Low Income

NYC Fair Fares Reduced-Fare Transit Program

Provides half-price subway, bus, and Access-A-Ride fares for eligible low-income New York City residents.

Type: Benefit Amount: 50% discount on NYC Transit subway and local bus fares, 50% off paratransit trips, and reduced-cost 7-day/30-day passes Deadline: Apply anytime; annual renewal required Location: New York and New York City

Office of Head Start (OHS) | The Administration for Children and Families

Comprehensive early childhood education, health, nutrition, and family support services for low-income children from birth to age five and pregnant women.

Amount: Free comprehensive services Deadline: Dec 31, 2025 Location: United States

Ohio Home Energy Assistance Program (HEAP)

Provides heating and cooling bill assistance, crisis grants, and weatherization referrals for Ohio households facing high energy costs.

Type: Benefit Amount: Winter heating benefit $100-$900; crisis or PIPP Plus assistance as needed Deadline: Subsidy season Nov 1–Mar 31; crisis year-round while funds last Location: Ohio

Oklahoma Low Income Home Energy Assistance Program

Provides winter heating, summer cooling, and crisis aid to help Oklahoma households manage utility costs and avoid disconnections.

Type: Benefit Amount: Seasonal benefit $75-$750; crisis aid covers arrears, deposits, and emergency fuel Deadline: Winter applications open Dec; summer cooling May; Energy Crisis Assistance available year-round while funds last Location: Oklahoma

Oregon Low Income Home Energy Assistance Program (LIHEAP)

Provides bill payment support, crisis assistance, and weatherization referrals for income-eligible Oregon households.

Type: Benefit Amount: $250–$1,200 per season; additional crisis deliveries or repairs available up to program limits Deadline: Applications accepted November–June or until funds are depleted; crisis aid available year-round Location: Oregon

Philadelphia Water Tiered Assistance Program (TAP)

Income-based water, sewer, and stormwater bill discounts for Philadelphia Water Department customers.

Type: Benefit Amount: Bills capped at 2-4% of household income; debt forgiveness after 24 months of on-time payments Deadline: Apply anytime; annual recertification required Location: Pennsylvania and Philadelphia

Portland Water Bureau Financial Assistance Program

Reduces water, sewer, and stormwater bills for income-eligible Portland households and provides crisis grants.

Type: Benefit Amount: 25-40% monthly bill discount plus crisis grants up to $500 and plumbing repair vouchers Deadline: Apply anytime; recertify annually Location: Oregon and Portland

Premium tax credit - Glossary | HealthCare.gov

Refundable tax credit that lowers the cost of ACA Marketplace health insurance premiums for eligible households.

Amount: Value varies; caps benchmark premium between 0% and 8.5% of household income Deadline: annual Open Enrollment (Nov–Jan) or qualifying life event Location: United States

San Francisco Public Utilities Commission Community Assistance Program

Provides water, wastewater, and Hetch Hetchy Power bill discounts plus emergency grants for low-income San Francisco residents.

Type: Benefit Amount: 25% off water charges, 20% off wastewater, 30% off Hetch Hetchy Power base charges, plus emergency grants up to $500 Deadline: Apply anytime; recertify every 2 years Location: California and San Francisco

Seattle Utility Discount Program: 60% Off Electric and 50% Off Water/Sewer Bills for Low-Income Residents

Offers electric, water, sewer, and garbage bill discounts to low-income Seattle residents served by Seattle City Light and Seattle Public Utilities. Saves households $1,200-$1,500 annually.

Amount: 60% off electric bills; 50% off water, sewer, and garbage charges; emergency credits for past-due balances Deadline: Apply anytime; recertify every 18 months Location: Seattle and Washington