| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 100.0% | Name N/A / 11,296 |
| 2. | 66.0% | Fire Island Union Free School District / 1,090 |
| 3. | 59.3% | Kiryas Joel Village Union Free School District / 20,761 |
| 4. | 53.9% | Wyandanch Union Free School District / 11,005 |
| 5. | 48.4% | Hempstead Union Free School District / 43,246 |
| 6. | 46.6% | Central Islip Union Free School District / 36,044 |
| 7. | 45.9% | Copiague Union Free School District / 31,520 |
| 8. | 45.0% | Springs Union Free School District / 7,302 |
| 9. | 44.8% | Brentwood Union Free School District / 80,867 |
| 10. | 43.3% | Uniondale Union Free School District / 41,443 |
| 11. | 43.1% | Roosevelt Union Free School District / 15,536 |
| 12. | 41.7% | Elmont Union Free School District / 51,603 |
| 13. | 41.2% | Minerva Central School District / 602 |
| 14. | 40.6% | Montauk Union Free School District / 3,258 |
| 15. | 40.6% | Sag Harbor Union Free School District / 7,213 |
| 16. | 38.8% | Southampton Union Free School District / 12,523 |
| 17. | 38.2% | Valley Stream Union Free School District 30 / 16,609 |
| 18. | 38.1% | Quogue Union Free School District / 979 |
| 19. | 37.7% | Cold Spring Harbor Central School District / 8,058 |
| 20. | 37.4% | Dover Union Free School District / 10,862 |
| 21. | 37.4% | East Islip Union Free School District / 26,053 |
| 22. | 36.9% | Great Neck Union Free School District / 44,953 |
| 23. | 36.8% | Westbury Union Free School District / 24,414 |
| 24. | 36.8% | Eldred Central School District / 4,734 |
| 25. | 36.7% | Sagaponack Common School District / 263 |
| 26. | 36.6% | Inlet Common School District / 425 |
| 27. | 36.5% | Port Chester-Rye Union Free School District / 31,027 |
| 28. | 36.3% | Valley Stream Union Free School District 13 / 29,659 |
| 29. | 36.2% | East Quogue Union Free School District / 5,021 |
| 29. | 36.2% | Deer Park Union Free School District / 26,767 |
| 31. | 36.2% | Elwood Union Free School District / 12,788 |
| 32. | 36.1% | Valley Stream Central High School District / 59,347 |
| 33. | 36.1% | East Williston Union Free School District / 9,213 |
| 34. | 35.9% | Carle Place Union Free School District / 9,955 |
| 35. | 35.9% | Mount Vernon City School District / 68,482 |
| 36. | 35.7% | Freeport Union Free School District / 41,341 |
| 37. | 35.5% | Hampton Bays Union Free School District / 13,464 |
| 38. | 35.5% | Hewlett-Woodmere Union Free School District / 19,982 |
| 38. | 35.5% | Lindenhurst Union Free School District / 43,623 |
| 40. | 35.3% | Jericho Union Free School District / 15,909 |
| 41. | 35.0% | Middle Country Central School District / 63,926 |
| 42. | 35.0% | West Babylon Union Free School District / 29,072 |
| 43. | 34.8% | New York City Department Of Education / 8,302,659 |
| 44. | 34.8% | Locust Valley Central School District / 16,288 |
| 45. | 34.7% | Remsenburg-Speonk Union Free School District / 1,358 |
| 46. | 34.6% | Rocky Point Union Free School District / 17,102 |
| 47. | 34.3% | East Ramapo Central School District / 100,363 |
| 48. | 34.2% | William Floyd Union Free School District / 51,117 |
| 49. | 34.1% | Island Park Union Free School District / 8,399 |
| 50. | 34.1% | Putnam Valley Central School District / 10,024 |
| 51. | 33.9% | Miller Place Union Free School District / 17,326 |
| 52. | 33.5% | Blind Brook-Rye Union Free School District / 6,427 |
| 53. | 33.4% | East Meadow Union Free School District / 51,884 |
| 54. | 33.4% | Half Hollow Hills Central School District / 48,074 |
| 55. | 33.4% | Lawrence Union Free School District / 35,964 |
| 56. | 33.3% | Manhasset Union Free School District / 16,842 |
| 57. | 33.3% | Peekskill City School District / 23,569 |
| 57. | 33.3% | Glen Cove City School District / 26,967 |
| 59. | 33.3% | North Babylon Union Free School District / 31,805 |
| 60. | 33.2% | Sewanhaka Central High School District / 118,792 |
| 61. | 33.1% | West Islip Union Free School District / 29,580 |
| 62. | 33.0% | Bay Shore Union Free School District / 36,331 |
| 63. | 33.0% | Amityville Union Free School District / 25,004 |
| 64. | 32.9% | Baldwin Union Free School District / 33,643 |
| 65. | 32.8% | Southold Union Free School District / 6,294 |
| 66. | 32.8% | Port Jervis City School District / 18,038 |
| 67. | 32.8% | Valley Stream Union Free School District 24 / 13,079 |
| 68. | 32.6% | Hunter-Tannersville Central School District / 3,659 |
| 68. | 32.6% | Harrison Central School District / 26,523 |
| 70. | 32.6% | Elmsford Union Free School District / 7,928 |
| 71. | 32.5% | Roslyn Union Free School District / 17,106 |
| 72. | 32.3% | Florida Union Free School District / 5,034 |
| 73. | 32.1% | Oysterponds Union Free School District / 2,077 |
| 73. | 32.1% | Franklin Square Union Free School District / 24,458 |
| 75. | 32.1% | Moriah Central School District / 4,558 |
| 76. | 32.1% | Lake Placid Central School District / 6,468 |
| 77. | 32.1% | Valhalla Union Free School District / 8,811 |
| 78. | 32.0% | Bridgehampton Union Free School District / 1,069 |
| 79. | 32.0% | Ellenville Central School District / 12,447 |
| 80. | 31.8% | Poughkeepsie City School District / 29,536 |
| 81. | 31.8% | Bayport-Blue Point Union Free School District / 15,010 |
| 82. | 31.6% | Lake Pleasant Central School District / 727 |
| 83. | 31.5% | Mahopac Central School District / 25,837 |
| 84. | 31.5% | Monticello Central School District / 20,976 |
| 85. | 31.5% | Haldane Central School District / 5,291 |
| 86. | 31.4% | Stamford Central School District / 2,542 |
| 87. | 31.3% | North Shore Central School District / 15,985 |
| 88. | 31.3% | Longwood Central School District / 63,690 |
| 89. | 31.2% | Margaretville Central School District / 4,075 |
| 90. | 31.2% | Name N/A / 250,241 |
| 91. | 31.2% | Name N/A / 597 |
| 92. | 31.1% | East Rockaway Union Free School District / 10,912 |
| 93. | 30.9% | East Moriches Union Free School District / 5,279 |
| 94. | 30.9% | Mount Sinai Union Free School District / 11,353 |
| 95. | 30.8% | Irvington Union Free School District / 9,937 |
| 96. | 30.8% | Huntington Union Free School District / 34,248 |
| 97. | 30.8% | Eastport-South Manor Central School District / 18,241 |
| 98. | 30.8% | Tuckahoe Union Free School District / 7,447 |
| 99. | 30.7% | Tri-Valley Central School District / 6,263 |
| 100. | 30.6% | Tuckahoe Common School District / 3,136 |
| 101. | 30.5% | Center Moriches Union Free School District / 7,944 |
| 102. | 30.4% | Prattsburgh Central School District / 2,658 |
| 103. | 30.4% | Seaford Union Free School District / 16,495 |
| 103. | 30.4% | Connetquot Central School District / 41,649 |
| 105. | 30.3% | Island Trees Union Free School District / 16,249 |
| 106. | 30.3% | Oyster Bay-East Norwich Central School District / 12,645 |
| 107. | 30.3% | Oceanside Union Free School District / 37,038 |
| 108. | 30.2% | Nyack Union Free School District / 24,771 |
| 109. | 30.2% | Hicksville Union Free School District / 40,946 |
| 110. | 30.1% | Long Beach City School District / 41,131 |
| 111. | 30.1% | Hinsdale Central School District / 2,568 |
| 112. | 29.8% | Salmon River Central School District / 5,957 |
| 113. | 29.8% | Sachem Central School District / 87,504 |
| 114. | 29.7% | East Hampton Union Free School District / 9,043 |
| 115. | 29.5% | Malverne Union Free School District / 14,680 |
| 116. | 29.4% | South Huntington Union Free School District / 38,229 |
| 117. | 29.4% | Cornwall Central School District / 16,379 |
| 117. | 29.4% | Plainedge Union Free School District / 20,698 |
| 119. | 29.3% | Bethpage Union Free School District / 20,579 |
| 120. | 29.2% | Garden City Union Free School District / 22,312 |
| 121. | 29.2% | Herricks Union Free School District / 25,104 |
| 122. | 29.1% | Rye Neck Union Free School District / 8,382 |
| 122. | 29.1% | Levittown Union Free School District / 47,224 |
| 122. | 29.1% | Haverstraw-Stony Point Central School District / 47,131 |
| 125. | 29.1% | Red Hook Central School District / 13,354 |
| 126. | 29.0% | South Orangetown Central School District / 19,219 |
| 127. | 28.9% | Lynbrook Union Free School District / 17,739 |
| 128. | 28.7% | Three Village Central School District / 47,462 |
| 129. | 28.4% | Onteora Central School District / 16,324 |
| 130. | 28.1% | Mount Pleasant Central School District / 13,142 |
| 131. | 28.1% | Brookhaven-Comsewogue Union Free School District / 23,586 |
| 132. | 28.0% | Farmingdale Union Free School District / 42,078 |
| 133. | 28.0% | Yorktown Central School District / 21,334 |
| 134. | 28.0% | Sayville Union Free School District / 18,422 |
| 134. | 28.0% | Brewster Central School District / 21,169 |
| 136. | 27.9% | South Country Central School District / 28,994 |
| 137. | 27.9% | Carmel Central School District / 31,367 |
| 138. | 27.9% | Mattituck-Cutchogue Union Free School District / 9,372 |
| 138. | 27.9% | White Plains City School District / 57,181 |
| 140. | 27.8% | Syosset Central School District / 35,394 |
| 140. | 27.8% | Greenport Union Free School District / 4,432 |
| 142. | 27.8% | Rondout Valley Central School District / 17,486 |
| 143. | 27.7% | Harborfields Central School District / 18,837 |
| 144. | 27.6% | Patchogue-Medford Union Free School District / 52,517 |
| 145. | 27.6% | Tuxedo Union Free School District / 2,929 |
| 145. | 27.6% | Pawling Central School District / 8,704 |
| 147. | 27.6% | Andes Central School District / 1,077 |
| 148. | 27.6% | Yonkers City School District / 199,055 |
| 149. | 27.6% | Pine Bush Central School District / 32,224 |
| 150. | 27.5% | West Hempstead Union Free School District / 17,045 |
| 151. | 27.5% | Newburgh City School District / 66,272 |
| 152. | 27.5% | Middletown City School District / 38,838 |
| 153. | 27.4% | Islip Union Free School District / 19,812 |
| 154. | 27.4% | Port Washington Union Free School District / 31,563 |
| 155. | 27.4% | Keene Central School District / 936 |
| 155. | 27.4% | Mineola Union Free School District / 23,429 |
| 157. | 27.4% | Webb Town Union Free School District / 2,043 |
| 158. | 27.3% | Amagansett Union Free School District / 1,086 |
| 159. | 27.3% | Garrison Union Free School District / 2,945 |
| 160. | 27.3% | Bellmore Union Free School District / 12,577 |
| 161. | 27.2% | Lakeland Central School District / 35,584 |
| 162. | 27.2% | Riverhead Central School District / 39,030 |
| 163. | 27.1% | Oppenheim-Ephratah Central School District / 2,810 |
| 164. | 27.0% | Germantown Central School District / 3,814 |
| 165. | 26.8% | Bolton Central School District / 2,161 |
| 166. | 26.8% | Pelham Union Free School District / 11,891 |
| 167. | 26.7% | Commack Union Free School District / 38,374 |
| 168. | 26.7% | Schroon Lake Central School District / 2,396 |
| 169. | 26.6% | Ossining Union Free School District / 33,137 |
| 170. | 26.5% | Roscoe Central School District / 1,914 |
| 171. | 26.4% | Schenectady City School District / 61,327 |
| 172. | 26.4% | Chester Union Free School District / 6,193 |
| 173. | 26.3% | Wallkill Central School District / 21,302 |
| 174. | 26.2% | Glens Falls Common School District / 2,251 |
| 175. | 26.2% | Wantagh Union Free School District / 17,187 |
| 176. | 26.2% | Croton-Harmon Union Free School District / 9,128 |
| 177. | 26.2% | North Merrick Union Free School District / 14,390 |
| 178. | 26.1% | Ramapo Central School District / 27,701 |
| 179. | 26.0% | Merrick Union Free School District / 18,213 |
| 180. | 25.7% | Massapequa Union Free School District / 49,168 |
| 181. | 25.7% | Milford Central School District / 3,304 |
| 182. | 25.6% | Westhampton Beach Union Free School District / 6,615 |
| 183. | 25.6% | Pleasantville Union Free School District / 8,130 |
| 184. | 25.4% | Smithtown Central School District / 58,386 |
| 185. | 25.4% | Ellicottville Central School District / 3,455 |
| 186. | 25.3% | Floral Park-Bellerose Union Free School District / 19,977 |
| 186. | 25.3% | Lyndonville Central School District / 4,261 |
| 188. | 25.1% | Northport-East Northport Union Free School District / 38,451 |
| 189. | 25.0% | Kings Park Central School District / 23,271 |
| 190. | 25.0% | New Rochelle City School District / 73,723 |
| 191. | 25.0% | Catskill Central School District / 12,298 |
| 192. | 25.0% | Bellmore-Merrick Central High School District / 72,102 |
| 192. | 25.0% | Pine Plains Central School District / 9,315 |
| 194. | 24.9% | Alexandria Central School District / 4,099 |
| 195. | 24.8% | St. Regis Falls Central School District / 2,086 |
| 196. | 24.8% | Ardsley Union Free School District / 10,480 |
| 197. | 24.7% | Hauppauge Union Free School District / 23,926 |
| 198. | 24.5% | North Salem Central School District / 7,285 |
| 199. | 24.5% | Dobbs Ferry Union Free School District / 9,210 |
| 200. | 24.4% | Coxsackie-Athens Central School District / 12,988 |
| 201. | 24.4% | Lake George Central School District / 6,747 |
| 202. | 24.3% | Mount Morris Central School District / 6,026 |
| 203. | 24.3% | Millbrook Central School District / 7,899 |
| 204. | 24.2% | Richfield Springs Central School District / 4,059 |
| 205. | 24.2% | Sullivan West Central School District / 11,153 |
| 206. | 24.2% | Hudson City School District / 16,019 |
| 207. | 24.2% | Greenburgh Central School District / 22,461 |
| 208. | 24.1% | Byram Hills Central School District / 11,656 |
| 209. | 24.1% | Port Jefferson Union Free School District / 8,102 |
| 210. | 24.0% | Fishers Island Union Free School District / 256 |
| 211. | 24.0% | Hoosick Falls Central School District / 8,031 |
| 212. | 24.0% | Fallsburg Central School District / 11,058 |
| 213. | 23.9% | Wappingers Central School District / 70,918 |
| 214. | 23.8% | Edgemont Union Free School District / 7,909 |
| 215. | 23.8% | Greenwood Lake Union Free School District / 6,626 |
| 216. | 23.8% | Mamaroneck Union Free School District / 28,585 |
| 216. | 23.8% | Highland Central School District / 11,850 |
| 218. | 23.8% | Laurens Central School District / 2,936 |
| 219. | 23.7% | Scarsdale Union Free School District / 18,201 |
| 220. | 23.7% | Valley Central School District / 28,237 |
| 221. | 23.5% | Rye City School District / 14,108 |
| 222. | 23.3% | New Lebanon Central School District / 4,359 |
| 223. | 23.2% | Edinburg Common School District / 1,510 |
| 224. | 23.2% | Babylon Union Free School District / 11,967 |
| 225. | 23.2% | South Seneca Central School District / 6,859 |
| 226. | 23.2% | Goshen Central School District / 18,306 |
| 227. | 23.1% | Gananda Central School District / 5,078 |
| 228. | 23.1% | New Hyde Park-Garden City Park Union Free School District / 22,754 |
| 229. | 23.1% | Katonah-Lewisboro Union Free School District / 19,114 |
| 230. | 23.1% | New Suffolk Common School District / 191 |
| 231. | 23.0% | East Rochester Union Free School District / 8,604 |
| 232. | 22.9% | Cairo-Durham Central School District / 9,884 |
| 233. | 22.9% | Clarkstown Central School District / 48,717 |
| 234. | 22.8% | Lisbon Central School District / 3,768 |
| 235. | 22.7% | Indian Lake Central School District / 1,294 |
| 236. | 22.7% | Rhinebeck Central School District / 11,450 |
| 237. | 22.7% | St. Johnsville Central School District / 3,111 |
| 238. | 22.6% | Northeast Central School District / 7,353 |
| 239. | 22.6% | LaFargeville Central School District / 3,201 |
| 240. | 22.6% | Washingtonville Central School District / 25,756 |
| 241. | 22.6% | Pulaski Central School District / 5,905 |
| 242. | 22.6% | Hartford Central School District / 3,035 |
| 243. | 22.5% | Johnsburg Central School District / 2,674 |
| 244. | 22.5% | North Bellmore Union Free School District / 26,922 |
| 245. | 22.4% | Mount Markham Central School District / 7,633 |
| 246. | 22.4% | New Paltz Central School District / 19,823 |
| 247. | 22.4% | Canaseraga Central School District / 1,751 |
| 248. | 22.3% | Windham-Ashland-Jewett Central School District / 3,051 |
| 249. | 22.3% | Somers Central School District / 19,297 |
| 250. | 22.3% | Greenville Central School District / 8,301 |
| 251. | 22.3% | Newfield Central School District / 5,458 |
| 252. | 22.3% | Saugerties Central School District / 20,578 |
| 253. | 22.2% | Plainview-Old Bethpage Central School District / 29,371 |
| 253. | 22.2% | Warwick Valley Central School District / 22,854 |
| 255. | 22.2% | Cooperstown Central School District / 6,777 |
| 256. | 22.1% | Chatham Central School District / 8,995 |
| 257. | 22.1% | Shoreham-Wading River Central School District / 14,689 |
| 258. | 22.0% | Cattaraugus-Little Valley Central School District / 6,692 |
| 259. | 22.0% | Sharon Springs Central School District / 2,096 |
| 260. | 22.0% | Sackets Harbor Central School District / 3,058 |
| 260. | 22.0% | The Tarrytowns Union Free School District / 19,413 |
| 262. | 21.9% | Cherry Valley-Springfield Central School District / 4,127 |
| 262. | 21.9% | Hammondsport Central School District / 4,377 |
| 264. | 21.7% | Perry Central School District / 5,838 |
| 265. | 21.7% | Springville-Griffith Institute Central School District / 13,885 |
| 266. | 21.7% | Pocantico Hills Central School District / 4,390 |
| 267. | 21.7% | Hyde Park Central School District / 31,111 |
| 268. | 21.6% | Piseco Common School District / 224 |
| 269. | 21.6% | Oxford Academy and Central School District / 5,639 |
| 270. | 21.6% | Granville Central School District / 7,412 |
| 271. | 21.5% | Albany City School District / 93,878 |
| 272. | 21.4% | Sherman Central School District / 3,262 |
| 273. | 21.3% | Brunswick Central School District (Brittonkill) / 8,891 |
| 273. | 21.3% | Monroe-Woodbury Central School District / 37,937 |
| 275. | 21.3% | Eastchester Union Free School District / 17,489 |
| 276. | 21.3% | Minisink Valley Central School District / 23,460 |
| 277. | 21.2% | Green Island Union Free School District / 2,523 |
| 278. | 21.2% | Highland Falls Central School District / 12,823 |
| 279. | 21.2% | Morris Central School District / 2,485 |
| 280. | 21.0% | Cincinnatus Central School District / 3,633 |
| 281. | 21.0% | Belfast Central School District / 2,262 |
| 282. | 21.0% | Queensbury Union Free School District / 21,479 |
| 283. | 21.0% | Hendrick Hudson Central School District / 15,617 |
| 284. | 21.0% | Nanuet Union Free School District / 13,313 |
| 285. | 20.9% | Long Lake Central School District / 672 |
| 286. | 20.9% | Waverly Central School District / 10,420 |
| 287. | 20.9% | Kingston City School District / 50,922 |
| 288. | 20.8% | Bronxville Union Free School District / 6,522 |
| 289. | 20.8% | Pearl River Union Free School District / 16,083 |
| 290. | 20.8% | Waterloo Central School District / 11,816 |
| 290. | 20.8% | Kendall Central School District / 5,171 |
| 292. | 20.8% | Bedford Central School District / 28,063 |
| 293. | 20.8% | Arlington Central School District / 58,948 |
| 294. | 20.8% | Roxbury Central School District / 2,587 |
| 295. | 20.6% | Chappaqua Central School District / 17,115 |
| 296. | 20.6% | North Warren Central School District / 4,960 |
| 297. | 20.5% | Greenwich Central School District / 6,972 |
| 298. | 20.4% | Unadilla Valley Central School District / 6,028 |
| 299. | 20.4% | Berlin Central School District / 6,446 |
| 299. | 20.4% | East Irondequoit Central School District / 26,569 |
| 301. | 20.3% | Sandy Creek Central School District / 5,793 |
| 301. | 20.3% | Ripley Central School District / 2,104 |
| 303. | 20.3% | Pembroke Central School District / 6,909 |
| 304. | 20.3% | Buffalo City School District / 273,335 |
| 305. | 20.2% | Canajoharie Central School District / 6,225 |
| 306. | 20.2% | Glens Falls City School District / 14,440 |
| 307. | 20.2% | Parishville-Hopkinton Central School District / 2,542 |
| 308. | 20.1% | Newfane Central School District / 10,335 |
| 309. | 20.0% | Thousand Islands Central School District / 8,081 |
| 310. | 20.0% | Afton Central School District / 4,342 |
| 311. | 20.0% | Cheektowaga Central School District / 21,853 |
| 311. | 20.0% | Marlboro Central School District / 11,682 |
| 313. | 19.9% | Livonia Central School District / 10,207 |
| 314. | 19.9% | Watervliet City School District / 10,606 |
| 315. | 19.9% | Oneida City School District / 15,017 |
| 316. | 19.9% | Brasher Falls Central School District / 5,697 |
| 317. | 19.8% | Delhi Central School District / 7,522 |
| 318. | 19.8% | Galway Central School District / 6,822 |
| 319. | 19.7% | Morristown Central School District / 2,992 |
| 320. | 19.7% | Rochester City School District / 208,015 |
| 321. | 19.7% | Medina Central School District / 10,608 |
| 322. | 19.7% | Canandaigua City School District / 24,537 |
| 323. | 19.6% | Le Roy Central School District / 8,129 |
| 324. | 19.5% | Bolivar-Richburg Central School District / 4,789 |
| 325. | 19.4% | Utica City School District / 58,232 |
| 326. | 19.4% | West Canada Valley Central School District / 4,743 |
| 327. | 19.4% | Fort Edward Union Free School District / 3,073 |
| 327. | 19.4% | South Lewis Central School District / 7,037 |
| 329. | 19.3% | Wilson Central School District / 8,407 |
| 330. | 19.2% | Heuvelton Central School District / 3,824 |
| 331. | 19.2% | Marathon Central School District / 4,453 |
| 332. | 19.2% | Niagara Falls City School District / 51,594 |
| 333. | 19.2% | Troy City School District / 37,313 |
| 334. | 19.1% | Marcus Whitman Central School District / 9,776 |
| 335. | 19.1% | Brushton-Moira Central School District / 4,804 |
| 336. | 19.1% | Jasper-Troupsburg Central School District / 3,087 |
| 337. | 19.0% | Hancock Central School District / 2,508 |
| 338. | 18.9% | Waterville Central School District / 6,213 |
| 339. | 18.9% | Warrensburg Central School District / 6,270 |
| 340. | 18.9% | Crown Point Central School District / 1,940 |
| 341. | 18.8% | DeRuyter Central School District / 2,676 |
| 342. | 18.8% | Spackenkill Union Free School District / 9,185 |
| 343. | 18.8% | Honeoye Central School District / 6,586 |
| 344. | 18.8% | Ithaca City School District / 64,675 |
| 345. | 18.8% | Panama Central School District / 3,397 |
| 346. | 18.7% | Wayland-Cohocton Central School District / 9,548 |
| 347. | 18.7% | Genesee Valley Central School District at Angelica-Belmont / 3,633 |
| 348. | 18.7% | Gates-Chili Central School District / 33,425 |
| 349. | 18.6% | Altmar-Parish-Williamstown Central School District / 7,579 |
| 349. | 18.6% | Salem Central School District / 3,864 |
| 351. | 18.6% | Hamilton Central School District / 6,287 |
| 352. | 18.5% | Rockville Centre Union Free School District / 22,596 |
| 353. | 18.5% | Hoosic Valley Central School District / 6,400 |
| 354. | 18.5% | Hannibal Central School District / 8,325 |
| 355. | 18.5% | Camden Central School District / 13,784 |
| 355. | 18.5% | Lansingburgh Central School District / 17,286 |
| 357. | 18.4% | Voorheesville Central School District / 7,791 |
| 358. | 18.4% | Syracuse City School District / 139,657 |
| 359. | 18.4% | Letchworth Central School District / 6,242 |
| 360. | 18.3% | Cortland City School District / 23,660 |
| 361. | 18.3% | Beacon City School District / 25,941 |
| 361. | 18.3% | Franklinville Central School District / 4,501 |
| 361. | 18.3% | Cleveland Hill Union Free School District / 11,140 |
| 364. | 18.2% | Eden Central School District / 9,827 |
| 365. | 18.1% | Fort Ann Central School District / 6,244 |
| 366. | 18.1% | Penn Yan Central School District / 15,200 |
| 367. | 18.1% | Randolph Central School District / 6,522 |
| 368. | 18.0% | Skaneateles Central School District / 9,312 |
| 369. | 18.0% | Lansing Central School District / 7,312 |
| 370. | 17.9% | Franklin Central School District / 2,267 |
| 370. | 17.9% | Gowanda Central School District / 12,348 |
| 372. | 17.9% | Hudson Falls Central School District / 14,616 |
| 373. | 17.9% | Phoenix Central School District / 11,805 |
| 374. | 17.9% | Gloversville City School District / 18,538 |
| 374. | 17.9% | Mechanicville City School District / 9,039 |
| 376. | 17.8% | Honeoye Falls-Lima Central School District / 13,517 |
| 377. | 17.8% | Lackawanna City School District / 17,746 |
| 378. | 17.7% | Fillmore Central School District / 5,313 |
| 379. | 17.7% | Geneseo Central School District / 11,116 |
| 380. | 17.6% | Webster Central School District / 53,326 |
| 381. | 17.6% | Tioga Central School District / 5,056 |
| 382. | 17.6% | Dansville Central School District / 9,798 |
| 383. | 17.6% | Campbell-Savona Central School District / 6,036 |
| 384. | 17.6% | Edmeston Central School District / 3,134 |
| 385. | 17.6% | Harrisville Central School District / 2,820 |
| 386. | 17.6% | Mexico Central School District / 12,289 |
| 387. | 17.5% | Andover Central School District / 2,759 |
| 388. | 17.5% | Bloomfield Central School District / 6,543 |
| 389. | 17.5% | Hastings-on-Hudson Union Free School District / 8,599 |
| 390. | 17.4% | Northeastern Clinton Central School District / 9,022 |
| 391. | 17.4% | Lyme Central School District / 2,629 |
| 392. | 17.3% | Brookfield Central School District / 1,043 |
| 393. | 17.3% | Attica Central School District / 13,214 |
| 394. | 17.3% | Westhill Central School District / 11,928 |
| 395. | 17.3% | Newark Valley Central School District / 7,678 |
| 395. | 17.3% | Clifton-Fine Central School District / 2,072 |
| 397. | 17.2% | Naples Central School District / 5,153 |
| 398. | 17.2% | Watertown City School District / 32,016 |
| 399. | 17.2% | Fort Plain Central School District / 5,551 |
| 400. | 17.2% | Lyons Central School District / 6,614 |
| 400. | 17.2% | Cuba-Rushford Central School District / 6,379 |
| 402. | 17.1% | Binghamton Common School District / 481 |
| 403. | 17.1% | Westfield Central School District / 5,260 |
| 404. | 17.1% | Beekmantown Central School District / 13,055 |
| 405. | 17.1% | Elizabethtown-Lewis Central School District / 2,470 |
| 406. | 17.0% | Cheektowaga-Sloan Union Free School District / 11,559 |
| 407. | 17.0% | Johnstown City School District / 11,209 |
| 408. | 17.0% | Liberty Central School District / 10,345 |
| 409. | 17.0% | Colton-Pierrepont Central School District / 2,580 |
| 410. | 17.0% | Elba Central School District / 2,759 |
| 411. | 16.9% | Palmyra-Macedon Central School District / 12,042 |
| 412. | 16.9% | Sidney Central School District / 7,243 |
| 412. | 16.9% | Middleburgh Central School District / 6,568 |
| 412. | 16.9% | Whitehall Central School District / 5,081 |
| 412. | 16.9% | Holley Central School District / 7,330 |
| 416. | 16.9% | Port Byron Central School District / 5,261 |
| 417. | 16.8% | Wainscott Common School District / 493 |
| 418. | 16.7% | Schodack Central School District / 7,417 |
| 418. | 16.7% | Peru Central School District / 12,524 |
| 420. | 16.6% | Taconic Hills Central School District / 11,758 |
| 421. | 16.6% | Briarcliff Manor Union Free School District / 7,912 |
| 422. | 16.5% | Hadley-Luzerne Central School District / 6,528 |
| 423. | 16.5% | North Rose-Wolcott Central School District / 8,745 |
| 424. | 16.5% | South Glens Falls Central School District / 19,081 |
| 424. | 16.5% | Lockport City School District / 35,975 |
| 424. | 16.5% | Poland Central School District / 3,938 |
| 427. | 16.4% | Dunkirk City School District / 13,896 |
| 428. | 16.4% | Morrisville-Eaton Central School District / 6,098 |
| 429. | 16.4% | Mohawk Central School District / 5,273 |
| 430. | 16.4% | Trumansburg Central School District / 7,452 |
| 431. | 16.3% | Maine-Endwell Central School District / 15,085 |
| 432. | 16.3% | Royalton-Hartland Central School District / 9,069 |
| 433. | 16.3% | Malone Central School District / 20,442 |
| 433. | 16.3% | Spencer-Van Etten Central School District / 5,621 |
| 435. | 16.3% | Burnt Hills-Ballston Lake Central School District / 18,107 |
| 436. | 16.3% | Waterford-Halfmoon Union Free School District / 6,074 |
| 437. | 16.3% | McGraw Central School District / 3,554 |
| 438. | 16.2% | Norwich City School District / 13,158 |
| 439. | 16.2% | Lewiston-Porter Central School District / 18,557 |
| 439. | 16.2% | Belleville Henderson Central School District / 4,062 |
| 439. | 16.2% | Kinderhook Central School District / 13,705 |
| 442. | 16.2% | AuSable Valley Central School District / 9,119 |
| 443. | 16.2% | Westport Central School District / 1,402 |
| 443. | 16.2% | Chautauqua Lake Central School District / 5,742 |
| 445. | 16.2% | Shelter Island Union Free School District / 2,705 |
| 446. | 16.2% | Menands Union Free School District / 3,327 |
| 447. | 16.2% | West Genesee Central School District / 30,355 |
| 447. | 16.2% | Moravia Central School District / 6,795 |
| 449. | 16.2% | Niagara-Wheatfield Central School District / 26,971 |
| 450. | 16.1% | Corinth Central School District / 7,415 |
| 451. | 16.1% | Watkins Glen Central School District / 8,532 |
| 452. | 16.1% | Byron-Bergen Central School District / 6,944 |
| 453. | 16.1% | Rome City School District / 39,874 |
| 454. | 16.0% | Forestville Central School District / 3,195 |
| 455. | 16.0% | Wheelerville Union Free School District / 1,678 |
| 456. | 16.0% | Frankfort-Schuyler Central School District / 6,991 |
| 456. | 16.0% | South Kortright Central School District / 2,458 |
| 458. | 15.9% | Chateaugay Central School District / 3,195 |
| 459. | 15.9% | Madison Central School District / 3,044 |
| 460. | 15.9% | Iroquois Central School District / 17,100 |
| 461. | 15.9% | Barker Central School District / 4,674 |
| 462. | 15.8% | Ravena-Coeymans-Selkirk Central School District / 15,006 |
| 463. | 15.8% | Tupper Lake Central School District / 6,186 |
| 464. | 15.8% | Downsville Central School District / 2,476 |
| 465. | 15.7% | Salamanca City School District / 7,810 |
| 466. | 15.7% | Onondaga Central School District / 6,103 |
| 467. | 15.7% | Rotterdam-Mohonasen Central School District / 21,114 |
| 468. | 15.7% | Beaver River Central School District / 5,396 |
| 468. | 15.7% | New Hartford Central School District / 15,970 |
| 470. | 15.6% | Gouverneur Central School District / 11,324 |
| 470. | 15.6% | Gilboa-Conesville Central School District / 2,513 |
| 472. | 15.6% | Cambridge Central School District / 6,661 |
| 473. | 15.6% | Greece Central School District / 79,974 |
| 474. | 15.6% | Putnam Central School District / 695 |
| 475. | 15.6% | Owego-Apalachin Central School District / 14,582 |
| 475. | 15.6% | Walton Central School District / 6,467 |
| 477. | 15.6% | Clarence Central School District / 25,040 |
| 478. | 15.5% | Caledonia-Mumford Central School District / 5,526 |
| 479. | 15.5% | Norwood-Norfolk Central School District / 6,790 |
| 479. | 15.5% | Shenendehowa Central School District / 60,657 |
| 481. | 15.5% | Schuylerville Central School District / 9,101 |
| 481. | 15.5% | Ticonderoga Central School District / 5,682 |
| 483. | 15.5% | Carthage Central School District / 15,728 |
| 484. | 15.5% | Potsdam Central School District / 15,104 |
| 485. | 15.4% | Johnson City Central School District / 19,583 |
| 486. | 15.4% | Clymer Central School District / 3,188 |
| 487. | 15.3% | Amsterdam City School District / 24,613 |
| 488. | 15.3% | Alden Central School District / 13,236 |
| 488. | 15.3% | Yorkshire-Pioneer Central School District / 16,229 |
| 490. | 15.3% | West Valley Central School District / 2,334 |
| 491. | 15.3% | Windsor Central School District / 10,046 |
| 491. | 15.3% | Herkimer Central School District / 9,391 |
| 493. | 15.3% | Romulus Central School District / 4,798 |
| 494. | 15.2% | Hilton Central School District / 25,261 |
| 495. | 15.2% | Churchville-Chili Central School District / 26,740 |
| 495. | 15.2% | East Greenbush Central School District / 28,689 |
| 497. | 15.2% | Pine Valley Central School District / 4,732 |
| 498. | 15.2% | Otego-Unadilla Central School District / 7,488 |
| 499. | 15.1% | Duanesburg Central School District / 5,081 |
| 500. | 15.0% | Hermon-DeKalb Central School District / 2,404 |
| 501. | 15.0% | Bradford Central School District / 2,684 |
| 502. | 14.9% | Jamesville-DeWitt Central School District / 16,499 |
| 503. | 14.9% | Susquehanna Valley Central School District / 11,184 |
| 504. | 14.9% | Spencerport Central School District / 24,546 |
| 505. | 14.9% | Frontier Central School District / 34,366 |
| 505. | 14.9% | Batavia City School District / 18,353 |
| 505. | 14.9% | Mayfield Central School District / 6,473 |
| 505. | 14.9% | Brockport Central School District / 26,587 |
| 509. | 14.8% | Kenmore-Tonawanda Union Free School District / 65,828 |
| 510. | 14.8% | Argyle Central School District / 3,792 |
| 511. | 14.8% | Binghamton City School District / 44,803 |
| 511. | 14.8% | Depew Union Free School District / 15,102 |
| 513. | 14.8% | Newark Central School District / 15,080 |
| 514. | 14.8% | Silver Creek Central School District / 6,638 |
| 514. | 14.8% | East Aurora Union Free School District / 12,539 |
| 516. | 14.8% | South Jefferson Central School District / 10,865 |
| 516. | 14.8% | Fonda-Fultonville Central School District / 8,379 |
| 518. | 14.8% | Evans-Brant Central School District / 17,965 |
| 519. | 14.7% | Fayetteville-Manlius Central School District / 24,681 |
| 520. | 14.7% | Broadalbin-Perth Central School District / 11,335 |
| 521. | 14.5% | LaFayette Central School District / 4,460 |
| 522. | 14.5% | Whitney Point Central School District / 9,036 |
| 523. | 14.5% | Cohoes City School District / 15,109 |
| 523. | 14.5% | Canton Central School District / 10,972 |
| 523. | 14.5% | Schenevus Central School District / 2,447 |
| 526. | 14.5% | Cassadaga Valley Central School District / 7,088 |
| 527. | 14.4% | Oneonta City School District / 18,929 |
| 528. | 14.4% | Albion Central School District / 15,780 |
| 528. | 14.4% | Southern Cayuga Central School District / 7,025 |
| 530. | 14.4% | Scotia-Glenville Central School District / 18,616 |
| 531. | 14.4% | Amherst Central School District / 23,262 |
| 532. | 14.3% | Stillwater Central School District / 7,581 |
| 533. | 14.3% | Greene Central School District / 6,944 |
| 534. | 14.3% | Oswego City School District / 32,976 |
| 535. | 14.2% | Williamson Central School District / 6,469 |
| 536. | 14.2% | Seneca Falls Central School District / 9,635 |
| 536. | 14.2% | Wayne Central School District / 14,738 |
| 538. | 14.2% | Central Square Central School District / 24,623 |
| 539. | 14.2% | Cheektowaga-Maryvale Union Free School District / 17,940 |
| 540. | 14.1% | Ogdensburg City School District / 12,137 |
| 541. | 14.1% | Ballston Spa Central School District / 26,188 |
| 541. | 14.1% | Marcellus Central School District / 10,399 |
| 541. | 14.1% | Pittsford Central School District / 32,631 |
| 544. | 14.1% | Corning City School District / 32,332 |
| 545. | 14.1% | Adirondack Central School District / 8,850 |
| 545. | 14.1% | Fredonia Central School District / 14,723 |
| 545. | 14.1% | Owen D. Young Central School District / 1,694 |
| 545. | 14.1% | Averill Park Central School District / 18,715 |
| 549. | 14.1% | Copenhagen Central School District / 2,419 |
| 550. | 14.0% | Avoca Central School District / 3,409 |
| 551. | 13.9% | Rush-Henrietta Central School District / 53,405 |
| 552. | 13.9% | Falconer Central School District / 7,278 |
| 553. | 13.9% | Chenango Valley Central School District / 12,749 |
| 553. | 13.9% | Brighton Central School District / 23,543 |
| 555. | 13.8% | Lowville Academy and Central School District / 8,293 |
| 556. | 13.8% | Red Creek Central School District / 6,759 |
| 557. | 13.7% | Hornell City School District / 10,501 |
| 558. | 13.7% | Bainbridge-Guilford Central School District / 5,098 |
| 558. | 13.7% | Fairport Central School District / 39,564 |
| 560. | 13.7% | East Syracuse-Minoa Central School District / 21,786 |
| 560. | 13.7% | Elmira City School District / 48,552 |
| 562. | 13.7% | Bethlehem Central School District / 26,790 |
| 563. | 13.7% | Southwestern Central School District / 9,327 |
| 564. | 13.6% | Schalmont Central School District / 14,043 |
| 565. | 13.6% | Deposit Central School District / 3,842 |
| 566. | 13.6% | North Tonawanda City School District / 31,362 |
| 567. | 13.6% | Berne-Knox-Westerlo Central School District / 6,568 |
| 568. | 13.6% | Sodus Central School District / 7,859 |
| 569. | 13.6% | Canisteo-Greenwood Central School District / 5,938 |
| 570. | 13.5% | Chittenango Central School District / 13,534 |
| 571. | 13.5% | Northern Adirondack Central School District / 6,385 |
| 571. | 13.5% | Madrid-Waddington Central School District / 4,115 |
| 573. | 13.4% | Fulton City School District / 20,076 |
| 573. | 13.4% | Stockbridge Valley Central School District / 3,100 |
| 575. | 13.4% | Worcester Central School District / 2,744 |
| 575. | 13.4% | Clyde-Savannah Central School District / 5,304 |
| 577. | 13.4% | Geneva City School District / 17,497 |
| 578. | 13.3% | General Brown Central School District / 8,624 |
| 579. | 13.3% | Guilderland Central School District / 35,101 |
| 580. | 13.3% | Dolgeville Central School District / 4,998 |
| 581. | 13.2% | Keshequa Central School District / 4,897 |
| 581. | 13.2% | Brocton Central School District / 4,984 |
| 583. | 13.2% | North Greenbush Common School District / 1,746 |
| 584. | 13.2% | Saratoga Springs City School District / 51,429 |
| 584. | 13.2% | West Irondequoit Central School District / 23,596 |
| 584. | 13.2% | Homer Central School District / 12,501 |
| 587. | 13.1% | Akron Central School District / 9,522 |
| 588. | 13.1% | Addison Central School District / 7,219 |
| 588. | 13.1% | Baldwinsville Central School District / 33,827 |
| 590. | 13.0% | Massena Central School District / 16,784 |
| 591. | 13.0% | Victor Central School District / 19,701 |
| 592. | 13.0% | Cobleskill-Richmondville Central School District / 13,155 |
| 593. | 13.0% | Tonawanda City School District / 14,949 |
| 594. | 12.9% | Groton Central School District / 6,233 |
| 595. | 12.9% | Holland Central School District / 6,972 |
| 596. | 12.9% | Manchester-Shortsville Central School District / 5,894 |
| 597. | 12.8% | Warsaw Central School District / 6,511 |
| 598. | 12.8% | Bemus Point Central School District / 5,363 |
| 599. | 12.8% | Name N/A / 37,559 |
| 600. | 12.7% | Sherrill City School District / 12,744 |
| 601. | 12.7% | Alexander Central School District / 5,221 |
| 602. | 12.7% | Wyoming Central School District / 1,902 |
| 603. | 12.7% | Remsen Central School District / 3,248 |
| 603. | 12.7% | Horseheads Central School District / 26,638 |
| 605. | 12.6% | Auburn City School District / 33,331 |
| 606. | 12.6% | Williamsville Central School District / 69,040 |
| 607. | 12.5% | Jamestown City School District / 31,113 |
| 608. | 12.5% | Pavilion Central School District / 4,681 |
| 609. | 12.4% | Saranac Central School District / 14,519 |
| 609. | 12.4% | Saranac Lake Central School District / 13,073 |
| 611. | 12.3% | Sherburne-Earlville Central School District / 9,053 |
| 612. | 12.3% | Avon Central School District / 6,615 |
| 613. | 12.2% | Edwards-Knox Central School District / 2,889 |
| 614. | 12.2% | Odessa-Montour Central School District / 5,485 |
| 615. | 12.2% | Wellsville Central School District / 9,095 |
| 616. | 12.2% | Holland Patent Central School District / 8,871 |
| 617. | 12.1% | Chenango Forks Central School District / 9,156 |
| 618. | 12.0% | Cazenovia Central School District / 10,497 |
| 618. | 12.0% | Northville Central School District / 2,987 |
| 620. | 12.0% | Solvay Union Free School District / 9,776 |
| 620. | 12.0% | Georgetown-South Otselic Central School District / 2,645 |
| 622. | 11.9% | Candor Central School District / 5,118 |
| 622. | 11.9% | Clinton Central School District / 11,693 |
| 624. | 11.9% | Oakfield-Alabama Central School District / 5,052 |
| 625. | 11.8% | Dryden Central School District / 12,492 |
| 626. | 11.7% | North Syracuse Central School District / 57,844 |
| 627. | 11.6% | Orchard Park Central School District / 32,527 |
| 628. | 11.6% | South Colonie Central School District / 40,774 |
| 629. | 11.6% | Lancaster Central School District / 40,605 |
| 630. | 11.6% | Allegany-Limestone Central School District / 9,470 |
| 631. | 11.5% | Lyncourt Union Free School District / 3,789 |
| 632. | 11.5% | Union-Endicott Central School District / 30,177 |
| 633. | 11.5% | Dundee Central School District / 6,268 |
| 634. | 11.3% | York Central School District / 4,939 |
| 635. | 11.3% | Sauquoit Valley Central School District / 6,524 |
| 636. | 11.3% | Whitesboro Central School District / 26,651 |
| 637. | 11.2% | Sweet Home Central School District / 34,145 |
| 638. | 11.2% | Friendship Central School District / 2,160 |
| 639. | 11.1% | Charlotte Valley Central School District / 3,191 |
| 640. | 11.1% | Cato-Meridian Central School District / 6,739 |
| 641. | 11.1% | Jefferson Central School District / 1,966 |
| 642. | 11.1% | Little Falls City School District / 7,100 |
| 643. | 11.0% | West Seneca Central School District / 52,715 |
| 643. | 11.0% | Grand Island Central School District / 18,879 |
| 645. | 11.0% | Oriskany Central School District / 4,524 |
| 646. | 10.9% | Canastota Central School District / 9,918 |
| 647. | 10.9% | Indian River Central School District / 13,935 |
| 647. | 10.9% | Schoharie Central School District / 7,356 |
| 649. | 10.9% | Penfield Central School District / 30,568 |
| 650. | 10.8% | Fabius-Pompey Central School District / 5,287 |
| 651. | 10.7% | Niskayuna Central School District / 23,039 |
| 652. | 10.6% | Chazy Union Free School District / 3,065 |
| 653. | 10.6% | Bath Central School District / 10,815 |
| 654. | 10.5% | Olean City School District / 15,672 |
| 655. | 10.5% | Union Springs Central School District / 6,028 |
| 656. | 10.5% | Jordan-Elbridge Central School District / 8,637 |
| 657. | 10.4% | Hamburg Central School District / 24,690 |
| 658. | 10.4% | Marion Central School District / 6,161 |
| 659. | 10.1% | Liverpool Central School District / 50,633 |
| 660. | 10.1% | Livingston Manor Central School District / 3,535 |
| 661. | 10.0% | Tully Central School District / 6,103 |
| 662. | 9.8% | Willsboro Central School District / 2,253 |
| 663. | 9.8% | Gilbertsville-Mount Upton Central School District / 2,957 |
| 664. | 9.6% | Arkport Central School District / 2,888 |
| 665. | 9.5% | Harpursville Central School District / 5,874 |
| 666. | 9.5% | Wells Central School District / 1,147 |
| 667. | 9.3% | Frewsburg Central School District / 4,908 |
| 668. | 9.2% | Hammond Central School District / 1,821 |
| 669. | 9.2% | Scio Central School District / 2,264 |
| 670. | 9.0% | Vestal Central School District / 31,209 |
| 671. | 8.9% | Rensselaer City School District / 7,838 |
| 672. | 8.6% | North Collins Central School District / 4,077 |
| 672. | 8.6% | Starpoint Central School District / 16,646 |
| 674. | 8.5% | Plattsburgh City School District / 18,945 |
| 675. | 8.2% | Westmoreland Central School District / 6,010 |
| 676. | 8.0% | Ilion Central School District / 9,263 |
| 677. | 7.8% | Weedsport Central School District / 5,887 |
| 678. | 7.7% | Elmira Heights Central School District / 7,088 |
| 679. | 7.7% | Whitesville Central School District / 1,016 |
| 680. | 7.3% | Alfred-Almond Central School District / 8,041 |
| 681. | 7.1% | Portville Central School District / 4,925 |
| 682. | 6.9% | New York Mills Union Free School District / 5,613 |
| 683. | 6.5% | Wheatland-Chili Central School District / 5,851 |
| 684. | 5.7% | Phelps-Clifton Springs Central School District / 11,421 |
| 685. | 4.6% | Newcomb Central School District / 396 |
| 686. | 3.4% | Wynantskill Union Free School District / 3,698 |
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.
*ACS stands for U.S. Census American Community Survey. According to the U.S. Census, if the date is a range, you can interpret the data as an average of the period of time.
