FIND HELP NEAR YOU · NEW YORK
GUIDE 2 · EMERGENCY SHELTER TONIGHT
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FIND HELP NEAR YOU · NEW YORK

Emergency Shelter Tonight

Guide 2 of 14

Real help, checked by hand. No sign up.

The short answer

If you need a safe place to sleep tonight in New York City, go to the intake center for your household: families with children apply at PATH, 151 East 151st Street in the Bronx, open 24 hours. Anywhere else in New York, contact your county Department of Social Services or dial 211, and call 911 if you are in danger. This guide also covers safety questions to ask a shelter, Code Blue on freezing nights, and help for your children to stay in their school.

As of October 22, 2026. Made by the Bunklow team.

BunklowAffordable living. Simplified

Please note. This guide shares general information only. It is not legal, financial, tax or professional advice. Laws vary by state and city. For advice about your situation, talk with a licensed professional.

Hi friend. If you need a safe place to sleep tonight, I am really glad you picked this up. You are not alone, and there are people across New York whose whole job is helping you find a bed.

Here is the easy first step: in New York City, call 311 or go to the intake center that fits your household. Anywhere else in New York, contact your county Department of Social Services, or dial 211 any time. We will walk through the rest together, one page at a time, and there is no wrong question.

211
Dial 211A real person, any time, day or night.
911
In danger?Call 911 right away.
DV
Hurt at home?800.942.6906, or text 844.997.2121.
VA
Veterans877.424.3838, any time.
Bunkly tip: Bunkly says hi and explains how this guide works (0:25). Tap play for sound. Captions included.

A few things to know

How does finding a bed work in New York?

How does finding a bed work in New York?

In New York, emergency shelter usually starts at a government front door, not by walking from shelter to shelter. In New York City, the Department of Homeless Services (DHS) runs intake centers, and you go to the one that matches who is with you.

In the rest of the state, your county Department of Social Services (DSS) is the front door. After hours, most counties have an emergency number, and you will find many of them in the county list in this guide.

New York City is different from most places in one big way. The city has a long history of offering shelter to people who need it, including single adults, children and families. Source (As of October 22, 2026): https://www.coalitionforthehomeless.org/our-programs/advocacy/legal-victories/the-callahan-legacy-callahan-v-carey-and-the-legal-right-to-shelter/

That doesn't mean it will feel easy, and there is still an application. But please know it's OK to ask, and you deserve to be treated with respect while you do.

Please don't give up on yourself. One phone call or one trip to the right door is a real step, and it counts.

From the Bunklow team

How to look for a bed tonight, step by step

  1. If you can, get to a safe, public place where you can use a phone.
  2. In New York City, find your intake center in the next section, or call 311. Anywhere else in New York, call your county DSS. After hours, use the county's emergency number, or dial 211.
  3. Say where you are, who is with you, and that you need a place to sleep tonight.
  4. Answer the questions as best you can. It's okay to say you don't know.
  5. Write down who you talked to, what they said, and when to call back.
  6. If no bed is open tonight, ask what to do next and when to call back.
  7. If you are in danger at any point, call 911.
SAY IT LIKE THIS

What to say when you call

"Hi. I need a place to sleep tonight. I'm near [your town or cross streets]."

"It's just me." Or: "I have [number] kids with me, ages [ages]." Or: "My partner is with me."

"I have a dog with me." Or: "I use a wheelchair." Say whatever matters for you.

"Is there a family room, or a place for women and children?"

"If there isn't a bed, what should I do tonight, and when should I call back?"

Bunkly, the Bunklow mascot
BUNKLY TIP

Keep your numbers with you

Charge your phone any chance you get. Then take a screenshot of the numbers in this guide, so you have them even with no data. Easy peasy!

Where do I go in New York City?

New York City runs one shelter system for all five boroughs.
New York City runs one shelter system for all five boroughs.

New York City has one shelter system for the Bronx, Brooklyn, Manhattan, Queens and Staten Island. Before anyone can enter shelter, they apply at the intake center for their household type.

Here is where each household goes, from the city's own pages. The centers below are open 24 hours a day, including weekends and holidays.

Sources (As of October 16, 2026): https://access.nyc.gov/programs/homeless-intake-shelters-and-drop-in-centers-dics/ and https://www.nyc.gov/site/dhs/shelter/families/families-with-children-applying.page and https://www.nyc.gov/site/dhs/shelter/singleadults/single-adults-applying.page and https://www.nyc.gov/site/dhs/shelter/families/adult-families-applying.page

EXAMPLE

Say you are a mom with three little girls in Queens

Say it's afternoon, and you and your three daughters can't go back where you were staying. You would go to PATH in the Bronx. DHS says your children ages 0 to 17 don't have to come with you while you apply, but PATH staff must be able to see them remotely, and you must bring them to the shelter by curfew the day after you get a placement.

DHS asks families to bring ID for every person in the household, like a photo ID and each child's birth certificate. Family workers on site can help you get papers you don't have. Interpreters are available if you don't speak English.

This is an example to show how a visit can go. It is not about a real person, and every situation is different. Source (As of October 22, 2026): https://www.nyc.gov/site/dhs/shelter/families/families-with-children-applying.page

What kinds of shelter are there?

Many shelters and day centers also share meals.
Many shelters and day centers also share meals.

Not every shelter is the same, and that's a good thing. Here is a quick rundown of the words you may hear, so nothing catches you off guard.

What's open near you depends on your county, so ask 211 or your DSS which ones exist where you are.

How do I keep my kids safe in a shelter?

You deserve to feel safe and respected.
You deserve to feel safe and respected.

If you have children with you, keeping them safe is probably the first thing on your mind. That's exactly right.

You are allowed to ask questions before you say yes to a bed, and a good shelter will be glad you asked.

In New York, publicly funded shelters for families and adults are certified and inspected by the state Office of Temporary and Disability Assistance. The state has issued safety and security rules for shelters, including security plans. Sources (As of October 16, 2026): https://otda.ny.gov/programs/shelter/ and https://otda.ny.gov/programs/shelter/directives.asp

Safety questions to ask a shelter

Simple safety habits for kids in shelters and public places

Bunkly, the Bunklow mascot
BUNKLY TIP

Trust your gut

If a place or a person feels wrong, you can ask staff for a different room, or ask your caseworker about a transfer. Your family's safety always comes first.

What is a shelter usually like?

Walking in for the first time can feel scary. That's normal, and you're braver than you think.

Here is what many shelters have in common. Every place sets its own rules, so ask when you call.

EXAMPLE

Say you have a service dog

Say you call a shelter and mention your dog. Under the ADA, a service animal is a dog trained to do work or tasks for a person with a disability.

When it isn't obvious, staff may ask only two questions: is the dog a service animal required because of a disability, and what work or task has the dog been trained to perform.

This is an example to show how a call can go. It is not about a real person, and every situation is different. Source (As of October 22, 2026): https://www.ada.gov/resources/service-animals-2010-requirements/

What if it is freezing, or the shelters are full?

Public libraries can be a warm, calm place to charge up and make calls.
Public libraries can be a warm, calm place to charge up and make calls.

New York winters can be dangerous. As of October 16, 2026, New York rules say "inclement winter weather" means air temperatures at or below 32 degrees, counting wind chill.

When that happens, each county must take steps to find people outside, extend shelter hours so people can stay indoors, and keep those places safe, clean and supervised. People often call this Code Blue. Source (As of October 22, 2026): https://www.law.cornell.edu/regulations/new-york/18-NYCRR-304.1

In New York City, if you see someone outside who needs help, the city asks you to call 311 and request outreach. Outreach teams work in all five boroughs. Call 911 if someone is in immediate danger. Source (As of October 22, 2026): https://www.nyc.gov/site/dhs/outreach/street-outreach.page

What to do if there is no bed tonight

  1. Ask the person you talk to: "What do people do tonight when there's no bed?" They often know options that aren't written down anywhere.
  2. If it is freezing, ask: "Is Code Blue in effect tonight, and where should I go?"
  3. Ask if there is a waitlist, and get on it. Ask what time to call back tomorrow.
  4. Ask about drop in centers, day programs, meals and showers for tomorrow.
  5. If you are a Veteran, a young person, a family, or escaping abuse, say so. There may be separate help just for you.
  6. Call back when they told you to. Steady calls really do make a difference.
Bunkly tip: Bunkly on what to do when the shelters are full (0:22). Tap play for sound. Captions included.

How can I stay safe tonight?

Your safety comes first, always. These are simple, common sense ideas, not rules.

Use what fits.

SAY IT LIKE THIS

If you need help from someone nearby

"Excuse me, I'm not safe right now. Can you call 911 for me?"

"I'm trying to find a shelter tonight. Can I use your phone to call 311?"

What if someone at home is hurting me?

If someone close to you is hurting you or scaring you, it is not your fault, and you don't have to figure this out alone. Advocates can help you make a safety plan and find a safe place to stay, for you and your kids.

Source (As of October 22, 2026): https://health.ny.gov/prevention/sexual_violence/domestic_violence.htm

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A quick safety note

If someone checks your phone or computer, use a device they can't see, like a friend's phone or a library computer. Many domestic violence websites have a quick exit button that takes you to a different page fast. Clear your history afterward if it's safe to do so.

How do I keep my things and papers safe?

Losing your ID or papers is the last thing you need right now. A little planning protects you, and it makes the next steps so much easier.

Protect your papers

A quick photo of every important paper takes two minutes and can save you weeks later. It protects you and the folks trying to help you!

From the Bunklow team

Can my kids stay in their school?

Ask your child's school about no cost meals.
Ask your child's school about no cost meals.

Yes, very often they can. New York has help for students in temporary housing, from preschool through 12th grade.

That includes kids staying in a shelter, a motel, or doubled up with others because they lost their home. Questions about the details? Check the official page below, and decide what's right for you.

Sources: https://www.nysed.gov/memo/essa/mckinney-vento-homeless-education-act and https://www.nysteachs.org/enrollment-and-school-selection

Questions? NYS TEACHS, the state's helpline for homeless students, is 800.388.2014. Every school district also has a homeless liaison you can ask for by name.

How do I get to a shelter?

How do I get to a shelter?

Getting to a bed can be its own puzzle. Here are some ideas.

Source (As of October 22, 2026): https://portal.311.nyc.gov/article/?kanumber=KA-02501

What if I have medical needs?

Keep a few basics together.
Keep a few basics together.

Please don't let a health need keep you from asking for a bed. Tell the shelter about it when you call, so they can tell you honestly if it's the right fit.

Source for HELP Women's Center: https://www.nyc.gov/assets/dhs/downloads/pdf/press-releases/HELP-USA-Open-First-Shelter-Intake-Center-for-Women-Experiencing-Homelessness.pdf

What happens after tonight?

What happens after tonight?

Tonight is about a safe place to sleep. Tomorrow is about getting you back into a home of your own.

Here is how that usually starts.

Sources: https://www.nyc.gov/site/dhs/shelter/families/adult-families-applying.page and https://www.hudexchange.info/homelessness-assistance/coc-esg-virtual-binders/coc-program-components/permanent-housing/rapid-re-housing/

Bunkly tip: Bunkly on your next step after tonight (0:23). Tap play for sound. Captions included.

Questions people ask a lot

Do I need an ID to get into a shelter?

Not always. In New York City, ID is very helpful for single adults but not required. Families are asked for ID for everyone, and staff can help you get missing papers.

Does it cost money?

Emergency shelter through DHS or your county DSS is at no cost. If a place asks for money, it's fair to ask why and what other options exist.

Do my kids have to come with me to PATH?

DHS says children 0 to 17 don't have to be there while you apply, but staff must be able to see them remotely, and you bring them by curfew the day after placement.

Can my kids keep going to their school?

Usually yes. Ask your school district's homeless liaison or NYS TEACHS at 800.388.2014 about staying in their school of origin, with transportation.

What if I work nights?

Tell them. Some places can work around a job schedule.

I got turned away. Now what?

Ask why, and ask who else to call. Then call 211 or 311 again. You are not done, my friend.

Bunkly, the Bunklow mascot
BUNKLY TIP

Write it down

Keep a short list of each place you call, the time, and what they said. It makes call backs faster and way less stressful.

Who can I call in my county?

Every county does it a little differently, so here are some places to start near you. If your county isn't listed, dial 211.

It covers the whole state.

Not sure which one to call? Start with the first one listed for your county. If it's not the right fit, they can usually point you to who is.

From the Bunklow team

Federal help (works in every state)

Here are some places to start.

HUD: help for people experiencing homelessness

What it offers HUD pays local groups to run homeless services. HUD does not give direct help itself. Its page says to dial 211 and press 6 for homeless services.

How to reach Dial 211, then press 6. No answer? Find your local 211 office: https://www.211.org/about-us/your-local-211

Source https://www.hud.gov/helping-americans

Last checked October 16, 2026

HUD Find Shelter tool

What it offers Type in where you are and search for shelter, food pantries, health clinics and clothing near you.

How to reach https://www.hud.gov/findshelter

Source https://www.hud.gov/findshelter

Last checked October 16, 2026

VA National Call Center for Homeless Veterans

What it offers No cost and private, for Veterans who are homeless or about to be. Open 24 hours a day, 7 days a week.

How to reach Call 877.424.3838.

Source https://department.va.gov/homeless/

Last checked October 16, 2026

Other local groups may also help.

New York State

Here are some places to start.

Emergency Assistance from your county social services office

What it offers In New York, your local Department of Social Services (DSS) is the front door for emergency help. The state says Emergency Assistance can help with homelessness, little or no food, an eviction notice, no heat in cold weather, or a utility shutoff. You do not need to qualify for ongoing cash help to get emergency help. In an emergency, you can be interviewed and get a written decision the same day you apply.

How to reach Go to or call your county DSS as soon as you can. In New York City, that is HRA and DHS (see the New York City cards). Questions: OTDA Hotline, 800.342.3009.

Source https://otda.ny.gov/programs/temporary-assistance/

Last checked October 16, 2026

211 New York

What it offers No cost and private, open 24 hours a day, 7 days a week, in many languages. 211 New York covers the whole state through 12 regional 211 centers. Help by phone, text, and online search.

How to reach Dial 211. Text your ZIP code to 898211. https://www.211newyork.org/

Source https://www.211newyork.org/

Last checked October 16, 2026

Other local groups may also help.

New York City (all five boroughs)

Here are some places to start.

New York City: shelter intake (all five boroughs)

What it offers New York City runs one shelter system for Brooklyn, Queens, Manhattan, the Bronx and Staten Island. Go to the intake center for your household type. The city says intake centers are open 24 hours a day, 7 days a week, including holidays.

How to reach Single men 18 and over: 8 East 3rd Street, New York, NY 10003. Single women 18 and over: Franklin Shelter, 1122 Franklin Avenue, Bronx, NY 10456, phone 929.281.2330. Or Help Women's Center, 114 Snediker Avenue, Brooklyn, NY 11207. Adult families: 333 Bowery, New York, NY 10003. Families with children, or if you are pregnant: PATH, 151 East 151st Street, Bronx, NY 10451, phone 718.503.6400. Shelter information or directions: call 311. Single adults: ID and a Social Security card help but are not required. Bring your latest pay stub if you work.

Source https://access.nyc.gov/programs/homeless-intake-shelters-and-drop-in-centers-dics/

Last checked October 16, 2026

New York City: PATH for families with children

What it offers The PATH building is open 24 hours a day, including weekends and holidays. Applications are processed 9 am to 5 pm. A family may get a placement for up to 10 days while the city checks the application.

How to reach 151 East 151st Street, Bronx, NY. Call 718.503.6400. Bring photo ID for every household member, birth certificates, Social Security cards, Medicaid cards, and your latest pay stub if you work.

Source https://www.nyc.gov/site/dhs/shelter/families/families-with-children-applying.page

Last checked October 16, 2026

New York City: street outreach and drop in centers

What it offers Outreach teams work 24 hours a day, every day, in all five boroughs. Drop in centers are open to anyone. They offer food, a place to wash up, and case management, and can refer people to shelter or a Safe Haven bed.

How to reach Call 311 or use the 311 app and ask for an outreach team. If someone is in danger right now, call 911.

Source https://www.nyc.gov/site/dhs/outreach/street-outreach.page

Last checked October 16, 2026

Other local groups may also help.

Nassau County

Here are some places to start.

Nassau County Department of Social Services

What it offers Nassau County DSS helps eligible people and families with emergency, temporary shelter. Eligibility is decided by the Temporary Assistance New Applications Unit. Once approved, people are sent the same day to the Office of Housing and Community Development for a placement.

How to reach 60 Charles Lindbergh Boulevard, Uniondale, NY 11553. General information: 516.227.8519, Monday to Friday, 8 am to 3 pm. After hours: 516.573.8626.

Source https://www.nassaucountyny.gov/1921/Housing-Homeless-Prevention

Last checked October 16, 2026

Other local groups may also help.

Suffolk County

Here are some places to start.

Suffolk County Department of Social Services

What it offers Suffolk County Department of Social Services says to call Central Housing during business hours to talk about housing options. For urgent housing needs outside business hours, call DSS Emergency Services.

How to reach Business hours: Central Housing, 631.854.9547. After hours: DSS Emergency Services, 631.854.9100.

Source https://www.suffolkcountyny.gov/News/ArtMID/583/ArticleID/14400/County-Executive-Romaine-Suffolk-DSS-Advise-Residents-of-Temporary-Housing-Assistance-Ahead-of-Winter-Storm

Last checked October 16, 2026

Long Island Coalition for the Homeless (Suffolk and Nassau)

What it offers Runs a street outreach team, a helpline to navigate resources, and Coordinated Entry referrals to homeless housing programs on Long Island.

How to reach Call 631.464.4314. Street Outreach Team: 631.464.4314, extension 118. 600 Albany Avenue, Suite 2, Amityville, NY 11701.

Source https://www.addressthehomeless.org/

Last checked October 16, 2026

Other local groups may also help.

Westchester County

Here are some places to start.

Westchester County: families after hours

What it offers Shelter eligibility is decided at the DSS district office for your last Westchester address. Families who need shelter after hours or on weekends should call DSS Emergency Services.

How to reach Call 914.995.2099.

Source https://socialservices.westchestercountyny.gov/housing-assistance/homeless-services

Last checked October 16, 2026

Westchester County DSS offices

What it offers The county's general information line, and its four district offices. Offices are open Monday to Friday, except holidays.

How to reach General information and Homeless Services: 914.995.3333. Mount Vernon: 100 East First Street. Peekskill: 750 Washington Street. White Plains: 85 Court Street. Yonkers: 131 Warburton Avenue.

Source https://socialservices.westchestercountyny.gov/contact-us

Last checked October 16, 2026

Westchester County: drop in shelters

What it offers Westchester lists these drop in shelters. They also serve as warming and cooling centers in extreme weather. Call ahead.

How to reach Mount Vernon: Oasis Women's Annex, women only, 22 E. 1st Street, 914.840.9539. New Rochelle: Oasis Shelter, 19 Washington Ave., 914.633.0101. Peekskill: Jan Peek Shelter, 200 North Water St., 914.736.2636. White Plains: Samaritan House, women only, 33 Church St., 914.948.3075. Open Arms, men only, 86 East Post Rd., 914.948.5044. Yonkers: YWCA of Yonkers, men at 10 St. Casimir Avenue and women at 87 S. Broadway, 914.963.0640. Manor House, men only, 101 N. Broadway, 914.476.4864.

Source https://socialservices.westchestercountyny.gov/housing-assistance/homeless-services

Last checked October 16, 2026

Other local groups may also help.

Erie County (Buffalo)

Here are some places to start.

Erie County Emergency Services

What it offers Erie County Emergency Services takes emergency applications at the Erie County Work Center. After 5 pm, the county says to dial 211.

How to reach 158 Pearl Street, Rath Building, 1st floor, Buffalo. Emergency Services: 716.858.8000. After 5 pm: dial 211.

Source https://www3.erie.gov/temporaryassistance/emergency-services-contact

Last checked October 16, 2026

Other local groups may also help.

Monroe County (Rochester)

Here are some places to start.

Monroe County Housing Unit

What it offers Monroe County's Housing Unit runs an after hours placement line for housing emergencies outside regular business hours. People placed after hours are screened by phone, then must come in the next business day for a full interview.

How to reach Daytime (Mon to Fri, 8 am to 3 pm): 585.753.6044. After hours, weekends and holidays: 585.442.1742. Daytime line and hours from the City of Rochester: https://www.cityofrochester.gov/homelessness-resources-rochester

Source https://www.monroecounty.gov/files/hs/2024%20Housing%20Unit%20Annual%20Report.pdf

Last checked October 16, 2026

City of Rochester

What it offers If you need emergency shelter now, the City of Rochester says to call the Monroe County Department of Human Services. It also lists 211 and two 24 hour hotlines.

How to reach Monroe County DHS: 585.753.6044, Monday to Friday, 8 am to 3 pm. Dial 211, or text 898211. Youth and young adults: Center for Youth 24 hour hotline, 585.271.7670. Domestic violence: Willow Domestic Violence Center 24 hour hotline, 585.222.7233 (585.222.SAFE).

Source https://www.cityofrochester.gov/homelessness-resources-rochester

Last checked October 16, 2026

Other local groups may also help.

Onondaga County (Syracuse)

Here are some places to start.

Onondaga County Department of Social Services

What it offers Onondaga County Department of Social Services lists these shelters and numbers.

How to reach Temporary Assistance intake: 315.435.2825. Rescue Mission, single adults: 315.472.6251. Catholic Charities, single men: 315.530.1946. Salvation Army Emergency Family Shelter: 315.479.1332. Women's Shelter: 315.472.0947. Booth House, youth ages 13 to 17: 315.471.7628. Vera House, domestic violence and sexual assault: 315.425.0818. Or dial 211.

Source https://onondaga.gov/dss/wp-content/uploads/sites/210/2025/11/Onondaga-Community-Resources-Brochure-14-x-8.5.pdf

Last checked October 16, 2026

Other local groups may also help.

Albany County

Here are some places to start.

Albany County Department of Social Services: shelter placement

What it offers Homeless placements during business hours. HATAS lists a dedicated emergency line you can call instead of visiting the building.

How to reach 162 Washington Avenue, Albany. Call 518.447.7595. Monday to Friday, 8:30 am to 4:30 pm.

Source https://www.hatas.org/albany-ny-homeless

Last checked October 16, 2026

Homeless and Travelers Aid Society (HATAS): after hours shelter

What it offers After 4 pm on weekdays, and on weekends and holidays, HATAS answers the 24 hour line for emergency shelter in Albany County. It also lists the Capital City Rescue Mission, a seasonal warming center and an outreach van.

How to reach Call 518.463.2124, 24 hours a day.

Source https://www.hatas.org/im-homeless-now/after-4-pm-weekdays-and-weekend

Last checked October 16, 2026

Equinox Domestic Violence Services

What it offers Crisis help, advocacy, counseling and emergency shelter for victims of domestic violence and elder abuse. All services are at no cost and confidential.

How to reach 24 hour confidential hotline: 518.432.7865.

Source https://www.hatas.org/albany-ny-homeless

Last checked October 16, 2026

St. Anne Institute Runaway and Homeless Youth Shelter

What it offers Shelter for young people under 18 who are homeless in Albany County. Drop ins welcome.

How to reach 160 North Main Avenue, Albany. 24 hour hotline: 518.437.6523.

Source https://www.hatas.org/albany-ny-homeless

Last checked October 16, 2026

Other local groups may also help.

What to bring if you can

My plan for tonight

Fill this in with a pen, or snap a photo and keep it on your phone. You've got this!

Tonight I will sleep at

Place name
Address and phone
Check in time
I need to leave by
How I'm getting there
If that falls through, I'll call
Someone I trust to tell

Calls I made today

Who I called, and when
What they said
Call back on
Who I called, and when
What they said
Call back on

Key numbers to keep

✂ cut along the line and keep it with you
Emergency911
Any local help, 24/7211
New York City help and shelter info311
NYC PATH, families with children718.503.6400
NYC Adult Family Intake Center212.481.4704
NYS Domestic and Sexual Violence Hotline800.942.6906
NYS DV text line844.997.2121
Safe Horizon, New York City800.621.4673
Suicide and crisis, call or text988
VA Homeless Veterans877.424.3838
NYS TEACHS, school rights800.388.2014
SAMHSA Helpline1.800.662.4357
Bunkly, the Bunklow mascot
BUNKLY TIP

You're doing the right thing

Asking for help is a strong thing to do, my friend. You don't need to have it all figured out before you call. Make it the best night you can, and we'll be right here tomorrow.

About this guide

Made by the Bunklow team. No sign up, no paywall, no cost. Please share it with anyone who could use it. Bunklow does not run these programs and cannot speak for them. We list what each place says it offers and how to reach it, and you decide what to use. This is not a full list of every place that can help. Every source was checked on October 16, 2026. If something has changed, please tell us so we can fix it. We are always happy to hear from you!

Please note. This guide shares general information only. It is not legal, financial, tax or professional advice. Laws vary by state and city. For advice about your situation, talk with a licensed professional.

Affordable living. Simplified

Last updated October 16, 2026

Photo Credits

Every photo in this guide, listed by page. Changes we made are noted for each photo.

PagePhoto, author, license, source, changes
1Statue of Liberty, NY
William Warby
CC BY 2.0 creativecommons.org/licenses/by/2.0
commons.wikimedia.org/wiki/File:Statue_of_Liberty,_NY.jpg
Cropped, color fade added; print version lightened
2Location at 90 Lafayette St.
Lauraachilders
CC BY-SA 4.0 creativecommons.org/licenses/by-sa/4.0
commons.wikimedia.org/wiki/File:Location_at_90_Lafayette_St..jpg
Cropped, color fade added
4Brooklyn Bridge and the Lower Manhattan skyline from Pebble Beach, New York
Christian David
CC BY-SA 4.0 creativecommons.org/licenses/by-sa/4.0
commons.wikimedia.org/wiki/File:Brooklyn_Bridge_and_the_Lower_Manhattan_skyline_from_Pebble_Beach,_New_York.jpg
Cropped
5The Emergency Food Assistance Program (TEFAP) (20250110-USDA-FNS-UNK-084)
USDAgov
Public domain creativecommons.org/publicdomain/mark/1.0
commons.wikimedia.org/wiki/File:The_Emergency_Food_Assistance_Program_(TEFAP)_(20250110-USDA-FNS-UNK-084).jpg
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6Hands holding a cup of coffee, Quebec City
Wilfredor
CC0 creativecommons.org/publicdomain/zero/1.0
commons.wikimedia.org/wiki/File:Hands_holding_a_cup_of_coffee,_Quebec_City.jpg
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8New York Public Library May 2011
OptimumPx
Public domain creativecommons.org/publicdomain/mark/1.0
commons.wikimedia.org/wiki/File:New_York_Public_Library_May_2011.JPG
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11School lunch tray MyPlate 20210810-FNS-UNC-0015
U.S. Department of Agriculture
Public domain creativecommons.org/publicdomain/mark/1.0
commons.wikimedia.org/wiki/File:School_lunch_tray_MyPlate_20210810-FNS-UNC-0015.jpg
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12R68A G Train Interior
EmperorOfNYC
CC BY-SA 4.0 creativecommons.org/licenses/by-sa/4.0
commons.wikimedia.org/wiki/File:R68A_G_Train_Interior.jpg
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13First-aid travel kit 1
Renée Kools
CC BY 4.0 creativecommons.org/licenses/by/4.0
commons.wikimedia.org/wiki/File:First-aid_travel_kit_1.jpg
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14Sunrise on Navarre Beach, Flickr, mamamusings
Liz Lawley from Rochester, NY
CC BY-SA 2.0 creativecommons.org/licenses/by-sa/2.0
commons.wikimedia.org/wiki/File:Sunrise_on_Navarre_Beach_-_Flickr_-_mamamusings.jpg
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Photos marked CC BY-SA are shared, as changed here, under that same license.

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