Beginning in 1867, she started a community for freed people in Heathsville, Northumberland County, Virginia, called Arcadia, on 400 acres purchased by her father, including a school for the education of children of freed slaves, the Howland Chapel School.[8][5] She continued to maintain an active interest in African-American education, donating money and materials as well as visiting and corresponding with administrators at many schools.[5] Returning to Sherwood, New York, after her father's death in 1881, she inherited $50,000 ($1.67million in 2025 dollars) and ran the Sherwood Select School until 1926 when it became a public school and was renamed the Emily Howland Elementary School by the state of New York.[5]
Howland became one of the first female directors of a national bank in the United States, at the First National Bank of Aurora in Aurora, New York, in 1890,[12] serving until her death, at age 101.