The NYC programs in Manhattan (e.g. Cornell, NYU, St. Vincent's) do offer housing for residents and families. Most of those programs buy out a nearby apartment complex and sell it for less. Some of these subsidized housing are still expensive but still better than if you found a place on your own. I've been told that you must request early b/c the apartments fill up quick. The neighborhood is very good in the NYC programs I mentioned. Check each program's website very carefully regarding housing. BTW, I heard that Dallas is very affordable that you don't need subsidized housing. The cost of living in Texas is much less than the other cities you mentioned.