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State Financial Resources

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Financial assistance programs in New York.

Find how to get financial assistance and government grants in all cities and counties in New York listed below throughout New York, including Buffalo, New York City, and Rochester. Locate rent or mortgage help, money for paying utility bills, free food and more. Or find low-income housing or free vouchers for transportation, such as bus passes or gasoline cards.

Financial help in NY is combined with free stuff and long term social services. In addition to the government assistance as well as charity programs below, there are agencies that give out free groceries, hotel or motel vouchers or that provide grant money to help with housing costs or car loan payments. Find details on emergency financial aid and other resources below.

Get financial help with bills or housing costs in NY, free items, food and clothes

Elderly Pharmaceutical Insurance Coverage (EPIC) Program
EPIC is a free New York State assistance program that will help seniors pay for their prescription drugs. There are hundreds of thousands of people enrolled in EPIC. Subscribers are saving an average of 90 percent of the cost of their medicines. Most enrollees in this program have Medicare Part D or other drug coverage, and they then use EPIC to lower their drug and prescription medicine costs even more.

The government assistance program works by helping them pay the co-payments and deductibles that are maybe required by their other health insurance plan. EPIC will also help members pay for Medicare Part D premiums. Call 1-800-332-3742. Or locate other medication programs for the elderly.

Child Health Plus
New York State has a free government health insurance plan that is for kids as well as teenagers which can help reduce medical bills as well as related expenses. The program is called Child Health Plus. Depending on your family's total income, your kid may be eligible to join either Child Health Plus or Medicaid. Both of these programs are offered through dozens of providers throughout the state.

Some of the benefits include Well-child care; Immunization; free Dental and vision care for kids; X-ray and lab tests; Physical exams including diagnosis and treatment of illness and injury; Prescription and nonprescription drugs if ordered and more. Dial 1-800-698-4543.




Prescription Saver Card Program
This is a statewide prescription drug discount card program for New York residents whose incomes are too high to qualify for Medicaid. There are also savings for people with disabilities, and individuals who are too young to qualify for Medicare savings. There are also store prescription drug saving programs to combine with the card. Families can save between 25-50% on brand name and generic prescription drug prices or insulin. Phone 1-800-788-6917.

Emergency Financial Assistance from NY Salvation Army
One of the leading non-profit agencies to contact for help is the Salvation Army. They have locations around the state. The organization may have funds for rent, utility bills, food and or free holiday assistance, limited gasoline vouchers, and more. Click here Salvation Army assistance programs in New York.

Mortgage and Free Government Foreclosure Help
New York also offers programs that can help you pay your mortgage and avoid foreclosure. Towns, cities and counties may offer counseling as well as mediation services or government loans. There are non-profit organizations that support New York homeowners. Read more mortgage assistance in New York.

In addition to these programs, also find how a HUD approved mortgage counselor. They can help you get back on track with your mortgage, give free foreclosure prevention advice as well as other services. Click here New York free HUD counseling agencies.

Help From Medical Debt Collectors
New York has instituted laws and government backed regulations that will prevent illegal and aggressive collection efforts. There is a focus on medical debt collectors and agencies. Also, the laws ensure patients get access to free health care. Read more on medical debt collection laws.

Family Health Plus
A public health insurance program for uninsured adults who are between the ages of 19 and 64 and who have limited income or resources. The program can offer help with paying medical bills. Contact your local county government social service agency to apply. Or find other places for affordable health insurance plans.

Social Services and Government Cash Assistance
Financial assistance, grants and cash can be provided to low income, unemployed, and the working poor. Several social services and crisis programs can help individuals pay bills and provide for their families. Learn about SNAP food stamps, Medicaid, and other benefits. Read more on New York public assistance.





NY Medicaid
This is a low cost health insurance plan for qualified, lower income working families and individuals. Participants need to pay a low cost monthly premium and co-pays to be enrolled in the health insurance program. Phone (800) 541-2831

Energy Company Programs
In addition to the resources offered in your county, click here for other New York heating and utility assistance programs. Many energy companies have their own cash grant, disconnection prevention and weatherization services for low income customers. More on energy bill help from New York utility companies.

Food Stamps
The SNAP Food Stamp Program will issue monthly government benefits as well as EBT cards that can be used to purchase food at numerous authorized retail as well as grocery stores. Food stamp benefits will help senior citizens, lower income working people, the disabled, immigrants and many others feed their families. Call 1-800-342-3009. Or learn more on emergency food stamps near you.

New York State RESTORE Program
The RESTORE Housing Assistance Program (HAPEC) provides emergency home repair assistance to lower income elderly homeowners. The HAPEC program will act rapidly to correct housing conditions which may pose a threat to health, life, or the safety to homeowners over the age of 60.

This home repair assistance program provides grants of up to $5,000 per homeowner and is allocated for cases of emergency. Grants or forgivable loans are distributed on a first come first serve basis until all of the programs funds have been paid out. Call 844-776-9423. Additional ways to receive free home repairs.

Homeless Housing or Rent Programs
OTDA also manages an array of government assistance programs that help to address homelessness in New York Stat and help stop it. The help offered ranges from programs to both prevent homelessness to the actual construction of housing for homeless persons.

A program will help you locate affordable rental housing anywhere in New York State. You can drill down to a map with a list of the street address(es). This agency also provide additional information on stores, area services, hospitals, and nearby education and child care facilities. Apply at local DSS office, or find rental assistance in New York State.

Employment Programs, Government Grants, Self-sufficiency, and Referrals
Dozens of resources may be offered by your local New York community action agency. Services include free career counseling, assistance in gaining new skills, low income financial assistance, and more. If you are faced with a crisis, the centers may be able to refer or provide direct help for housing, food, and other emergency needs. Learn more New York community action agencies.

Career and Workforce Centers
Dozens of offices are located across New York. They focus on helping the unemployed find a new job. staff are involved in providing experience and additional training to those who currently hold a position. All these government funded services are provided at no cost to residents. Click here New York job training programs.

Disability Assistance Programs, Applications, and Benefits
New York residents filing for a disability or that may be currently disabled have a number of government  benefits and charitable resources for their needs. The Office of Temporary and Disability can help with information on the New York application process, cash assistance, food, respite care and other financial aid. More information on disability help in New York.





Free Legal Help is the one-stop legal information portal for low-income New Yorkers. They offer numerous free services, representation from lawyers and legal advice. Learn more on free legal advice in New York.

In addition, several non-profit law firms offer advice, representation, and other forms of legal assistance to New York state residents. There are pro-bono locations. Continue with NY law firms.

Refugee and Immigrant Assistance (BRIA)
BRIA is the single state agency that is fully responsible for the implementation of services to refugees and for the administration of programs targeted at immigrants. Both documented and undocumented immigrants can get help. There are even immigrant credit building programs. Call  518-402-3096.

Help with Telephone Bills
New York families living in poverty or that are on public assistance can get help from Lifeline or Link-Up. The government assistance programs provide discounts as well as credits on both wireless or landline phones and can also pay the deposit costs. Continue with New York telephone programs.

Programs for Elderly and Seniors
A number of locations focus their assistance on individuals who are 55 years of age or older. The office of aging centers provide resources that range from emergency financial assistance to prescription medications, health insurance, transportation, and food.  Learn more on the services administered and New York Agency on Aging.

Free Credit Counseling for Bills, Mortgages, and Debts in New York
Individuals may qualify for free advice with debt and credit counseling. A number of government certified and approved non-profit housing as well as credit counseling agencies help consumers. There is assistance for dealing with unpaid debts, bills, car loans, and can provide advice on paying mortgages. Read more free credit counseling in New York.

Section 8 Vouchers for Paying Rent
The main resource available is the Section 8 HUD housing choice vouchers, which are used to subsidize a low income family's total rental costs. Other federal government assistance is for senior citizens or households with a disabled member. Click more New York section 8.

Temporary Assistance (TA)
TA is temporary help for needy women, men, and children. If you are unable to work, if you can't find a job in the economy, or if your job does not pay enough to meet your bills, TA may be able to help you pay for your bills, expenses, and debt. Dial 1-800-342-3009. Or learn more on the Emergency Assistance to Adults financial assistance program.

Assistance for Homeless and Eviction Prevention
The New York Bureau of Housing and Support Services, local non-profits, and county social service offices may have government grants to pay a portion of rent to stop an eviction. The homeless can access transitional housing, case management, loans, and programs for paying security deposits. Read more on New York eviction help.

Vouchers and Free Government Child Care Subsidies
Parents that are working or seeking employment, attending job training, or in school may qualify for financial assistance for paying their child care expenses. State of New York and federal government funds are used to pay a portion of your costs. Click more free daycare in New York.

New York Free Food Banks and Distribution Centers
Get information on a network of food banks, free pantries and distribution centers across the state. These organizations coordinate the distribution of free food, hot meals and groceries to people who need help. More on New York free food banks.







Community Clinics for Free Health Care
Several locations and facilities are located across New York that may be able to offer qualified individuals with either free or low cost health care. Charities and government supported centers offer free care. More on free New York community clinics.

Families that do not have health insurance can receive medical care from government sponsored and non-profit programs. Assistance is available for a number of needs, including check ups, family health care, immunizations, and medical bill assistance for children. Click New York uninsured health care programs.

Clinics for Dental Assistance are offered too. If you need a facility that focuses on your dental needs, click here for information on where to get free or low cost help.

HEAP Emergency Utility Benefit
This program, the Low-Income (HEAP), is a federally funded assistance program that will help eligible households in paying for heating bills and in meeting their home energy needs. Many community action agencies and social services run it. More on applying for HEAP in New York.

The emergency benefit of the NY State HEAP government assistance program is available to New Yorkers who are facing a heating related energy emergency and if they do not have any resources to pay their bill or meet their need. You may be eligible for an HEAP Emergency Benefit if the following are met.

  • Your electricity is needed for your heating system to work and if your electricity is either shut-off or scheduled to be shut off,
  • Your natural gas heat is scheduled to be shut-off or is off,
  • If you are out of fuel or are in danger of running out of fuel, such as heating oil, propane, wood, or coal
  • If your heating equipment is not working or is inoperable

Assistance from New York Cities and Counties

Albany County (Albany)

Allegany County (Belmont)

Broome County (Binghamton)

Cattaraugus County (Little Valley)

Cayuga County (Auburn)

Chautauqua County (Mayville)

Chenango County (Norwich)

Chemung County (Elmira)

Clinton County (Plattsburgh)

Columbia County (Hudson)

Cortland County

Delaware County (Delhi)

Dutchess County (Poughkeepsie)

Erie County (Buffalo)

Essex County (Elizabethtown)

Franklin County (Malone)

Fulton County (Johnstown)

Genesee County (Batavia)

Herkimer County

Jefferson County (Watertown)

Kings County (Brooklyn)

Livingston County (Geneseo)

Madison County (Wampsville)

Monroe County (Rochester)

Nassau County (Mineola)

Niagara County (Lockport)

New York City (all boroughs)

Oneida County (Utica)

Onondaga County (Syracuse)

Ontario County (Canandaigua)

Orange County (Goshen)

Orleans County (Albion)

Oswego County

Otsego County (Cooperstown)

Putnam County (Carmel)

Rensselaer County (Troy)





Rockland County (New City)

Saratoga County (Ballston Spa)

Schenectady County

Seneca County (Waterloo)

St. Lawrence County (Canton)

Steuben County (Bath)

Suffolk County (Riverhead)

Sullivan County (Monticello)

Tioga County (Owego)

Tompkins County (Ithaca)

Ulster County (Kingston)

Warren County (Queensbury)

Washington County (Fort Edward)

Wayne County (Lyons)

Westchester County (White Plains)

Wyoming County (Warsaw)

Yates County (Penn Yan)


By Jon McNamara

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