Homeowners, Property Tax & Repairs · Surprise rank #310
Low-Income NYC Homeowner? Get $191 Taken Off Your Water Bill Every Year
The Home Water Assistance Program (HWAP) provides a direct annual credit (approx. $150-$190) on municipal water/sewer bills for eligible low-income 1-4 family homeowners.
Who
Qualifying owners of one- to four-family homes who meet benefit or income rules.
Where: NYC.
What to do
Start here: No application is normally required. Check the DEP bill after eligibility matching and contact DEP if the credit is missing.
Eligibility: Eligible property/account and qualifying income or public-benefit status.
What you get
Eligible low-income owners of qualifying small residential properties receive an automatic annual credit on the NYC water and sewer account.
Benefit: A $191 annual non-refundable water and sewer credit under the current program.
Possible value: $191 per year.
Good to know
Important: Homeowners only; benefit amount and eligibility can change annually.
Availability: Annual/ongoing subject to city program rules.
Why people miss it: It is separate from ordinary property-tax and utility assistance and is rarely promoted.
Sources reviewed: Aug 9, 2026