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Utility Assistance Programs in New York (How to Lower Your Bills in 2026

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utility assistance programs in New York for electricity and heating bills

Utility Assistance Programs in New York (How to Lower Your Bills in 2026)

Utility assistance programs in New York can help reduce or eliminate your electricity and heating costs — but most residents never apply because they don’t know the programs exist. This guide covers the main options available in 2026, who qualifies, and how to apply.

Main Utility Assistance Programs in New York

HEAP — Home Energy Assistance Program

HEAP is the largest utility assistance program in New York. It provides one-time or ongoing help with heating and cooling costs for low-income households. There are two main components:

  • Regular HEAP: Helps pay heating bills from November through March
  • Emergency HEAP: Available when a household faces a utility shutoff or has run out of fuel

To apply, contact your local Department of Social Services or visit otda.ny.gov.

Con Edison Bill Assistance (NYC and Westchester)

Con Edison offers several programs for customers who need help with utility assistance in New York:

  • Low Income Home Energy Assistance: Discounts on monthly bills for qualifying customers
  • Budget Billing: Spreads your annual usage into equal monthly payments to avoid seasonal spikes
  • Payment Arrangements: Catch up on past-due balances without disconnection

Call Con Edison at 1-800-752-6633 or visit coned.com to find out which programs you qualify for.

NY State ERAP and Rental/Utility Relief

New York’s Emergency Rental Assistance Program (ERAP) has helped thousands of households cover both rent and utility costs. While the main program has closed, local municipalities and nonprofits continue to offer similar assistance. Check with your local 311 or county social services office for current availability.

NYSERDA Energy Efficiency Programs

The New York State Energy Research and Development Authority (NYSERDA) offers rebates and programs that reduce long-term energy costs. Programs include:

  • Free energy efficiency upgrades for qualifying low-income households
  • Weatherization assistance (insulation, sealing, window improvements)
  • Appliance replacement programs

Visit nyserda.ny.gov to see what’s available in your area.

Utility Assistance Programs in New York by Region

New York City

NYC residents can access HEAP, Con Edison assistance, and additional programs through the NYC Human Resources Administration (HRA). Call 311 or visit nyc.gov/hra for local options.

Westchester County

Westchester residents can contact the Department of Social Services at (914) 995-5000 for HEAP applications and referrals to local utility assistance programs in New York.

Hudson Valley and Upstate

Central Hudson and Orange & Rockland customers have their own assistance programs. Contact your utility provider directly and ask about budget billing, hardship programs, and HEAP enrollment.

How to Apply for Utility Assistance in New York

  1. Call your utility provider and ask what assistance programs you qualify for
  2. Apply for HEAP through your local Department of Social Services
  3. Check NYSERDA for weatherization and efficiency rebates
  4. Ask about budget billing to stabilize monthly payments
  5. Contact 311 (NYC) or your county social services office for local options

Most utility assistance programs in New York do not automatically enroll you — you have to ask. A single phone call to your utility company often reveals options you didn’t know existed.

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❓ Frequently Asked Questions

Who qualifies for utility assistance programs in New York?

Most programs are income-based. HEAP eligibility is generally set at 60% of the state median income, though exact limits vary by household size and program. Even if you don’t qualify for HEAP, your utility company may offer budget billing or payment plans regardless of income.

Do I have to repay utility assistance?

HEAP benefits are grants — you do not repay them. Payment arrangements and budget billing plans are not assistance; they restructure what you already owe. Some emergency programs may have repayment requirements — confirm with the program before applying.

How do I apply for HEAP in New York?

Apply through your local Department of Social Services office, online at mybenefits.ny.gov, or by calling the HEAP hotline. Applications typically open in November for the regular heating season benefit.

What if my utility is about to be shut off?

Call your utility provider immediately and ask for emergency assistance or a payment arrangement. Emergency HEAP may also be available if you meet income guidelines. Utility companies in New York are required to offer payment plans before disconnecting service.

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