| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 52.0% | Montauk Union Free School District / 3,471 |
| 2. | 51.4% | Kiryas Joel Village Union Free School District / 21,201 |
| 3. | 49.1% | Roosevelt Union Free School District / 18,187 |
| 4. | 47.5% | Island Park Union Free School District / 8,646 |
| 5. | 47.1% | Hempstead Union Free School District / 44,273 |
| 6. | 46.2% | Wyandanch Union Free School District / 11,198 |
| 7. | 45.0% | East Hampton Union Free School District / 9,269 |
| 8. | 42.9% | Tuxedo Union Free School District / 2,657 |
| 9. | 41.0% | Uniondale Union Free School District / 42,919 |
| 10. | 39.8% | Bridgehampton Union Free School District / 1,154 |
| 11. | 39.6% | Roslyn Union Free School District / 17,914 |
| 12. | 39.3% | Amagansett Union Free School District / 1,527 |
| 13. | 38.8% | Westbury Union Free School District / 26,356 |
| 14. | 38.5% | Mount Vernon City School District / 67,962 |
| 15. | 38.4% | Hewlett-Woodmere Union Free School District / 19,628 |
| 16. | 38.3% | Copiague Union Free School District / 30,592 |
| 17. | 38.1% | Springs Union Free School District / 5,855 |
| 18. | 38.0% | East Williston Union Free School District / 8,483 |
| 19. | 38.0% | Freeport Union Free School District / 40,266 |
| 20. | 37.8% | Harrison Central School District / 27,822 |
| 21. | 37.1% | Wainscott Common School District / 719 |
| 22. | 36.9% | Hampton Bays Union Free School District / 12,230 |
| 23. | 36.7% | Lindenhurst Union Free School District / 41,605 |
| 24. | 36.6% | Monticello Central School District / 20,879 |
| 25. | 36.6% | Port Chester-Rye Union Free School District / 32,326 |
| 26. | 36.6% | Brentwood Union Free School District / 87,865 |
| 27. | 36.6% | Valley Stream Union Free School District 24 / 14,454 |
| 28. | 36.4% | Westhampton Beach Union Free School District / 5,399 |
| 29. | 36.3% | Glen Cove City School District / 27,161 |
| 30. | 36.3% | Tuckahoe Common School District / 3,515 |
| 31. | 36.0% | Dover Union Free School District / 10,431 |
| 32. | 36.0% | Greenport Union Free School District / 4,513 |
| 33. | 35.9% | Quogue Union Free School District / 968 |
| 34. | 35.9% | Central Islip Union Free School District / 39,305 |
| 35. | 35.9% | East Ramapo Central School District / 116,952 |
| 36. | 35.7% | Great Neck Union Free School District / 45,249 |
| 37. | 35.6% | West Babylon Union Free School District / 28,599 |
| 38. | 35.4% | Bellmore Union Free School District / 12,602 |
| 39. | 35.4% | Southampton Union Free School District / 9,915 |
| 40. | 35.2% | Elmont Union Free School District / 54,636 |
| 41. | 34.7% | New York City Department Of Education / 8,354,889 |
| 42. | 34.3% | Riverhead Central School District / 41,129 |
| 43. | 34.2% | Lawrence Union Free School District / 34,932 |
| 44. | 34.0% | William Floyd Union Free School District / 49,959 |
| 45. | 33.8% | Greenwood Lake Union Free School District / 6,213 |
| 46. | 33.7% | Bolton Central School District / 1,861 |
| 47. | 33.6% | Cold Spring Harbor Central School District / 7,931 |
| 48. | 33.5% | East Moriches Union Free School District / 5,571 |
| 49. | 33.4% | Mattituck-Cutchogue Union Free School District / 9,702 |
| 50. | 33.4% | Herricks Union Free School District / 24,452 |
| 51. | 33.1% | Baldwin Union Free School District / 33,433 |
| 51. | 33.1% | Ramapo Central School District / 28,386 |
| 53. | 32.6% | Bay Shore Union Free School District / 35,375 |
| 54. | 32.5% | Valley Stream Central High School District / 61,099 |
| 55. | 32.5% | Liberty Central School District / 10,788 |
| 56. | 32.5% | Pawling Central School District / 8,653 |
| 57. | 32.4% | Franklin Square Union Free School District / 26,918 |
| 58. | 32.4% | Babylon Union Free School District / 11,967 |
| 59. | 32.3% | Rhinebeck Central School District / 9,769 |
| 59. | 32.3% | Locust Valley Central School District / 15,447 |
| 61. | 32.3% | Middle Country Central School District / 65,366 |
| 62. | 32.2% | Ossining Union Free School District / 34,383 |
| 63. | 32.1% | Huntington Union Free School District / 35,861 |
| 64. | 32.1% | Valley Stream Union Free School District 13 / 28,377 |
| 65. | 32.1% | Bethpage Union Free School District / 18,587 |
| 66. | 32.0% | Island Trees Union Free School District / 16,159 |
| 67. | 31.9% | Amityville Union Free School District / 28,168 |
| 68. | 31.8% | Piseco Common School District / 210 |
| 68. | 31.8% | North Babylon Union Free School District / 30,066 |
| 70. | 31.8% | Tuckahoe Union Free School District / 7,871 |
| 71. | 31.7% | Long Beach City School District / 38,860 |
| 72. | 31.6% | Jasper-Troupsburg Central School District / 3,492 |
| 73. | 31.6% | Putnam Valley Central School District / 10,886 |
| 74. | 31.5% | Eastport-South Manor Central School District / 19,473 |
| 75. | 31.4% | North Salem Central School District / 7,540 |
| 76. | 31.4% | New Suffolk Common School District / 298 |
| 77. | 31.3% | South Country Central School District / 30,035 |
| 78. | 31.1% | Sewanhaka Central High School District / 125,240 |
| 79. | 31.0% | Downsville Central School District / 2,124 |
| 80. | 30.7% | Cairo-Durham Central School District / 9,661 |
| 81. | 30.7% | West Islip Union Free School District / 27,300 |
| 82. | 30.5% | Salem Central School District / 4,099 |
| 83. | 30.5% | Name N/A / 256,974 |
| 83. | 30.5% | Connetquot Central School District / 39,945 |
| 85. | 30.5% | Walton Central School District / 6,561 |
| 86. | 30.4% | Bayport-Blue Point Union Free School District / 13,242 |
| 87. | 30.4% | Sag Harbor Union Free School District / 6,957 |
| 88. | 30.3% | Haverstraw-Stony Point Central School District / 48,417 |
| 89. | 30.3% | Mount Pleasant Central School District / 13,151 |
| 89. | 30.3% | Half Hollow Hills Central School District / 47,849 |
| 91. | 30.3% | Valley Stream Union Free School District 30 / 18,268 |
| 92. | 30.2% | New Rochelle City School District / 78,476 |
| 93. | 30.1% | Pine Plains Central School District / 9,048 |
| 94. | 30.0% | Patchogue-Medford Union Free School District / 51,872 |
| 95. | 30.0% | Deer Park Union Free School District / 25,545 |
| 96. | 29.9% | Elwood Union Free School District / 13,188 |
| 97. | 29.8% | North Shore Central School District / 16,620 |
| 98. | 29.7% | Nyack Union Free School District / 24,767 |
| 99. | 29.7% | Marlboro Central School District / 12,777 |
| 100. | 29.5% | Chautauqua Lake Central School District / 5,712 |
| 101. | 29.4% | Plainedge Union Free School District / 20,087 |
| 102. | 29.3% | Farmingdale Union Free School District / 40,772 |
| 102. | 29.3% | Longwood Central School District / 65,518 |
| 104. | 29.3% | North Warren Central School District / 4,805 |
| 104. | 29.3% | Port Jervis City School District / 17,794 |
| 106. | 29.2% | Miller Place Union Free School District / 14,663 |
| 107. | 29.2% | Elmsford Union Free School District / 9,138 |
| 108. | 29.1% | Yonkers City School District / 198,654 |
| 109. | 29.0% | Byram Hills Central School District / 10,976 |
| 110. | 29.0% | The Tarrytowns Union Free School District / 19,430 |
| 111. | 28.9% | Lynbrook Union Free School District / 17,881 |
| 111. | 28.9% | East Islip Union Free School District / 24,641 |
| 113. | 28.9% | East Meadow Union Free School District / 51,552 |
| 114. | 28.9% | Oceanside Union Free School District / 34,842 |
| 114. | 28.9% | Hinsdale Central School District / 2,806 |
| 116. | 28.8% | Washingtonville Central School District / 23,978 |
| 117. | 28.8% | Manhasset Union Free School District / 15,723 |
| 118. | 28.8% | Middletown City School District / 41,245 |
| 119. | 28.7% | Remsenburg-Speonk Union Free School District / 1,663 |
| 120. | 28.6% | Rocky Point Union Free School District / 18,570 |
| 121. | 28.6% | Levittown Union Free School District / 46,214 |
| 122. | 28.6% | Carmel Central School District / 29,615 |
| 123. | 28.5% | Johnsburg Central School District / 1,907 |
| 124. | 28.5% | Andes Central School District / 1,112 |
| 125. | 28.4% | Syosset Central School District / 33,944 |
| 126. | 28.3% | Port Washington Union Free School District / 31,145 |
| 127. | 28.3% | Peekskill City School District / 23,875 |
| 128. | 28.3% | Newburgh City School District / 66,767 |
| 128. | 28.3% | Cambridge Central School District / 6,086 |
| 130. | 28.3% | Yorktown Central School District / 20,917 |
| 131. | 28.2% | Bellmore-Merrick Central High School District / 69,881 |
| 132. | 28.2% | Haldane Central School District / 5,445 |
| 133. | 28.1% | Ellenville Central School District / 13,050 |
| 134. | 28.1% | New Hyde Park-Garden City Park Union Free School District / 23,437 |
| 135. | 28.0% | Mount Sinai Union Free School District / 12,822 |
| 136. | 28.0% | Harborfields Central School District / 19,050 |
| 137. | 27.9% | Fire Island Union Free School District / 459 |
| 138. | 27.9% | Northeast Central School District / 6,546 |
| 138. | 27.9% | Center Moriches Union Free School District / 8,010 |
| 140. | 27.8% | Oysterponds Union Free School District / 1,582 |
| 141. | 27.8% | Bronxville Union Free School District / 6,378 |
| 142. | 27.8% | Cohoes City School District / 16,195 |
| 143. | 27.6% | Arlington Central School District / 57,812 |
| 144. | 27.6% | Scarsdale Union Free School District / 18,337 |
| 145. | 27.6% | Hicksville Union Free School District / 40,447 |
| 146. | 27.5% | Goshen Central School District / 18,501 |
| 147. | 27.5% | Jericho Union Free School District / 16,979 |
| 148. | 27.3% | Gloversville City School District / 19,351 |
| 149. | 27.2% | Garden City Union Free School District / 22,543 |
| 150. | 27.1% | Somers Central School District / 19,724 |
| 151. | 27.1% | Lakeland Central School District / 35,491 |
| 151. | 27.1% | Islip Union Free School District / 18,917 |
| 153. | 27.1% | North Bellmore Union Free School District / 26,585 |
| 154. | 27.0% | Keene Central School District / 1,011 |
| 155. | 27.0% | Laurens Central School District / 2,896 |
| 156. | 26.9% | Mamaroneck Union Free School District / 28,635 |
| 157. | 26.9% | Poughkeepsie City School District / 30,716 |
| 158. | 26.8% | Kings Park Central School District / 23,011 |
| 158. | 26.8% | West Hempstead Union Free School District / 16,015 |
| 158. | 26.8% | South Orangetown Central School District / 21,614 |
| 161. | 26.7% | Brookhaven-Comsewogue Union Free School District / 25,659 |
| 162. | 26.7% | Owen D. Young Central School District / 1,634 |
| 163. | 26.7% | Ardsley Union Free School District / 9,410 |
| 164. | 26.7% | Merrick Union Free School District / 17,119 |
| 165. | 26.6% | Harpursville Central School District / 4,998 |
| 166. | 26.6% | Wallkill Central School District / 20,664 |
| 167. | 26.5% | Pocantico Hills Central School District / 4,828 |
| 168. | 26.4% | Canaseraga Central School District / 1,846 |
| 169. | 26.4% | Sullivan West Central School District / 11,023 |
| 170. | 26.4% | Red Hook Central School District / 13,727 |
| 170. | 26.4% | Copenhagen Central School District / 2,916 |
| 172. | 26.3% | Inlet Common School District / 487 |
| 173. | 26.3% | Coxsackie-Athens Central School District / 12,886 |
| 174. | 26.3% | Schenevus Central School District / 2,456 |
| 175. | 26.2% | South Huntington Union Free School District / 39,314 |
| 176. | 26.1% | Smithtown Central School District / 58,044 |
| 177. | 26.1% | Onteora Central School District / 14,993 |
| 178. | 26.1% | Tri-Valley Central School District / 6,137 |
| 179. | 26.0% | East Quogue Union Free School District / 4,233 |
| 180. | 26.0% | New Paltz Central School District / 19,245 |
| 181. | 25.9% | Germantown Central School District / 5,267 |
| 182. | 25.8% | Taconic Hills Central School District / 12,112 |
| 183. | 25.8% | Pelham Union Free School District / 12,523 |
| 184. | 25.7% | Windham-Ashland-Jewett Central School District / 3,026 |
| 185. | 25.7% | Rye Neck Union Free School District / 8,712 |
| 186. | 25.7% | Eldred Central School District / 5,061 |
| 187. | 25.6% | Middleburgh Central School District / 6,035 |
| 188. | 25.5% | Valhalla Union Free School District / 10,130 |
| 189. | 25.5% | North Merrick Union Free School District / 13,575 |
| 190. | 25.4% | Bradford Central School District / 2,063 |
| 191. | 25.4% | Clarkstown Central School District / 48,668 |
| 192. | 25.3% | Oyster Bay-East Norwich Central School District / 12,938 |
| 193. | 25.3% | Katonah-Lewisboro Union Free School District / 18,350 |
| 194. | 25.3% | Chateaugay Central School District / 3,397 |
| 195. | 25.2% | Mineola Union Free School District / 23,780 |
| 196. | 25.2% | Hauppauge Union Free School District / 23,017 |
| 197. | 25.1% | Pine Bush Central School District / 33,114 |
| 198. | 25.1% | Garrison Union Free School District / 3,033 |
| 199. | 25.1% | Cooperstown Central School District / 6,645 |
| 200. | 25.0% | Fort Plain Central School District / 5,382 |
| 201. | 25.0% | Northport-East Northport Union Free School District / 35,621 |
| 202. | 25.0% | Hammond Central School District / 2,155 |
| 202. | 25.0% | Edinburg Common School District / 1,415 |
| 204. | 24.9% | Valley Central School District / 27,158 |
| 205. | 24.9% | Tully Central School District / 5,955 |
| 206. | 24.8% | Commack Union Free School District / 37,187 |
| 206. | 24.8% | Chappaqua Central School District / 16,780 |
| 208. | 24.7% | Chester Union Free School District / 6,365 |
| 209. | 24.6% | Dobbs Ferry Union Free School District / 9,910 |
| 210. | 24.6% | Menands Union Free School District / 3,704 |
| 211. | 24.6% | Crown Point Central School District / 1,814 |
| 212. | 24.5% | Millbrook Central School District / 7,952 |
| 212. | 24.5% | Fallsburg Central School District / 10,719 |
| 214. | 24.5% | DeRuyter Central School District / 2,769 |
| 215. | 24.5% | Saugerties Central School District / 20,505 |
| 216. | 24.5% | Friendship Central School District / 2,077 |
| 217. | 24.4% | Wappingers Central School District / 74,648 |
| 218. | 24.4% | Bedford Central School District / 29,116 |
| 219. | 24.4% | Stamford Central School District / 2,964 |
| 220. | 24.4% | Wheelerville Union Free School District / 1,290 |
| 221. | 24.2% | Eastchester Union Free School District / 18,488 |
| 222. | 24.2% | Plainview-Old Bethpage Central School District / 29,054 |
| 223. | 24.0% | Rondout Valley Central School District / 16,560 |
| 224. | 24.0% | Brunswick Central School District (Brittonkill) / 7,894 |
| 225. | 24.0% | Kingston City School District / 52,069 |
| 225. | 24.0% | Mahopac Central School District / 26,974 |
| 227. | 24.0% | Moriah Central School District / 4,814 |
| 228. | 24.0% | Whitehall Central School District / 4,840 |
| 228. | 24.0% | Hudson City School District / 15,644 |
| 230. | 23.8% | Brocton Central School District / 4,875 |
| 231. | 23.8% | Bainbridge-Guilford Central School District / 5,362 |
| 232. | 23.7% | Wantagh Union Free School District / 17,991 |
| 233. | 23.7% | Seaford Union Free School District / 16,415 |
| 233. | 23.7% | Madison Central School District / 3,339 |
| 235. | 23.7% | Nanuet Union Free School District / 14,077 |
| 236. | 23.6% | Clifton-Fine Central School District / 2,371 |
| 237. | 23.4% | Naples Central School District / 5,326 |
| 238. | 23.4% | Florida Union Free School District / 4,715 |
| 239. | 23.4% | Schroon Lake Central School District / 1,520 |
| 240. | 23.4% | Sachem Central School District / 83,350 |
| 241. | 23.3% | Warwick Valley Central School District / 23,677 |
| 242. | 23.3% | Newcomb Central School District / 493 |
| 243. | 23.3% | Catskill Central School District / 12,417 |
| 244. | 23.2% | Livingston Manor Central School District / 3,542 |
| 245. | 23.2% | Greenburgh Central School District / 20,966 |
| 246. | 23.2% | Mayfield Central School District / 6,403 |
| 247. | 23.1% | Rye City School District / 14,872 |
| 247. | 23.1% | Central Square Central School District / 25,512 |
| 249. | 23.0% | Holley Central School District / 7,774 |
| 250. | 23.0% | Parishville-Hopkinton Central School District / 2,868 |
| 251. | 22.9% | Hendrick Hudson Central School District / 15,558 |
| 252. | 22.9% | Briarcliff Manor Union Free School District / 7,951 |
| 253. | 22.8% | Brasher Falls Central School District / 5,165 |
| 254. | 22.8% | Hunter-Tannersville Central School District / 3,833 |
| 254. | 22.8% | Malverne Union Free School District / 15,454 |
| 256. | 22.7% | Jefferson Central School District / 1,944 |
| 257. | 22.7% | Massapequa Union Free School District / 47,800 |
| 258. | 22.6% | White Plains City School District / 57,505 |
| 259. | 22.6% | Port Jefferson Union Free School District / 7,888 |
| 260. | 22.5% | Floral Park-Bellerose Union Free School District / 20,249 |
| 260. | 22.5% | Pearl River Union Free School District / 15,305 |
| 262. | 22.5% | Edwards-Knox Central School District / 3,122 |
| 263. | 22.4% | Whitesville Central School District / 1,123 |
| 264. | 22.3% | Carle Place Union Free School District / 9,846 |
| 265. | 22.3% | Fort Edward Union Free School District / 3,074 |
| 266. | 22.2% | Carthage Central School District / 19,300 |
| 266. | 22.2% | Granville Central School District / 7,365 |
| 268. | 22.0% | Minisink Valley Central School District / 22,830 |
| 268. | 22.0% | Delhi Central School District / 7,892 |
| 270. | 21.9% | Rensselaer City School District / 9,700 |
| 271. | 21.8% | Monroe-Woodbury Central School District / 36,628 |
| 272. | 21.8% | Brewster Central School District / 22,698 |
| 273. | 21.8% | Alexandria Central School District / 4,010 |
| 274. | 21.7% | New Lebanon Central School District / 4,080 |
| 275. | 21.6% | Schenectady City School District / 66,055 |
| 276. | 21.6% | Hartford Central School District / 2,961 |
| 277. | 21.5% | Hyde Park Central School District / 33,008 |
| 278. | 21.5% | Hannibal Central School District / 8,151 |
| 279. | 21.4% | Ellicottville Central School District / 3,710 |
| 280. | 21.4% | Honeoye Central School District / 6,068 |
| 281. | 21.3% | Fort Ann Central School District / 5,929 |
| 282. | 21.3% | West Valley Central School District / 2,339 |
| 283. | 21.2% | Lisbon Central School District / 4,408 |
| 283. | 21.2% | Sackets Harbor Central School District / 3,371 |
| 285. | 21.2% | Sayville Union Free School District / 17,688 |
| 286. | 21.1% | Penn Yan Central School District / 15,535 |
| 287. | 21.1% | Worcester Central School District / 2,765 |
| 288. | 21.1% | Ripley Central School District / 1,630 |
| 289. | 21.0% | Cornwall Central School District / 16,829 |
| 290. | 20.9% | Marathon Central School District / 4,567 |
| 291. | 20.8% | Highland Falls Central School District / 12,327 |
| 291. | 20.8% | Tioga Central School District / 6,326 |
| 291. | 20.8% | Remsen Central School District / 3,080 |
| 294. | 20.8% | Hastings-on-Hudson Union Free School District / 8,631 |
| 295. | 20.7% | Morris Central School District / 2,071 |
| 296. | 20.7% | Hancock Central School District / 2,746 |
| 296. | 20.7% | Cherry Valley-Springfield Central School District / 4,005 |
| 296. | 20.7% | Kinderhook Central School District / 13,520 |
| 299. | 20.7% | Three Village Central School District / 46,932 |
| 300. | 20.7% | Westport Central School District / 1,443 |
| 301. | 20.6% | Shoreham-Wading River Central School District / 12,274 |
| 302. | 20.5% | Gilboa-Conesville Central School District / 2,640 |
| 303. | 20.4% | Edgemont Union Free School District / 7,565 |
| 304. | 20.4% | Spackenkill Union Free School District / 8,959 |
| 305. | 20.4% | Addison Central School District / 7,357 |
| 306. | 20.3% | Hoosick Falls Central School District / 8,322 |
| 307. | 20.3% | Morrisville-Eaton Central School District / 6,324 |
| 308. | 20.3% | Buffalo City School District / 259,959 |
| 309. | 20.3% | Beacon City School District / 27,012 |
| 310. | 20.1% | Holland Patent Central School District / 9,272 |
| 311. | 20.1% | Corinth Central School District / 7,572 |
| 312. | 20.1% | Lansingburgh Central School District / 17,198 |
| 313. | 20.1% | Sharon Springs Central School District / 2,024 |
| 314. | 20.1% | Bolivar-Richburg Central School District / 4,294 |
| 315. | 20.0% | Milford Central School District / 2,961 |
| 316. | 20.0% | Little Falls City School District / 7,387 |
| 317. | 19.8% | South Seneca Central School District / 6,642 |
| 318. | 19.8% | Ticonderoga Central School District / 5,789 |
| 318. | 19.8% | Wyoming Central School District / 1,586 |
| 320. | 19.8% | Binghamton City School District / 46,771 |
| 321. | 19.8% | Hudson Falls Central School District / 15,670 |
| 322. | 19.7% | Northville Central School District / 2,966 |
| 323. | 19.7% | LaFargeville Central School District / 3,224 |
| 324. | 19.6% | Chatham Central School District / 9,379 |
| 325. | 19.6% | Rockville Centre Union Free School District / 22,252 |
| 326. | 19.5% | Sidney Central School District / 7,838 |
| 327. | 19.4% | Highland Central School District / 11,732 |
| 328. | 19.4% | Panama Central School District / 3,444 |
| 329. | 19.4% | Cattaraugus-Little Valley Central School District / 6,467 |
| 330. | 19.4% | Lyme Central School District / 2,608 |
| 331. | 19.4% | Hoosic Valley Central School District / 7,327 |
| 332. | 19.3% | Roxbury Central School District / 2,588 |
| 332. | 19.3% | Putnam Central School District / 738 |
| 334. | 19.2% | South Lewis Central School District / 7,348 |
| 335. | 19.2% | Sagaponack Common School District / 232 |
| 336. | 19.1% | Cazenovia Central School District / 10,839 |
| 337. | 19.0% | Arkport Central School District / 2,808 |
| 337. | 19.0% | Lake Placid Central School District / 6,114 |
| 339. | 19.0% | Averill Park Central School District / 19,382 |
| 340. | 19.0% | Pine Valley Central School District / 4,557 |
| 341. | 18.9% | Utica City School District / 61,852 |
| 342. | 18.9% | Lackawanna City School District / 18,037 |
| 343. | 18.8% | Kendall Central School District / 5,585 |
| 344. | 18.8% | Rochester City School District / 210,461 |
| 345. | 18.7% | Colton-Pierrepont Central School District / 2,628 |
| 346. | 18.7% | Dolgeville Central School District / 5,270 |
| 347. | 18.6% | Stillwater Central School District / 7,207 |
| 347. | 18.6% | Canton Central School District / 12,038 |
| 349. | 18.6% | Fillmore Central School District / 4,966 |
| 350. | 18.5% | Gates-Chili Central School District / 33,289 |
| 351. | 18.5% | Fonda-Fultonville Central School District / 8,668 |
| 351. | 18.5% | Sodus Central School District / 7,618 |
| 353. | 18.5% | Lake George Central School District / 6,648 |
| 354. | 18.4% | Thousand Islands Central School District / 8,039 |
| 354. | 18.4% | Port Byron Central School District / 6,287 |
| 354. | 18.4% | Pleasantville Union Free School District / 8,336 |
| 357. | 18.3% | Unadilla Valley Central School District / 5,780 |
| 358. | 18.3% | Shelter Island Union Free School District / 2,669 |
| 359. | 18.3% | Wayland-Cohocton Central School District / 9,182 |
| 360. | 18.3% | Roscoe Central School District / 2,062 |
| 361. | 18.2% | Georgetown-South Otselic Central School District / 2,209 |
| 362. | 18.2% | Elizabethtown-Lewis Central School District / 2,666 |
| 362. | 18.2% | Salamanca City School District / 7,572 |
| 364. | 18.1% | Cobleskill-Richmondville Central School District / 13,816 |
| 365. | 18.1% | Sherrill City School District / 11,865 |
| 366. | 18.0% | Blind Brook-Rye Union Free School District / 6,405 |
| 367. | 18.0% | Scio Central School District / 1,946 |
| 367. | 18.0% | Bemus Point Central School District / 4,917 |
| 369. | 17.9% | Newark Central School District / 15,280 |
| 370. | 17.9% | Spencer-Van Etten Central School District / 6,061 |
| 371. | 17.8% | Holland Central School District / 6,745 |
| 372. | 17.8% | Margaretville Central School District / 3,925 |
| 373. | 17.7% | Niagara-Wheatfield Central School District / 27,628 |
| 374. | 17.6% | Newfield Central School District / 5,674 |
| 375. | 17.6% | Medina Central School District / 10,582 |
| 376. | 17.6% | Croton-Harmon Union Free School District / 9,408 |
| 377. | 17.5% | Ravena-Coeymans-Selkirk Central School District / 14,099 |
| 378. | 17.5% | Hadley-Luzerne Central School District / 6,521 |
| 379. | 17.4% | West Canada Valley Central School District / 4,935 |
| 380. | 17.4% | Charlotte Valley Central School District / 2,717 |
| 381. | 17.4% | Randolph Central School District / 6,663 |
| 382. | 17.4% | East Greenbush Central School District / 29,761 |
| 383. | 17.4% | Skaneateles Central School District / 9,033 |
| 384. | 17.3% | Deposit Central School District / 3,996 |
| 385. | 17.3% | Lyndonville Central School District / 4,672 |
| 386. | 17.3% | Madrid-Waddington Central School District / 4,422 |
| 387. | 17.3% | Royalton-Hartland Central School District / 9,037 |
| 387. | 17.3% | Richfield Springs Central School District / 4,017 |
| 389. | 17.3% | Camden Central School District / 12,928 |
| 390. | 17.2% | Chazy Union Free School District / 2,966 |
| 391. | 17.2% | Syracuse City School District / 144,648 |
| 392. | 17.2% | Franklinville Central School District / 4,381 |
| 393. | 17.2% | Brushton-Moira Central School District / 5,087 |
| 393. | 17.2% | South Kortright Central School District / 2,894 |
| 395. | 17.1% | Tupper Lake Central School District / 6,271 |
| 396. | 17.1% | Sherburne-Earlville Central School District / 8,659 |
| 397. | 17.0% | Ithaca City School District / 67,173 |
| 398. | 17.0% | Mount Markham Central School District / 7,011 |
| 398. | 17.0% | Fabius-Pompey Central School District / 5,152 |
| 400. | 17.0% | Gilbertsville-Mount Upton Central School District / 3,360 |
| 401. | 16.9% | Wellsville Central School District / 9,482 |
| 402. | 16.9% | Jamestown City School District / 32,254 |
| 403. | 16.9% | Scotia-Glenville Central School District / 18,637 |
| 404. | 16.8% | Watervliet City School District / 11,030 |
| 405. | 16.8% | Queensbury Union Free School District / 22,342 |
| 406. | 16.8% | Indian River Central School District / 21,863 |
| 407. | 16.8% | Whitesboro Central School District / 25,723 |
| 408. | 16.7% | Owego-Apalachin Central School District / 14,475 |
| 409. | 16.6% | Yorkshire-Pioneer Central School District / 15,914 |
| 410. | 16.6% | Harrisville Central School District / 2,115 |
| 411. | 16.5% | Fulton City School District / 20,084 |
| 412. | 16.5% | Sauquoit Valley Central School District / 7,012 |
| 412. | 16.5% | Evans-Brant Central School District / 17,855 |
| 414. | 16.4% | Avon Central School District / 7,101 |
| 414. | 16.4% | Indian Lake Central School District / 1,114 |
| 416. | 16.4% | Chenango Forks Central School District / 9,896 |
| 416. | 16.4% | Wayne Central School District / 14,914 |
| 418. | 16.4% | Salmon River Central School District / 7,520 |
| 419. | 16.4% | Voorheesville Central School District / 7,160 |
| 420. | 16.3% | Altmar-Parish-Williamstown Central School District / 7,395 |
| 421. | 16.3% | Minerva Central School District / 598 |
| 422. | 16.3% | Niagara Falls City School District / 49,679 |
| 423. | 16.3% | East Syracuse-Minoa Central School District / 21,844 |
| 423. | 16.3% | Warrensburg Central School District / 5,918 |
| 425. | 16.2% | Silver Creek Central School District / 6,331 |
| 426. | 16.2% | Greece Central School District / 82,909 |
| 426. | 16.2% | Phoenix Central School District / 11,564 |
| 428. | 16.1% | Sherman Central School District / 2,849 |
| 429. | 16.1% | North Rose-Wolcott Central School District / 8,994 |
| 429. | 16.1% | Grand Island Central School District / 20,580 |
| 431. | 16.1% | Hammondsport Central School District / 3,887 |
| 432. | 16.1% | Red Creek Central School District / 5,744 |
| 433. | 16.0% | Bath Central School District / 11,345 |
| 433. | 16.0% | Eden Central School District / 10,099 |
| 435. | 16.0% | Irvington Union Free School District / 9,668 |
| 436. | 15.9% | Fredonia Central School District / 14,664 |
| 437. | 15.9% | Amsterdam City School District / 25,346 |
| 438. | 15.9% | Saratoga Springs City School District / 49,980 |
| 439. | 15.9% | Lyncourt Union Free School District / 3,649 |
| 440. | 15.8% | Cheektowaga-Maryvale Union Free School District / 18,928 |
| 440. | 15.8% | North Colonie Central School District / 40,010 |
| 442. | 15.8% | Dansville Central School District / 10,073 |
| 443. | 15.8% | Johnson City Central School District / 19,065 |
| 444. | 15.7% | Potsdam Central School District / 15,411 |
| 445. | 15.7% | Belleville Henderson Central School District / 3,801 |
| 446. | 15.7% | Guilderland Central School District / 36,518 |
| 446. | 15.7% | Greenwich Central School District / 6,632 |
| 448. | 15.7% | Northern Adirondack Central School District / 6,506 |
| 448. | 15.7% | General Brown Central School District / 8,905 |
| 450. | 15.7% | Hermon-DeKalb Central School District / 2,414 |
| 451. | 15.6% | Albany City School District / 98,287 |
| 452. | 15.6% | Webb Town Union Free School District / 2,165 |
| 453. | 15.6% | Name N/A / 6,035 |
| 454. | 15.6% | Glens Falls City School District / 14,668 |
| 455. | 15.6% | Rotterdam-Mohonasen Central School District / 20,553 |
| 456. | 15.5% | Afton Central School District / 3,877 |
| 457. | 15.5% | Candor Central School District / 4,739 |
| 458. | 15.4% | Oneonta City School District / 20,319 |
| 459. | 15.4% | Webster Central School District / 55,906 |
| 460. | 15.4% | Troy City School District / 40,142 |
| 461. | 15.4% | Lansing Central School District / 7,352 |
| 462. | 15.4% | Cincinnatus Central School District / 3,590 |
| 462. | 15.4% | Depew Union Free School District / 15,780 |
| 462. | 15.4% | Galway Central School District / 7,354 |
| 465. | 15.4% | Pittsford Central School District / 34,549 |
| 465. | 15.4% | Oneida City School District / 16,075 |
| 467. | 15.3% | Gananda Central School District / 6,149 |
| 468. | 15.3% | Honeoye Falls-Lima Central School District / 13,460 |
| 469. | 15.2% | Poland Central School District / 4,379 |
| 470. | 15.2% | Jordan-Elbridge Central School District / 9,011 |
| 471. | 15.2% | Schoharie Central School District / 6,748 |
| 472. | 15.1% | Campbell-Savona Central School District / 5,103 |
| 473. | 15.1% | West Irondequoit Central School District / 24,111 |
| 474. | 15.0% | Cheektowaga Central School District / 20,832 |
| 475. | 14.9% | Frankfort-Schuyler Central School District / 6,983 |
| 475. | 14.9% | Springville-Griffith Institute Central School District / 12,991 |
| 477. | 14.9% | Cheektowaga-Sloan Union Free School District / 11,267 |
| 478. | 14.8% | Greenville Central School District / 8,118 |
| 479. | 14.8% | Saranac Lake Central School District / 13,933 |
| 480. | 14.8% | St. Regis Falls Central School District / 1,869 |
| 481. | 14.8% | Prattsburgh Central School District / 3,331 |
| 482. | 14.7% | Geneseo Central School District / 11,316 |
| 483. | 14.7% | Wynantskill Union Free School District / 3,648 |
| 484. | 14.7% | Caledonia-Mumford Central School District / 5,342 |
| 485. | 14.6% | Whitney Point Central School District / 9,137 |
| 485. | 14.6% | Victor Central School District / 23,137 |
| 485. | 14.6% | Watertown City School District / 31,679 |
| 488. | 14.6% | East Rockaway Union Free School District / 9,070 |
| 489. | 14.6% | Livonia Central School District / 10,931 |
| 490. | 14.6% | Westfield Central School District / 5,104 |
| 491. | 14.6% | Keshequa Central School District / 5,210 |
| 492. | 14.5% | Wilson Central School District / 8,395 |
| 493. | 14.5% | Dundee Central School District / 6,180 |
| 493. | 14.5% | Berne-Knox-Westerlo Central School District / 6,399 |
| 495. | 14.5% | Saranac Central School District / 13,785 |
| 495. | 14.5% | Chenango Valley Central School District / 12,440 |
| 497. | 14.5% | Avoca Central School District / 3,574 |
| 498. | 14.5% | Solvay Union Free School District / 9,799 |
| 499. | 14.5% | Akron Central School District / 9,715 |
| 500. | 14.4% | Romulus Central School District / 5,593 |
| 501. | 14.4% | Ballston Spa Central School District / 27,883 |
| 502. | 14.4% | Canajoharie Central School District / 6,327 |
| 503. | 14.3% | Sandy Creek Central School District / 5,751 |
| 504. | 14.3% | Cuba-Rushford Central School District / 6,280 |
| 505. | 14.3% | Clarence Central School District / 28,344 |
| 506. | 14.3% | Phelps-Clifton Springs Central School District / 11,226 |
| 507. | 14.2% | Marcellus Central School District / 10,632 |
| 508. | 14.2% | Alexander Central School District / 5,558 |
| 509. | 14.1% | Dryden Central School District / 12,972 |
| 509. | 14.1% | Liverpool Central School District / 50,839 |
| 511. | 14.0% | Canandaigua City School District / 26,377 |
| 512. | 13.9% | Spencerport Central School District / 24,015 |
| 513. | 13.9% | Belfast Central School District / 2,517 |
| 513. | 13.9% | Waterloo Central School District / 11,979 |
| 515. | 13.8% | Auburn City School District / 33,295 |
| 516. | 13.8% | Brighton Central School District / 23,578 |
| 516. | 13.8% | Sweet Home Central School District / 36,403 |
| 518. | 13.8% | Homer Central School District / 12,932 |
| 518. | 13.8% | East Irondequoit Central School District / 27,483 |
| 520. | 13.8% | Odessa-Montour Central School District / 5,501 |
| 521. | 13.7% | Le Roy Central School District / 8,306 |
| 522. | 13.6% | Waverly Central School District / 9,610 |
| 523. | 13.6% | Rush-Henrietta Central School District / 53,169 |
| 523. | 13.6% | Watkins Glen Central School District / 8,473 |
| 525. | 13.6% | South Colonie Central School District / 39,752 |
| 526. | 13.5% | Mechanicville City School District / 9,639 |
| 527. | 13.5% | Oxford Academy and Central School District / 5,289 |
| 528. | 13.5% | Chittenango Central School District / 13,615 |
| 528. | 13.5% | Westmoreland Central School District / 6,902 |
| 530. | 13.5% | Oakfield-Alabama Central School District / 5,575 |
| 531. | 13.5% | Newark Valley Central School District / 7,520 |
| 532. | 13.4% | Southwestern Central School District / 9,320 |
| 533. | 13.4% | Berlin Central School District / 6,656 |
| 534. | 13.4% | Waterford-Halfmoon Union Free School District / 5,700 |
| 534. | 13.4% | Beekmantown Central School District / 13,387 |
| 536. | 13.3% | Ogdensburg City School District / 11,237 |
| 536. | 13.3% | Bethlehem Central School District / 28,297 |
| 536. | 13.3% | Susquehanna Valley Central School District / 10,636 |
| 539. | 13.3% | Norwood-Norfolk Central School District / 6,677 |
| 540. | 13.3% | Johnstown City School District / 11,150 |
| 541. | 13.2% | AuSable Valley Central School District / 9,547 |
| 542. | 13.2% | Falconer Central School District / 7,902 |
| 543. | 13.2% | Franklin Central School District / 2,265 |
| 544. | 13.2% | Newfane Central School District / 10,267 |
| 544. | 13.2% | Willsboro Central School District / 2,468 |
| 546. | 13.2% | Letchworth Central School District / 6,255 |
| 547. | 13.1% | Hilton Central School District / 26,684 |
| 548. | 13.1% | Rome City School District / 38,627 |
| 548. | 13.1% | Clymer Central School District / 3,068 |
| 550. | 13.1% | Schuylerville Central School District / 9,916 |
| 550. | 13.1% | Pulaski Central School District / 5,748 |
| 550. | 13.1% | McGraw Central School District / 3,508 |
| 553. | 13.1% | Lewiston-Porter Central School District / 18,842 |
| 554. | 13.1% | Clinton Central School District / 12,050 |
| 555. | 13.1% | Lockport City School District / 35,389 |
| 556. | 13.0% | Cortland City School District / 24,412 |
| 557. | 13.0% | Norwich City School District / 13,285 |
| 557. | 13.0% | Gouverneur Central School District / 11,006 |
| 559. | 13.0% | Lake Pleasant Central School District / 815 |
| 560. | 12.9% | Heuvelton Central School District / 4,357 |
| 561. | 12.9% | Maine-Endwell Central School District / 16,096 |
| 561. | 12.9% | Massena Central School District / 17,351 |
| 561. | 12.9% | Cato-Meridian Central School District / 5,982 |
| 561. | 12.9% | Schodack Central School District / 6,185 |
| 565. | 12.9% | Fairport Central School District / 40,214 |
| 566. | 12.9% | North Greenbush Common School District / 1,810 |
| 567. | 12.9% | Canastota Central School District / 9,749 |
| 568. | 12.9% | Southern Cayuga Central School District / 6,545 |
| 569. | 12.8% | Kenmore-Tonawanda Union Free School District / 67,516 |
| 570. | 12.8% | Fayetteville-Manlius Central School District / 25,462 |
| 571. | 12.8% | Weedsport Central School District / 5,154 |
| 572. | 12.8% | West Genesee Central School District / 31,592 |
| 573. | 12.8% | Oriskany Central School District / 4,907 |
| 574. | 12.7% | South Glens Falls Central School District / 19,938 |
| 575. | 12.7% | Hornell City School District / 10,552 |
| 576. | 12.7% | Frewsburg Central School District / 4,840 |
| 577. | 12.6% | Williamsville Central School District / 74,522 |
| 577. | 12.6% | Elba Central School District / 2,809 |
| 577. | 12.6% | Stockbridge Valley Central School District / 3,070 |
| 580. | 12.6% | Wells Central School District / 1,255 |
| 581. | 12.6% | Brockport Central School District / 27,212 |
| 582. | 12.5% | Windsor Central School District / 11,182 |
| 582. | 12.5% | Marcus Whitman Central School District / 10,031 |
| 584. | 12.5% | Adirondack Central School District / 8,344 |
| 585. | 12.5% | Canisteo-Greenwood Central School District / 5,969 |
| 585. | 12.5% | Churchville-Chili Central School District / 27,523 |
| 587. | 12.5% | Trumansburg Central School District / 7,535 |
| 588. | 12.4% | East Aurora Union Free School District / 13,010 |
| 589. | 12.4% | Tonawanda City School District / 15,048 |
| 590. | 12.4% | Glens Falls Common School District / 2,361 |
| 591. | 12.4% | Broadalbin-Perth Central School District / 11,286 |
| 592. | 12.3% | Argyle Central School District / 4,026 |
| 592. | 12.3% | Allegany-Limestone Central School District / 9,265 |
| 592. | 12.3% | Starpoint Central School District / 18,462 |
| 595. | 12.2% | Niskayuna Central School District / 22,944 |
| 595. | 12.2% | Perry Central School District / 6,004 |
| 597. | 12.2% | Union Springs Central School District / 6,655 |
| 598. | 12.1% | North Syracuse Central School District / 60,246 |
| 599. | 12.1% | York Central School District / 5,188 |
| 600. | 12.1% | West Seneca Central School District / 54,218 |
| 601. | 12.0% | Jamesville-DeWitt Central School District / 18,742 |
| 601. | 12.0% | Lowville Academy and Central School District / 8,445 |
| 603. | 12.0% | Pavilion Central School District / 4,595 |
| 604. | 11.9% | Schalmont Central School District / 13,919 |
| 605. | 11.9% | South Jefferson Central School District / 11,436 |
| 606. | 11.8% | Forestville Central School District / 3,504 |
| 607. | 11.8% | North Tonawanda City School District / 31,245 |
| 608. | 11.8% | Manchester-Shortsville Central School District / 5,859 |
| 609. | 11.7% | Cassadaga Valley Central School District / 7,283 |
| 610. | 11.7% | Bloomfield Central School District / 6,612 |
| 611. | 11.7% | Albion Central School District / 15,053 |
| 612. | 11.6% | Oswego City School District / 33,128 |
| 613. | 11.6% | Williamson Central School District / 6,480 |
| 614. | 11.6% | Elmira Heights Central School District / 6,749 |
| 615. | 11.6% | Southold Union Free School District / 6,630 |
| 616. | 11.5% | Warsaw Central School District / 6,392 |
| 617. | 11.5% | Palmyra-Macedon Central School District / 12,603 |
| 618. | 11.5% | Iroquois Central School District / 17,694 |
| 619. | 11.4% | Lyons Central School District / 6,530 |
| 620. | 11.4% | Corning City School District / 34,681 |
| 621. | 11.4% | Vestal Central School District / 31,893 |
| 622. | 11.4% | Malone Central School District / 19,738 |
| 623. | 11.3% | Cleveland Hill Union Free School District / 11,266 |
| 624. | 11.2% | Moravia Central School District / 7,366 |
| 625. | 11.2% | Elmira City School District / 48,479 |
| 626. | 11.2% | Gowanda Central School District / 11,199 |
| 626. | 11.2% | East Rochester Union Free School District / 8,992 |
| 628. | 11.2% | Frontier Central School District / 36,471 |
| 629. | 11.1% | Dunkirk City School District / 13,712 |
| 630. | 11.1% | Pembroke Central School District / 6,914 |
| 631. | 11.1% | Union-Endicott Central School District / 30,543 |
| 632. | 11.1% | Peru Central School District / 12,781 |
| 633. | 11.0% | Groton Central School District / 5,937 |
| 634. | 11.0% | Shenendehowa Central School District / 64,209 |
| 635. | 11.0% | Herkimer Central School District / 10,050 |
| 636. | 11.0% | LaFayette Central School District / 4,947 |
| 637. | 10.9% | Baldwinsville Central School District / 35,697 |
| 638. | 10.9% | Mexico Central School District / 12,930 |
| 639. | 10.9% | Andover Central School District / 2,052 |
| 640. | 10.9% | Burnt Hills-Ballston Lake Central School District / 18,707 |
| 641. | 10.8% | Morristown Central School District / 2,953 |
| 642. | 10.7% | Plattsburgh City School District / 19,840 |
| 642. | 10.7% | Edmeston Central School District / 2,895 |
| 644. | 10.7% | Waterville Central School District / 5,806 |
| 645. | 10.6% | Clyde-Savannah Central School District / 4,843 |
| 646. | 10.5% | Lancaster Central School District / 40,800 |
| 646. | 10.5% | Orchard Park Central School District / 32,141 |
| 648. | 10.4% | Genesee Valley Central School District at Angelica-Belmont / 4,421 |
| 649. | 10.4% | Alden Central School District / 13,622 |
| 650. | 10.3% | Long Lake Central School District / 412 |
| 651. | 10.3% | North Collins Central School District / 4,092 |
| 651. | 10.3% | Beaver River Central School District / 5,475 |
| 653. | 10.3% | Northeastern Clinton Central School District / 8,604 |
| 654. | 10.3% | New York Mills Union Free School District / 5,117 |
| 655. | 10.3% | Amherst Central School District / 23,387 |
| 656. | 10.2% | Greene Central School District / 7,238 |
| 657. | 10.2% | New Hartford Central School District / 16,802 |
| 658. | 10.1% | Otego-Unadilla Central School District / 6,686 |
| 659. | 10.0% | Penfield Central School District / 32,417 |
| 660. | 9.9% | Portville Central School District / 4,734 |
| 661. | 9.8% | Geneva City School District / 17,666 |
| 662. | 9.6% | Binghamton Common School District / 429 |
| 663. | 9.5% | Westhill Central School District / 12,059 |
| 664. | 9.4% | Brookfield Central School District / 1,618 |
| 665. | 9.4% | Horseheads Central School District / 27,263 |
| 666. | 9.1% | Olean City School District / 15,511 |
| 667. | 9.0% | Wheatland-Chili Central School District / 5,953 |
| 668. | 8.8% | Duanesburg Central School District / 4,917 |
| 669. | 8.7% | Onondaga Central School District / 6,239 |
| 670. | 8.6% | Hamburg Central School District / 25,718 |
| 671. | 8.6% | Attica Central School District / 13,576 |
| 672. | 8.4% | Alfred-Almond Central School District / 7,597 |
| 673. | 8.3% | Byron-Bergen Central School District / 7,171 |
| 674. | 8.2% | Seneca Falls Central School District / 9,852 |
| 675. | 8.1% | Batavia City School District / 18,421 |
| 676. | 7.6% | Marion Central School District / 5,546 |
| 677. | 7.5% | Hamilton Central School District / 6,774 |
| 678. | 7.3% | Green Island Union Free School District / 2,612 |
| 679. | 7.0% | Name N/A / 15,077 |
| 680. | 6.4% | Barker Central School District / 4,962 |
| 681. | 3.7% | Mount Morris Central School District / 5,822 |
Please note that we only rank locations with 'Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income' data. The rank above might not be a complete list. Locations without 'Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income' data are not listed.
