| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 30-40% of Owner Income ▼ | School District / Population |
| 1. | 34.8% | Inlet Common School District / 425 |
| 2. | 23.6% | Putnam Central School District / 695 |
| 3. | 18.8% | Peekskill City School District / 23,569 |
| 4. | 18.3% | Miller Place Union Free School District / 17,326 |
| 5. | 18.0% | Pawling Central School District / 8,704 |
| 6. | 17.1% | Rockville Centre Union Free School District / 22,596 |
| 7. | 16.5% | Wyandanch Union Free School District / 11,005 |
| 8. | 16.4% | Bayport-Blue Point Union Free School District / 15,010 |
| 9. | 16.3% | Fallsburg Central School District / 11,058 |
| 10. | 16.2% | Watervliet City School District / 10,606 |
| 11. | 16.2% | Pembroke Central School District / 6,909 |
| 12. | 16.1% | Name N/A / 597 |
| 13. | 16.0% | Chazy Union Free School District / 3,065 |
| 14. | 15.8% | Copiague Union Free School District / 31,520 |
| 15. | 15.5% | Marlboro Central School District / 11,682 |
| 16. | 15.4% | Shelter Island Union Free School District / 2,705 |
| 17. | 15.1% | Argyle Central School District / 3,792 |
| 18. | 15.1% | Lake George Central School District / 6,747 |
| 19. | 14.6% | Patchogue-Medford Union Free School District / 52,517 |
| 20. | 14.5% | Brookfield Central School District / 1,043 |
| 21. | 14.5% | Eastport-South Manor Central School District / 18,241 |
| 22. | 14.4% | Pocantico Hills Central School District / 4,390 |
| 23. | 14.3% | Ossining Union Free School District / 33,137 |
| 24. | 14.1% | North Babylon Union Free School District / 31,805 |
| 25. | 14.1% | Friendship Central School District / 2,160 |
| 26. | 14.0% | North Shore Central School District / 15,985 |
| 27. | 14.0% | Irvington Union Free School District / 9,937 |
| 28. | 13.9% | Weedsport Central School District / 5,887 |
| 29. | 13.9% | Webb Town Union Free School District / 2,043 |
| 30. | 13.8% | Valley Stream Union Free School District 13 / 29,659 |
| 31. | 13.8% | Southold Union Free School District / 6,294 |
| 32. | 13.7% | Carle Place Union Free School District / 9,955 |
| 33. | 13.7% | Bellmore Union Free School District / 12,577 |
| 34. | 13.6% | Mount Sinai Union Free School District / 11,353 |
| 35. | 13.5% | Port Chester-Rye Union Free School District / 31,027 |
| 36. | 13.3% | Port Jervis City School District / 18,038 |
| 37. | 13.3% | Jefferson Central School District / 1,966 |
| 38. | 13.3% | McGraw Central School District / 3,554 |
| 39. | 13.3% | Cheektowaga-Maryvale Union Free School District / 17,940 |
| 40. | 13.3% | Baldwin Union Free School District / 33,643 |
| 41. | 13.2% | Herkimer Central School District / 9,391 |
| 42. | 13.1% | Hastings-on-Hudson Union Free School District / 8,599 |
| 42. | 13.1% | North Salem Central School District / 7,285 |
| 44. | 13.1% | Ellenville Central School District / 12,447 |
| 44. | 13.1% | South Glens Falls Central School District / 19,081 |
| 46. | 13.1% | Hewlett-Woodmere Union Free School District / 19,982 |
| 47. | 13.0% | Eldred Central School District / 4,734 |
| 48. | 13.0% | Geneseo Central School District / 11,116 |
| 49. | 12.9% | Norwood-Norfolk Central School District / 6,790 |
| 50. | 12.8% | Albion Central School District / 15,780 |
| 51. | 12.8% | Pleasantville Union Free School District / 8,130 |
| 52. | 12.7% | Lyndonville Central School District / 4,261 |
| 53. | 12.7% | Tuxedo Union Free School District / 2,929 |
| 54. | 12.7% | Franklin Square Union Free School District / 24,458 |
| 55. | 12.6% | Riverhead Central School District / 39,030 |
| 56. | 12.5% | Brentwood Union Free School District / 80,867 |
| 57. | 12.5% | Dolgeville Central School District / 4,998 |
| 58. | 12.5% | Hempstead Union Free School District / 43,246 |
| 59. | 12.4% | East Quogue Union Free School District / 5,021 |
| 60. | 12.4% | West Islip Union Free School District / 29,580 |
| 61. | 12.3% | Garrison Union Free School District / 2,945 |
| 62. | 12.2% | Oysterponds Union Free School District / 2,077 |
| 63. | 12.2% | Wallkill Central School District / 21,302 |
| 64. | 12.2% | West Valley Central School District / 2,334 |
| 65. | 12.1% | Katonah-Lewisboro Union Free School District / 19,114 |
| 66. | 12.1% | Gananda Central School District / 5,078 |
| 67. | 12.0% | Homer Central School District / 12,501 |
| 67. | 12.0% | Amagansett Union Free School District / 1,086 |
| 69. | 12.0% | Rensselaer City School District / 7,838 |
| 70. | 11.9% | Gilbertsville-Mount Upton Central School District / 2,957 |
| 71. | 11.9% | Hinsdale Central School District / 2,568 |
| 72. | 11.9% | Locust Valley Central School District / 16,288 |
| 73. | 11.8% | Forestville Central School District / 3,195 |
| 73. | 11.8% | Margaretville Central School District / 4,075 |
| 75. | 11.7% | Highland Falls Central School District / 12,823 |
| 76. | 11.7% | Ogdensburg City School District / 12,137 |
| 77. | 11.7% | Little Falls City School District / 7,100 |
| 78. | 11.7% | Huntington Union Free School District / 34,248 |
| 78. | 11.7% | Tuckahoe Common School District / 3,136 |
| 78. | 11.7% | Altmar-Parish-Williamstown Central School District / 7,579 |
| 81. | 11.7% | New Hyde Park-Garden City Park Union Free School District / 22,754 |
| 82. | 11.7% | Central Islip Union Free School District / 36,044 |
| 83. | 11.6% | Catskill Central School District / 12,298 |
| 84. | 11.6% | Lynbrook Union Free School District / 17,739 |
| 85. | 11.6% | Freeport Union Free School District / 41,341 |
| 85. | 11.6% | West Babylon Union Free School District / 29,072 |
| 87. | 11.6% | Long Beach City School District / 41,131 |
| 88. | 11.5% | Pine Plains Central School District / 9,315 |
| 89. | 11.5% | Lindenhurst Union Free School District / 43,623 |
| 90. | 11.5% | Sagaponack Common School District / 263 |
| 91. | 11.5% | Piseco Common School District / 224 |
| 92. | 11.5% | Valley Stream Central High School District / 59,347 |
| 93. | 11.4% | Barker Central School District / 4,674 |
| 94. | 11.4% | Fishers Island Union Free School District / 256 |
| 94. | 11.4% | Wynantskill Union Free School District / 3,698 |
| 96. | 11.4% | Farmingdale Union Free School District / 42,078 |
| 97. | 11.3% | Franklin Central School District / 2,267 |
| 98. | 11.3% | Syosset Central School District / 35,394 |
| 99. | 11.2% | Mount Vernon City School District / 68,482 |
| 100. | 11.2% | Port Washington Union Free School District / 31,563 |
| 101. | 11.2% | Prattsburgh Central School District / 2,658 |
| 102. | 11.1% | Hudson City School District / 16,019 |
| 103. | 11.1% | Union Springs Central School District / 6,028 |
| 104. | 11.1% | Bolton Central School District / 2,161 |
| 104. | 11.1% | Parishville-Hopkinton Central School District / 2,542 |
| 106. | 11.1% | Manchester-Shortsville Central School District / 5,894 |
| 107. | 11.0% | Clifton-Fine Central School District / 2,072 |
| 108. | 11.0% | Bethpage Union Free School District / 20,579 |
| 108. | 11.0% | Middle Country Central School District / 63,926 |
| 110. | 11.0% | North Merrick Union Free School District / 14,390 |
| 111. | 11.0% | Schenectady City School District / 61,327 |
| 112. | 10.9% | Canastota Central School District / 9,918 |
| 113. | 10.9% | Chappaqua Central School District / 17,115 |
| 114. | 10.8% | Arlington Central School District / 58,948 |
| 115. | 10.8% | Saranac Lake Central School District / 13,073 |
| 116. | 10.8% | Mahopac Central School District / 25,837 |
| 117. | 10.8% | Stamford Central School District / 2,542 |
| 118. | 10.8% | AuSable Valley Central School District / 9,119 |
| 119. | 10.7% | Moriah Central School District / 4,558 |
| 120. | 10.7% | Canaseraga Central School District / 1,751 |
| 121. | 10.6% | Dover Union Free School District / 10,862 |
| 121. | 10.6% | Cold Spring Harbor Central School District / 8,058 |
| 123. | 10.6% | Warrensburg Central School District / 6,270 |
| 123. | 10.6% | Holley Central School District / 7,330 |
| 125. | 10.6% | Massapequa Union Free School District / 49,168 |
| 126. | 10.6% | Medina Central School District / 10,608 |
| 127. | 10.6% | New Lebanon Central School District / 4,359 |
| 127. | 10.6% | Nyack Union Free School District / 24,771 |
| 129. | 10.5% | Frankfort-Schuyler Central School District / 6,991 |
| 130. | 10.5% | Ballston Spa Central School District / 26,188 |
| 131. | 10.5% | Troy City School District / 37,313 |
| 132. | 10.5% | West Hempstead Union Free School District / 17,045 |
| 133. | 10.5% | Morristown Central School District / 2,992 |
| 133. | 10.5% | Scio Central School District / 2,264 |
| 135. | 10.4% | Falconer Central School District / 7,278 |
| 136. | 10.4% | Half Hollow Hills Central School District / 48,074 |
| 136. | 10.4% | Wantagh Union Free School District / 17,187 |
| 138. | 10.4% | Plainedge Union Free School District / 20,698 |
| 139. | 10.3% | Rochester City School District / 208,015 |
| 140. | 10.3% | Newfane Central School District / 10,335 |
| 141. | 10.3% | Name N/A / 250,241 |
| 141. | 10.3% | Chenango Valley Central School District / 12,749 |
| 141. | 10.3% | Mayfield Central School District / 6,473 |
| 144. | 10.3% | Hornell City School District / 10,501 |
| 144. | 10.3% | Raquette Lake Union Free School District / 107 |
| 146. | 10.2% | Pearl River Union Free School District / 16,083 |
| 147. | 10.2% | St. Regis Falls Central School District / 2,086 |
| 147. | 10.2% | New Rochelle City School District / 73,723 |
| 147. | 10.2% | Glen Cove City School District / 26,967 |
| 147. | 10.2% | Lockport City School District / 35,975 |
| 151. | 10.2% | East Rochester Union Free School District / 8,604 |
| 152. | 10.2% | Plainview-Old Bethpage Central School District / 29,371 |
| 153. | 10.1% | Washingtonville Central School District / 25,756 |
| 154. | 10.1% | Sewanhaka Central High School District / 118,792 |
| 155. | 10.1% | Levittown Union Free School District / 47,224 |
| 155. | 10.1% | Bay Shore Union Free School District / 36,331 |
| 157. | 10.1% | South Huntington Union Free School District / 38,229 |
| 158. | 10.1% | Valley Stream Union Free School District 24 / 13,079 |
| 159. | 10.1% | Manhasset Union Free School District / 16,842 |
| 160. | 10.0% | Laurens Central School District / 2,936 |
| 161. | 10.0% | Lakeland Central School District / 35,584 |
| 162. | 10.0% | Great Neck Union Free School District / 44,953 |
| 162. | 10.0% | Monticello Central School District / 20,976 |
| 164. | 9.9% | Niagara Falls City School District / 51,594 |
| 164. | 9.9% | Niagara-Wheatfield Central School District / 26,971 |
| 164. | 9.9% | Smithtown Central School District / 58,386 |
| 167. | 9.9% | Harborfields Central School District / 18,837 |
| 168. | 9.9% | Hartford Central School District / 3,035 |
| 169. | 9.8% | Monroe-Woodbury Central School District / 37,937 |
| 170. | 9.8% | Webster Central School District / 53,326 |
| 170. | 9.8% | Queensbury Union Free School District / 21,479 |
| 170. | 9.8% | Cazenovia Central School District / 10,497 |
| 173. | 9.8% | Lyons Central School District / 6,614 |
| 173. | 9.8% | Haldane Central School District / 5,291 |
| 175. | 9.8% | Cohoes City School District / 15,109 |
| 175. | 9.8% | Mount Morris Central School District / 6,026 |
| 175. | 9.8% | Johnsburg Central School District / 2,674 |
| 178. | 9.8% | Lackawanna City School District / 17,746 |
| 179. | 9.8% | Bellmore-Merrick Central High School District / 72,102 |
| 179. | 9.8% | Mechanicville City School District / 9,039 |
| 181. | 9.7% | York Central School District / 4,939 |
| 182. | 9.7% | Mamaroneck Union Free School District / 28,585 |
| 183. | 9.7% | Ripley Central School District / 2,104 |
| 184. | 9.7% | Schalmont Central School District / 14,043 |
| 185. | 9.7% | Westmoreland Central School District / 6,010 |
| 186. | 9.6% | Taconic Hills Central School District / 11,758 |
| 187. | 9.6% | Uniondale Union Free School District / 41,443 |
| 188. | 9.6% | Dobbs Ferry Union Free School District / 9,210 |
| 189. | 9.6% | Elmira Heights Central School District / 7,088 |
| 190. | 9.6% | Fairport Central School District / 39,564 |
| 191. | 9.5% | Schroon Lake Central School District / 2,396 |
| 192. | 9.5% | East Aurora Union Free School District / 12,539 |
| 193. | 9.5% | Goshen Central School District / 18,306 |
| 193. | 9.5% | Cheektowaga-Sloan Union Free School District / 11,559 |
| 195. | 9.5% | Orchard Park Central School District / 32,527 |
| 195. | 9.5% | Whitesville Central School District / 1,016 |
| 197. | 9.5% | Malverne Union Free School District / 14,680 |
| 197. | 9.5% | Auburn City School District / 33,331 |
| 199. | 9.5% | Willsboro Central School District / 2,253 |
| 200. | 9.5% | Skaneateles Central School District / 9,312 |
| 201. | 9.4% | Red Hook Central School District / 13,354 |
| 202. | 9.4% | Valley Central School District / 28,237 |
| 203. | 9.4% | Briarcliff Manor Union Free School District / 7,912 |
| 204. | 9.4% | Hilton Central School District / 25,261 |
| 205. | 9.4% | South Orangetown Central School District / 19,219 |
| 205. | 9.4% | Clyde-Savannah Central School District / 5,304 |
| 207. | 9.4% | Dryden Central School District / 12,492 |
| 207. | 9.4% | Royalton-Hartland Central School District / 9,069 |
| 209. | 9.4% | Marcellus Central School District / 10,399 |
| 210. | 9.3% | Spencerport Central School District / 24,546 |
| 210. | 9.3% | Kingston City School District / 50,922 |
| 212. | 9.3% | Westhill Central School District / 11,928 |
| 213. | 9.3% | Johnstown City School District / 11,209 |
| 213. | 9.3% | Lancaster Central School District / 40,605 |
| 215. | 9.3% | Fonda-Fultonville Central School District / 8,379 |
| 216. | 9.3% | Hicksville Union Free School District / 40,946 |
| 217. | 9.3% | Cambridge Central School District / 6,661 |
| 218. | 9.2% | Cheektowaga Central School District / 21,853 |
| 219. | 9.2% | Southwestern Central School District / 9,327 |
| 220. | 9.2% | Williamsville Central School District / 69,040 |
| 221. | 9.1% | Batavia City School District / 18,353 |
| 222. | 9.1% | Moravia Central School District / 6,795 |
| 223. | 9.1% | Montauk Union Free School District / 3,258 |
| 224. | 9.1% | Westfield Central School District / 5,260 |
| 225. | 9.0% | East Ramapo Central School District / 100,363 |
| 225. | 9.0% | Coxsackie-Athens Central School District / 12,988 |
| 227. | 9.0% | Dunkirk City School District / 13,896 |
| 228. | 9.0% | Indian River Central School District / 13,935 |
| 229. | 9.0% | Merrick Union Free School District / 18,213 |
| 229. | 9.0% | Afton Central School District / 4,342 |
| 231. | 9.0% | Evans-Brant Central School District / 17,965 |
| 232. | 9.0% | Lawrence Union Free School District / 35,964 |
| 232. | 9.0% | Onteora Central School District / 16,324 |
| 234. | 9.0% | Pulaski Central School District / 5,905 |
| 235. | 8.9% | Belfast Central School District / 2,262 |
| 236. | 8.9% | Alexandria Central School District / 4,099 |
| 237. | 8.9% | Minerva Central School District / 602 |
| 238. | 8.9% | Gouverneur Central School District / 11,324 |
| 239. | 8.9% | Rotterdam-Mohonasen Central School District / 21,114 |
| 239. | 8.9% | Utica City School District / 58,232 |
| 241. | 8.9% | Longwood Central School District / 63,690 |
| 242. | 8.9% | East Williston Union Free School District / 9,213 |
| 243. | 8.8% | Sullivan West Central School District / 11,153 |
| 244. | 8.8% | Gloversville City School District / 18,538 |
| 244. | 8.8% | Waterloo Central School District / 11,816 |
| 246. | 8.8% | Highland Central School District / 11,850 |
| 247. | 8.8% | Eastchester Union Free School District / 17,489 |
| 248. | 8.8% | Norwich City School District / 13,158 |
| 249. | 8.7% | Amityville Union Free School District / 25,004 |
| 250. | 8.7% | Binghamton City School District / 44,803 |
| 251. | 8.7% | East Meadow Union Free School District / 51,884 |
| 251. | 8.7% | Granville Central School District / 7,412 |
| 253. | 8.7% | Naples Central School District / 5,153 |
| 254. | 8.7% | Amherst Central School District / 23,262 |
| 255. | 8.7% | Yonkers City School District / 199,055 |
| 256. | 8.7% | Tully Central School District / 6,103 |
| 257. | 8.7% | Spencer-Van Etten Central School District / 5,621 |
| 258. | 8.6% | Rye Neck Union Free School District / 8,382 |
| 259. | 8.6% | Belleville Henderson Central School District / 4,062 |
| 260. | 8.6% | Cornwall Central School District / 16,379 |
| 260. | 8.6% | Saratoga Springs City School District / 51,429 |
| 262. | 8.6% | Rome City School District / 39,874 |
| 263. | 8.6% | Addison Central School District / 7,219 |
| 264. | 8.6% | Fort Plain Central School District / 5,551 |
| 265. | 8.6% | Sag Harbor Union Free School District / 7,213 |
| 266. | 8.5% | Sachem Central School District / 87,504 |
| 267. | 8.5% | Brocton Central School District / 4,984 |
| 268. | 8.5% | West Seneca Central School District / 52,715 |
| 269. | 8.5% | Croton-Harmon Union Free School District / 9,128 |
| 269. | 8.5% | East Hampton Union Free School District / 9,043 |
| 271. | 8.5% | Gilboa-Conesville Central School District / 2,513 |
| 272. | 8.4% | St. Johnsville Central School District / 3,111 |
| 273. | 8.4% | South Kortright Central School District / 2,458 |
| 273. | 8.4% | Northeastern Clinton Central School District / 9,022 |
| 275. | 8.4% | Oyster Bay-East Norwich Central School District / 12,645 |
| 276. | 8.4% | Elmont Union Free School District / 51,603 |
| 276. | 8.4% | North Warren Central School District / 4,960 |
| 278. | 8.4% | Amsterdam City School District / 24,613 |
| 278. | 8.4% | Georgetown-South Otselic Central School District / 2,645 |
| 278. | 8.4% | Watertown City School District / 32,016 |
| 281. | 8.4% | Sayville Union Free School District / 18,422 |
| 282. | 8.3% | Chatham Central School District / 8,995 |
| 283. | 8.3% | Ardsley Union Free School District / 10,480 |
| 283. | 8.3% | Hauppauge Union Free School District / 23,926 |
| 285. | 8.3% | Wappingers Central School District / 70,918 |
| 286. | 8.3% | Islip Union Free School District / 19,812 |
| 286. | 8.3% | Syracuse City School District / 139,657 |
| 286. | 8.3% | New York Mills Union Free School District / 5,613 |
| 289. | 8.2% | Fort Ann Central School District / 6,244 |
| 290. | 8.2% | Garden City Union Free School District / 22,312 |
| 291. | 8.2% | Seaford Union Free School District / 16,495 |
| 292. | 8.1% | Seneca Falls Central School District / 9,635 |
| 292. | 8.1% | Newburgh City School District / 66,272 |
| 294. | 8.0% | Hannibal Central School District / 8,325 |
| 295. | 8.0% | Milford Central School District / 3,304 |
| 296. | 8.0% | Kinderhook Central School District / 13,705 |
| 297. | 8.0% | Keshequa Central School District / 4,897 |
| 298. | 8.0% | Sherman Central School District / 3,262 |
| 298. | 8.0% | Penfield Central School District / 30,568 |
| 298. | 8.0% | Oxford Academy and Central School District / 5,639 |
| 301. | 8.0% | Deer Park Union Free School District / 26,767 |
| 302. | 7.9% | Connetquot Central School District / 41,649 |
| 303. | 7.9% | Yorkshire-Pioneer Central School District / 16,229 |
| 304. | 7.9% | Otego-Unadilla Central School District / 7,488 |
| 304. | 7.9% | Letchworth Central School District / 6,242 |
| 304. | 7.9% | Madrid-Waddington Central School District / 4,115 |
| 307. | 7.9% | Elmira City School District / 48,552 |
| 308. | 7.8% | Elizabethtown-Lewis Central School District / 2,470 |
| 309. | 7.8% | Edwards-Knox Central School District / 2,889 |
| 309. | 7.8% | Pelham Union Free School District / 11,891 |
| 309. | 7.8% | Mount Pleasant Central School District / 13,142 |
| 312. | 7.8% | Oceanside Union Free School District / 37,038 |
| 312. | 7.8% | Northport-East Northport Union Free School District / 38,451 |
| 314. | 7.8% | Poughkeepsie City School District / 29,536 |
| 314. | 7.8% | Attica Central School District / 13,214 |
| 314. | 7.8% | Byron-Bergen Central School District / 6,944 |
| 317. | 7.8% | Lake Placid Central School District / 6,468 |
| 318. | 7.8% | Charlotte Valley Central School District / 3,191 |
| 319. | 7.8% | Kendall Central School District / 5,171 |
| 320. | 7.7% | Waverly Central School District / 10,420 |
| 320. | 7.7% | Bloomfield Central School District / 6,543 |
| 320. | 7.7% | Roslyn Union Free School District / 17,106 |
| 320. | 7.7% | Brockport Central School District / 26,587 |
| 324. | 7.7% | Clinton Central School District / 11,693 |
| 325. | 7.7% | Germantown Central School District / 3,814 |
| 326. | 7.7% | Carmel Central School District / 31,367 |
| 327. | 7.7% | Hammond Central School District / 1,821 |
| 327. | 7.7% | Perry Central School District / 5,838 |
| 327. | 7.7% | Yorktown Central School District / 21,334 |
| 330. | 7.7% | Southampton Union Free School District / 12,523 |
| 331. | 7.7% | Stockbridge Valley Central School District / 3,100 |
| 332. | 7.7% | Floral Park-Bellerose Union Free School District / 19,977 |
| 333. | 7.7% | Brewster Central School District / 21,169 |
| 334. | 7.6% | Canton Central School District / 10,972 |
| 335. | 7.6% | Kings Park Central School District / 23,271 |
| 335. | 7.6% | Westport Central School District / 1,402 |
| 337. | 7.6% | Watkins Glen Central School District / 8,532 |
| 337. | 7.6% | Center Moriches Union Free School District / 7,944 |
| 337. | 7.6% | Greece Central School District / 79,974 |
| 337. | 7.6% | Sweet Home Central School District / 34,145 |
| 341. | 7.6% | Livingston Manor Central School District / 3,535 |
| 342. | 7.6% | Island Park Union Free School District / 8,399 |
| 343. | 7.6% | Lansingburgh Central School District / 17,286 |
| 343. | 7.6% | Kenmore-Tonawanda Union Free School District / 65,828 |
| 345. | 7.5% | North Bellmore Union Free School District / 26,922 |
| 346. | 7.5% | West Genesee Central School District / 30,355 |
| 347. | 7.5% | Rye City School District / 14,108 |
| 347. | 7.5% | Chautauqua Lake Central School District / 5,742 |
| 349. | 7.5% | Three Village Central School District / 47,462 |
| 350. | 7.5% | South Seneca Central School District / 6,859 |
| 351. | 7.5% | Cortland City School District / 23,660 |
| 351. | 7.5% | Buffalo City School District / 273,335 |
| 353. | 7.5% | Phoenix Central School District / 11,805 |
| 353. | 7.5% | Middletown City School District / 38,838 |
| 355. | 7.5% | Gates-Chili Central School District / 33,425 |
| 356. | 7.5% | Pittsford Central School District / 32,631 |
| 357. | 7.5% | Herricks Union Free School District / 25,104 |
| 358. | 7.4% | Hamilton Central School District / 6,287 |
| 359. | 7.4% | Edmeston Central School District / 3,134 |
| 359. | 7.4% | New Hartford Central School District / 15,970 |
| 361. | 7.4% | Avon Central School District / 6,615 |
| 361. | 7.4% | East Irondequoit Central School District / 26,569 |
| 363. | 7.4% | Haverstraw-Stony Point Central School District / 47,131 |
| 364. | 7.4% | East Moriches Union Free School District / 5,279 |
| 365. | 7.4% | Island Trees Union Free School District / 16,249 |
| 366. | 7.4% | Jericho Union Free School District / 15,909 |
| 366. | 7.4% | New York City Department Of Education / 8,302,659 |
| 368. | 7.3% | Glens Falls Common School District / 2,251 |
| 369. | 7.3% | Clarence Central School District / 25,040 |
| 370. | 7.3% | Iroquois Central School District / 17,100 |
| 371. | 7.3% | Minisink Valley Central School District / 23,460 |
| 371. | 7.3% | Oppenheim-Ephratah Central School District / 2,810 |
| 373. | 7.3% | Whitehall Central School District / 5,081 |
| 374. | 7.2% | Poland Central School District / 3,938 |
| 375. | 7.2% | Wyoming Central School District / 1,902 |
| 376. | 7.2% | Schenevus Central School District / 2,447 |
| 377. | 7.2% | Penn Yan Central School District / 15,200 |
| 378. | 7.2% | East Islip Union Free School District / 26,053 |
| 378. | 7.2% | Springs Union Free School District / 7,302 |
| 380. | 7.1% | Cato-Meridian Central School District / 6,739 |
| 380. | 7.1% | Tuckahoe Union Free School District / 7,447 |
| 380. | 7.1% | Dansville Central School District / 9,798 |
| 380. | 7.1% | Livonia Central School District / 10,207 |
| 380. | 7.1% | Malone Central School District / 20,442 |
| 385. | 7.1% | Greenport Union Free School District / 4,432 |
| 386. | 7.1% | Richfield Springs Central School District / 4,059 |
| 387. | 7.1% | Mineola Union Free School District / 23,429 |
| 388. | 7.1% | Salem Central School District / 3,864 |
| 389. | 7.1% | Carthage Central School District / 15,728 |
| 390. | 7.1% | Andes Central School District / 1,077 |
| 390. | 7.1% | Bridgehampton Union Free School District / 1,069 |
| 392. | 7.1% | Liberty Central School District / 10,345 |
| 393. | 7.0% | LaFargeville Central School District / 3,201 |
| 394. | 7.0% | Franklinville Central School District / 4,501 |
| 395. | 7.0% | Liverpool Central School District / 50,633 |
| 396. | 6.9% | Scarsdale Union Free School District / 18,201 |
| 396. | 6.9% | William Floyd Union Free School District / 51,117 |
| 398. | 6.9% | Westbury Union Free School District / 24,414 |
| 399. | 6.9% | Port Byron Central School District / 5,261 |
| 400. | 6.8% | Saugerties Central School District / 20,578 |
| 400. | 6.8% | Northville Central School District / 2,987 |
| 402. | 6.8% | Silver Creek Central School District / 6,638 |
| 402. | 6.8% | Allegany-Limestone Central School District / 9,470 |
| 402. | 6.8% | Green Island Union Free School District / 2,523 |
| 405. | 6.8% | DeRuyter Central School District / 2,676 |
| 406. | 6.8% | Berlin Central School District / 6,446 |
| 407. | 6.8% | East Rockaway Union Free School District / 10,912 |
| 407. | 6.8% | Scotia-Glenville Central School District / 18,616 |
| 409. | 6.7% | Palmyra-Macedon Central School District / 12,042 |
| 410. | 6.7% | North Tonawanda City School District / 31,362 |
| 410. | 6.7% | Hamburg Central School District / 24,690 |
| 412. | 6.7% | East Greenbush Central School District / 28,689 |
| 413. | 6.7% | Jasper-Troupsburg Central School District / 3,087 |
| 414. | 6.6% | Burnt Hills-Ballston Lake Central School District / 18,107 |
| 414. | 6.6% | Starpoint Central School District / 16,646 |
| 416. | 6.6% | Whitney Point Central School District / 9,036 |
| 417. | 6.6% | The Tarrytowns Union Free School District / 19,413 |
| 418. | 6.6% | Newark Valley Central School District / 7,678 |
| 419. | 6.5% | Sodus Central School District / 7,859 |
| 420. | 6.5% | Shoreham-Wading River Central School District / 14,689 |
| 421. | 6.5% | Clarkstown Central School District / 48,717 |
| 422. | 6.5% | Valley Stream Union Free School District 30 / 16,609 |
| 422. | 6.5% | Worcester Central School District / 2,744 |
| 424. | 6.5% | Hyde Park Central School District / 31,111 |
| 424. | 6.5% | Byram Hills Central School District / 11,656 |
| 426. | 6.5% | Avoca Central School District / 3,409 |
| 427. | 6.4% | Sharon Springs Central School District / 2,096 |
| 428. | 6.4% | Ramapo Central School District / 27,701 |
| 428. | 6.4% | Greenburgh Central School District / 22,461 |
| 428. | 6.4% | Cobleskill-Richmondville Central School District / 13,155 |
| 431. | 6.4% | Delhi Central School District / 7,522 |
| 431. | 6.4% | Horseheads Central School District / 26,638 |
| 433. | 6.4% | Pavilion Central School District / 4,681 |
| 434. | 6.4% | Cleveland Hill Union Free School District / 11,140 |
| 435. | 6.4% | Greenwich Central School District / 6,972 |
| 436. | 6.3% | Depew Union Free School District / 15,102 |
| 437. | 6.3% | Cassadaga Valley Central School District / 7,088 |
| 438. | 6.3% | Quogue Union Free School District / 979 |
| 438. | 6.3% | Commack Union Free School District / 38,374 |
| 440. | 6.3% | Alexander Central School District / 5,221 |
| 440. | 6.3% | South Country Central School District / 28,994 |
| 442. | 6.3% | Trumansburg Central School District / 7,452 |
| 443. | 6.3% | Ilion Central School District / 9,263 |
| 443. | 6.3% | Johnson City Central School District / 19,583 |
| 445. | 6.3% | White Plains City School District / 57,181 |
| 446. | 6.2% | Oswego City School District / 32,976 |
| 446. | 6.2% | Schodack Central School District / 7,417 |
| 446. | 6.2% | Arkport Central School District / 2,888 |
| 449. | 6.2% | Bethlehem Central School District / 26,790 |
| 449. | 6.2% | East Syracuse-Minoa Central School District / 21,786 |
| 451. | 6.2% | Bedford Central School District / 28,063 |
| 452. | 6.2% | Bainbridge-Guilford Central School District / 5,098 |
| 453. | 6.1% | Westhampton Beach Union Free School District / 6,615 |
| 454. | 6.1% | Eden Central School District / 9,827 |
| 454. | 6.1% | Jamesville-DeWitt Central School District / 16,499 |
| 456. | 6.1% | Northeast Central School District / 7,353 |
| 456. | 6.1% | Marathon Central School District / 4,453 |
| 458. | 6.1% | Rhinebeck Central School District / 11,450 |
| 459. | 6.1% | Mohawk Central School District / 5,273 |
| 460. | 6.0% | Elmsford Union Free School District / 7,928 |
| 460. | 6.0% | Tonawanda City School District / 14,949 |
| 462. | 6.0% | Frontier Central School District / 34,366 |
| 463. | 6.0% | New Paltz Central School District / 19,823 |
| 464. | 6.0% | Union-Endicott Central School District / 30,177 |
| 464. | 6.0% | Rondout Valley Central School District / 17,486 |
| 466. | 5.9% | Olean City School District / 15,672 |
| 467. | 5.9% | Albany City School District / 93,878 |
| 467. | 5.9% | Jamestown City School District / 31,113 |
| 469. | 5.9% | Red Creek Central School District / 6,759 |
| 469. | 5.9% | Whitesboro Central School District / 26,651 |
| 471. | 5.9% | Colton-Pierrepont Central School District / 2,580 |
| 472. | 5.9% | Middleburgh Central School District / 6,568 |
| 473. | 5.8% | Heuvelton Central School District / 3,824 |
| 474. | 5.8% | Cooperstown Central School District / 6,777 |
| 475. | 5.8% | Onondaga Central School District / 6,103 |
| 476. | 5.8% | Edinburg Common School District / 1,510 |
| 476. | 5.8% | Ithaca City School District / 64,675 |
| 476. | 5.8% | Wayland-Cohocton Central School District / 9,548 |
| 479. | 5.8% | Marcus Whitman Central School District / 9,776 |
| 480. | 5.8% | Hoosick Falls Central School District / 8,031 |
| 481. | 5.8% | Keene Central School District / 936 |
| 481. | 5.8% | Fulton City School District / 20,076 |
| 481. | 5.8% | Remsen Central School District / 3,248 |
| 484. | 5.8% | Mattituck-Cutchogue Union Free School District / 9,372 |
| 485. | 5.7% | Central Square Central School District / 24,623 |
| 486. | 5.7% | Grand Island Central School District / 18,879 |
| 487. | 5.7% | Canisteo-Greenwood Central School District / 5,938 |
| 487. | 5.7% | Lansing Central School District / 7,312 |
| 489. | 5.7% | Cattaraugus-Little Valley Central School District / 6,692 |
| 490. | 5.7% | Elwood Union Free School District / 12,788 |
| 491. | 5.6% | West Irondequoit Central School District / 23,596 |
| 491. | 5.6% | Rocky Point Union Free School District / 17,102 |
| 493. | 5.6% | Jordan-Elbridge Central School District / 8,637 |
| 493. | 5.6% | Pine Bush Central School District / 32,224 |
| 495. | 5.6% | Lyme Central School District / 2,629 |
| 496. | 5.6% | Portville Central School District / 4,925 |
| 497. | 5.5% | Voorheesville Central School District / 7,791 |
| 498. | 5.5% | Walton Central School District / 6,467 |
| 499. | 5.5% | Brighton Central School District / 23,543 |
| 500. | 5.5% | Blind Brook-Rye Union Free School District / 6,427 |
| 501. | 5.4% | Sidney Central School District / 7,243 |
| 502. | 5.4% | Tri-Valley Central School District / 6,263 |
| 503. | 5.4% | Broadalbin-Perth Central School District / 11,335 |
| 504. | 5.4% | Putnam Valley Central School District / 10,024 |
| 505. | 5.4% | Hampton Bays Union Free School District / 13,464 |
| 505. | 5.4% | Adirondack Central School District / 8,850 |
| 507. | 5.3% | Chester Union Free School District / 6,193 |
| 507. | 5.3% | Hudson Falls Central School District / 14,616 |
| 507. | 5.3% | South Jefferson Central School District / 10,865 |
| 507. | 5.3% | Berne-Knox-Westerlo Central School District / 6,568 |
| 511. | 5.3% | Harrison Central School District / 26,523 |
| 512. | 5.3% | Windham-Ashland-Jewett Central School District / 3,051 |
| 513. | 5.3% | Bemus Point Central School District / 5,363 |
| 513. | 5.3% | Oneida City School District / 15,017 |
| 515. | 5.3% | Chenango Forks Central School District / 9,156 |
| 516. | 5.3% | Lyncourt Union Free School District / 3,789 |
| 516. | 5.3% | Lisbon Central School District / 3,768 |
| 518. | 5.3% | Campbell-Savona Central School District / 6,036 |
| 519. | 5.2% | Harrisville Central School District / 2,820 |
| 519. | 5.2% | Akron Central School District / 9,522 |
| 521. | 5.2% | Randolph Central School District / 6,522 |
| 522. | 5.2% | Brookhaven-Comsewogue Union Free School District / 23,586 |
| 522. | 5.2% | Genesee Valley Central School District at Angelica-Belmont / 3,633 |
| 524. | 5.2% | Sandy Creek Central School District / 5,793 |
| 524. | 5.2% | Northern Adirondack Central School District / 6,385 |
| 526. | 5.2% | Babylon Union Free School District / 11,967 |
| 526. | 5.2% | Corinth Central School District / 7,415 |
| 528. | 5.1% | Waterville Central School District / 6,213 |
| 529. | 5.1% | Newcomb Central School District / 396 |
| 529. | 5.1% | Geneva City School District / 17,497 |
| 531. | 5.1% | Victor Central School District / 19,701 |
| 532. | 5.1% | Valhalla Union Free School District / 8,811 |
| 533. | 5.1% | Fillmore Central School District / 5,313 |
| 533. | 5.1% | Newfield Central School District / 5,458 |
| 535. | 5.1% | Owego-Apalachin Central School District / 14,582 |
| 536. | 5.1% | Cuba-Rushford Central School District / 6,379 |
| 537. | 5.0% | Shenendehowa Central School District / 60,657 |
| 538. | 5.0% | Bolivar-Richburg Central School District / 4,789 |
| 539. | 5.0% | Beaver River Central School District / 5,396 |
| 540. | 5.0% | South Lewis Central School District / 7,037 |
| 541. | 4.9% | Spackenkill Union Free School District / 9,185 |
| 542. | 4.9% | Hermon-DeKalb Central School District / 2,404 |
| 543. | 4.9% | Frewsburg Central School District / 4,908 |
| 544. | 4.9% | Cairo-Durham Central School District / 9,884 |
| 545. | 4.9% | Fayetteville-Manlius Central School District / 24,681 |
| 545. | 4.9% | Mexico Central School District / 12,289 |
| 547. | 4.8% | Rush-Henrietta Central School District / 53,405 |
| 547. | 4.8% | Hammondsport Central School District / 4,377 |
| 549. | 4.8% | Kiryas Joel Village Union Free School District / 20,761 |
| 550. | 4.8% | Maine-Endwell Central School District / 15,085 |
| 551. | 4.8% | Oriskany Central School District / 4,524 |
| 552. | 4.8% | Unadilla Valley Central School District / 6,028 |
| 553. | 4.8% | Tupper Lake Central School District / 6,186 |
| 554. | 4.7% | Churchville-Chili Central School District / 26,740 |
| 555. | 4.7% | Brasher Falls Central School District / 5,697 |
| 555. | 4.7% | Deposit Central School District / 3,842 |
| 557. | 4.7% | Greenville Central School District / 8,301 |
| 557. | 4.7% | Le Roy Central School District / 8,129 |
| 557. | 4.7% | Wilson Central School District / 8,407 |
| 557. | 4.7% | Schuylerville Central School District / 9,101 |
| 561. | 4.7% | Edgemont Union Free School District / 7,909 |
| 562. | 4.6% | Holland Patent Central School District / 8,871 |
| 562. | 4.6% | Hendrick Hudson Central School District / 15,617 |
| 564. | 4.6% | Lewiston-Porter Central School District / 18,557 |
| 565. | 4.6% | Roxbury Central School District / 2,587 |
| 565. | 4.6% | Susquehanna Valley Central School District / 11,184 |
| 567. | 4.5% | North Syracuse Central School District / 57,844 |
| 568. | 4.5% | Bath Central School District / 10,815 |
| 569. | 4.5% | Phelps-Clifton Springs Central School District / 11,421 |
| 570. | 4.5% | Peru Central School District / 12,524 |
| 571. | 4.5% | Solvay Union Free School District / 9,776 |
| 572. | 4.5% | Newark Central School District / 15,080 |
| 573. | 4.5% | Brushton-Moira Central School District / 4,804 |
| 574. | 4.4% | Sauquoit Valley Central School District / 6,524 |
| 575. | 4.4% | Cherry Valley-Springfield Central School District / 4,127 |
| 576. | 4.4% | Vestal Central School District / 31,209 |
| 577. | 4.4% | Oakfield-Alabama Central School District / 5,052 |
| 578. | 4.4% | South Colonie Central School District / 40,774 |
| 579. | 4.3% | Roscoe Central School District / 1,914 |
| 580. | 4.3% | Roosevelt Union Free School District / 15,536 |
| 581. | 4.3% | Baldwinsville Central School District / 33,827 |
| 582. | 4.2% | Dundee Central School District / 6,268 |
| 583. | 4.2% | Fredonia Central School District / 14,723 |
| 584. | 4.2% | Caledonia-Mumford Central School District / 5,526 |
| 585. | 4.2% | Wheatland-Chili Central School District / 5,851 |
| 585. | 4.2% | Niskayuna Central School District / 23,039 |
| 587. | 4.2% | Saranac Central School District / 14,519 |
| 588. | 4.2% | North Collins Central School District / 4,077 |
| 588. | 4.2% | Salamanca City School District / 7,810 |
| 588. | 4.2% | Corning City School District / 32,332 |
| 591. | 4.1% | Oneonta City School District / 18,929 |
| 592. | 4.1% | Andover Central School District / 2,759 |
| 593. | 4.1% | Fort Edward Union Free School District / 3,073 |
| 594. | 4.1% | Fire Island Union Free School District / 1,090 |
| 594. | 4.1% | Mount Markham Central School District / 7,633 |
| 596. | 4.0% | Warsaw Central School District / 6,511 |
| 596. | 4.0% | Galway Central School District / 6,822 |
| 598. | 4.0% | Ellicottville Central School District / 3,455 |
| 599. | 4.0% | Gowanda Central School District / 12,348 |
| 599. | 4.0% | Panama Central School District / 3,397 |
| 601. | 4.0% | LaFayette Central School District / 4,460 |
| 601. | 4.0% | Honeoye Central School District / 6,586 |
| 603. | 4.0% | North Rose-Wolcott Central School District / 8,745 |
| 604. | 4.0% | Wellsville Central School District / 9,095 |
| 605. | 4.0% | Odessa-Montour Central School District / 5,485 |
| 606. | 3.9% | Massena Central School District / 16,784 |
| 607. | 3.9% | Marion Central School District / 6,161 |
| 607. | 3.9% | Clymer Central School District / 3,188 |
| 609. | 3.9% | Beekmantown Central School District / 13,055 |
| 609. | 3.9% | Alden Central School District / 13,236 |
| 611. | 3.9% | Waterford-Halfmoon Union Free School District / 6,074 |
| 612. | 3.8% | Pine Valley Central School District / 4,732 |
| 613. | 3.8% | Somers Central School District / 19,297 |
| 613. | 3.8% | Averill Park Central School District / 18,715 |
| 615. | 3.7% | Indian Lake Central School District / 1,294 |
| 616. | 3.7% | Tioga Central School District / 5,056 |
| 617. | 3.6% | Millbrook Central School District / 7,899 |
| 618. | 3.6% | Sherburne-Earlville Central School District / 9,053 |
| 619. | 3.6% | Thousand Islands Central School District / 8,081 |
| 619. | 3.6% | Canajoharie Central School District / 6,225 |
| 621. | 3.6% | Lowville Academy and Central School District / 8,293 |
| 622. | 3.5% | Holland Central School District / 6,972 |
| 623. | 3.5% | Port Jefferson Union Free School District / 8,102 |
| 624. | 3.5% | Ticonderoga Central School District / 5,682 |
| 624. | 3.5% | Hunter-Tannersville Central School District / 3,659 |
| 626. | 3.5% | Greenwood Lake Union Free School District / 6,626 |
| 627. | 3.4% | Sherrill City School District / 12,744 |
| 628. | 3.4% | Warwick Valley Central School District / 22,854 |
| 629. | 3.4% | Hoosic Valley Central School District / 6,400 |
| 630. | 3.3% | Nanuet Union Free School District / 13,313 |
| 631. | 3.3% | Alfred-Almond Central School District / 8,041 |
| 632. | 3.3% | Guilderland Central School District / 35,101 |
| 633. | 3.2% | West Canada Valley Central School District / 4,743 |
| 633. | 3.2% | Southern Cayuga Central School District / 7,025 |
| 635. | 3.2% | Springville-Griffith Institute Central School District / 13,885 |
| 636. | 3.2% | Salmon River Central School District / 5,957 |
| 637. | 3.1% | Cincinnatus Central School District / 3,633 |
| 638. | 3.1% | Windsor Central School District / 10,046 |
| 639. | 3.1% | Beacon City School District / 25,941 |
| 639. | 3.1% | Stillwater Central School District / 7,581 |
| 641. | 3.0% | Elba Central School District / 2,759 |
| 642. | 3.0% | Ravena-Coeymans-Selkirk Central School District / 15,006 |
| 642. | 3.0% | Plattsburgh City School District / 18,945 |
| 642. | 3.0% | Camden Central School District / 13,784 |
| 645. | 3.0% | Greene Central School District / 6,944 |
| 646. | 2.9% | Candor Central School District / 5,118 |
| 646. | 2.9% | Wayne Central School District / 14,738 |
| 648. | 2.9% | Wheelerville Union Free School District / 1,678 |
| 648. | 2.9% | Hadley-Luzerne Central School District / 6,528 |
| 650. | 2.9% | Morris Central School District / 2,485 |
| 651. | 2.9% | Romulus Central School District / 4,798 |
| 652. | 2.9% | Honeoye Falls-Lima Central School District / 13,517 |
| 653. | 2.7% | Chittenango Central School District / 13,534 |
| 654. | 2.7% | Name N/A / 37,559 |
| 655. | 2.6% | Hancock Central School District / 2,508 |
| 656. | 2.5% | Madison Central School District / 3,044 |
| 657. | 2.4% | Morrisville-Eaton Central School District / 6,098 |
| 658. | 2.0% | Florida Union Free School District / 5,034 |
| 659. | 2.0% | Crown Point Central School District / 1,940 |
| 660. | 2.0% | Glens Falls City School District / 14,440 |
| 661. | 2.0% | Bradford Central School District / 2,684 |
| 662. | 1.9% | Wells Central School District / 1,147 |
| 663. | 1.9% | Canandaigua City School District / 24,537 |
| 664. | 1.8% | Sackets Harbor Central School District / 3,058 |
| 665. | 1.7% | Groton Central School District / 6,233 |
| 666. | 1.7% | Schoharie Central School District / 7,356 |
| 667. | 1.4% | Copenhagen Central School District / 2,419 |
| 668. | 1.2% | Potsdam Central School District / 15,104 |
| 669. | 1.1% | Bronxville Union Free School District / 6,522 |
| 670. | 1.1% | North Greenbush Common School District / 1,746 |
| 671. | 1.1% | Fabius-Pompey Central School District / 5,287 |
| 672. | 1.0% | Duanesburg Central School District / 5,081 |
| 673. | 0.9% | Downsville Central School District / 2,476 |
| 674. | 0.9% | Chateaugay Central School District / 3,195 |
| 675. | 0.6% | Brunswick Central School District (Brittonkill) / 8,891 |
| 676. | 0.6% | General Brown Central School District / 8,624 |
Please note that we only rank locations with 'Percentage of Houses without a Mortgage where Total Holding Costs 30-40% 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 30-40% 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.
