inputs move the outcome more than anything else: rent support on the appraiser's rent schedule (Form 1007 or 1025), the LTV tier, and the credit tier. Dropping leverage by five points or moving up a FICO band frequently changes pricing more than shopping a different lender does.

Before you write an offer, price taxes and insurance at post-sale levels rather than the seller's current bill. In reassess-on-transfer states and in coastal insurance markets, that single adjustment is the most common reason a deal that penciled at contract fails the ratio at underwriting.

Reviewed by Simply Approved Mortgages · NMLS #2620881. Business-purpose investor lending only.

Investor pre-approval

Get your personalized investor loan quote

Pick the loan type that fits your deal and complete a short, tailored pre-qualification. A licensed loan officer follows up with an initial scenario review once we have your credit authorization and supporting documents — usually the same business day. Formal pricing and terms follow underwriting.

Pick a loan type

You can change this any time.

Tell us about your scenario

The form below is tailored to DSCR rental loan — only the questions your program needs.

1
Scenario
2
Contact
3
Results

Step 1 of 3 — your deal and numbers. No contact details yet.

Your deal — the basics

Purchase or refinance a rental. The property's rent qualifies the loan.

What's your goal?
Purchase price ($)$450,000
$
Down payment (%)20%
%
Monthly rent ($)$2,800
$
HUD Fair Market Rent for your ZIP — ballpark only. Get a precise market rent after you submit.
Estimated credit rating

Your best estimate — final eligibility is confirmed during underwriting.

Optional — but worth 60 seconds

Fine-tune your numbers and unlock your instant pre-assessment.

Everything below is optional. The more you share, the more accurate your DSCR, LTV and pre-qualification result on the next step — and the faster your loan officer can quote you.

Purchase or refinance a rental. The property's rent qualifies the loan.

Listing URL — optional

If you paste a Zillow, Redfin, Realtor.com, or MLS URL we'll auto-fill price, address, city, state, and ZIP. You can leave this blank and enter the property details manually.

Type the address — or paste a listing URL above and we'll fill it in for you. We use it for a precise property value and rent estimate after you submit.

Loan amount
$360,000
Down payment
$90,000

We're using typical local estimates for now — open this only if you want the pre-check to use your exact numbers.

This scenario has real hurdles — talk to us about options.
Estimated DSCR: 0.89
Estimated LTV: 80%

Estimated DSCR 0.89 is below the DSCR rental loan floor of 1.00.

Credit & pre-approval

Why we pull credit for your investor loan pre-approval

Every DSCR / business-purpose loan file needs a tri-merge credit report so we can verify identity, price your rate tier accurately, and confirm reserves and payment history for the underwriter. Cleaner credit typically unlocks a better rate and higher leverage.

Pay for your credit report — SmartPay

Simply Approved Mortgages uses MeridianLink SmartPay to securely collect the credit report fee for your investor pre-approval. Payment goes directly to the credit vendor — not to us — and unlocks your tri-merge report (Equifax, Experian, TransUnion) so your loan officer can price your file.

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  • Soft-touch process — your loan officer will guide you through it
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Check your credit first — $1 trial at MyITINCredit

Before you apply, it's smart to know exactly where your credit stands. MyITINCredit offers a $1 trial for 15 days that includes all three credit reports and scores (Equifax, Experian, TransUnion), plus ongoing credit monitoring so you can catch errors, dispute inaccuracies, and watch for identity theft.

  • See all 3 bureau reports & scores before your lender does
  • Ongoing monitoring alerts you to new accounts or score changes
  • Fix errors early — cleaner credit can widen your investor loan options
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Credit report fees are paid directly to the credit vendor. Simply Approved Mortgages does not profit from the credit pull. MyITINCredit is an independent third-party service; pricing, terms, and features are set by that provider.

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Rates, market shifts, and program changes — in your inbox.

Periodic investor updates: rate movement, guideline and program changes, and market data refreshes. No spam, unsubscribe anytime.

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  • Market data notes
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