| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 50.6% | Kiryas Joel Village Union Free School District / 20,176 |
| 2. | 38.2% | Center Moriches Union Free School District / 7,947 |
| 3. | 35.5% | Amagansett Union Free School District / 1,236 |
| 4. | 32.2% | Putnam Valley Central School District / 11,129 |
| 5. | 32.2% | New Suffolk Common School District / 313 |
| 6. | 31.5% | Irvington Union Free School District / 9,235 |
| 7. | 30.4% | Port Chester-Rye Union Free School District / 31,913 |
| 8. | 30.3% | Elmsford Union Free School District / 8,144 |
| 9. | 29.8% | Amityville Union Free School District / 25,399 |
| 10. | 29.7% | West Hempstead Union Free School District / 16,250 |
| 11. | 29.6% | The Tarrytowns Union Free School District / 19,594 |
| 12. | 29.6% | East Moriches Union Free School District / 5,497 |
| 13. | 29.6% | Blind Brook-Rye Union Free School District / 6,295 |
| 14. | 29.4% | Port Jervis City School District / 17,765 |
| 15. | 29.2% | East Williston Union Free School District / 8,481 |
| 16. | 28.8% | Bayport-Blue Point Union Free School District / 14,087 |
| 17. | 28.5% | Roosevelt Union Free School District / 17,260 |
| 18. | 28.4% | Glen Cove City School District / 26,918 |
| 19. | 28.2% | Miller Place Union Free School District / 15,473 |
| 20. | 28.0% | Malverne Union Free School District / 14,520 |
| 21. | 27.9% | Locust Valley Central School District / 15,999 |
| 22. | 27.5% | Copiague Union Free School District / 30,578 |
| 23. | 27.2% | Shoreham-Wading River Central School District / 12,420 |
| 24. | 26.9% | Sag Harbor Union Free School District / 6,906 |
| 25. | 26.7% | North Babylon Union Free School District / 30,835 |
| 26. | 26.4% | Wantagh Union Free School District / 17,447 |
| 27. | 25.9% | Mount Vernon City School District / 67,414 |
| 28. | 25.8% | Rye City School District / 14,770 |
| 29. | 25.7% | Hewlett-Woodmere Union Free School District / 19,185 |
| 30. | 25.6% | Valley Stream Union Free School District 24 / 14,241 |
| 31. | 25.4% | White Plains City School District / 56,768 |
| 32. | 25.4% | Hendrick Hudson Central School District / 15,348 |
| 33. | 25.4% | Pawling Central School District / 8,853 |
| 34. | 25.2% | Island Park Union Free School District / 8,456 |
| 35. | 25.2% | Bay Shore Union Free School District / 34,388 |
| 36. | 24.9% | Owen D. Young Central School District / 1,645 |
| 37. | 24.6% | Bridgehampton Union Free School District / 1,038 |
| 38. | 24.5% | Great Neck Union Free School District / 43,966 |
| 39. | 24.5% | Croton-Harmon Union Free School District / 9,528 |
| 40. | 24.4% | Tuckahoe Union Free School District / 7,145 |
| 41. | 24.3% | Briarcliff Manor Union Free School District / 8,016 |
| 42. | 24.2% | Mount Pleasant Central School District / 13,119 |
| 43. | 24.2% | West Islip Union Free School District / 28,064 |
| 44. | 24.1% | Nanuet Union Free School District / 13,465 |
| 45. | 24.1% | Chester Union Free School District / 6,365 |
| 46. | 23.9% | Bronxville Union Free School District / 6,345 |
| 47. | 23.9% | Franklin Square Union Free School District / 25,191 |
| 48. | 23.6% | Harrison Central School District / 27,443 |
| 49. | 23.6% | Westbury Union Free School District / 25,812 |
| 50. | 23.5% | Rye Neck Union Free School District / 8,566 |
| 51. | 23.5% | Washingtonville Central School District / 24,448 |
| 52. | 23.3% | Harborfields Central School District / 19,183 |
| 53. | 23.3% | Bemus Point Central School District / 4,952 |
| 54. | 23.2% | Merrick Union Free School District / 17,140 |
| 55. | 23.2% | New Rochelle City School District / 77,074 |
| 56. | 23.2% | Lynbrook Union Free School District / 17,149 |
| 57. | 23.1% | Oceanside Union Free School District / 35,653 |
| 58. | 23.1% | Greenwood Lake Union Free School District / 6,121 |
| 59. | 23.1% | Saugerties Central School District / 20,546 |
| 60. | 23.1% | Connetquot Central School District / 39,864 |
| 61. | 23.0% | Lakeland Central School District / 35,849 |
| 62. | 23.0% | Salmon River Central School District / 6,987 |
| 63. | 22.9% | Mineola Union Free School District / 23,652 |
| 63. | 22.9% | Patchogue-Medford Union Free School District / 52,527 |
| 65. | 22.9% | Yonkers City School District / 196,459 |
| 66. | 22.9% | Ardsley Union Free School District / 9,790 |
| 67. | 22.9% | Lawrence Union Free School District / 34,923 |
| 68. | 22.8% | Elwood Union Free School District / 12,599 |
| 68. | 22.8% | Long Beach City School District / 39,087 |
| 70. | 22.7% | Plainedge Union Free School District / 20,433 |
| 71. | 22.7% | Hempstead Union Free School District / 43,478 |
| 72. | 22.6% | Liberty Central School District / 10,713 |
| 73. | 22.6% | LaFayette Central School District / 4,673 |
| 74. | 22.6% | Dobbs Ferry Union Free School District / 9,271 |
| 75. | 22.3% | East Rockaway Union Free School District / 10,336 |
| 76. | 22.3% | Farmingdale Union Free School District / 39,719 |
| 77. | 22.3% | Commack Union Free School District / 37,716 |
| 78. | 22.2% | East Ramapo Central School District / 112,701 |
| 79. | 22.2% | Longwood Central School District / 63,803 |
| 80. | 22.1% | Huntington Union Free School District / 34,983 |
| 81. | 22.1% | Herricks Union Free School District / 24,400 |
| 82. | 22.1% | Manhasset Union Free School District / 16,863 |
| 82. | 22.1% | Wainscott Common School District / 625 |
| 84. | 22.1% | Plainview-Old Bethpage Central School District / 28,621 |
| 85. | 21.9% | Deer Park Union Free School District / 26,010 |
| 86. | 21.8% | Eldred Central School District / 5,058 |
| 87. | 21.8% | Valley Central School District / 26,923 |
| 88. | 21.7% | North Bellmore Union Free School District / 25,743 |
| 89. | 21.7% | Port Washington Union Free School District / 30,979 |
| 90. | 21.7% | Garrison Union Free School District / 3,157 |
| 91. | 21.6% | Bellmore-Merrick Central High School District / 69,437 |
| 92. | 21.5% | Elmont Union Free School District / 53,514 |
| 93. | 21.4% | Valley Stream Central High School District / 59,901 |
| 94. | 21.4% | Valley Stream Union Free School District 13 / 28,126 |
| 95. | 21.4% | Rondout Valley Central School District / 16,945 |
| 96. | 21.4% | Greenburgh Central School District / 21,325 |
| 97. | 21.3% | West Babylon Union Free School District / 28,512 |
| 97. | 21.3% | Pocantico Hills Central School District / 4,286 |
| 99. | 21.3% | Eastport-South Manor Central School District / 18,101 |
| 100. | 21.3% | Name N/A / 251,129 |
| 101. | 21.2% | Pearl River Union Free School District / 15,683 |
| 102. | 21.2% | Ellenville Central School District / 12,721 |
| 103. | 21.1% | Syosset Central School District / 34,158 |
| 104. | 21.0% | Sewanhaka Central High School District / 121,791 |
| 105. | 20.9% | Riverhead Central School District / 39,232 |
| 106. | 20.8% | Cold Spring Harbor Central School District / 7,862 |
| 107. | 20.7% | Yorktown Central School District / 20,373 |
| 108. | 20.5% | Massapequa Union Free School District / 46,926 |
| 109. | 20.5% | Pelham Union Free School District / 12,379 |
| 110. | 20.4% | Minerva Central School District / 648 |
| 111. | 20.3% | Rockville Centre Union Free School District / 21,796 |
| 112. | 20.2% | North Merrick Union Free School District / 13,589 |
| 113. | 20.1% | Bethpage Union Free School District / 19,797 |
| 114. | 20.1% | East Islip Union Free School District / 24,458 |
| 115. | 20.1% | Carle Place Union Free School District / 10,196 |
| 116. | 20.0% | Hicksville Union Free School District / 38,789 |
| 117. | 19.9% | Bellmore Union Free School District / 12,965 |
| 118. | 19.8% | New Hyde Park-Garden City Park Union Free School District / 22,714 |
| 119. | 19.7% | Middle Country Central School District / 65,253 |
| 120. | 19.7% | Half Hollow Hills Central School District / 47,761 |
| 121. | 19.6% | East Meadow Union Free School District / 52,150 |
| 122. | 19.6% | Clarkstown Central School District / 48,175 |
| 123. | 19.5% | Marlboro Central School District / 12,739 |
| 124. | 19.5% | Eastchester Union Free School District / 18,881 |
| 124. | 19.5% | Ramapo Central School District / 28,838 |
| 126. | 19.3% | Lindenhurst Union Free School District / 42,091 |
| 127. | 19.2% | Byram Hills Central School District / 11,126 |
| 128. | 19.2% | South Huntington Union Free School District / 39,100 |
| 129. | 19.2% | Colton-Pierrepont Central School District / 2,490 |
| 130. | 19.1% | Central Islip Union Free School District / 39,987 |
| 131. | 19.1% | Seaford Union Free School District / 16,042 |
| 131. | 19.1% | Wyandanch Union Free School District / 11,140 |
| 133. | 19.0% | South Country Central School District / 29,660 |
| 134. | 18.8% | Peekskill City School District / 22,771 |
| 135. | 18.7% | Springs Union Free School District / 6,081 |
| 136. | 18.7% | Garden City Union Free School District / 22,188 |
| 137. | 18.4% | Freeport Union Free School District / 40,255 |
| 138. | 18.3% | North Shore Central School District / 16,394 |
| 139. | 18.3% | Islip Union Free School District / 19,590 |
| 140. | 18.3% | Valhalla Union Free School District / 9,639 |
| 141. | 18.2% | Madison Central School District / 3,125 |
| 142. | 18.2% | Baldwin Union Free School District / 33,235 |
| 143. | 18.2% | Goshen Central School District / 18,372 |
| 144. | 18.1% | Uniondale Union Free School District / 42,878 |
| 145. | 18.0% | Mamaroneck Union Free School District / 28,370 |
| 146. | 18.0% | Three Village Central School District / 46,428 |
| 147. | 17.9% | Sayville Union Free School District / 17,607 |
| 147. | 17.9% | Greenport Union Free School District / 4,485 |
| 149. | 17.9% | Nyack Union Free School District / 24,291 |
| 150. | 17.9% | Beacon City School District / 27,928 |
| 151. | 17.8% | Carmel Central School District / 28,948 |
| 152. | 17.7% | Pleasantville Union Free School District / 8,222 |
| 153. | 17.7% | Albion Central School District / 15,231 |
| 154. | 17.7% | Northport-East Northport Union Free School District / 36,440 |
| 155. | 17.6% | Floral Park-Bellerose Union Free School District / 20,372 |
| 155. | 17.6% | Poughkeepsie City School District / 31,492 |
| 157. | 17.6% | South Orangetown Central School District / 21,259 |
| 158. | 17.5% | Valley Stream Union Free School District 30 / 17,534 |
| 159. | 17.4% | Smithtown Central School District / 56,584 |
| 160. | 17.4% | Newburgh City School District / 66,270 |
| 161. | 17.3% | Roslyn Union Free School District / 17,054 |
| 161. | 17.3% | Mount Sinai Union Free School District / 12,337 |
| 161. | 17.3% | Lake Pleasant Central School District / 603 |
| 164. | 17.2% | West Valley Central School District / 2,133 |
| 165. | 17.2% | Little Falls City School District / 7,544 |
| 166. | 17.1% | Ossining Union Free School District / 34,370 |
| 167. | 17.1% | Monticello Central School District / 21,547 |
| 168. | 17.0% | Hampton Bays Union Free School District / 12,971 |
| 168. | 17.0% | Wallkill Central School District / 20,804 |
| 170. | 17.0% | Greene Central School District / 7,235 |
| 171. | 16.9% | Poland Central School District / 4,307 |
| 171. | 16.9% | Madrid-Waddington Central School District / 4,254 |
| 171. | 16.9% | William Floyd Union Free School District / 48,720 |
| 174. | 16.9% | Hyde Park Central School District / 33,780 |
| 175. | 16.8% | New York City Department Of Education / 8,199,221 |
| 176. | 16.8% | Sachem Central School District / 83,654 |
| 177. | 16.7% | Salem Central School District / 3,844 |
| 178. | 16.5% | Haldane Central School District / 5,370 |
| 178. | 16.5% | Alexandria Central School District / 3,880 |
| 180. | 16.5% | Margaretville Central School District / 3,772 |
| 181. | 16.4% | Jericho Union Free School District / 16,980 |
| 182. | 16.4% | Cornwall Central School District / 17,101 |
| 182. | 16.4% | Roscoe Central School District / 2,048 |
| 184. | 16.3% | East Irondequoit Central School District / 27,336 |
| 185. | 16.3% | Schuylerville Central School District / 9,807 |
| 186. | 16.2% | Inlet Common School District / 566 |
| 187. | 16.2% | Wyoming Central School District / 1,741 |
| 188. | 16.2% | Florida Union Free School District / 4,776 |
| 189. | 16.1% | Hudson City School District / 15,952 |
| 190. | 16.1% | Sharon Springs Central School District / 2,188 |
| 191. | 16.0% | Cincinnatus Central School District / 3,420 |
| 192. | 16.0% | Brewster Central School District / 22,843 |
| 193. | 16.0% | East Rochester Union Free School District / 8,986 |
| 194. | 16.0% | Hoosick Falls Central School District / 7,986 |
| 195. | 15.9% | Cohoes City School District / 16,153 |
| 196. | 15.9% | Oyster Bay-East Norwich Central School District / 12,666 |
| 197. | 15.8% | Mount Morris Central School District / 5,910 |
| 198. | 15.8% | Brentwood Union Free School District / 85,468 |
| 199. | 15.7% | Bedford Central School District / 28,660 |
| 200. | 15.6% | Kingston City School District / 51,903 |
| 201. | 15.6% | Brookhaven-Comsewogue Union Free School District / 25,917 |
| 202. | 15.6% | Catskill Central School District / 12,632 |
| 203. | 15.5% | Penn Yan Central School District / 15,442 |
| 204. | 15.5% | Holley Central School District / 7,619 |
| 205. | 15.4% | Shelter Island Union Free School District / 2,624 |
| 206. | 15.4% | Watertown City School District / 31,306 |
| 207. | 15.4% | Fishers Island Union Free School District / 307 |
| 208. | 15.4% | Silver Creek Central School District / 6,156 |
| 209. | 15.3% | Pine Bush Central School District / 33,611 |
| 210. | 15.3% | Alexander Central School District / 5,670 |
| 211. | 15.2% | St. Johnsville Central School District / 3,386 |
| 212. | 15.1% | Pine Valley Central School District / 4,654 |
| 213. | 15.1% | Scotia-Glenville Central School District / 18,189 |
| 214. | 15.0% | Levittown Union Free School District / 47,210 |
| 215. | 15.0% | Phelps-Clifton Springs Central School District / 11,382 |
| 216. | 14.8% | Germantown Central School District / 4,885 |
| 217. | 14.7% | Babylon Union Free School District / 12,095 |
| 218. | 14.7% | Canaseraga Central School District / 1,683 |
| 219. | 14.7% | Central Square Central School District / 25,020 |
| 220. | 14.6% | Hastings-on-Hudson Union Free School District / 8,496 |
| 221. | 14.5% | Mechanicville City School District / 9,756 |
| 222. | 14.5% | Schenevus Central School District / 2,492 |
| 223. | 14.5% | Minisink Valley Central School District / 22,985 |
| 224. | 14.5% | Susquehanna Valley Central School District / 10,806 |
| 225. | 14.4% | Westport Central School District / 1,412 |
| 226. | 14.4% | Gilbertsville-Mount Upton Central School District / 3,291 |
| 227. | 14.4% | Hancock Central School District / 2,621 |
| 227. | 14.4% | Monroe-Woodbury Central School District / 36,432 |
| 229. | 14.4% | Frewsburg Central School District / 5,071 |
| 230. | 14.4% | Milford Central School District / 3,049 |
| 231. | 14.4% | Somers Central School District / 19,655 |
| 232. | 14.3% | Northeast Central School District / 6,680 |
| 233. | 14.3% | Canandaigua City School District / 25,878 |
| 234. | 14.3% | Sandy Creek Central School District / 5,537 |
| 235. | 14.3% | Warwick Valley Central School District / 23,717 |
| 236. | 14.3% | Romulus Central School District / 5,605 |
| 237. | 14.3% | Eden Central School District / 10,372 |
| 238. | 14.3% | Westhampton Beach Union Free School District / 5,590 |
| 238. | 14.3% | Watervliet City School District / 10,917 |
| 240. | 14.2% | Haverstraw-Stony Point Central School District / 47,599 |
| 241. | 14.1% | Hermon-DeKalb Central School District / 2,606 |
| 242. | 14.1% | Southampton Union Free School District / 10,137 |
| 243. | 14.1% | Schenectady City School District / 65,921 |
| 244. | 14.1% | Northeastern Clinton Central School District / 9,115 |
| 245. | 14.0% | Edgemont Union Free School District / 7,718 |
| 246. | 14.0% | Malone Central School District / 20,200 |
| 247. | 14.0% | Amsterdam City School District / 25,113 |
| 247. | 14.0% | Walton Central School District / 6,613 |
| 247. | 14.0% | Harpursville Central School District / 5,471 |
| 250. | 14.0% | Brunswick Central School District (Brittonkill) / 8,258 |
| 251. | 13.8% | Ticonderoga Central School District / 5,715 |
| 252. | 13.7% | Greenwich Central School District / 6,594 |
| 253. | 13.7% | Hunter-Tannersville Central School District / 3,737 |
| 253. | 13.7% | Tuxedo Union Free School District / 2,622 |
| 255. | 13.7% | Ballston Spa Central School District / 26,960 |
| 255. | 13.7% | Montauk Union Free School District / 3,559 |
| 257. | 13.7% | Moriah Central School District / 4,833 |
| 258. | 13.6% | Schroon Lake Central School District / 1,894 |
| 259. | 13.6% | West Canada Valley Central School District / 4,758 |
| 260. | 13.6% | Rochester City School District / 211,016 |
| 261. | 13.6% | Putnam Central School District / 827 |
| 262. | 13.6% | Indian Lake Central School District / 1,447 |
| 262. | 13.6% | Lewiston-Porter Central School District / 18,783 |
| 264. | 13.5% | Westhill Central School District / 12,178 |
| 265. | 13.5% | Hauppauge Union Free School District / 23,361 |
| 266. | 13.5% | Cherry Valley-Springfield Central School District / 4,019 |
| 267. | 13.5% | Island Trees Union Free School District / 15,564 |
| 268. | 13.4% | Albany City School District / 97,913 |
| 269. | 13.4% | Highland Central School District / 12,072 |
| 270. | 13.3% | Bradford Central School District / 2,285 |
| 271. | 13.3% | Millbrook Central School District / 7,385 |
| 272. | 13.3% | Akron Central School District / 9,800 |
| 273. | 13.3% | Mahopac Central School District / 26,571 |
| 274. | 13.3% | Bloomfield Central School District / 6,369 |
| 275. | 13.2% | Highland Falls Central School District / 12,486 |
| 276. | 13.2% | Wappingers Central School District / 72,437 |
| 277. | 13.2% | Charlotte Valley Central School District / 2,666 |
| 278. | 13.1% | Cooperstown Central School District / 6,387 |
| 279. | 13.1% | Mohawk Central School District / 5,447 |
| 280. | 13.1% | New Hartford Central School District / 16,474 |
| 281. | 13.0% | Brocton Central School District / 4,725 |
| 282. | 13.0% | Greenville Central School District / 8,319 |
| 283. | 12.9% | North Salem Central School District / 7,130 |
| 284. | 12.9% | Laurens Central School District / 2,702 |
| 285. | 12.9% | DeRuyter Central School District / 2,936 |
| 286. | 12.8% | Rome City School District / 38,947 |
| 287. | 12.7% | Southold Union Free School District / 6,478 |
| 288. | 12.7% | Schoharie Central School District / 7,080 |
| 289. | 12.7% | Spencerport Central School District / 24,897 |
| 289. | 12.7% | Andover Central School District / 2,081 |
| 291. | 12.6% | Bath Central School District / 11,444 |
| 292. | 12.6% | New Paltz Central School District / 19,240 |
| 293. | 12.6% | Sodus Central School District / 7,773 |
| 294. | 12.6% | Dunkirk City School District / 13,985 |
| 295. | 12.5% | Webster Central School District / 55,375 |
| 295. | 12.5% | Ellicottville Central School District / 3,603 |
| 297. | 12.5% | Wells Central School District / 941 |
| 298. | 12.5% | Seneca Falls Central School District / 9,794 |
| 299. | 12.4% | Kendall Central School District / 5,744 |
| 300. | 12.4% | Bainbridge-Guilford Central School District / 5,404 |
| 301. | 12.4% | Spencer-Van Etten Central School District / 6,156 |
| 302. | 12.4% | Oneonta City School District / 20,286 |
| 303. | 12.4% | Frontier Central School District / 35,955 |
| 303. | 12.4% | Katonah-Lewisboro Union Free School District / 18,252 |
| 305. | 12.3% | Keshequa Central School District / 5,202 |
| 306. | 12.3% | Manchester-Shortsville Central School District / 6,165 |
| 307. | 12.2% | Wheelerville Union Free School District / 1,397 |
| 308. | 12.2% | Tri-Valley Central School District / 6,516 |
| 309. | 12.2% | Wayne Central School District / 15,124 |
| 310. | 12.2% | Oneida City School District / 16,293 |
| 311. | 12.1% | Victor Central School District / 22,474 |
| 312. | 12.1% | Mattituck-Cutchogue Union Free School District / 9,593 |
| 313. | 12.1% | North Collins Central School District / 4,124 |
| 314. | 12.1% | Chatham Central School District / 8,923 |
| 315. | 12.1% | Middletown City School District / 40,340 |
| 316. | 12.0% | Rotterdam-Mohonasen Central School District / 20,829 |
| 317. | 12.0% | Pembroke Central School District / 6,864 |
| 318. | 12.0% | Remsen Central School District / 3,341 |
| 318. | 12.0% | Chautauqua Lake Central School District / 5,778 |
| 320. | 12.0% | Niagara-Wheatfield Central School District / 27,819 |
| 321. | 11.9% | Brighton Central School District / 24,282 |
| 322. | 11.9% | Lyncourt Union Free School District / 4,007 |
| 323. | 11.9% | East Hampton Union Free School District / 9,173 |
| 324. | 11.8% | Chateaugay Central School District / 3,395 |
| 325. | 11.8% | Indian River Central School District / 21,658 |
| 326. | 11.8% | Churchville-Chili Central School District / 27,152 |
| 326. | 11.8% | Dryden Central School District / 12,325 |
| 326. | 11.8% | Brasher Falls Central School District / 5,513 |
| 326. | 11.8% | Byron-Bergen Central School District / 7,476 |
| 326. | 11.8% | Gloversville City School District / 19,147 |
| 331. | 11.8% | Plattsburgh City School District / 19,654 |
| 331. | 11.8% | Chappaqua Central School District / 16,543 |
| 333. | 11.8% | Coxsackie-Athens Central School District / 13,049 |
| 334. | 11.8% | Jamestown City School District / 32,481 |
| 335. | 11.8% | Saratoga Springs City School District / 49,576 |
| 336. | 11.7% | Arlington Central School District / 57,918 |
| 337. | 11.7% | Canajoharie Central School District / 6,236 |
| 338. | 11.7% | Perry Central School District / 5,951 |
| 338. | 11.7% | Clyde-Savannah Central School District / 5,127 |
| 340. | 11.7% | Wynantskill Union Free School District / 3,863 |
| 341. | 11.6% | Lackawanna City School District / 18,116 |
| 342. | 11.6% | Whitehall Central School District / 5,001 |
| 343. | 11.6% | Broadalbin-Perth Central School District / 11,735 |
| 344. | 11.6% | Mayfield Central School District / 6,228 |
| 345. | 11.6% | Andes Central School District / 940 |
| 346. | 11.5% | South Kortright Central School District / 2,768 |
| 347. | 11.5% | Hannibal Central School District / 8,611 |
| 348. | 11.5% | Morrisville-Eaton Central School District / 6,173 |
| 349. | 11.5% | Oxford Academy and Central School District / 5,253 |
| 349. | 11.5% | South Seneca Central School District / 6,799 |
| 349. | 11.5% | Stillwater Central School District / 7,273 |
| 349. | 11.5% | Cazenovia Central School District / 10,861 |
| 353. | 11.5% | Honeoye Central School District / 6,025 |
| 354. | 11.4% | New York Mills Union Free School District / 5,321 |
| 355. | 11.4% | Binghamton Common School District / 424 |
| 356. | 11.4% | Piseco Common School District / 148 |
| 357. | 11.3% | Corinth Central School District / 7,350 |
| 358. | 11.3% | Johnson City Central School District / 20,092 |
| 359. | 11.3% | Panama Central School District / 3,550 |
| 360. | 11.3% | Scarsdale Union Free School District / 18,049 |
| 361. | 11.2% | West Irondequoit Central School District / 24,225 |
| 362. | 11.2% | Lyons Central School District / 6,961 |
| 363. | 11.2% | Richfield Springs Central School District / 4,284 |
| 363. | 11.2% | Keene Central School District / 954 |
| 363. | 11.2% | Kings Park Central School District / 23,437 |
| 366. | 11.2% | Franklin Central School District / 2,233 |
| 367. | 11.2% | Starpoint Central School District / 17,486 |
| 368. | 11.1% | Thousand Islands Central School District / 8,032 |
| 368. | 11.1% | Newfield Central School District / 5,466 |
| 370. | 11.1% | South Jefferson Central School District / 11,105 |
| 371. | 11.1% | Roxbury Central School District / 2,863 |
| 371. | 11.1% | Willsboro Central School District / 2,329 |
| 373. | 11.1% | Mexico Central School District / 12,857 |
| 374. | 11.1% | Lisbon Central School District / 4,226 |
| 375. | 11.0% | Taconic Hills Central School District / 12,048 |
| 376. | 11.0% | Medina Central School District / 10,882 |
| 377. | 11.0% | Binghamton City School District / 47,107 |
| 378. | 11.0% | Fredonia Central School District / 14,825 |
| 378. | 11.0% | Holland Patent Central School District / 8,949 |
| 380. | 10.9% | Livonia Central School District / 10,608 |
| 381. | 10.9% | Windham-Ashland-Jewett Central School District / 3,054 |
| 382. | 10.9% | Jordan-Elbridge Central School District / 8,746 |
| 382. | 10.9% | Niagara Falls City School District / 50,172 |
| 384. | 10.9% | Geneva City School District / 17,556 |
| 385. | 10.9% | Southern Cayuga Central School District / 6,664 |
| 386. | 10.8% | Odessa-Montour Central School District / 5,482 |
| 387. | 10.8% | Bolivar-Richburg Central School District / 4,589 |
| 388. | 10.8% | Genesee Valley Central School District at Angelica-Belmont / 4,234 |
| 389. | 10.7% | Ravena-Coeymans-Selkirk Central School District / 13,951 |
| 389. | 10.7% | Newfane Central School District / 10,273 |
| 391. | 10.7% | Le Roy Central School District / 8,218 |
| 391. | 10.7% | Ogdensburg City School District / 11,466 |
| 393. | 10.7% | McGraw Central School District / 3,375 |
| 394. | 10.6% | Buffalo City School District / 261,955 |
| 394. | 10.6% | Franklinville Central School District / 4,413 |
| 396. | 10.6% | Wilson Central School District / 8,681 |
| 397. | 10.6% | Oakfield-Alabama Central School District / 5,696 |
| 398. | 10.6% | Penfield Central School District / 31,537 |
| 399. | 10.6% | Guilderland Central School District / 36,504 |
| 400. | 10.5% | Worcester Central School District / 2,747 |
| 401. | 10.5% | Whitesville Central School District / 1,107 |
| 402. | 10.5% | Liverpool Central School District / 49,885 |
| 403. | 10.5% | South Glens Falls Central School District / 20,123 |
| 404. | 10.5% | Edinburg Common School District / 1,511 |
| 404. | 10.5% | Tonawanda City School District / 15,113 |
| 406. | 10.5% | Marcus Whitman Central School District / 10,202 |
| 407. | 10.4% | Evans-Brant Central School District / 17,347 |
| 408. | 10.4% | Downsville Central School District / 2,655 |
| 408. | 10.4% | Onteora Central School District / 15,534 |
| 410. | 10.4% | South Colonie Central School District / 40,183 |
| 411. | 10.3% | West Genesee Central School District / 31,340 |
| 412. | 10.3% | Fort Ann Central School District / 6,029 |
| 412. | 10.3% | Fallsburg Central School District / 10,695 |
| 414. | 10.3% | Union-Endicott Central School District / 31,416 |
| 414. | 10.3% | Rocky Point Union Free School District / 17,667 |
| 416. | 10.2% | Cambridge Central School District / 6,665 |
| 417. | 10.2% | Dolgeville Central School District / 4,877 |
| 418. | 10.2% | Port Jefferson Union Free School District / 8,007 |
| 419. | 10.2% | Newark Valley Central School District / 7,889 |
| 419. | 10.2% | Onondaga Central School District / 6,343 |
| 421. | 10.1% | Cuba-Rushford Central School District / 6,507 |
| 422. | 10.1% | Lowville Academy and Central School District / 8,390 |
| 422. | 10.1% | Naples Central School District / 5,210 |
| 424. | 10.1% | Fort Edward Union Free School District / 3,096 |
| 424. | 10.1% | Barker Central School District / 5,011 |
| 426. | 10.1% | Cleveland Hill Union Free School District / 11,276 |
| 427. | 10.1% | Holland Central School District / 6,699 |
| 427. | 10.1% | Harrisville Central School District / 2,478 |
| 429. | 10.0% | Geneseo Central School District / 11,415 |
| 430. | 10.0% | Auburn City School District / 33,512 |
| 431. | 10.0% | Deposit Central School District / 4,099 |
| 432. | 10.0% | Cheektowaga-Sloan Union Free School District / 11,795 |
| 433. | 10.0% | Lancaster Central School District / 40,344 |
| 434. | 9.9% | Cheektowaga Central School District / 21,017 |
| 435. | 9.9% | Tupper Lake Central School District / 6,277 |
| 436. | 9.9% | Middleburgh Central School District / 6,238 |
| 437. | 9.8% | Williamsville Central School District / 73,043 |
| 437. | 9.8% | East Syracuse-Minoa Central School District / 22,190 |
| 437. | 9.8% | Spackenkill Union Free School District / 8,942 |
| 440. | 9.8% | Ithaca City School District / 66,182 |
| 440. | 9.8% | Herkimer Central School District / 10,035 |
| 440. | 9.8% | Canton Central School District / 12,096 |
| 443. | 9.8% | Fire Island Union Free School District / 565 |
| 443. | 9.8% | Lockport City School District / 36,070 |
| 445. | 9.8% | Delhi Central School District / 7,826 |
| 446. | 9.7% | Chenango Forks Central School District / 9,335 |
| 446. | 9.7% | Gilboa-Conesville Central School District / 2,655 |
| 446. | 9.7% | Prattsburgh Central School District / 3,061 |
| 449. | 9.7% | Adirondack Central School District / 8,466 |
| 450. | 9.7% | Cassadaga Valley Central School District / 7,685 |
| 451. | 9.7% | Hartford Central School District / 3,011 |
| 452. | 9.7% | Sullivan West Central School District / 10,814 |
| 453. | 9.6% | Dansville Central School District / 10,120 |
| 454. | 9.6% | Cairo-Durham Central School District / 9,772 |
| 455. | 9.6% | Cobleskill-Richmondville Central School District / 14,003 |
| 456. | 9.6% | Newark Central School District / 14,999 |
| 456. | 9.6% | Lansingburgh Central School District / 17,906 |
| 458. | 9.6% | Argyle Central School District / 4,188 |
| 459. | 9.6% | Remsenburg-Speonk Union Free School District / 1,521 |
| 459. | 9.6% | Batavia City School District / 18,213 |
| 459. | 9.6% | Berlin Central School District / 6,324 |
| 462. | 9.6% | Georgetown-South Otselic Central School District / 2,508 |
| 462. | 9.6% | Troy City School District / 39,769 |
| 464. | 9.5% | Berne-Knox-Westerlo Central School District / 6,089 |
| 465. | 9.5% | Portville Central School District / 4,839 |
| 466. | 9.5% | Cato-Meridian Central School District / 6,475 |
| 467. | 9.4% | Syracuse City School District / 144,869 |
| 468. | 9.4% | St. Regis Falls Central School District / 1,926 |
| 469. | 9.4% | Westmoreland Central School District / 6,545 |
| 470. | 9.4% | Hinsdale Central School District / 2,592 |
| 471. | 9.4% | Fulton City School District / 19,824 |
| 472. | 9.3% | Rensselaer City School District / 9,284 |
| 473. | 9.3% | Fillmore Central School District / 5,087 |
| 474. | 9.2% | Carthage Central School District / 19,163 |
| 475. | 9.2% | Edwards-Knox Central School District / 3,000 |
| 476. | 9.2% | Greece Central School District / 82,365 |
| 477. | 9.2% | Belleville Henderson Central School District / 3,840 |
| 478. | 9.2% | Norwich City School District / 13,659 |
| 479. | 9.1% | Oppenheim-Ephratah Central School District / 2,693 |
| 479. | 9.1% | Jamesville-DeWitt Central School District / 18,294 |
| 481. | 9.1% | Dover Union Free School District / 10,636 |
| 482. | 9.1% | Friendship Central School District / 2,275 |
| 483. | 9.1% | Jasper-Troupsburg Central School District / 3,331 |
| 484. | 9.0% | Westfield Central School District / 5,160 |
| 485. | 9.0% | Rhinebeck Central School District / 9,951 |
| 486. | 9.0% | Utica City School District / 62,011 |
| 487. | 9.0% | Owego-Apalachin Central School District / 15,029 |
| 488. | 9.0% | Fort Plain Central School District / 5,866 |
| 489. | 8.9% | Lake George Central School District / 6,808 |
| 490. | 8.9% | Unadilla Valley Central School District / 5,968 |
| 490. | 8.9% | Cattaraugus-Little Valley Central School District / 6,661 |
| 492. | 8.9% | Averill Park Central School District / 18,842 |
| 492. | 8.9% | Sherman Central School District / 2,937 |
| 492. | 8.9% | Johnsburg Central School District / 2,191 |
| 495. | 8.9% | Hammond Central School District / 2,234 |
| 495. | 8.9% | South Lewis Central School District / 7,231 |
| 497. | 8.9% | Queensbury Union Free School District / 22,258 |
| 498. | 8.9% | Waterford-Halfmoon Union Free School District / 5,510 |
| 499. | 8.8% | Watkins Glen Central School District / 8,355 |
| 500. | 8.8% | Kinderhook Central School District / 13,831 |
| 501. | 8.8% | Fayetteville-Manlius Central School District / 25,085 |
| 502. | 8.7% | Bethlehem Central School District / 27,552 |
| 503. | 8.7% | Lake Placid Central School District / 6,133 |
| 504. | 8.7% | North Greenbush Common School District / 1,783 |
| 505. | 8.7% | Waverly Central School District / 9,947 |
| 506. | 8.7% | AuSable Valley Central School District / 9,568 |
| 507. | 8.7% | Rush-Henrietta Central School District / 52,026 |
| 507. | 8.7% | Sherburne-Earlville Central School District / 8,373 |
| 509. | 8.6% | Chittenango Central School District / 13,777 |
| 509. | 8.6% | East Aurora Union Free School District / 13,040 |
| 511. | 8.6% | Glens Falls City School District / 15,004 |
| 512. | 8.6% | Wellsville Central School District / 9,253 |
| 513. | 8.6% | Springville-Griffith Institute Central School District / 13,198 |
| 513. | 8.6% | Oysterponds Union Free School District / 1,679 |
| 515. | 8.5% | Salamanca City School District / 7,856 |
| 516. | 8.5% | Livingston Manor Central School District / 3,394 |
| 517. | 8.5% | Depew Union Free School District / 15,573 |
| 518. | 8.5% | Pavilion Central School District / 4,695 |
| 518. | 8.5% | Forestville Central School District / 3,466 |
| 518. | 8.5% | Red Creek Central School District / 6,135 |
| 521. | 8.4% | Burnt Hills-Ballston Lake Central School District / 19,299 |
| 522. | 8.4% | Skaneateles Central School District / 9,080 |
| 523. | 8.4% | Fabius-Pompey Central School District / 4,810 |
| 524. | 8.4% | Saranac Lake Central School District / 13,861 |
| 525. | 8.4% | Windsor Central School District / 11,144 |
| 525. | 8.4% | Olean City School District / 15,756 |
| 527. | 8.4% | Amherst Central School District / 24,066 |
| 528. | 8.4% | Southwestern Central School District / 9,403 |
| 529. | 8.3% | Elizabethtown-Lewis Central School District / 2,694 |
| 530. | 8.3% | Attica Central School District / 13,563 |
| 531. | 8.3% | East Quogue Union Free School District / 4,739 |
| 532. | 8.2% | Elmira City School District / 48,834 |
| 533. | 8.2% | North Warren Central School District / 4,759 |
| 534. | 8.2% | Webb Town Union Free School District / 2,337 |
| 534. | 8.2% | Trumansburg Central School District / 7,436 |
| 536. | 8.2% | Falconer Central School District / 7,735 |
| 537. | 8.2% | Randolph Central School District / 6,354 |
| 537. | 8.2% | Hoosic Valley Central School District / 6,616 |
| 539. | 8.2% | Whitney Point Central School District / 9,162 |
| 540. | 8.2% | Cortland City School District / 24,502 |
| 541. | 8.2% | Stockbridge Valley Central School District / 3,248 |
| 542. | 8.1% | Phoenix Central School District / 11,483 |
| 543. | 8.1% | Niskayuna Central School District / 22,858 |
| 544. | 8.1% | Marathon Central School District / 4,754 |
| 545. | 8.1% | Campbell-Savona Central School District / 5,341 |
| 545. | 8.1% | Kenmore-Tonawanda Union Free School District / 67,289 |
| 547. | 8.0% | Crown Point Central School District / 2,069 |
| 547. | 8.0% | North Rose-Wolcott Central School District / 8,655 |
| 549. | 8.0% | Sauquoit Valley Central School District / 7,035 |
| 550. | 8.0% | Schalmont Central School District / 13,391 |
| 551. | 7.9% | Stamford Central School District / 2,830 |
| 552. | 7.9% | Otego-Unadilla Central School District / 7,051 |
| 553. | 7.9% | East Greenbush Central School District / 29,954 |
| 553. | 7.9% | Lansing Central School District / 7,369 |
| 555. | 7.9% | Sherrill City School District / 11,692 |
| 555. | 7.9% | Waterville Central School District / 5,985 |
| 557. | 7.8% | Ilion Central School District / 9,773 |
| 558. | 7.8% | Hadley-Luzerne Central School District / 6,565 |
| 559. | 7.8% | Brushton-Moira Central School District / 5,017 |
| 560. | 7.8% | Lyme Central School District / 2,475 |
| 561. | 7.8% | Pine Plains Central School District / 9,119 |
| 562. | 7.8% | Red Hook Central School District / 13,971 |
| 563. | 7.7% | Galway Central School District / 6,931 |
| 564. | 7.7% | Wayland-Cohocton Central School District / 9,266 |
| 565. | 7.7% | Hamilton Central School District / 7,189 |
| 565. | 7.7% | Royalton-Hartland Central School District / 8,862 |
| 565. | 7.7% | North Syracuse Central School District / 59,799 |
| 568. | 7.7% | North Colonie Central School District / 39,090 |
| 568. | 7.7% | Elmira Heights Central School District / 6,999 |
| 570. | 7.6% | Alfred-Almond Central School District / 7,459 |
| 571. | 7.6% | Hornell City School District / 10,675 |
| 572. | 7.6% | Bolton Central School District / 2,132 |
| 573. | 7.6% | Fairport Central School District / 39,842 |
| 574. | 7.5% | Massena Central School District / 17,509 |
| 575. | 7.5% | York Central School District / 5,341 |
| 575. | 7.5% | Shenendehowa Central School District / 63,279 |
| 577. | 7.5% | Altmar-Parish-Williamstown Central School District / 7,653 |
| 578. | 7.5% | Iroquois Central School District / 17,790 |
| 579. | 7.5% | Avoca Central School District / 3,342 |
| 580. | 7.4% | Homer Central School District / 12,882 |
| 581. | 7.4% | Solvay Union Free School District / 9,834 |
| 582. | 7.4% | West Seneca Central School District / 53,381 |
| 583. | 7.4% | Candor Central School District / 5,187 |
| 584. | 7.3% | Mount Markham Central School District / 7,201 |
| 585. | 7.3% | Alden Central School District / 13,550 |
| 585. | 7.3% | Addison Central School District / 7,451 |
| 587. | 7.3% | Corning City School District / 34,413 |
| 587. | 7.3% | Peru Central School District / 12,873 |
| 589. | 7.3% | Belfast Central School District / 2,266 |
| 590. | 7.3% | Heuvelton Central School District / 3,954 |
| 591. | 7.2% | Edmeston Central School District / 2,867 |
| 591. | 7.2% | Beekmantown Central School District / 13,083 |
| 593. | 7.2% | Gowanda Central School District / 11,994 |
| 594. | 7.1% | Granville Central School District / 7,461 |
| 595. | 7.0% | Johnstown City School District / 11,442 |
| 596. | 7.0% | Cheektowaga-Maryvale Union Free School District / 19,039 |
| 597. | 7.0% | Tully Central School District / 6,192 |
| 597. | 7.0% | New Lebanon Central School District / 4,220 |
| 599. | 7.0% | Northern Adirondack Central School District / 6,463 |
| 599. | 7.0% | Copenhagen Central School District / 2,735 |
| 601. | 6.9% | Brockport Central School District / 26,742 |
| 602. | 6.9% | Avon Central School District / 7,119 |
| 603. | 6.9% | Warrensburg Central School District / 5,576 |
| 603. | 6.9% | Hudson Falls Central School District / 15,258 |
| 605. | 6.9% | Waterloo Central School District / 11,954 |
| 606. | 6.8% | Orchard Park Central School District / 32,547 |
| 607. | 6.7% | Hamburg Central School District / 24,951 |
| 608. | 6.6% | Palmyra-Macedon Central School District / 12,180 |
| 609. | 6.6% | Frankfort-Schuyler Central School District / 6,961 |
| 610. | 6.5% | Horseheads Central School District / 26,894 |
| 611. | 6.5% | Brookfield Central School District / 1,364 |
| 611. | 6.5% | Camden Central School District / 13,347 |
| 613. | 6.5% | Northville Central School District / 2,949 |
| 614. | 6.4% | Pittsford Central School District / 34,229 |
| 615. | 6.3% | Whitesboro Central School District / 26,372 |
| 616. | 6.2% | Hilton Central School District / 26,216 |
| 617. | 6.2% | Groton Central School District / 6,013 |
| 617. | 6.2% | Canastota Central School District / 9,751 |
| 619. | 6.1% | Yorkshire-Pioneer Central School District / 16,174 |
| 619. | 6.1% | Fonda-Fultonville Central School District / 8,830 |
| 621. | 6.1% | Norwood-Norfolk Central School District / 6,629 |
| 622. | 6.0% | Oswego City School District / 33,389 |
| 623. | 6.0% | Afton Central School District / 3,965 |
| 624. | 5.9% | Clymer Central School District / 3,021 |
| 625. | 5.9% | Gates-Chili Central School District / 33,042 |
| 626. | 5.8% | Duanesburg Central School District / 4,987 |
| 627. | 5.7% | Pulaski Central School District / 6,051 |
| 628. | 5.7% | Clinton Central School District / 12,204 |
| 629. | 5.7% | Clarence Central School District / 27,493 |
| 630. | 5.6% | Moravia Central School District / 7,298 |
| 631. | 5.6% | Clifton-Fine Central School District / 2,327 |
| 632. | 5.6% | Beaver River Central School District / 5,432 |
| 633. | 5.6% | North Tonawanda City School District / 31,498 |
| 634. | 5.6% | Long Lake Central School District / 618 |
| 635. | 5.6% | Caledonia-Mumford Central School District / 5,461 |
| 636. | 5.5% | Chenango Valley Central School District / 12,349 |
| 636. | 5.5% | Parishville-Hopkinton Central School District / 2,667 |
| 636. | 5.5% | Gouverneur Central School District / 11,393 |
| 639. | 5.5% | Saranac Central School District / 14,038 |
| 640. | 5.4% | Letchworth Central School District / 6,302 |
| 641. | 5.4% | Canisteo-Greenwood Central School District / 5,970 |
| 642. | 5.3% | Hammondsport Central School District / 4,166 |
| 643. | 5.3% | Morris Central School District / 2,333 |
| 644. | 5.2% | Warsaw Central School District / 6,269 |
| 645. | 5.2% | Sweet Home Central School District / 36,332 |
| 646. | 5.0% | Vestal Central School District / 31,779 |
| 647. | 4.9% | Schodack Central School District / 6,461 |
| 648. | 4.9% | Potsdam Central School District / 15,000 |
| 648. | 4.9% | General Brown Central School District / 8,915 |
| 650. | 4.8% | Allegany-Limestone Central School District / 9,385 |
| 651. | 4.6% | Maine-Endwell Central School District / 15,080 |
| 652. | 4.6% | Jefferson Central School District / 1,975 |
| 652. | 4.6% | Port Byron Central School District / 5,825 |
| 654. | 4.6% | Williamson Central School District / 6,571 |
| 655. | 4.5% | Baldwinsville Central School District / 35,277 |
| 656. | 4.5% | Tioga Central School District / 5,515 |
| 656. | 4.5% | Ripley Central School District / 1,549 |
| 658. | 4.5% | Green Island Union Free School District / 2,603 |
| 659. | 4.4% | Weedsport Central School District / 5,655 |
| 660. | 4.2% | Grand Island Central School District / 20,324 |
| 661. | 4.1% | Quogue Union Free School District / 782 |
| 662. | 4.1% | Wheatland-Chili Central School District / 6,004 |
| 663. | 4.0% | Honeoye Falls-Lima Central School District / 13,667 |
| 664. | 3.9% | Marcellus Central School District / 10,687 |
| 665. | 3.9% | Voorheesville Central School District / 7,311 |
| 666. | 3.9% | Arkport Central School District / 3,004 |
| 667. | 3.6% | Dundee Central School District / 6,335 |
| 668. | 3.4% | Marion Central School District / 6,076 |
| 669. | 3.3% | Union Springs Central School District / 6,190 |
| 670. | 3.3% | Oriskany Central School District / 4,743 |
| 671. | 3.1% | Sidney Central School District / 7,666 |
| 672. | 2.9% | Elba Central School District / 2,963 |
| 673. | 2.5% | Morristown Central School District / 3,187 |
| 674. | 2.4% | Scio Central School District / 2,362 |
| 675. | 2.3% | Newcomb Central School District / 516 |
| 676. | 2.3% | Chazy Union Free School District / 2,879 |
| 677. | 1.9% | Lyndonville Central School District / 4,540 |
| 678. | 1.0% | LaFargeville Central School District / 3,179 |
Please note that we only rank locations with 'Percentage of Houses without a Mortgage where Total Holding Costs 40% or More of Owner Income' data. The rank above might not be a complete list. Locations without 'Percentage of Houses without a Mortgage where Total Holding Costs 40% or More of Owner Income' data are not listed.
*ACS stands for U.S. Census American Community Survey. According to the U.S. Census, if the date is a range, you can interpret the data as an average of the period of time.
