Aging in Place Funding in New York
New York residents can access both federal and state programs to help pay for aging-in-place home modifications. Below is every program we've verified, with eligibility details and direct application links.
Federal Programs Available in New York
These programs are available nationwide but may have state-specific administrators or requirements in New York.
VA SAH Grant
Grant — Federal
Up to $126,669
Veterans with service-connected disabilities including loss of limbs, blindness, or severe burns
VA SHA Grant
Grant — Federal
Up to $25,000
Veterans with service-connected disabilities including blindness, loss of hands, or severe respiratory injury
VA HISA Grant
Grant — Federal
Up to $6,800
Veterans with any service-connected disability needing home modifications
USDA Section 504
Grant — Federal
Up to $10,000 (grant) or $40,000 (loan)
Rural homeowners 62+ with income below 50% of area median (grants) or below 80% (loans)
HUD OAHMP
Grant — Federal
Up to $5,000 per household
Low-income older adults (60+) in participating communities
Medicaid HCBS Waivers
Waiver — Federal
Varies by state
Medicaid-eligible individuals who would otherwise need institutional care; 47 states cover some home modifications
AAA Programs
Grant — Federal
Varies by locality
Adults 60+ in the service area of their local AAA; typically prioritizes low-income, minority, and rural populations
New York-Specific Programs
These programs are unique to New York and may have limited funding or geographic restrictions.
NY RESTORE
Grant — NY State
Up to $20,000
New York homeowners 60+ in all counties. Addresses emergency repairs and code violations. Income must not exceed 100% of Area Median Income.
NY LTHHCP Waiver
Waiver — NY State
Up to $15,000 per 12-month period
Medicaid-eligible seniors and individuals with disabilities needing nursing home level care. Covers internal and external home adaptations for health, welfare, and safety.
NY Access to Home Veterans
Grant — NY State
Varies by funding year
Low/moderate-income New York veterans with disabilities. Covers wheelchair ramps, lifts, handrails, door widening, roll-in showers, and emergency repairs.
Contractor Licensing in New York
New York requires Home Improvement Contractor registration with the NY Department of State under General Business Law Article 36-A. NYC has additional requirements through the Department of Buildings. Elevator and lift contractors require a separate state license ($600 application, 2-year term). Minimum general liability insurance of $1 million per occurrence / $2 million aggregate is required, plus a minimum $20,000 surety bond. Workers' compensation and disability benefits insurance are mandatory for all employees with severe non-compliance penalties. Verify contractor registration with the NY Department of State.
Find Services by City in New York
New York City, NY
16% of residents over 65
Buffalo, NY
15.2% of residents over 65
Rochester, NY
13.4% of residents over 65
Syracuse, NY
13.8% of residents over 65
Yonkers, NY
14.1% of residents over 65
Albany, NY
13.6% of residents over 65
Binghamton, NY
15.9% of residents over 65
Utica, NY
16.2% of residents over 65
Glens Falls, NY
17.8% of residents over 65
Ithaca, NY
11.5% of residents over 65