| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 10-20% of Owner Income ▼ | School District / Population |
| 1. | 63.9% | Menands Union Free School District / 3,596 |
| 2. | 63.8% | Glens Falls Common School District / 2,278 |
| 3. | 62.3% | Quogue Union Free School District / 808 |
| 4. | 56.0% | Pulaski Central School District / 5,947 |
| 5. | 54.7% | Sagaponack Common School District / 235 |
| 6. | 54.3% | Avon Central School District / 7,268 |
| 7. | 52.3% | Copenhagen Central School District / 2,373 |
| 8. | 51.9% | Owen D. Young Central School District / 1,776 |
| 9. | 51.5% | Edgemont Union Free School District / 7,595 |
| 10. | 51.0% | Lyncourt Union Free School District / 3,906 |
| 11. | 50.8% | North Collins Central School District / 4,204 |
| 12. | 50.8% | Norwood-Norfolk Central School District / 6,963 |
| 13. | 50.5% | Fort Edward Union Free School District / 3,379 |
| 14. | 50.0% | Long Lake Central School District / 642 |
| 15. | 49.2% | Scio Central School District / 2,328 |
| 16. | 49.1% | Wynantskill Union Free School District / 3,704 |
| 17. | 48.8% | Webb Town Union Free School District / 1,979 |
| 18. | 48.5% | Rocky Point Union Free School District / 17,233 |
| 19. | 48.3% | New Paltz Central School District / 19,643 |
| 20. | 47.4% | LaFargeville Central School District / 3,255 |
| 21. | 46.6% | Ticonderoga Central School District / 5,825 |
| 22. | 46.3% | Franklinville Central School District / 4,484 |
| 23. | 46.1% | Canisteo-Greenwood Central School District / 5,684 |
| 24. | 46.0% | Tuckahoe Union Free School District / 7,678 |
| 25. | 45.9% | Greenwich Central School District / 6,826 |
| 26. | 45.8% | McGraw Central School District / 3,483 |
| 27. | 45.7% | Evans-Brant Central School District / 17,569 |
| 28. | 45.4% | Greenwood Lake Union Free School District / 6,388 |
| 28. | 45.4% | Oriskany Central School District / 4,778 |
| 30. | 45.3% | Crown Point Central School District / 2,082 |
| 31. | 45.3% | Wheatland-Chili Central School District / 5,612 |
| 32. | 45.2% | Schenevus Central School District / 2,233 |
| 33. | 45.0% | Palmyra-Macedon Central School District / 12,493 |
| 34. | 44.7% | Cooperstown Central School District / 6,846 |
| 34. | 44.7% | Roscoe Central School District / 1,889 |
| 36. | 44.5% | Honeoye Falls-Lima Central School District / 13,554 |
| 36. | 44.5% | Goshen Central School District / 18,440 |
| 38. | 44.3% | General Brown Central School District / 8,710 |
| 39. | 44.3% | Carthage Central School District / 15,491 |
| 40. | 44.2% | St. Regis Falls Central School District / 2,071 |
| 41. | 44.1% | Sauquoit Valley Central School District / 6,172 |
| 42. | 44.1% | Akron Central School District / 10,009 |
| 43. | 43.9% | Andover Central School District / 2,528 |
| 44. | 43.8% | Oakfield-Alabama Central School District / 5,290 |
| 45. | 43.7% | Voorheesville Central School District / 7,664 |
| 46. | 43.7% | Brookhaven-Comsewogue Union Free School District / 23,830 |
| 47. | 43.7% | Wayne Central School District / 14,892 |
| 48. | 43.6% | Newfane Central School District / 10,451 |
| 49. | 43.6% | Manchester-Shortsville Central School District / 6,283 |
| 50. | 43.5% | Perry Central School District / 5,801 |
| 51. | 43.5% | Byron-Bergen Central School District / 7,107 |
| 51. | 43.5% | Waterford-Halfmoon Union Free School District / 5,703 |
| 53. | 43.4% | Olean City School District / 15,947 |
| 54. | 43.3% | Schalmont Central School District / 13,919 |
| 55. | 43.2% | Ellicottville Central School District / 3,246 |
| 56. | 43.1% | Middleburgh Central School District / 6,563 |
| 57. | 43.0% | Brushton-Moira Central School District / 4,955 |
| 58. | 43.0% | Caledonia-Mumford Central School District / 5,590 |
| 59. | 42.7% | Cincinnatus Central School District / 3,453 |
| 60. | 42.6% | Holland Central School District / 6,412 |
| 61. | 42.6% | Glens Falls City School District / 15,213 |
| 62. | 42.6% | Willsboro Central School District / 2,322 |
| 63. | 42.5% | North Tonawanda City School District / 31,716 |
| 64. | 42.3% | Gates-Chili Central School District / 33,331 |
| 65. | 42.3% | Depew Union Free School District / 15,481 |
| 66. | 42.2% | Lackawanna City School District / 18,239 |
| 67. | 42.2% | Carle Place Union Free School District / 9,803 |
| 68. | 42.1% | Spackenkill Union Free School District / 8,982 |
| 69. | 42.0% | Southwestern Central School District / 9,060 |
| 69. | 42.0% | Mount Markham Central School District / 7,487 |
| 71. | 42.0% | Mount Morris Central School District / 6,113 |
| 72. | 42.0% | Cattaraugus-Little Valley Central School District / 6,790 |
| 73. | 41.9% | Clinton Central School District / 12,223 |
| 73. | 41.9% | Hadley-Luzerne Central School District / 6,478 |
| 75. | 41.8% | Waterville Central School District / 5,937 |
| 75. | 41.8% | Marcus Whitman Central School District / 10,318 |
| 77. | 41.8% | Springville-Griffith Institute Central School District / 13,795 |
| 78. | 41.8% | Chittenango Central School District / 13,867 |
| 79. | 41.7% | Otego-Unadilla Central School District / 7,403 |
| 80. | 41.7% | Lowville Academy and Central School District / 8,632 |
| 81. | 41.6% | Port Byron Central School District / 5,331 |
| 81. | 41.6% | Marion Central School District / 5,915 |
| 83. | 41.6% | Cuba-Rushford Central School District / 6,295 |
| 84. | 41.5% | Peru Central School District / 12,666 |
| 85. | 41.5% | Schoharie Central School District / 7,336 |
| 86. | 41.4% | Hudson City School District / 16,265 |
| 87. | 41.4% | Duanesburg Central School District / 4,910 |
| 88. | 41.4% | Fulton City School District / 20,338 |
| 89. | 41.4% | Cheektowaga Central School District / 21,382 |
| 90. | 41.3% | Fabius-Pompey Central School District / 4,883 |
| 91. | 41.3% | Tuxedo Union Free School District / 2,648 |
| 92. | 41.3% | Newark Central School District / 15,231 |
| 93. | 41.2% | Lyme Central School District / 2,377 |
| 94. | 41.2% | North Salem Central School District / 7,183 |
| 95. | 41.1% | South Seneca Central School District / 6,841 |
| 96. | 41.0% | Altmar-Parish-Williamstown Central School District / 7,442 |
| 97. | 40.9% | Brockport Central School District / 27,105 |
| 97. | 40.9% | Hannibal Central School District / 7,850 |
| 99. | 40.9% | Fallsburg Central School District / 11,161 |
| 100. | 40.7% | Clarence Central School District / 26,589 |
| 101. | 40.7% | Corinth Central School District / 7,501 |
| 102. | 40.7% | Roxbury Central School District / 2,551 |
| 103. | 40.7% | Keshequa Central School District / 5,251 |
| 104. | 40.7% | Le Roy Central School District / 8,314 |
| 105. | 40.6% | Hudson Falls Central School District / 14,783 |
| 105. | 40.6% | Lyndonville Central School District / 4,387 |
| 107. | 40.6% | Chateaugay Central School District / 3,223 |
| 108. | 40.5% | Pavilion Central School District / 4,601 |
| 109. | 40.4% | North Rose-Wolcott Central School District / 8,838 |
| 110. | 40.4% | Bethlehem Central School District / 27,715 |
| 111. | 40.4% | Morris Central School District / 2,467 |
| 112. | 40.4% | Richfield Springs Central School District / 3,908 |
| 113. | 40.3% | Hammondsport Central School District / 4,202 |
| 114. | 40.3% | Niagara-Wheatfield Central School District / 27,385 |
| 115. | 40.3% | Batavia City School District / 18,614 |
| 116. | 40.3% | Sharon Springs Central School District / 1,883 |
| 117. | 40.2% | Fayetteville-Manlius Central School District / 24,810 |
| 118. | 40.2% | Johnson City Central School District / 20,235 |
| 119. | 40.2% | Troy City School District / 38,708 |
| 120. | 40.1% | Westhill Central School District / 12,083 |
| 121. | 40.1% | Churchville-Chili Central School District / 27,174 |
| 122. | 40.1% | Cambridge Central School District / 6,734 |
| 123. | 40.0% | Oppenheim-Ephratah Central School District / 2,493 |
| 124. | 39.9% | Brentwood Union Free School District / 82,884 |
| 125. | 39.9% | Pine Bush Central School District / 33,041 |
| 125. | 39.9% | Eden Central School District / 10,149 |
| 127. | 39.9% | Hunter-Tannersville Central School District / 3,722 |
| 128. | 39.8% | Dryden Central School District / 12,128 |
| 129. | 39.8% | Sullivan West Central School District / 11,021 |
| 130. | 39.8% | Geneva City School District / 17,502 |
| 131. | 39.7% | Guilderland Central School District / 35,963 |
| 132. | 39.7% | East Moriches Union Free School District / 5,221 |
| 133. | 39.7% | Sachem Central School District / 84,363 |
| 134. | 39.7% | Cornwall Central School District / 17,002 |
| 135. | 39.6% | Phoenix Central School District / 11,578 |
| 136. | 39.5% | Rotterdam-Mohonasen Central School District / 20,603 |
| 137. | 39.5% | Westbury Union Free School District / 24,719 |
| 137. | 39.5% | Lancaster Central School District / 39,888 |
| 139. | 39.4% | Cato-Meridian Central School District / 6,868 |
| 140. | 39.3% | Marlboro Central School District / 12,226 |
| 141. | 39.3% | Ripley Central School District / 1,607 |
| 142. | 39.2% | Port Jefferson Union Free School District / 8,061 |
| 143. | 39.2% | Highland Falls Central School District / 12,636 |
| 143. | 39.2% | Hoosic Valley Central School District / 6,488 |
| 143. | 39.2% | Ballston Spa Central School District / 27,347 |
| 146. | 39.1% | Greece Central School District / 81,656 |
| 146. | 39.1% | Groton Central School District / 6,149 |
| 148. | 39.1% | Minisink Valley Central School District / 22,997 |
| 149. | 39.1% | Remsen Central School District / 3,170 |
| 149. | 39.1% | Spencerport Central School District / 23,878 |
| 151. | 39.0% | Portville Central School District / 4,869 |
| 151. | 39.0% | Sherrill City School District / 12,216 |
| 153. | 39.0% | Warwick Valley Central School District / 23,153 |
| 154. | 39.0% | Clyde-Savannah Central School District / 5,336 |
| 155. | 39.0% | Owego-Apalachin Central School District / 15,168 |
| 155. | 39.0% | Holland Patent Central School District / 8,926 |
| 157. | 38.9% | Nanuet Union Free School District / 13,611 |
| 158. | 38.8% | Tioga Central School District / 5,021 |
| 159. | 38.8% | Gowanda Central School District / 12,287 |
| 160. | 38.8% | Johnsburg Central School District / 2,258 |
| 161. | 38.8% | Hauppauge Union Free School District / 23,120 |
| 162. | 38.6% | Jamestown City School District / 32,750 |
| 162. | 38.6% | Moriah Central School District / 4,846 |
| 164. | 38.6% | Union-Endicott Central School District / 31,562 |
| 165. | 38.5% | Hilton Central School District / 26,048 |
| 166. | 38.5% | Westmoreland Central School District / 6,042 |
| 167. | 38.4% | Newark Valley Central School District / 7,615 |
| 168. | 38.4% | Lansingburgh Central School District / 18,543 |
| 169. | 38.4% | Bradford Central School District / 2,480 |
| 170. | 38.4% | Bemus Point Central School District / 5,117 |
| 171. | 38.4% | Alfred-Almond Central School District / 7,468 |
| 172. | 38.3% | Canajoharie Central School District / 6,348 |
| 173. | 38.3% | North Greenbush Common School District / 1,736 |
| 174. | 38.2% | Uniondale Union Free School District / 41,921 |
| 174. | 38.2% | Middletown City School District / 40,414 |
| 176. | 38.2% | Massena Central School District / 17,403 |
| 177. | 38.2% | Windham-Ashland-Jewett Central School District / 3,067 |
| 178. | 38.2% | Gloversville City School District / 19,621 |
| 178. | 38.2% | Burnt Hills-Ballston Lake Central School District / 18,557 |
| 180. | 38.2% | Red Creek Central School District / 6,736 |
| 181. | 38.1% | Seneca Falls Central School District / 9,811 |
| 182. | 38.1% | East Rochester Union Free School District / 8,881 |
| 182. | 38.1% | Vestal Central School District / 32,051 |
| 184. | 38.1% | Hampton Bays Union Free School District / 12,856 |
| 185. | 38.1% | Haverstraw-Stony Point Central School District / 46,952 |
| 186. | 38.0% | Thousand Islands Central School District / 7,939 |
| 187. | 38.0% | Fairport Central School District / 40,059 |
| 188. | 37.9% | Morristown Central School District / 3,430 |
| 189. | 37.9% | Lyons Central School District / 7,000 |
| 190. | 37.8% | Utica City School District / 61,922 |
| 191. | 37.8% | Oxford Academy and Central School District / 5,579 |
| 192. | 37.7% | West Seneca Central School District / 54,106 |
| 193. | 37.7% | Waterloo Central School District / 12,351 |
| 194. | 37.7% | Livonia Central School District / 10,648 |
| 195. | 37.7% | Saranac Central School District / 14,324 |
| 195. | 37.7% | Cheektowaga-Sloan Union Free School District / 11,861 |
| 197. | 37.7% | Chenango Valley Central School District / 12,819 |
| 198. | 37.7% | Amherst Central School District / 24,522 |
| 199. | 37.6% | Wellsville Central School District / 9,219 |
| 200. | 37.6% | Schuylerville Central School District / 9,144 |
| 201. | 37.6% | Cheektowaga-Maryvale Union Free School District / 19,036 |
| 202. | 37.5% | York Central School District / 5,157 |
| 203. | 37.5% | Rondout Valley Central School District / 16,974 |
| 204. | 37.5% | Cazenovia Central School District / 10,781 |
| 205. | 37.5% | East Williston Union Free School District / 8,479 |
| 206. | 37.4% | Sidney Central School District / 7,430 |
| 207. | 37.4% | Letchworth Central School District / 6,470 |
| 208. | 37.4% | Pawling Central School District / 8,718 |
| 209. | 37.4% | New Hyde Park-Garden City Park Union Free School District / 22,417 |
| 209. | 37.4% | Florida Union Free School District / 4,753 |
| 211. | 37.4% | Kings Park Central School District / 22,873 |
| 212. | 37.3% | Hyde Park Central School District / 32,806 |
| 213. | 37.3% | Tonawanda City School District / 15,249 |
| 214. | 37.3% | Brewster Central School District / 21,474 |
| 215. | 37.3% | Orchard Park Central School District / 32,354 |
| 215. | 37.3% | Half Hollow Hills Central School District / 48,481 |
| 217. | 37.2% | Frewsburg Central School District / 5,033 |
| 218. | 37.1% | Marathon Central School District / 4,545 |
| 219. | 37.1% | Williamsville Central School District / 71,888 |
| 220. | 37.1% | Onondaga Central School District / 6,345 |
| 221. | 37.1% | Geneseo Central School District / 11,194 |
| 222. | 37.1% | Manhasset Union Free School District / 16,711 |
| 223. | 37.0% | Brunswick Central School District (Brittonkill) / 8,440 |
| 224. | 37.0% | North Bellmore Union Free School District / 26,004 |
| 224. | 37.0% | Averill Park Central School District / 18,967 |
| 226. | 36.9% | Alden Central School District / 13,486 |
| 227. | 36.9% | South Lewis Central School District / 6,757 |
| 228. | 36.9% | Baldwinsville Central School District / 34,573 |
| 229. | 36.8% | Mohawk Central School District / 5,447 |
| 230. | 36.8% | Clymer Central School District / 3,067 |
| 231. | 36.8% | Monticello Central School District / 21,480 |
| 232. | 36.8% | Indian Lake Central School District / 1,327 |
| 233. | 36.8% | Fonda-Fultonville Central School District / 8,616 |
| 233. | 36.8% | Oswego City School District / 33,712 |
| 235. | 36.7% | Alexandria Central School District / 3,851 |
| 236. | 36.7% | Cairo-Durham Central School District / 9,774 |
| 237. | 36.7% | Avoca Central School District / 3,312 |
| 238. | 36.7% | Canton Central School District / 11,563 |
| 239. | 36.6% | Valley Central School District / 26,564 |
| 239. | 36.6% | Middle Country Central School District / 63,461 |
| 239. | 36.6% | Dover Union Free School District / 10,336 |
| 242. | 36.6% | Panama Central School District / 3,633 |
| 243. | 36.6% | Kinderhook Central School District / 13,584 |
| 244. | 36.5% | Smithtown Central School District / 56,722 |
| 245. | 36.5% | East Rockaway Union Free School District / 10,258 |
| 246. | 36.5% | Jamesville-DeWitt Central School District / 17,794 |
| 247. | 36.5% | Ravena-Coeymans-Selkirk Central School District / 13,738 |
| 248. | 36.4% | Syracuse City School District / 144,879 |
| 248. | 36.4% | Mexico Central School District / 12,375 |
| 250. | 36.4% | East Quogue Union Free School District / 4,683 |
| 251. | 36.4% | Silver Creek Central School District / 6,483 |
| 252. | 36.4% | Whitesboro Central School District / 26,575 |
| 253. | 36.4% | Schenectady City School District / 65,366 |
| 254. | 36.3% | Babylon Union Free School District / 11,507 |
| 255. | 36.3% | Indian River Central School District / 12,979 |
| 256. | 36.3% | Three Village Central School District / 47,403 |
| 257. | 36.3% | Newburgh City School District / 66,006 |
| 258. | 36.2% | Mount Pleasant Central School District / 12,716 |
| 258. | 36.2% | Cobleskill-Richmondville Central School District / 13,882 |
| 260. | 36.1% | North Syracuse Central School District / 59,461 |
| 261. | 36.1% | Deposit Central School District / 4,283 |
| 262. | 36.1% | East Irondequoit Central School District / 27,472 |
| 263. | 36.1% | Livingston Manor Central School District / 3,578 |
| 264. | 36.0% | Horseheads Central School District / 26,794 |
| 264. | 36.0% | Onteora Central School District / 16,180 |
| 266. | 36.0% | Harrisville Central School District / 2,755 |
| 267. | 36.0% | Penfield Central School District / 31,323 |
| 268. | 36.0% | Fillmore Central School District / 5,372 |
| 268. | 36.0% | West Irondequoit Central School District / 24,121 |
| 270. | 36.0% | Forestville Central School District / 3,329 |
| 271. | 36.0% | Inlet Common School District / 475 |
| 272. | 35.9% | Broadalbin-Perth Central School District / 11,345 |
| 273. | 35.9% | Beaver River Central School District / 5,321 |
| 274. | 35.9% | Niskayuna Central School District / 23,300 |
| 275. | 35.9% | Northville Central School District / 2,824 |
| 275. | 35.9% | South Jefferson Central School District / 10,672 |
| 275. | 35.9% | Herkimer Central School District / 9,983 |
| 278. | 35.9% | Hamburg Central School District / 24,987 |
| 279. | 35.9% | Warrensburg Central School District / 5,731 |
| 280. | 35.9% | Red Hook Central School District / 13,679 |
| 280. | 35.9% | Mayfield Central School District / 6,174 |
| 280. | 35.9% | Arlington Central School District / 57,888 |
| 283. | 35.9% | Carmel Central School District / 30,454 |
| 283. | 35.9% | Falconer Central School District / 7,679 |
| 285. | 35.8% | Central Square Central School District / 24,664 |
| 285. | 35.8% | Cold Spring Harbor Central School District / 8,323 |
| 287. | 35.8% | Albion Central School District / 15,611 |
| 287. | 35.8% | Solvay Union Free School District / 10,014 |
| 289. | 35.7% | Fredonia Central School District / 14,762 |
| 290. | 35.7% | Williamson Central School District / 6,796 |
| 291. | 35.7% | Kendall Central School District / 5,712 |
| 292. | 35.7% | Phelps-Clifton Springs Central School District / 11,425 |
| 293. | 35.7% | East Syracuse-Minoa Central School District / 21,970 |
| 294. | 35.7% | Pearl River Union Free School District / 14,597 |
| 295. | 35.6% | Addison Central School District / 7,049 |
| 296. | 35.6% | Campbell-Savona Central School District / 6,000 |
| 296. | 35.6% | Mechanicville City School District / 9,334 |
| 298. | 35.5% | West Genesee Central School District / 31,203 |
| 298. | 35.5% | Plainedge Union Free School District / 20,405 |
| 300. | 35.5% | Frontier Central School District / 34,827 |
| 301. | 35.4% | Valley Stream Union Free School District 30 / 17,517 |
| 302. | 35.4% | Trumansburg Central School District / 7,289 |
| 303. | 35.4% | Potsdam Central School District / 14,658 |
| 304. | 35.4% | Bethpage Union Free School District / 19,867 |
| 305. | 35.4% | Hendrick Hudson Central School District / 15,519 |
| 306. | 35.4% | Sackets Harbor Central School District / 2,919 |
| 307. | 35.4% | Auburn City School District / 33,725 |
| 308. | 35.4% | Bath Central School District / 11,370 |
| 309. | 35.2% | Homer Central School District / 13,025 |
| 309. | 35.2% | Starpoint Central School District / 16,857 |
| 309. | 35.2% | Morrisville-Eaton Central School District / 6,268 |
| 312. | 35.2% | Clifton-Fine Central School District / 2,179 |
| 313. | 35.2% | Pine Plains Central School District / 9,301 |
| 314. | 35.1% | Moravia Central School District / 7,186 |
| 314. | 35.1% | Hornell City School District / 10,654 |
| 316. | 35.1% | Albany City School District / 97,951 |
| 317. | 35.1% | Wappingers Central School District / 71,763 |
| 318. | 35.1% | Warsaw Central School District / 6,387 |
| 318. | 35.1% | Marcellus Central School District / 10,574 |
| 318. | 35.1% | New Suffolk Common School District / 188 |
| 321. | 35.0% | Massapequa Union Free School District / 47,739 |
| 322. | 35.0% | Poughkeepsie City School District / 32,326 |
| 323. | 35.0% | Candor Central School District / 5,177 |
| 324. | 35.0% | Canaseraga Central School District / 1,876 |
| 325. | 34.9% | Sherburne-Earlville Central School District / 9,066 |
| 325. | 34.9% | Cleveland Hill Union Free School District / 11,150 |
| 327. | 34.9% | Central Islip Union Free School District / 39,012 |
| 328. | 34.8% | Rush-Henrietta Central School District / 50,236 |
| 329. | 34.8% | Huntington Union Free School District / 34,310 |
| 330. | 34.8% | Beekmantown Central School District / 13,060 |
| 331. | 34.8% | Genesee Valley Central School District at Angelica-Belmont / 3,873 |
| 332. | 34.8% | Seaford Union Free School District / 16,354 |
| 333. | 34.7% | Dansville Central School District / 10,139 |
| 334. | 34.7% | Clarkstown Central School District / 47,867 |
| 335. | 34.7% | Granville Central School District / 7,466 |
| 335. | 34.7% | Fort Plain Central School District / 5,555 |
| 337. | 34.6% | Levittown Union Free School District / 47,306 |
| 338. | 34.6% | Lake George Central School District / 6,774 |
| 338. | 34.6% | Delhi Central School District / 7,953 |
| 340. | 34.6% | Belfast Central School District / 2,335 |
| 341. | 34.6% | Plattsburgh City School District / 19,676 |
| 342. | 34.6% | Norwich City School District / 13,526 |
| 343. | 34.5% | Elizabethtown-Lewis Central School District / 2,805 |
| 344. | 34.5% | Odessa-Montour Central School District / 5,735 |
| 345. | 34.5% | Putnam Valley Central School District / 10,752 |
| 345. | 34.5% | North Shore Central School District / 16,012 |
| 347. | 34.5% | East Greenbush Central School District / 29,257 |
| 348. | 34.4% | Schodack Central School District / 6,886 |
| 348. | 34.4% | Tri-Valley Central School District / 6,215 |
| 350. | 34.4% | Lynbrook Union Free School District / 16,935 |
| 351. | 34.4% | Miller Place Union Free School District / 15,974 |
| 352. | 34.4% | Oneonta City School District / 20,414 |
| 353. | 34.3% | Mahopac Central School District / 26,031 |
| 354. | 34.3% | Kenmore-Tonawanda Union Free School District / 67,508 |
| 355. | 34.3% | Westport Central School District / 1,422 |
| 356. | 34.3% | Saugerties Central School District / 20,369 |
| 357. | 34.3% | Grand Island Central School District / 19,974 |
| 358. | 34.3% | Attica Central School District / 13,529 |
| 359. | 34.2% | Baldwin Union Free School District / 33,404 |
| 359. | 34.2% | Longwood Central School District / 64,138 |
| 359. | 34.2% | Lindenhurst Union Free School District / 41,756 |
| 362. | 34.2% | Webster Central School District / 54,065 |
| 363. | 34.2% | Royalton-Hartland Central School District / 9,001 |
| 364. | 34.1% | Elmont Union Free School District / 51,532 |
| 364. | 34.1% | Jefferson Central School District / 1,912 |
| 364. | 34.1% | Johnstown City School District / 11,278 |
| 367. | 34.0% | Parishville-Hopkinton Central School District / 2,470 |
| 368. | 34.0% | Malverne Union Free School District / 14,593 |
| 368. | 34.0% | Windsor Central School District / 10,084 |
| 370. | 34.0% | Worcester Central School District / 2,850 |
| 371. | 34.0% | Northport-East Northport Union Free School District / 37,536 |
| 372. | 33.9% | Naples Central School District / 5,122 |
| 372. | 33.9% | Freeport Union Free School District / 39,935 |
| 374. | 33.9% | Beacon City School District / 27,492 |
| 375. | 33.9% | Victor Central School District / 21,203 |
| 375. | 33.9% | New York Mills Union Free School District / 5,578 |
| 377. | 33.8% | Coxsackie-Athens Central School District / 13,252 |
| 377. | 33.8% | Romulus Central School District / 5,125 |
| 379. | 33.8% | Alexander Central School District / 5,549 |
| 380. | 33.8% | Cohoes City School District / 16,116 |
| 380. | 33.8% | Liverpool Central School District / 50,213 |
| 380. | 33.8% | South Colonie Central School District / 39,971 |
| 383. | 33.8% | Yorkshire-Pioneer Central School District / 16,451 |
| 384. | 33.8% | Ogdensburg City School District / 11,714 |
| 385. | 33.8% | Ithaca City School District / 65,413 |
| 386. | 33.6% | Deer Park Union Free School District / 26,329 |
| 387. | 33.6% | New Hartford Central School District / 16,842 |
| 388. | 33.6% | Sewanhaka Central High School District / 118,343 |
| 388. | 33.6% | Pine Valley Central School District / 4,719 |
| 390. | 33.6% | Northeast Central School District / 7,540 |
| 391. | 33.6% | Southern Cayuga Central School District / 6,969 |
| 392. | 33.5% | William Floyd Union Free School District / 49,109 |
| 393. | 33.5% | Sweet Home Central School District / 35,641 |
| 393. | 33.5% | Honeoye Central School District / 6,218 |
| 395. | 33.5% | Wayland-Cohocton Central School District / 9,627 |
| 396. | 33.5% | Oceanside Union Free School District / 35,827 |
| 396. | 33.5% | Malone Central School District / 20,439 |
| 398. | 33.5% | Valley Stream Union Free School District 24 / 13,620 |
| 399. | 33.4% | Elba Central School District / 3,037 |
| 400. | 33.4% | Brocton Central School District / 4,833 |
| 401. | 33.4% | Saranac Lake Central School District / 13,571 |
| 402. | 33.3% | Plainview-Old Bethpage Central School District / 28,429 |
| 403. | 33.3% | Wells Central School District / 1,105 |
| 403. | 33.3% | Camden Central School District / 13,337 |
| 403. | 33.3% | Floral Park-Bellerose Union Free School District / 20,280 |
| 403. | 33.3% | Tully Central School District / 6,100 |
| 403. | 33.3% | South Glens Falls Central School District / 19,915 |
| 403. | 33.3% | Port Washington Union Free School District / 30,703 |
| 409. | 33.3% | North Colonie Central School District / 38,487 |
| 410. | 33.3% | Nyack Union Free School District / 25,923 |
| 411. | 33.3% | Lake Placid Central School District / 6,453 |
| 412. | 33.3% | Frankfort-Schuyler Central School District / 7,238 |
| 413. | 33.2% | Connetquot Central School District / 40,322 |
| 414. | 33.2% | Dolgeville Central School District / 5,346 |
| 415. | 33.2% | South Orangetown Central School District / 20,059 |
| 416. | 33.2% | Watkins Glen Central School District / 8,229 |
| 416. | 33.2% | Whitesville Central School District / 1,045 |
| 418. | 33.2% | Rome City School District / 39,681 |
| 419. | 33.1% | Gouverneur Central School District / 11,481 |
| 420. | 33.1% | Pittsford Central School District / 33,790 |
| 421. | 33.1% | Medina Central School District / 11,041 |
| 422. | 33.1% | Spencer-Van Etten Central School District / 5,846 |
| 423. | 33.0% | Corning City School District / 33,694 |
| 424. | 33.0% | Rensselaer City School District / 9,045 |
| 425. | 33.0% | Chappaqua Central School District / 16,506 |
| 426. | 33.0% | Elmira City School District / 49,202 |
| 426. | 33.0% | Salamanca City School District / 7,890 |
| 428. | 32.9% | Syosset Central School District / 34,967 |
| 429. | 32.9% | Canastota Central School District / 9,900 |
| 430. | 32.9% | Bedford Central School District / 28,362 |
| 431. | 32.9% | Hoosick Falls Central School District / 7,961 |
| 432. | 32.9% | Adirondack Central School District / 8,825 |
| 433. | 32.8% | Randolph Central School District / 6,423 |
| 433. | 32.8% | Mineola Union Free School District / 23,100 |
| 435. | 32.8% | Union Springs Central School District / 6,098 |
| 435. | 32.8% | Chautauqua Lake Central School District / 5,632 |
| 437. | 32.8% | Farmingdale Union Free School District / 39,954 |
| 438. | 32.8% | Rochester City School District / 211,994 |
| 439. | 32.8% | South Kortright Central School District / 2,855 |
| 440. | 32.7% | Wainscott Common School District / 457 |
| 441. | 32.7% | Lockport City School District / 36,742 |
| 441. | 32.7% | Lakeland Central School District / 35,833 |
| 443. | 32.7% | Bolivar-Richburg Central School District / 4,685 |
| 444. | 32.6% | Taconic Hills Central School District / 11,883 |
| 444. | 32.6% | Milford Central School District / 3,244 |
| 444. | 32.6% | Jericho Union Free School District / 15,587 |
| 447. | 32.6% | Liberty Central School District / 10,506 |
| 448. | 32.6% | Hicksville Union Free School District / 39,215 |
| 449. | 32.6% | Lawrence Union Free School District / 35,466 |
| 450. | 32.6% | White Plains City School District / 55,881 |
| 450. | 32.6% | Skaneateles Central School District / 9,199 |
| 452. | 32.5% | Shenendehowa Central School District / 61,636 |
| 452. | 32.5% | Elwood Union Free School District / 12,820 |
| 454. | 32.5% | Tupper Lake Central School District / 6,285 |
| 455. | 32.5% | Dunkirk City School District / 14,335 |
| 456. | 32.4% | Oneida City School District / 15,831 |
| 457. | 32.4% | Scarsdale Union Free School District / 17,667 |
| 458. | 32.4% | Brasher Falls Central School District / 5,774 |
| 459. | 32.4% | Wilson Central School District / 8,749 |
| 460. | 32.3% | Chenango Forks Central School District / 9,505 |
| 461. | 32.3% | Name N/A / 251,494 |
| 462. | 32.3% | Long Beach City School District / 38,616 |
| 462. | 32.3% | Newfield Central School District / 5,510 |
| 464. | 32.3% | Hancock Central School District / 2,478 |
| 465. | 32.2% | Argyle Central School District / 4,028 |
| 466. | 32.1% | AuSable Valley Central School District / 8,984 |
| 466. | 32.1% | Blind Brook-Rye Union Free School District / 6,340 |
| 468. | 32.1% | Elmira Heights Central School District / 7,030 |
| 469. | 32.1% | Newcomb Central School District / 494 |
| 469. | 32.1% | Westfield Central School District / 5,100 |
| 469. | 32.1% | Pleasantville Union Free School District / 7,944 |
| 472. | 32.1% | Poland Central School District / 4,235 |
| 473. | 32.1% | Edwards-Knox Central School District / 2,890 |
| 473. | 32.1% | South Country Central School District / 28,965 |
| 475. | 32.1% | Whitney Point Central School District / 9,222 |
| 476. | 32.0% | Kingston City School District / 51,715 |
| 477. | 32.0% | Maine-Endwell Central School District / 15,291 |
| 478. | 32.0% | Jasper-Troupsburg Central School District / 3,505 |
| 478. | 32.0% | Jordan-Elbridge Central School District / 8,508 |
| 480. | 31.9% | Niagara Falls City School District / 50,843 |
| 480. | 31.9% | Ellenville Central School District / 12,775 |
| 482. | 31.9% | Buffalo City School District / 266,012 |
| 483. | 31.9% | Somers Central School District / 19,433 |
| 483. | 31.9% | Arkport Central School District / 3,211 |
| 485. | 31.9% | Ossining Union Free School District / 33,954 |
| 485. | 31.9% | Germantown Central School District / 4,299 |
| 487. | 31.8% | Hinsdale Central School District / 2,590 |
| 488. | 31.8% | Dundee Central School District / 6,436 |
| 489. | 31.8% | Valley Stream Central High School District / 59,577 |
| 490. | 31.8% | Ramapo Central School District / 28,538 |
| 491. | 31.7% | Harpursville Central School District / 5,996 |
| 492. | 31.7% | East Aurora Union Free School District / 13,082 |
| 493. | 31.7% | Bay Shore Union Free School District / 34,003 |
| 493. | 31.7% | Gananda Central School District / 5,409 |
| 495. | 31.7% | Southold Union Free School District / 6,172 |
| 496. | 31.6% | Edmeston Central School District / 3,044 |
| 497. | 31.6% | West Babylon Union Free School District / 29,259 |
| 497. | 31.6% | Bellmore-Merrick Central High School District / 69,645 |
| 499. | 31.6% | Riverhead Central School District / 37,734 |
| 500. | 31.6% | Sherman Central School District / 3,057 |
| 500. | 31.6% | Sayville Union Free School District / 17,674 |
| 500. | 31.6% | Amsterdam City School District / 25,479 |
| 503. | 31.6% | Greene Central School District / 7,029 |
| 504. | 31.4% | Saratoga Springs City School District / 49,373 |
| 505. | 31.4% | Cherry Valley-Springfield Central School District / 4,065 |
| 506. | 31.4% | Greenport Union Free School District / 4,616 |
| 507. | 31.3% | Salem Central School District / 3,906 |
| 508. | 31.3% | Lisbon Central School District / 4,399 |
| 509. | 31.3% | Patchogue-Medford Union Free School District / 50,920 |
| 510. | 31.3% | Keene Central School District / 891 |
| 511. | 31.2% | Watervliet City School District / 11,103 |
| 512. | 31.2% | Cassadaga Valley Central School District / 7,376 |
| 513. | 31.2% | Afton Central School District / 4,112 |
| 513. | 31.2% | Canandaigua City School District / 25,241 |
| 515. | 31.2% | East Meadow Union Free School District / 51,125 |
| 516. | 31.1% | Penn Yan Central School District / 15,462 |
| 517. | 31.1% | Salmon River Central School District / 6,653 |
| 517. | 31.1% | Susquehanna Valley Central School District / 11,059 |
| 519. | 31.1% | Katonah-Lewisboro Union Free School District / 18,121 |
| 520. | 31.1% | Edinburg Common School District / 1,566 |
| 520. | 31.1% | Hastings-on-Hudson Union Free School District / 8,500 |
| 522. | 31.1% | South Huntington Union Free School District / 38,934 |
| 523. | 31.0% | Rhinebeck Central School District / 10,075 |
| 524. | 31.0% | Walton Central School District / 6,590 |
| 524. | 31.0% | Commack Union Free School District / 37,483 |
| 526. | 30.9% | Laurens Central School District / 2,635 |
| 527. | 30.9% | Waverly Central School District / 10,313 |
| 528. | 30.8% | West Islip Union Free School District / 28,622 |
| 529. | 30.8% | Eastchester Union Free School District / 18,033 |
| 530. | 30.7% | St. Johnsville Central School District / 3,359 |
| 531. | 30.7% | Lewiston-Porter Central School District / 18,319 |
| 532. | 30.6% | Berlin Central School District / 6,366 |
| 533. | 30.6% | Charlotte Valley Central School District / 2,971 |
| 534. | 30.4% | North Babylon Union Free School District / 31,337 |
| 535. | 30.3% | Downsville Central School District / 2,578 |
| 536. | 30.3% | DeRuyter Central School District / 2,540 |
| 537. | 30.2% | Scotia-Glenville Central School District / 18,356 |
| 538. | 30.2% | Brighton Central School District / 24,829 |
| 539. | 30.1% | Hartford Central School District / 3,114 |
| 540. | 30.1% | Bloomfield Central School District / 6,259 |
| 541. | 30.1% | New Lebanon Central School District / 4,272 |
| 542. | 30.1% | Belleville Henderson Central School District / 3,884 |
| 543. | 30.0% | Hempstead Union Free School District / 43,013 |
| 543. | 30.0% | Brookfield Central School District / 1,184 |
| 543. | 30.0% | Unadilla Valley Central School District / 5,964 |
| 546. | 30.0% | Mattituck-Cutchogue Union Free School District / 8,886 |
| 547. | 29.9% | Sag Harbor Union Free School District / 6,614 |
| 548. | 29.9% | Shoreham-Wading River Central School District / 12,967 |
| 549. | 29.8% | Barker Central School District / 4,736 |
| 550. | 29.8% | Berne-Knox-Westerlo Central School District / 6,168 |
| 551. | 29.8% | Copiague Union Free School District / 29,688 |
| 552. | 29.7% | Valley Stream Union Free School District 13 / 28,440 |
| 553. | 29.7% | East Ramapo Central School District / 107,914 |
| 554. | 29.7% | Bainbridge-Guilford Central School District / 5,284 |
| 555. | 29.6% | Franklin Square Union Free School District / 24,114 |
| 556. | 29.6% | Herricks Union Free School District / 25,188 |
| 557. | 29.5% | Merrick Union Free School District / 17,354 |
| 558. | 29.5% | Franklin Central School District / 2,321 |
| 558. | 29.5% | Westhampton Beach Union Free School District / 6,138 |
| 560. | 29.5% | Monroe-Woodbury Central School District / 35,706 |
| 561. | 29.5% | East Islip Union Free School District / 24,940 |
| 562. | 29.4% | Georgetown-South Otselic Central School District / 2,629 |
| 562. | 29.4% | Northern Adirondack Central School District / 6,702 |
| 564. | 29.4% | Sandy Creek Central School District / 5,698 |
| 565. | 29.4% | Raquette Lake Union Free School District / 109 |
| 566. | 29.4% | Iroquois Central School District / 17,661 |
| 566. | 29.4% | Lansing Central School District / 7,346 |
| 568. | 29.4% | West Hempstead Union Free School District / 16,311 |
| 569. | 29.3% | Island Trees Union Free School District / 16,000 |
| 570. | 29.3% | Valhalla Union Free School District / 9,381 |
| 570. | 29.3% | Wyandanch Union Free School District / 10,906 |
| 572. | 29.3% | Binghamton City School District / 47,391 |
| 573. | 29.2% | North Merrick Union Free School District / 13,771 |
| 574. | 29.1% | Eastport-South Manor Central School District / 17,519 |
| 575. | 29.1% | Oysterponds Union Free School District / 1,801 |
| 576. | 29.1% | Watertown City School District / 31,423 |
| 577. | 29.1% | Wheelerville Union Free School District / 1,645 |
| 578. | 29.1% | Cortland City School District / 24,622 |
| 579. | 29.0% | Yorktown Central School District / 19,936 |
| 580. | 29.0% | North Warren Central School District / 4,583 |
| 581. | 29.0% | Queensbury Union Free School District / 21,647 |
| 582. | 29.0% | Madison Central School District / 3,083 |
| 583. | 29.0% | Hamilton Central School District / 6,750 |
| 584. | 28.9% | Island Park Union Free School District / 8,465 |
| 585. | 28.6% | Bayport-Blue Point Union Free School District / 14,318 |
| 586. | 28.6% | Allegany-Limestone Central School District / 9,622 |
| 587. | 28.5% | Ardsley Union Free School District / 9,649 |
| 588. | 28.5% | Weedsport Central School District / 5,683 |
| 589. | 28.5% | New Rochelle City School District / 75,823 |
| 590. | 28.4% | Mount Sinai Union Free School District / 12,151 |
| 591. | 28.4% | Mamaroneck Union Free School District / 28,390 |
| 592. | 28.4% | Hermon-DeKalb Central School District / 2,454 |
| 593. | 28.3% | Mount Vernon City School District / 67,073 |
| 594. | 28.3% | Pembroke Central School District / 7,202 |
| 595. | 28.3% | Hammond Central School District / 2,033 |
| 596. | 28.2% | Yonkers City School District / 194,880 |
| 597. | 28.1% | Stockbridge Valley Central School District / 3,231 |
| 598. | 28.1% | Washingtonville Central School District / 25,419 |
| 599. | 28.1% | Binghamton Common School District / 485 |
| 599. | 28.1% | Roosevelt Union Free School District / 15,921 |
| 601. | 28.0% | Chatham Central School District / 9,445 |
| 602. | 27.9% | Heuvelton Central School District / 3,852 |
| 603. | 27.9% | Wyoming Central School District / 1,872 |
| 604. | 27.9% | Great Neck Union Free School District / 43,899 |
| 605. | 27.8% | Ilion Central School District / 9,632 |
| 606. | 27.8% | Rye Neck Union Free School District / 8,527 |
| 607. | 27.7% | Glen Cove City School District / 26,728 |
| 608. | 27.7% | Oyster Bay-East Norwich Central School District / 11,686 |
| 609. | 27.6% | Islip Union Free School District / 19,807 |
| 610. | 27.6% | Prattsburgh Central School District / 2,794 |
| 611. | 27.6% | Rye City School District / 14,508 |
| 612. | 27.6% | Greenville Central School District / 8,165 |
| 612. | 27.6% | Whitehall Central School District / 5,060 |
| 614. | 27.2% | Millbrook Central School District / 7,786 |
| 615. | 27.2% | Harborfields Central School District / 18,448 |
| 616. | 27.2% | Fort Ann Central School District / 6,163 |
| 617. | 27.1% | Little Falls City School District / 7,234 |
| 618. | 27.1% | Bellmore Union Free School District / 12,516 |
| 619. | 26.9% | Andes Central School District / 873 |
| 620. | 26.8% | West Valley Central School District / 2,303 |
| 620. | 26.8% | Bolton Central School District / 2,300 |
| 622. | 26.8% | Chester Union Free School District / 6,304 |
| 623. | 26.7% | Wallkill Central School District / 20,638 |
| 624. | 26.7% | Green Island Union Free School District / 2,565 |
| 625. | 26.7% | Gilbertsville-Mount Upton Central School District / 2,997 |
| 626. | 26.7% | Southampton Union Free School District / 10,325 |
| 627. | 26.6% | New York City Department Of Education / 8,078,471 |
| 628. | 26.6% | Pelham Union Free School District / 12,225 |
| 629. | 26.5% | Galway Central School District / 6,569 |
| 630. | 26.5% | Stillwater Central School District / 7,521 |
| 631. | 26.4% | Croton-Harmon Union Free School District / 9,202 |
| 632. | 26.1% | Garden City Union Free School District / 21,998 |
| 633. | 26.1% | Schroon Lake Central School District / 2,612 |
| 634. | 26.0% | Shelter Island Union Free School District / 2,604 |
| 635. | 25.7% | Roslyn Union Free School District / 16,938 |
| 636. | 25.7% | Greenburgh Central School District / 21,031 |
| 636. | 25.7% | Port Jervis City School District / 17,673 |
| 638. | 25.3% | Sodus Central School District / 7,786 |
| 639. | 25.3% | Friendship Central School District / 2,272 |
| 640. | 24.9% | Rockville Centre Union Free School District / 22,051 |
| 641. | 24.9% | Locust Valley Central School District / 15,512 |
| 642. | 24.5% | Putnam Central School District / 584 |
| 643. | 24.5% | Briarcliff Manor Union Free School District / 7,902 |
| 644. | 24.5% | Hewlett-Woodmere Union Free School District / 20,465 |
| 644. | 24.5% | Gilboa-Conesville Central School District / 2,703 |
| 646. | 24.4% | Harrison Central School District / 26,802 |
| 647. | 24.4% | Northeastern Clinton Central School District / 9,030 |
| 648. | 24.3% | West Canada Valley Central School District / 4,902 |
| 649. | 24.2% | Elmsford Union Free School District / 8,008 |
| 650. | 24.0% | LaFayette Central School District / 4,520 |
| 651. | 24.0% | Dobbs Ferry Union Free School District / 9,083 |
| 652. | 23.9% | Eldred Central School District / 5,176 |
| 653. | 23.7% | Port Chester-Rye Union Free School District / 31,399 |
| 654. | 23.4% | Montauk Union Free School District / 3,157 |
| 655. | 23.4% | Catskill Central School District / 12,543 |
| 656. | 23.4% | East Hampton Union Free School District / 8,917 |
| 657. | 23.2% | Highland Central School District / 11,978 |
| 658. | 23.0% | Madrid-Waddington Central School District / 4,212 |
| 659. | 22.9% | Stamford Central School District / 2,729 |
| 660. | 22.6% | The Tarrytowns Union Free School District / 19,185 |
| 661. | 22.5% | Byram Hills Central School District / 11,333 |
| 662. | 22.4% | Amagansett Union Free School District / 1,103 |
| 663. | 22.0% | Colton-Pierrepont Central School District / 2,686 |
| 664. | 21.8% | Holley Central School District / 7,498 |
| 665. | 21.7% | Center Moriches Union Free School District / 8,064 |
| 666. | 21.3% | Amityville Union Free School District / 23,888 |
| 667. | 20.6% | Peekskill City School District / 22,230 |
| 668. | 20.5% | Fishers Island Union Free School District / 250 |
| 669. | 20.1% | Wantagh Union Free School District / 16,920 |
| 670. | 19.8% | Bridgehampton Union Free School District / 971 |
| 671. | 19.6% | Piseco Common School District / 153 |
| 672. | 19.5% | Margaretville Central School District / 3,982 |
| 673. | 19.3% | Haldane Central School District / 5,247 |
| 674. | 19.1% | Minerva Central School District / 587 |
| 675. | 18.1% | Bronxville Union Free School District / 6,329 |
| 676. | 17.6% | Pocantico Hills Central School District / 4,646 |
| 677. | 17.4% | Springs Union Free School District / 6,764 |
| 678. | 16.9% | Remsenburg-Speonk Union Free School District / 1,576 |
| 679. | 16.7% | Tuckahoe Common School District / 3,568 |
| 680. | 16.3% | Lake Pleasant Central School District / 708 |
| 681. | 16.2% | Kiryas Joel Village Union Free School District / 19,089 |
| 682. | 15.5% | Fire Island Union Free School District / 437 |
| 683. | 14.5% | Chazy Union Free School District / 2,999 |
| 684. | 14.3% | Garrison Union Free School District / 3,225 |
| 685. | 14.0% | Irvington Union Free School District / 9,375 |
Please note that we only rank locations with 'Percentage of Houses without a Mortgage where Total Holding Costs 10-20% of Owner Income' data. The rank above might not be a complete list. Locations without 'Percentage of Houses without a Mortgage where Total Holding Costs 10-20% 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.
