| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 20-30% of Owner Income ▼ | School District / Population |
| 1. | 34.5% | Garrison Union Free School District / 3,225 |
| 2. | 33.0% | Haldane Central School District / 5,247 |
| 3. | 31.6% | Andes Central School District / 873 |
| 4. | 30.9% | Wyandanch Union Free School District / 10,906 |
| 5. | 29.3% | Dobbs Ferry Union Free School District / 9,083 |
| 6. | 28.9% | Belleville Henderson Central School District / 3,884 |
| 7. | 27.3% | Royalton-Hartland Central School District / 9,001 |
| 8. | 27.3% | New Suffolk Common School District / 188 |
| 9. | 27.2% | East Islip Union Free School District / 24,940 |
| 10. | 26.5% | Honeoye Central School District / 6,218 |
| 10. | 26.5% | Springs Union Free School District / 6,764 |
| 10. | 26.5% | Raquette Lake Union Free School District / 109 |
| 13. | 26.1% | Mount Sinai Union Free School District / 12,151 |
| 14. | 26.0% | Elwood Union Free School District / 12,820 |
| 15. | 25.3% | Williamson Central School District / 6,796 |
| 16. | 25.3% | Bellmore Union Free School District / 12,516 |
| 16. | 25.3% | Cairo-Durham Central School District / 9,774 |
| 18. | 25.1% | Florida Union Free School District / 4,753 |
| 19. | 25.0% | Highland Central School District / 11,978 |
| 20. | 25.0% | Wantagh Union Free School District / 16,920 |
| 21. | 24.5% | Remsenburg-Speonk Union Free School District / 1,576 |
| 22. | 24.5% | Amityville Union Free School District / 23,888 |
| 23. | 24.3% | Valley Stream Union Free School District 30 / 17,517 |
| 24. | 24.3% | Valley Stream Union Free School District 24 / 13,620 |
| 25. | 24.3% | Greenville Central School District / 8,165 |
| 26. | 24.2% | Chazy Union Free School District / 2,999 |
| 27. | 24.1% | Tuckahoe Common School District / 3,568 |
| 28. | 24.1% | Islip Union Free School District / 19,807 |
| 29. | 23.9% | Garden City Union Free School District / 21,998 |
| 30. | 23.7% | Allegany-Limestone Central School District / 9,622 |
| 31. | 23.7% | Stockbridge Valley Central School District / 3,231 |
| 31. | 23.7% | Southold Union Free School District / 6,172 |
| 33. | 23.5% | Monroe-Woodbury Central School District / 35,706 |
| 34. | 23.5% | Peekskill City School District / 22,230 |
| 35. | 23.5% | Yorktown Central School District / 19,936 |
| 36. | 23.4% | Cleveland Hill Union Free School District / 11,150 |
| 37. | 23.4% | Poughkeepsie City School District / 32,326 |
| 38. | 23.4% | Homer Central School District / 13,025 |
| 39. | 23.3% | Windsor Central School District / 10,084 |
| 40. | 23.1% | Northeast Central School District / 7,540 |
| 41. | 23.1% | Cheektowaga Central School District / 21,382 |
| 42. | 22.8% | Bradford Central School District / 2,480 |
| 43. | 22.7% | Wellsville Central School District / 9,219 |
| 44. | 22.7% | Hempstead Union Free School District / 43,013 |
| 45. | 22.7% | Heuvelton Central School District / 3,852 |
| 46. | 22.6% | Newcomb Central School District / 494 |
| 47. | 22.6% | Westfield Central School District / 5,100 |
| 48. | 22.5% | Mattituck-Cutchogue Union Free School District / 8,886 |
| 49. | 22.3% | Commack Union Free School District / 37,483 |
| 50. | 22.3% | Washingtonville Central School District / 25,419 |
| 51. | 22.1% | Ardsley Union Free School District / 9,649 |
| 52. | 22.1% | Plainedge Union Free School District / 20,405 |
| 53. | 22.0% | Elizabethtown-Lewis Central School District / 2,805 |
| 54. | 22.0% | Glens Falls City School District / 15,213 |
| 55. | 22.0% | Island Trees Union Free School District / 16,000 |
| 55. | 22.0% | Friendship Central School District / 2,272 |
| 57. | 21.9% | Tuxedo Union Free School District / 2,648 |
| 58. | 21.9% | Hartford Central School District / 3,114 |
| 59. | 21.8% | Skaneateles Central School District / 9,199 |
| 60. | 21.8% | Sandy Creek Central School District / 5,698 |
| 61. | 21.7% | Lowville Academy and Central School District / 8,632 |
| 62. | 21.6% | Somers Central School District / 19,433 |
| 63. | 21.5% | Elba Central School District / 3,037 |
| 64. | 21.4% | Bridgehampton Union Free School District / 971 |
| 65. | 21.4% | Valhalla Union Free School District / 9,381 |
| 66. | 21.4% | Madison Central School District / 3,083 |
| 67. | 21.3% | Hampton Bays Union Free School District / 12,856 |
| 68. | 21.3% | Green Island Union Free School District / 2,565 |
| 69. | 21.2% | Rocky Point Union Free School District / 17,233 |
| 70. | 21.2% | Mount Vernon City School District / 67,073 |
| 70. | 21.2% | Canastota Central School District / 9,900 |
| 72. | 21.2% | East Rockaway Union Free School District / 10,258 |
| 73. | 21.1% | North Warren Central School District / 4,583 |
| 74. | 21.1% | Cassadaga Valley Central School District / 7,376 |
| 75. | 21.0% | Kingston City School District / 51,715 |
| 76. | 21.0% | Haverstraw-Stony Point Central School District / 46,952 |
| 77. | 21.0% | Mineola Union Free School District / 23,100 |
| 78. | 21.0% | Depew Union Free School District / 15,481 |
| 79. | 20.9% | Cheektowaga-Maryvale Union Free School District / 19,036 |
| 80. | 20.9% | Nanuet Union Free School District / 13,611 |
| 81. | 20.9% | Hauppauge Union Free School District / 23,120 |
| 82. | 20.9% | Levittown Union Free School District / 47,306 |
| 83. | 20.8% | Tonawanda City School District / 15,249 |
| 84. | 20.8% | South Orangetown Central School District / 20,059 |
| 85. | 20.8% | Cheektowaga-Sloan Union Free School District / 11,861 |
| 86. | 20.7% | Bainbridge-Guilford Central School District / 5,284 |
| 87. | 20.7% | Jordan-Elbridge Central School District / 8,508 |
| 87. | 20.7% | Wallkill Central School District / 20,638 |
| 89. | 20.6% | Lyons Central School District / 7,000 |
| 90. | 20.6% | Chenango Forks Central School District / 9,505 |
| 91. | 20.6% | North Merrick Union Free School District / 13,771 |
| 92. | 20.6% | Warsaw Central School District / 6,387 |
| 93. | 20.6% | Arlington Central School District / 57,888 |
| 94. | 20.6% | Northport-East Northport Union Free School District / 37,536 |
| 95. | 20.5% | Ellenville Central School District / 12,775 |
| 96. | 20.4% | Newburgh City School District / 66,006 |
| 96. | 20.4% | Farmingdale Union Free School District / 39,954 |
| 98. | 20.4% | Maine-Endwell Central School District / 15,291 |
| 99. | 20.3% | Chatham Central School District / 9,445 |
| 100. | 20.3% | West Islip Union Free School District / 28,622 |
| 101. | 20.3% | Northern Adirondack Central School District / 6,702 |
| 102. | 20.3% | Roosevelt Union Free School District / 15,921 |
| 103. | 20.2% | East Aurora Union Free School District / 13,082 |
| 104. | 20.2% | Prattsburgh Central School District / 2,794 |
| 105. | 20.2% | Medina Central School District / 11,041 |
| 106. | 20.1% | Sweet Home Central School District / 35,641 |
| 107. | 20.1% | Longwood Central School District / 64,138 |
| 108. | 20.0% | Oyster Bay-East Norwich Central School District / 11,686 |
| 109. | 20.0% | Hoosic Valley Central School District / 6,488 |
| 110. | 20.0% | Brewster Central School District / 21,474 |
| 110. | 20.0% | Potsdam Central School District / 14,658 |
| 112. | 19.9% | East Hampton Union Free School District / 8,917 |
| 113. | 19.9% | East Ramapo Central School District / 107,914 |
| 114. | 19.9% | Plainview-Old Bethpage Central School District / 28,429 |
| 115. | 19.8% | Warwick Valley Central School District / 23,153 |
| 115. | 19.8% | Whitehall Central School District / 5,060 |
| 117. | 19.8% | Caledonia-Mumford Central School District / 5,590 |
| 118. | 19.8% | Brentwood Union Free School District / 82,884 |
| 118. | 19.8% | Tri-Valley Central School District / 6,215 |
| 120. | 19.7% | Rensselaer City School District / 9,045 |
| 121. | 19.7% | Greenwood Lake Union Free School District / 6,388 |
| 122. | 19.7% | East Meadow Union Free School District / 51,125 |
| 123. | 19.6% | Herricks Union Free School District / 25,188 |
| 124. | 19.6% | Sackets Harbor Central School District / 2,919 |
| 124. | 19.6% | Le Roy Central School District / 8,314 |
| 126. | 19.6% | North Babylon Union Free School District / 31,337 |
| 126. | 19.6% | Red Hook Central School District / 13,679 |
| 126. | 19.6% | Huntington Union Free School District / 34,310 |
| 129. | 19.5% | Batavia City School District / 18,614 |
| 130. | 19.5% | Niagara Falls City School District / 50,843 |
| 130. | 19.5% | Whitesville Central School District / 1,045 |
| 132. | 19.5% | Greenburgh Central School District / 21,031 |
| 133. | 19.5% | Panama Central School District / 3,633 |
| 134. | 19.4% | St. Johnsville Central School District / 3,359 |
| 135. | 19.4% | Bolivar-Richburg Central School District / 4,685 |
| 136. | 19.3% | Lockport City School District / 36,742 |
| 136. | 19.3% | West Hempstead Union Free School District / 16,311 |
| 138. | 19.3% | Newark Central School District / 15,231 |
| 139. | 19.2% | Kenmore-Tonawanda Union Free School District / 67,508 |
| 140. | 19.2% | Brookhaven-Comsewogue Union Free School District / 23,830 |
| 141. | 19.2% | Valley Stream Central High School District / 59,577 |
| 142. | 19.2% | West Seneca Central School District / 54,106 |
| 143. | 19.1% | North Tonawanda City School District / 31,716 |
| 144. | 19.1% | Pearl River Union Free School District / 14,597 |
| 145. | 19.0% | Afton Central School District / 4,112 |
| 146. | 19.0% | Poland Central School District / 4,235 |
| 147. | 19.0% | Romulus Central School District / 5,125 |
| 148. | 19.0% | Eastport-South Manor Central School District / 17,519 |
| 149. | 19.0% | Dansville Central School District / 10,139 |
| 150. | 18.9% | DeRuyter Central School District / 2,540 |
| 151. | 18.9% | Mechanicville City School District / 9,334 |
| 152. | 18.9% | Stillwater Central School District / 7,521 |
| 153. | 18.9% | Coxsackie-Athens Central School District / 13,252 |
| 154. | 18.8% | Oneida City School District / 15,831 |
| 155. | 18.8% | Sachem Central School District / 84,363 |
| 156. | 18.8% | Worcester Central School District / 2,850 |
| 157. | 18.7% | Hancock Central School District / 2,478 |
| 158. | 18.6% | Harborfields Central School District / 18,448 |
| 158. | 18.6% | Rome City School District / 39,681 |
| 160. | 18.6% | Stamford Central School District / 2,729 |
| 161. | 18.5% | South Huntington Union Free School District / 38,934 |
| 162. | 18.5% | Camden Central School District / 13,337 |
| 163. | 18.4% | Wilson Central School District / 8,749 |
| 163. | 18.4% | Wyoming Central School District / 1,872 |
| 165. | 18.4% | Dunkirk City School District / 14,335 |
| 166. | 18.4% | Central Islip Union Free School District / 39,012 |
| 166. | 18.4% | Riverhead Central School District / 37,734 |
| 168. | 18.4% | Little Falls City School District / 7,234 |
| 169. | 18.3% | Morristown Central School District / 3,430 |
| 170. | 18.3% | Mahopac Central School District / 26,031 |
| 171. | 18.3% | Glen Cove City School District / 26,728 |
| 171. | 18.3% | Arkport Central School District / 3,211 |
| 173. | 18.3% | Mohawk Central School District / 5,447 |
| 174. | 18.2% | Croton-Harmon Union Free School District / 9,202 |
| 175. | 18.2% | Wainscott Common School District / 457 |
| 176. | 18.2% | Gates-Chili Central School District / 33,331 |
| 177. | 18.2% | Lindenhurst Union Free School District / 41,756 |
| 177. | 18.2% | Hammond Central School District / 2,033 |
| 179. | 18.1% | Katonah-Lewisboro Union Free School District / 18,121 |
| 180. | 18.1% | Bellmore-Merrick Central High School District / 69,645 |
| 180. | 18.1% | Holley Central School District / 7,498 |
| 182. | 18.1% | Cortland City School District / 24,622 |
| 182. | 18.1% | North Bellmore Union Free School District / 26,004 |
| 184. | 18.1% | Central Square Central School District / 24,664 |
| 185. | 18.1% | Portville Central School District / 4,869 |
| 185. | 18.1% | Starpoint Central School District / 16,857 |
| 185. | 18.1% | Hilton Central School District / 26,048 |
| 188. | 18.0% | Charlotte Valley Central School District / 2,971 |
| 188. | 18.0% | Carmel Central School District / 30,454 |
| 190. | 18.0% | Weedsport Central School District / 5,683 |
| 191. | 18.0% | North Shore Central School District / 16,012 |
| 192. | 18.0% | Highland Falls Central School District / 12,636 |
| 193. | 18.0% | Schroon Lake Central School District / 2,612 |
| 194. | 18.0% | Bath Central School District / 11,370 |
| 195. | 18.0% | Fishers Island Union Free School District / 250 |
| 195. | 18.0% | Crown Point Central School District / 2,082 |
| 197. | 17.9% | Putnam Valley Central School District / 10,752 |
| 198. | 17.9% | Utica City School District / 61,922 |
| 199. | 17.9% | Argyle Central School District / 4,028 |
| 200. | 17.9% | Waterville Central School District / 5,937 |
| 201. | 17.8% | Ramapo Central School District / 28,538 |
| 202. | 17.8% | Bloomfield Central School District / 6,259 |
| 203. | 17.8% | Binghamton City School District / 47,391 |
| 203. | 17.8% | Sidney Central School District / 7,430 |
| 205. | 17.8% | Hornell City School District / 10,654 |
| 206. | 17.7% | Galway Central School District / 6,569 |
| 206. | 17.7% | Amsterdam City School District / 25,479 |
| 208. | 17.7% | Copiague Union Free School District / 29,688 |
| 208. | 17.7% | Clarkstown Central School District / 47,867 |
| 210. | 17.7% | Hicksville Union Free School District / 39,215 |
| 211. | 17.7% | South Jefferson Central School District / 10,672 |
| 211. | 17.7% | Blind Brook-Rye Union Free School District / 6,340 |
| 213. | 17.7% | Brighton Central School District / 24,829 |
| 214. | 17.7% | Elmira City School District / 49,202 |
| 215. | 17.6% | Auburn City School District / 33,725 |
| 216. | 17.6% | Windham-Ashland-Jewett Central School District / 3,067 |
| 216. | 17.6% | Elmont Union Free School District / 51,532 |
| 218. | 17.6% | Oysterponds Union Free School District / 1,801 |
| 219. | 17.6% | Hyde Park Central School District / 32,806 |
| 220. | 17.6% | Whitney Point Central School District / 9,222 |
| 220. | 17.6% | AuSable Valley Central School District / 8,984 |
| 222. | 17.6% | Lawrence Union Free School District / 35,466 |
| 222. | 17.6% | Johnstown City School District / 11,278 |
| 224. | 17.5% | Middle Country Central School District / 63,461 |
| 225. | 17.5% | Brocton Central School District / 4,833 |
| 225. | 17.5% | Avon Central School District / 7,268 |
| 227. | 17.5% | Canajoharie Central School District / 6,348 |
| 228. | 17.4% | Unadilla Valley Central School District / 5,964 |
| 229. | 17.4% | Fort Plain Central School District / 5,555 |
| 230. | 17.4% | West Babylon Union Free School District / 29,259 |
| 231. | 17.4% | Massapequa Union Free School District / 47,739 |
| 232. | 17.4% | Pine Bush Central School District / 33,041 |
| 232. | 17.4% | Alden Central School District / 13,486 |
| 234. | 17.4% | Mount Pleasant Central School District / 12,716 |
| 235. | 17.4% | Albion Central School District / 15,611 |
| 236. | 17.3% | Fulton City School District / 20,338 |
| 237. | 17.3% | Name N/A / 251,494 |
| 238. | 17.3% | Corning City School District / 33,694 |
| 239. | 17.3% | Onteora Central School District / 16,180 |
| 239. | 17.3% | Phelps-Clifton Springs Central School District / 11,425 |
| 241. | 17.3% | Pelham Union Free School District / 12,225 |
| 242. | 17.3% | Lyncourt Union Free School District / 3,906 |
| 243. | 17.2% | Bayport-Blue Point Union Free School District / 14,318 |
| 244. | 17.2% | Newark Valley Central School District / 7,615 |
| 245. | 17.2% | Deer Park Union Free School District / 26,329 |
| 246. | 17.2% | Rockville Centre Union Free School District / 22,051 |
| 247. | 17.2% | Syracuse City School District / 144,879 |
| 247. | 17.2% | Roslyn Union Free School District / 16,938 |
| 249. | 17.2% | Elmsford Union Free School District / 8,008 |
| 249. | 17.2% | Jericho Union Free School District / 15,587 |
| 251. | 17.1% | Moriah Central School District / 4,846 |
| 251. | 17.1% | Lancaster Central School District / 39,888 |
| 253. | 17.1% | Chittenango Central School District / 13,867 |
| 254. | 17.1% | Gouverneur Central School District / 11,481 |
| 255. | 17.1% | Groton Central School District / 6,149 |
| 256. | 17.1% | Hudson City School District / 16,265 |
| 257. | 17.1% | Hoosick Falls Central School District / 7,961 |
| 257. | 17.1% | Harrison Central School District / 26,802 |
| 259. | 17.1% | Saugerties Central School District / 20,369 |
| 260. | 17.0% | Edwards-Knox Central School District / 2,890 |
| 261. | 17.0% | Norwich City School District / 13,526 |
| 262. | 17.0% | Millbrook Central School District / 7,786 |
| 263. | 17.0% | Webb Town Union Free School District / 1,979 |
| 264. | 16.9% | North Greenbush Common School District / 1,736 |
| 265. | 16.9% | Irvington Union Free School District / 9,375 |
| 266. | 16.9% | Brushton-Moira Central School District / 4,955 |
| 266. | 16.9% | Kendall Central School District / 5,712 |
| 268. | 16.9% | Cornwall Central School District / 17,002 |
| 269. | 16.8% | Schalmont Central School District / 13,919 |
| 270. | 16.8% | Red Creek Central School District / 6,736 |
| 271. | 16.7% | Wappingers Central School District / 71,763 |
| 271. | 16.7% | Franklin Central School District / 2,321 |
| 273. | 16.7% | Penfield Central School District / 31,323 |
| 274. | 16.7% | Brookfield Central School District / 1,184 |
| 274. | 16.7% | Marlboro Central School District / 12,226 |
| 276. | 16.7% | Locust Valley Central School District / 15,512 |
| 277. | 16.7% | Whitesboro Central School District / 26,575 |
| 278. | 16.6% | Duanesburg Central School District / 4,910 |
| 279. | 16.6% | Cato-Meridian Central School District / 6,868 |
| 279. | 16.6% | Hamilton Central School District / 6,750 |
| 281. | 16.6% | Hudson Falls Central School District / 14,783 |
| 281. | 16.6% | Catskill Central School District / 12,543 |
| 281. | 16.6% | Bethpage Union Free School District / 19,867 |
| 284. | 16.5% | Yorkshire-Pioneer Central School District / 16,451 |
| 285. | 16.5% | Fonda-Fultonville Central School District / 8,616 |
| 286. | 16.5% | Bay Shore Union Free School District / 34,003 |
| 287. | 16.4% | Connetquot Central School District / 40,322 |
| 288. | 16.4% | East Irondequoit Central School District / 27,472 |
| 289. | 16.4% | Kings Park Central School District / 22,873 |
| 290. | 16.4% | Port Jervis City School District / 17,673 |
| 291. | 16.3% | Westport Central School District / 1,422 |
| 292. | 16.3% | Canton Central School District / 11,563 |
| 292. | 16.3% | Sewanhaka Central High School District / 118,343 |
| 292. | 16.3% | Avoca Central School District / 3,312 |
| 292. | 16.3% | New Hyde Park-Garden City Park Union Free School District / 22,417 |
| 296. | 16.3% | South Country Central School District / 28,965 |
| 296. | 16.3% | Spackenkill Union Free School District / 8,982 |
| 298. | 16.2% | Phoenix Central School District / 11,578 |
| 298. | 16.2% | Gilbertsville-Mount Upton Central School District / 2,997 |
| 300. | 16.2% | Canandaigua City School District / 25,241 |
| 300. | 16.2% | Bolton Central School District / 2,300 |
| 302. | 16.2% | William Floyd Union Free School District / 49,109 |
| 302. | 16.2% | Franklin Square Union Free School District / 24,114 |
| 304. | 16.2% | Rhinebeck Central School District / 10,075 |
| 305. | 16.1% | Granville Central School District / 7,466 |
| 306. | 16.1% | Nyack Union Free School District / 25,923 |
| 306. | 16.1% | Amherst Central School District / 24,522 |
| 308. | 16.1% | Port Byron Central School District / 5,331 |
| 309. | 16.0% | Shoreham-Wading River Central School District / 12,967 |
| 310. | 16.0% | Gloversville City School District / 19,621 |
| 311. | 16.0% | Holland Patent Central School District / 8,926 |
| 312. | 16.0% | Cobleskill-Richmondville Central School District / 13,882 |
| 313. | 15.9% | Uniondale Union Free School District / 41,921 |
| 314. | 15.9% | Pulaski Central School District / 5,947 |
| 314. | 15.9% | Union-Endicott Central School District / 31,562 |
| 314. | 15.9% | Beacon City School District / 27,492 |
| 317. | 15.9% | Syosset Central School District / 34,967 |
| 317. | 15.9% | West Irondequoit Central School District / 24,121 |
| 317. | 15.9% | Fayetteville-Manlius Central School District / 24,810 |
| 320. | 15.9% | Chester Union Free School District / 6,304 |
| 320. | 15.9% | Addison Central School District / 7,049 |
| 322. | 15.9% | Long Lake Central School District / 642 |
| 323. | 15.9% | Frontier Central School District / 34,827 |
| 324. | 15.8% | Parishville-Hopkinton Central School District / 2,470 |
| 324. | 15.8% | Malverne Union Free School District / 14,593 |
| 326. | 15.8% | Seaford Union Free School District / 16,354 |
| 327. | 15.8% | Ossining Union Free School District / 33,954 |
| 328. | 15.7% | Horseheads Central School District / 26,794 |
| 329. | 15.7% | Altmar-Parish-Williamstown Central School District / 7,442 |
| 330. | 15.7% | Watkins Glen Central School District / 8,229 |
| 330. | 15.7% | Johnson City Central School District / 20,235 |
| 332. | 15.7% | Hinsdale Central School District / 2,590 |
| 333. | 15.7% | Herkimer Central School District / 9,983 |
| 334. | 15.6% | Lansingburgh Central School District / 18,543 |
| 335. | 15.6% | Oriskany Central School District / 4,778 |
| 336. | 15.6% | Baldwin Union Free School District / 33,404 |
| 337. | 15.6% | Berlin Central School District / 6,366 |
| 338. | 15.6% | Canaseraga Central School District / 1,876 |
| 338. | 15.6% | Greece Central School District / 81,656 |
| 340. | 15.5% | South Seneca Central School District / 6,841 |
| 341. | 15.4% | Eastchester Union Free School District / 18,033 |
| 342. | 15.4% | Oceanside Union Free School District / 35,827 |
| 342. | 15.4% | Queensbury Union Free School District / 21,647 |
| 344. | 15.4% | Fort Ann Central School District / 6,163 |
| 344. | 15.4% | Salem Central School District / 3,906 |
| 344. | 15.4% | Babylon Union Free School District / 11,507 |
| 347. | 15.4% | Troy City School District / 38,708 |
| 348. | 15.4% | East Syracuse-Minoa Central School District / 21,970 |
| 349. | 15.3% | The Tarrytowns Union Free School District / 19,185 |
| 349. | 15.3% | Watertown City School District / 31,423 |
| 351. | 15.3% | Owego-Apalachin Central School District / 15,168 |
| 352. | 15.3% | Minisink Valley Central School District / 22,997 |
| 353. | 15.3% | Northeastern Clinton Central School District / 9,030 |
| 354. | 15.3% | Liverpool Central School District / 50,213 |
| 354. | 15.3% | Lakeland Central School District / 35,833 |
| 356. | 15.3% | Mamaroneck Union Free School District / 28,390 |
| 357. | 15.3% | Liberty Central School District / 10,506 |
| 357. | 15.3% | Minerva Central School District / 587 |
| 359. | 15.3% | Clarence Central School District / 26,589 |
| 360. | 15.2% | Bedford Central School District / 28,362 |
| 361. | 15.2% | Hamburg Central School District / 24,987 |
| 362. | 15.2% | Westhampton Beach Union Free School District / 6,138 |
| 363. | 15.2% | Valley Stream Union Free School District 13 / 28,440 |
| 363. | 15.2% | Oneonta City School District / 20,414 |
| 365. | 15.2% | Cohoes City School District / 16,116 |
| 365. | 15.2% | Hewlett-Woodmere Union Free School District / 20,465 |
| 367. | 15.1% | Clymer Central School District / 3,067 |
| 368. | 15.1% | Sharon Springs Central School District / 1,883 |
| 369. | 15.1% | Putnam Central School District / 584 |
| 370. | 15.1% | Freeport Union Free School District / 39,935 |
| 371. | 15.1% | Ripley Central School District / 1,607 |
| 372. | 15.0% | Margaretville Central School District / 3,982 |
| 373. | 15.0% | Ogdensburg City School District / 11,714 |
| 374. | 15.0% | Scotia-Glenville Central School District / 18,356 |
| 374. | 15.0% | Perry Central School District / 5,801 |
| 376. | 15.0% | Deposit Central School District / 4,283 |
| 377. | 14.9% | Cambridge Central School District / 6,734 |
| 378. | 14.9% | Manchester-Shortsville Central School District / 6,283 |
| 378. | 14.9% | Carthage Central School District / 15,491 |
| 378. | 14.9% | West Canada Valley Central School District / 4,902 |
| 381. | 14.9% | Westbury Union Free School District / 24,719 |
| 382. | 14.9% | New Rochelle City School District / 75,823 |
| 383. | 14.8% | Edgemont Union Free School District / 7,595 |
| 384. | 14.8% | Clifton-Fine Central School District / 2,179 |
| 384. | 14.8% | Harrisville Central School District / 2,755 |
| 386. | 14.8% | Rochester City School District / 211,994 |
| 387. | 14.7% | Rotterdam-Mohonasen Central School District / 20,603 |
| 388. | 14.7% | North Rose-Wolcott Central School District / 8,838 |
| 388. | 14.7% | Naples Central School District / 5,122 |
| 390. | 14.7% | New Lebanon Central School District / 4,272 |
| 390. | 14.7% | Iroquois Central School District / 17,661 |
| 392. | 14.7% | Genesee Valley Central School District at Angelica-Belmont / 3,873 |
| 392. | 14.7% | Orchard Park Central School District / 32,354 |
| 394. | 14.7% | Great Neck Union Free School District / 43,899 |
| 395. | 14.7% | Montauk Union Free School District / 3,157 |
| 396. | 14.6% | Brunswick Central School District (Brittonkill) / 8,440 |
| 397. | 14.6% | Cazenovia Central School District / 10,781 |
| 398. | 14.5% | Indian River Central School District / 12,979 |
| 399. | 14.5% | Valley Central School District / 26,564 |
| 399. | 14.5% | Half Hollow Hills Central School District / 48,481 |
| 401. | 14.5% | Laurens Central School District / 2,635 |
| 402. | 14.5% | Penn Yan Central School District / 15,462 |
| 402. | 14.5% | Sayville Union Free School District / 17,674 |
| 404. | 14.5% | Honeoye Falls-Lima Central School District / 13,554 |
| 404. | 14.5% | Newfane Central School District / 10,451 |
| 406. | 14.5% | Newfield Central School District / 5,510 |
| 406. | 14.5% | LaFayette Central School District / 4,520 |
| 408. | 14.5% | Mexico Central School District / 12,375 |
| 409. | 14.4% | Patchogue-Medford Union Free School District / 50,920 |
| 409. | 14.4% | Sherrill City School District / 12,216 |
| 409. | 14.4% | Ellicottville Central School District / 3,246 |
| 412. | 14.4% | Eldred Central School District / 5,176 |
| 413. | 14.4% | Smithtown Central School District / 56,722 |
| 414. | 14.4% | Ilion Central School District / 9,632 |
| 415. | 14.4% | Port Chester-Rye Union Free School District / 31,399 |
| 416. | 14.3% | Letchworth Central School District / 6,470 |
| 417. | 14.3% | New Paltz Central School District / 19,643 |
| 418. | 14.3% | West Genesee Central School District / 31,203 |
| 419. | 14.3% | Saratoga Springs City School District / 49,373 |
| 419. | 14.3% | Long Beach City School District / 38,616 |
| 419. | 14.3% | Salamanca City School District / 7,890 |
| 422. | 14.2% | LaFargeville Central School District / 3,255 |
| 422. | 14.2% | Forestville Central School District / 3,329 |
| 424. | 14.2% | Dover Union Free School District / 10,336 |
| 424. | 14.2% | North Collins Central School District / 4,204 |
| 426. | 14.2% | Taconic Hills Central School District / 11,883 |
| 427. | 14.2% | Malone Central School District / 20,439 |
| 428. | 14.2% | Union Springs Central School District / 6,098 |
| 429. | 14.2% | Monticello Central School District / 21,480 |
| 430. | 14.2% | Southampton Union Free School District / 10,325 |
| 431. | 14.1% | Morrisville-Eaton Central School District / 6,268 |
| 432. | 14.1% | Candor Central School District / 5,177 |
| 432. | 14.1% | North Syracuse Central School District / 59,461 |
| 434. | 14.1% | Fillmore Central School District / 5,372 |
| 435. | 14.0% | Sherman Central School District / 3,057 |
| 436. | 14.0% | Averill Park Central School District / 18,967 |
| 437. | 14.0% | York Central School District / 5,157 |
| 438. | 14.0% | Ticonderoga Central School District / 5,825 |
| 439. | 14.0% | Gowanda Central School District / 12,287 |
| 440. | 14.0% | Goshen Central School District / 18,440 |
| 441. | 14.0% | White Plains City School District / 55,881 |
| 442. | 14.0% | Albany City School District / 97,951 |
| 442. | 14.0% | Floral Park-Bellerose Union Free School District / 20,280 |
| 444. | 13.9% | Ballston Spa Central School District / 27,347 |
| 445. | 13.9% | Peru Central School District / 12,666 |
| 446. | 13.9% | Massena Central School District / 17,403 |
| 447. | 13.9% | Kinderhook Central School District / 13,584 |
| 448. | 13.8% | Kiryas Joel Village Union Free School District / 19,089 |
| 448. | 13.8% | Watervliet City School District / 11,103 |
| 448. | 13.8% | Churchville-Chili Central School District / 27,174 |
| 448. | 13.8% | Jamesville-DeWitt Central School District / 17,794 |
| 452. | 13.8% | Voorheesville Central School District / 7,664 |
| 452. | 13.8% | South Lewis Central School District / 6,757 |
| 454. | 13.8% | Middletown City School District / 40,414 |
| 455. | 13.8% | Waterloo Central School District / 12,351 |
| 456. | 13.8% | Richfield Springs Central School District / 3,908 |
| 457. | 13.7% | Livonia Central School District / 10,648 |
| 458. | 13.7% | Sag Harbor Union Free School District / 6,614 |
| 458. | 13.7% | Manhasset Union Free School District / 16,711 |
| 460. | 13.7% | South Kortright Central School District / 2,855 |
| 461. | 13.6% | Jamestown City School District / 32,750 |
| 462. | 13.6% | Wayne Central School District / 14,892 |
| 463. | 13.6% | Seneca Falls Central School District / 9,811 |
| 464. | 13.6% | Cattaraugus-Little Valley Central School District / 6,790 |
| 465. | 13.5% | Geneva City School District / 17,502 |
| 466. | 13.5% | Cincinnatus Central School District / 3,453 |
| 467. | 13.5% | Hunter-Tannersville Central School District / 3,722 |
| 468. | 13.5% | Georgetown-South Otselic Central School District / 2,629 |
| 468. | 13.5% | Pembroke Central School District / 7,202 |
| 470. | 13.4% | Lackawanna City School District / 18,239 |
| 470. | 13.4% | Saranac Central School District / 14,324 |
| 472. | 13.3% | Sagaponack Common School District / 235 |
| 473. | 13.3% | Niagara-Wheatfield Central School District / 27,385 |
| 474. | 13.3% | Pine Valley Central School District / 4,719 |
| 475. | 13.3% | Mount Markham Central School District / 7,487 |
| 475. | 13.3% | Cherry Valley-Springfield Central School District / 4,065 |
| 475. | 13.3% | Yonkers City School District / 194,880 |
| 478. | 13.3% | Hammondsport Central School District / 4,202 |
| 479. | 13.2% | Three Village Central School District / 47,403 |
| 480. | 13.2% | Buffalo City School District / 266,012 |
| 481. | 13.2% | Indian Lake Central School District / 1,327 |
| 482. | 13.2% | Chappaqua Central School District / 16,506 |
| 483. | 13.2% | Carle Place Union Free School District / 9,803 |
| 483. | 13.2% | Copenhagen Central School District / 2,373 |
| 483. | 13.2% | Wells Central School District / 1,105 |
| 486. | 13.1% | East Quogue Union Free School District / 4,683 |
| 486. | 13.1% | Hastings-on-Hudson Union Free School District / 8,500 |
| 488. | 13.1% | Marion Central School District / 5,915 |
| 489. | 13.1% | Lyndonville Central School District / 4,387 |
| 490. | 13.0% | Mount Morris Central School District / 6,113 |
| 490. | 13.0% | South Glens Falls Central School District / 19,915 |
| 490. | 13.0% | Lansing Central School District / 7,346 |
| 493. | 13.0% | Keene Central School District / 891 |
| 494. | 13.0% | Alexander Central School District / 5,549 |
| 495. | 13.0% | Webster Central School District / 54,065 |
| 496. | 13.0% | Schenectady City School District / 65,366 |
| 497. | 13.0% | Moravia Central School District / 7,186 |
| 497. | 13.0% | Marathon Central School District / 4,545 |
| 499. | 12.9% | Pawling Central School District / 8,718 |
| 500. | 12.9% | Ravena-Coeymans-Selkirk Central School District / 13,738 |
| 501. | 12.9% | Williamsville Central School District / 71,888 |
| 502. | 12.8% | East Greenbush Central School District / 29,257 |
| 503. | 12.8% | Ithaca City School District / 65,413 |
| 504. | 12.8% | New York City Department Of Education / 8,078,471 |
| 504. | 12.8% | Schuylerville Central School District / 9,144 |
| 506. | 12.8% | Southern Cayuga Central School District / 6,969 |
| 506. | 12.8% | Plattsburgh City School District / 19,676 |
| 506. | 12.8% | Clinton Central School District / 12,223 |
| 509. | 12.8% | Middleburgh Central School District / 6,563 |
| 510. | 12.8% | Bronxville Union Free School District / 6,329 |
| 510. | 12.8% | Lake Placid Central School District / 6,453 |
| 510. | 12.8% | Victor Central School District / 21,203 |
| 513. | 12.7% | East Williston Union Free School District / 8,479 |
| 514. | 12.7% | Lynbrook Union Free School District / 16,935 |
| 515. | 12.7% | Randolph Central School District / 6,423 |
| 516. | 12.7% | Port Washington Union Free School District / 30,703 |
| 517. | 12.7% | Evans-Brant Central School District / 17,569 |
| 518. | 12.6% | Center Moriches Union Free School District / 8,064 |
| 519. | 12.6% | Westhill Central School District / 12,083 |
| 520. | 12.6% | Palmyra-Macedon Central School District / 12,493 |
| 521. | 12.6% | Schoharie Central School District / 7,336 |
| 521. | 12.6% | Cooperstown Central School District / 6,846 |
| 523. | 12.5% | Eden Central School District / 10,149 |
| 524. | 12.5% | Lisbon Central School District / 4,399 |
| 525. | 12.5% | Madrid-Waddington Central School District / 4,212 |
| 526. | 12.5% | Rush-Henrietta Central School District / 50,236 |
| 527. | 12.4% | Solvay Union Free School District / 10,014 |
| 528. | 12.4% | Wayland-Cohocton Central School District / 9,627 |
| 529. | 12.3% | Greene Central School District / 7,029 |
| 530. | 12.3% | Rondout Valley Central School District / 16,974 |
| 530. | 12.3% | Inlet Common School District / 475 |
| 532. | 12.2% | Byron-Bergen Central School District / 7,107 |
| 533. | 12.2% | Warrensburg Central School District / 5,731 |
| 533. | 12.2% | Broadalbin-Perth Central School District / 11,345 |
| 533. | 12.2% | Olean City School District / 15,947 |
| 536. | 12.2% | Oppenheim-Ephratah Central School District / 2,493 |
| 537. | 12.2% | Chenango Valley Central School District / 12,819 |
| 538. | 12.2% | Edmeston Central School District / 3,044 |
| 538. | 12.2% | Cold Spring Harbor Central School District / 8,323 |
| 540. | 12.2% | Corinth Central School District / 7,501 |
| 540. | 12.2% | Milford Central School District / 3,244 |
| 542. | 12.2% | Sauquoit Valley Central School District / 6,172 |
| 543. | 12.1% | Guilderland Central School District / 35,963 |
| 543. | 12.1% | Oswego City School District / 33,712 |
| 545. | 12.1% | Odessa-Montour Central School District / 5,735 |
| 546. | 12.1% | Southwestern Central School District / 9,060 |
| 547. | 12.0% | Cuba-Rushford Central School District / 6,295 |
| 548. | 12.0% | Baldwinsville Central School District / 34,573 |
| 548. | 12.0% | North Salem Central School District / 7,183 |
| 550. | 12.0% | Wheatland-Chili Central School District / 5,612 |
| 551. | 12.0% | Susquehanna Valley Central School District / 11,059 |
| 552. | 12.0% | Port Jefferson Union Free School District / 8,061 |
| 553. | 11.9% | Springville-Griffith Institute Central School District / 13,795 |
| 554. | 11.9% | Lewiston-Porter Central School District / 18,319 |
| 555. | 11.9% | Remsen Central School District / 3,170 |
| 556. | 11.8% | Hendrick Hudson Central School District / 15,519 |
| 556. | 11.8% | Johnsburg Central School District / 2,258 |
| 558. | 11.8% | Rye Neck Union Free School District / 8,527 |
| 559. | 11.7% | Merrick Union Free School District / 17,354 |
| 560. | 11.7% | Scio Central School District / 2,328 |
| 561. | 11.7% | Island Park Union Free School District / 8,465 |
| 562. | 11.7% | Franklinville Central School District / 4,484 |
| 563. | 11.6% | Beekmantown Central School District / 13,060 |
| 564. | 11.6% | General Brown Central School District / 8,710 |
| 565. | 11.6% | Owen D. Young Central School District / 1,776 |
| 566. | 11.6% | Marcellus Central School District / 10,574 |
| 566. | 11.6% | Dolgeville Central School District / 5,346 |
| 568. | 11.6% | Fabius-Pompey Central School District / 4,883 |
| 569. | 11.6% | Brasher Falls Central School District / 5,774 |
| 570. | 11.5% | Morris Central School District / 2,467 |
| 571. | 11.3% | Fire Island Union Free School District / 437 |
| 572. | 11.3% | Delhi Central School District / 7,953 |
| 573. | 11.2% | Tupper Lake Central School District / 6,285 |
| 574. | 11.2% | Northville Central School District / 2,824 |
| 575. | 11.2% | Fort Edward Union Free School District / 3,379 |
| 575. | 11.2% | Colton-Pierrepont Central School District / 2,686 |
| 577. | 11.2% | Westmoreland Central School District / 6,042 |
| 577. | 11.2% | Spencer-Van Etten Central School District / 5,846 |
| 579. | 11.1% | Pavilion Central School District / 4,601 |
| 579. | 11.1% | Alfred-Almond Central School District / 7,468 |
| 581. | 11.1% | Jefferson Central School District / 1,912 |
| 582. | 11.0% | Beaver River Central School District / 5,321 |
| 583. | 10.9% | McGraw Central School District / 3,483 |
| 584. | 10.9% | Dryden Central School District / 12,128 |
| 584. | 10.9% | Barker Central School District / 4,736 |
| 586. | 10.9% | Scarsdale Union Free School District / 17,667 |
| 587. | 10.9% | Attica Central School District / 13,529 |
| 588. | 10.9% | Sullivan West Central School District / 11,021 |
| 588. | 10.9% | Clyde-Savannah Central School District / 5,336 |
| 588. | 10.9% | Jasper-Troupsburg Central School District / 3,505 |
| 591. | 10.9% | Brockport Central School District / 27,105 |
| 592. | 10.8% | Holland Central School District / 6,412 |
| 593. | 10.8% | Frankfort-Schuyler Central School District / 7,238 |
| 594. | 10.8% | South Colonie Central School District / 39,971 |
| 595. | 10.8% | East Rochester Union Free School District / 8,881 |
| 596. | 10.7% | North Colonie Central School District / 38,487 |
| 597. | 10.7% | Shelter Island Union Free School District / 2,604 |
| 598. | 10.7% | Menands Union Free School District / 3,596 |
| 599. | 10.7% | Pleasantville Union Free School District / 7,944 |
| 600. | 10.6% | Onondaga Central School District / 6,345 |
| 601. | 10.5% | Fairport Central School District / 40,059 |
| 602. | 10.5% | Oxford Academy and Central School District / 5,579 |
| 603. | 10.4% | Salmon River Central School District / 6,653 |
| 604. | 10.4% | Hadley-Luzerne Central School District / 6,478 |
| 605. | 10.4% | Thousand Islands Central School District / 7,939 |
| 606. | 10.4% | Pine Plains Central School District / 9,301 |
| 607. | 10.4% | Burnt Hills-Ballston Lake Central School District / 18,557 |
| 608. | 10.2% | Wheelerville Union Free School District / 1,645 |
| 609. | 10.2% | Miller Place Union Free School District / 15,974 |
| 609. | 10.2% | Oakfield-Alabama Central School District / 5,290 |
| 611. | 10.2% | Elmira Heights Central School District / 7,030 |
| 612. | 10.1% | Andover Central School District / 2,528 |
| 613. | 10.0% | Saranac Lake Central School District / 13,571 |
| 614. | 9.9% | Sodus Central School District / 7,786 |
| 615. | 9.8% | Chateaugay Central School District / 3,223 |
| 616. | 9.7% | Grand Island Central School District / 19,974 |
| 617. | 9.7% | Pittsford Central School District / 33,790 |
| 618. | 9.6% | Briarcliff Manor Union Free School District / 7,902 |
| 619. | 9.6% | Gilboa-Conesville Central School District / 2,703 |
| 620. | 9.6% | Schodack Central School District / 6,886 |
| 621. | 9.5% | Adirondack Central School District / 8,825 |
| 621. | 9.5% | Akron Central School District / 10,009 |
| 623. | 9.5% | Hermon-DeKalb Central School District / 2,454 |
| 624. | 9.4% | Lake George Central School District / 6,774 |
| 625. | 9.4% | Waterford-Halfmoon Union Free School District / 5,703 |
| 626. | 9.4% | Byram Hills Central School District / 11,333 |
| 627. | 9.3% | Edinburg Common School District / 1,566 |
| 628. | 9.3% | Schenevus Central School District / 2,233 |
| 628. | 9.3% | Downsville Central School District / 2,578 |
| 628. | 9.3% | Canisteo-Greenwood Central School District / 5,684 |
| 631. | 9.3% | Silver Creek Central School District / 6,483 |
| 632. | 9.3% | Walton Central School District / 6,590 |
| 633. | 9.2% | New York Mills Union Free School District / 5,578 |
| 634. | 9.1% | Rye City School District / 14,508 |
| 635. | 9.1% | Falconer Central School District / 7,679 |
| 636. | 9.0% | Tully Central School District / 6,100 |
| 637. | 9.0% | Berne-Knox-Westerlo Central School District / 6,168 |
| 638. | 8.9% | Roscoe Central School District / 1,889 |
| 639. | 8.9% | Vestal Central School District / 32,051 |
| 640. | 8.9% | Fredonia Central School District / 14,762 |
| 641. | 8.8% | Spencerport Central School District / 23,878 |
| 642. | 8.7% | Norwood-Norfolk Central School District / 6,963 |
| 643. | 8.7% | Shenendehowa Central School District / 61,636 |
| 644. | 8.7% | Amagansett Union Free School District / 1,103 |
| 645. | 8.5% | Keshequa Central School District / 5,251 |
| 645. | 8.5% | Binghamton Common School District / 485 |
| 647. | 8.5% | New Hartford Central School District / 16,842 |
| 648. | 8.4% | Hannibal Central School District / 7,850 |
| 649. | 8.3% | Tioga Central School District / 5,021 |
| 650. | 8.3% | Pocantico Hills Central School District / 4,646 |
| 651. | 8.3% | Niskayuna Central School District / 23,300 |
| 652. | 8.2% | Bethlehem Central School District / 27,715 |
| 653. | 8.1% | Germantown Central School District / 4,299 |
| 653. | 8.1% | Dundee Central School District / 6,436 |
| 655. | 8.1% | Lyme Central School District / 2,377 |
| 656. | 8.0% | Sherburne-Earlville Central School District / 9,066 |
| 657. | 8.0% | Roxbury Central School District / 2,551 |
| 658. | 7.9% | Waverly Central School District / 10,313 |
| 659. | 7.8% | Geneseo Central School District / 11,194 |
| 660. | 7.8% | Tuckahoe Union Free School District / 7,678 |
| 661. | 7.6% | Otego-Unadilla Central School District / 7,403 |
| 661. | 7.6% | Belfast Central School District / 2,335 |
| 663. | 7.3% | Mayfield Central School District / 6,174 |
| 664. | 7.3% | Willsboro Central School District / 2,322 |
| 665. | 7.1% | West Valley Central School District / 2,303 |
| 666. | 7.1% | East Moriches Union Free School District / 5,221 |
| 667. | 7.0% | Bemus Point Central School District / 5,117 |
| 668. | 6.9% | Chautauqua Lake Central School District / 5,632 |
| 669. | 6.8% | Greenwich Central School District / 6,826 |
| 670. | 6.6% | Trumansburg Central School District / 7,289 |
| 671. | 6.5% | Wynantskill Union Free School District / 3,704 |
| 672. | 6.5% | Fallsburg Central School District / 11,161 |
| 673. | 6.3% | Harpursville Central School District / 5,996 |
| 674. | 6.1% | Marcus Whitman Central School District / 10,318 |
| 675. | 5.9% | Gananda Central School District / 5,409 |
| 676. | 5.8% | St. Regis Falls Central School District / 2,071 |
| 677. | 5.8% | Frewsburg Central School District / 5,033 |
| 678. | 5.8% | Greenport Union Free School District / 4,616 |
| 679. | 5.5% | Campbell-Savona Central School District / 6,000 |
| 680. | 5.3% | Livingston Manor Central School District / 3,578 |
| 681. | 4.8% | Alexandria Central School District / 3,851 |
| 682. | 4.6% | Quogue Union Free School District / 808 |
| 683. | 2.8% | Lake Pleasant Central School District / 708 |
Please note that we only rank locations with 'Percentage of Houses without a Mortgage where Total Holding Costs 20-30% 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 20-30% 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.
