Housing
Homeownership Rate

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Homeownership Rate

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What does this measure?

The percentage of all occupied housing units (not vacant) that are owner-occupied (not rented).

Why is this important?

A home is often a family's greatest financial asset. Owning a home is a traditional part of the American dream and a typical entry point into the middle class. Homeownership is an important factor for neighborhood stability and civic participation.

How is the region performing?

In 2020-24, 71% of occupied housing units in the Mid-Hudson Valley were owner-occupied, equal to the state (excluding NYC) rate and above the national rate of 65%. Each county in the Mid-Hudson Valley had similar owner-occupied rates in 2020-24, except Putnam (84%). Rates have not varied much since 2010-14.

Homeownership rates were particularly low in some of the region's cities, such as Hudson (45%), Poughkeepsie (39%), and Newburgh (35%). Other municipalities with low homeownership rates included the villages of Saugerties (36%) and Kiryas Joel (33%). The highest rates of homeownership were in the town of Lumberland (97%), and the towns of Austerlitz, Clinton, and Lexington (all at 94%).

Notes about the data

Multiyear figures are from the Census Bureau's American Community Survey. The bureau combined five years of responses to the survey to provide estimates for smaller geographic areas and increase the precision of its estimates. However, because the information came from a survey, the samples responding to the survey were not always large enough to produce reliable results, especially in small geographic areas. CGR has noted on data tables the estimates with relatively large margins of error. Estimates with three asterisks have the largest margins, plus or minus 50% or more of the estimate. Two asterisks mean plus or minus 35%-50%, and one asterisk means plus or minus 20%-35%. For all estimates, the confidence level is 90%, meaning there is 90% probability the true value (if the whole population were surveyed) would be within the margin of error (or confidence interval). The survey provides data on characteristics of the population that used to be collected only during the decennial census.

Homeownership Rate
2010-142015-192020-24
Region71%70%71%
Columbia72%74%76%
Dutchess69%69%69%
Greene75%75%77%
Orange70%67%68%
Putnam83%82%84%
Sullivan65%68%67%
Ulster70%68%70%
NYS (excluding NYC)70%70%71%
U.S.64%64%65%
Columbia Cities
Hudson city, Columbia County34%36%45%
Columbia Towns
Ancram town, Columbia County75%80%89%
Austerlitz town, Columbia County84%85%94%
Canaan town, Columbia County82%88%81%
Chatham town, Columbia County79%80%87%
Claverack town, Columbia County72%79%87%
Clermont town, Columbia County80%82%81%
Copake town, Columbia County78%80%89%
Gallatin town, Columbia County86%84%93%
Germantown town, Columbia County72%85%79%
Ghent town, Columbia County81%76%74%
Greenport town, Columbia County69%62%63%
Hillsdale town, Columbia County81%75%76%
Kinderhook town, Columbia County80%78%79%
Livingston town, Columbia County64%81%70%
New Lebanon town, Columbia County78%74%87%
Stockport town, Columbia County75%75%77%
Stuyvesant town, Columbia County78%76%77%*
Taghkanic town, Columbia County84%94%85%
Columbia Villages
Chatham village, Columbia County46%*55%*54%*
Kinderhook village, Columbia County83%87%78%
Philmont village, Columbia County52%*48%*61%**
Valatie village, Columbia County60%66%77%*
Dutchess Cities
Beacon city, Dutchess County51%57%61%
Poughkeepsie city, Dutchess County39%35%39%
Dutchess Towns
Amenia town, Dutchess County67%56%68%
Beekman town, Dutchess County92%87%90%
Clinton town, Dutchess County79%85%94%
Dover town, Dutchess County71%75%70%
East Fishkill town, Dutchess County93%91%91%
Fishkill town, Dutchess County65%66%66%
Hyde Park town, Dutchess County74%73%73%
La Grange town, Dutchess County92%93%86%
Milan town, Dutchess County81%83%83%
North East town, Dutchess County71%66%77%
Pawling town, Dutchess County75%75%78%
Pine Plains town, Dutchess County75%72%81%
Pleasant Valley town, Dutchess County72%67%72%
Poughkeepsie town, Dutchess County68%69%66%
Red Hook town, Dutchess County74%70%77%
Rhinebeck town, Dutchess County70%64%72%
Stanford town, Dutchess County70%84%72%
Union Vale town, Dutchess County78%81%88%
Wappinger town, Dutchess County68%67%63%
Washington town, Dutchess County61%67%68%
Dutchess Villages
Fishkill village, Dutchess County31%33%40%
Millbrook village, Dutchess County43%*51%55%*
Millerton village, Dutchess County57%*54%*58%*
Pawling village, Dutchess County57%60%53%*
Red Hook village, Dutchess County54%52%66%*
Rhinebeck village, Dutchess County59%52%54%
Tivoli village, Dutchess County48%*53%50%*
Wappingers Falls village, Dutchess County33%*32%*31%*
Greene Towns
Ashland town, Greene County88%89%*80%*
Athens town, Greene County80%77%85%
Cairo town, Greene County71%74%75%
Catskill town, Greene County63%64%68%
Coxsackie town, Greene County74%72%74%
Durham town, Greene County87%78%92%
Greenville town, Greene County77%85%79%
Halcott town, Greene County84%*90%**83%*
Hunter town, Greene County74%62%66%
Jewett town, Greene County86%93%92%
Lexington town, Greene County90%97%*94%
New Baltimore town, Greene County95%93%90%
Prattsville town, Greene County81%*83%*73%**
Windham town, Greene County84%89%89%
Greene Villages
Athens village, Greene County66%65%76%
Catskill village, Greene County44%*56%*56%
Coxsackie village, Greene County62%64%63%
Hunter village, Greene County66%**64%**50%***
Tannersville village, Greene County45%**60%**58%**
Orange Cities
Middletown city, Orange County51%51%52%
Newburgh city, Orange County32%32%35%
Port Jervis city, Orange County50%48%51%
Orange Towns
Blooming Grove town, Orange County84%80%82%
Chester town, Orange County80%81%79%
Cornwall town, Orange County72%71%73%
Crawford town, Orange County84%76%80%
Deerpark town, Orange County78%82%80%
Goshen town, Orange County68%69%79%
Greenville town, Orange County93%87%86%
Hamptonburgh town, Orange County94%98%87%
Highlands town, Orange County38%43%43%
Minisink town, Orange County89%83%83%
Monroe town, Orange County64%77%82%
Montgomery town, Orange County71%70%67%
Mount Hope town, Orange County86%81%81%
New Windsor town, Orange County74%72%73%
Newburgh town, Orange County81%81%80%
Tuxedo town, Orange County77%81%75%
Wallkill town, Orange County68%62%64%
Warwick town, Orange County80%76%79%
Wawayanda town, Orange County80%75%88%
Woodbury town, Orange County86%85%86%
Orange Villages
Chester village, Orange County67%58%50%*
Cornwall-on-Hudson village, Orange County72%67%71%
Florida village, Orange County76%76%80%
Goshen village, Orange County53%53%62%
Greenwood Lake village, Orange County77%81%68%*
Harriman village, Orange County58%45%59%*
Highland Falls village, Orange County41%52%59%
Kiryas Joel village, Orange County35%28%33%
Maybrook village, Orange County57%58%49%
Monroe village, Orange County83%75%81%
Montgomery village, Orange County67%60%77%
Otisville village, Orange County77%77%*62%*
South Blooming Grove village, Orange County85%76%62%*
Tuxedo Park village, Orange County89%*87%91%**
Unionville village, Orange County90%*76%**63%**
Walden village, Orange County66%66%60%*
Warwick village, Orange County66%56%58%
Washingtonville village, Orange County80%73%79%
Woodbury village, Orange County88%88%89%
Putnam Towns
Carmel town, Putnam County85%80%85%
Kent town, Putnam County87%87%88%
Patterson town, Putnam County80%83%81%
Philipstown town, Putnam County78%83%80%
Putnam Valley town, Putnam County90%87%90%
Southeast town, Putnam County75%76%79%
Putnam Villages
Brewster village, Putnam County20%*24%*21%**
Cold Spring village, Putnam County58%62%65%
Nelsonville village, Putnam County67%*81%*74%
Sullivan Towns
Bethel town, Sullivan County69%78%73%
Callicoon town, Sullivan County72%80%82%
Cochecton town, Sullivan County84%77%80%
Delaware town, Sullivan County74%76%88%
Fallsburg town, Sullivan County55%59%54%
Forestburgh town, Sullivan County82%92%92%
Fremont town, Sullivan County82%88%76%*
Highland town, Sullivan County71%81%87%*
Liberty town, Sullivan County58%53%61%
Lumberland town, Sullivan County87%89%97%
Mamakating town, Sullivan County76%78%76%
Neversink town, Sullivan County81%80%83%
Rockland town, Sullivan County68%77%84%
Thompson town, Sullivan County48%54%46%
Tusten town, Sullivan County76%79%81%
Sullivan School Districts
Bloomingburg village, Sullivan County33%**46%**12%***
Jeffersonville village, Sullivan County65%**52%**54%***
Liberty village, Sullivan County35%*41%*37%*
Monticello village, Sullivan County24%*30%*20%*
Woodridge village, Sullivan County29%**42%**46%**
Wurtsboro village, Sullivan County59%*61%*66%*
Ulster Cities
Kingston city, Ulster County44%45%48%
Ulster Towns
Denning town, Ulster County78%*84%*77%*
Esopus town, Ulster County74%75%83%
Gardiner town, Ulster County77%77%76%*
Hardenburgh town, Ulster County73%*72%*100%*
Hurley town, Ulster County91%91%91%
Kingston town, Ulster County91%83%87%*
Lloyd town, Ulster County69%66%68%
Marbletown town, Ulster County84%87%86%
Marlborough town, Ulster County66%72%74%
New Paltz town, Ulster County54%56%51%
Olive town, Ulster County80%84%89%
Plattekill town, Ulster County70%77%67%
Rochester town, Ulster County83%75%83%
Rosendale town, Ulster County74%75%73%
Saugerties town, Ulster County76%68%68%
Shandaken town, Ulster County80%74%79%
Shawangunk town, Ulster County81%78%83%
Ulster town, Ulster County69%62%69%
Wawarsing town, Ulster County68%63%66%
Woodstock town, Ulster County80%73%84%
Ulster Villages
Ellenville village, Ulster County57%48%*49%*
New Paltz village, Ulster County28%29%*20%**
Saugerties village, Ulster County50%50%36%

Source: U.S. Census Bureau
Notes: Multiyear results are from rolling American Community Survey. * Margin of error between 20% & 35% of estimate; ** margin of error between 35% & 50%; *** margin of error greater than 50%.




Number of Owner-occupied Housing Units
2010-142015-192020-24
Region288,175286,412312,066
Columbia18,06718,40320,315
Dutchess74,25274,54080,447
Greene13,60512,79614,422
Orange86,90785,58494,002
Putnam28,24528,51329,778
Sullivan18,85719,25521,178
Ulster48,24247,32151,924
NYS (excluding NYC)2,918,1882,923,1653,103,929
U.S.74,787,46077,274,38184,210,142
Columbia Cities
Hudson city, Columbia County9679621,289
Columbia Towns
Ancram town, Columbia County476450493
Austerlitz town, Columbia County537561765
Canaan town, Columbia County513639665
Chatham town, Columbia County1,3171,3121,660
Claverack town, Columbia County1,8641,9612,256
Clermont town, Columbia County546602643
Copake town, Columbia County1,0541,0151,247
Gallatin town, Columbia County639558652
Germantown town, Columbia County606730678
Ghent town, Columbia County1,6511,5751,525
Greenport town, Columbia County1,2431,1861,285
Hillsdale town, Columbia County542498634
Kinderhook town, Columbia County2,5532,5422,598
Livingston town, Columbia County8101,1651,131
New Lebanon town, Columbia County825746843
Stockport town, Columbia County858769814
Stuyvesant town, Columbia County640671671*
Taghkanic town, Columbia County426461466
Columbia Villages
Chatham village, Columbia County296*411*450*
Kinderhook village, Columbia County508531419
Philmont village, Columbia County305*252*354**
Valatie village, Columbia County337377537*
Dutchess Cities
Beacon city, Dutchess County2,7793,0083,979
Poughkeepsie city, Dutchess County4,6464,4685,291
Dutchess Towns
Amenia town, Dutchess County1,1298961,012
Beekman town, Dutchess County3,9833,7313,768
Clinton town, Dutchess County1,2341,2991,581
Dover town, Dutchess County2,2062,5122,197
East Fishkill town, Dutchess County8,8068,8409,214
Fishkill town, Dutchess County5,6325,7126,306
Hyde Park town, Dutchess County5,7855,5945,892
La Grange town, Dutchess County4,8855,0745,161
Milan town, Dutchess County762840902
North East town, Dutchess County858799984
Pawling town, Dutchess County2,2532,3622,321
Pine Plains town, Dutchess County741721697
Pleasant Valley town, Dutchess County2,7282,5772,858
Poughkeepsie town, Dutchess County10,27110,58311,161
Red Hook town, Dutchess County2,8072,6613,205
Rhinebeck town, Dutchess County2,2342,0742,652
Stanford town, Dutchess County9641,2671,165
Union Vale town, Dutchess County1,4491,3911,434
Wappinger town, Dutchess County6,9266,7897,197
Washington town, Dutchess County1,1741,3421,470
Dutchess Villages
Fishkill village, Dutchess County292332451
Millbrook village, Dutchess County312*370385*
Millerton village, Dutchess County191*231*191*
Pawling village, Dutchess County506532475*
Red Hook village, Dutchess County453437708*
Rhinebeck village, Dutchess County682658817
Tivoli village, Dutchess County223*238228*
Wappingers Falls village, Dutchess County712*684*789*
Greene Towns
Ashland town, Greene County307264*252*
Athens town, Greene County1,1971,2241,336
Cairo town, Greene County1,9071,6572,064
Catskill town, Greene County2,8012,9193,219
Coxsackie town, Greene County1,7501,5931,854
Durham town, Greene County9437131,062
Greenville town, Greene County1,1041,0631,199
Halcott town, Greene County92*123**104*
Hunter town, Greene County791709623
Jewett town, Greene County374397439
Lexington town, Greene County403314*318
New Baltimore town, Greene County1,1171,0681,106
Prattsville town, Greene County230*207*264**
Windham town, Greene County589545582
Greene Villages
Athens village, Greene County397451577
Catskill village, Greene County653*796*959
Coxsackie village, Greene County614715699
Hunter village, Greene County154**141**52***
Tannersville village, Greene County101**180**119**
Orange Cities
Middletown city, Orange County5,0975,3465,153
Newburgh city, Orange County2,8063,1623,654
Port Jervis city, Orange County1,6991,7821,813
Orange Towns
Blooming Grove town, Orange County5,1674,8315,001
Chester town, Orange County3,3423,2333,456
Cornwall town, Orange County3,4163,2513,650
Crawford town, Orange County2,6452,4452,406
Deerpark town, Orange County2,4352,4022,477
Goshen town, Orange County3,1183,0033,852
Greenville town, Orange County1,4071,2801,475
Hamptonburgh town, Orange County1,5191,5311,499
Highlands town, Orange County1,1851,3891,720
Minisink town, Orange County1,2841,1451,330
Monroe town, Orange County6,5434,7335,779
Montgomery town, Orange County5,6915,7285,618
Mount Hope town, Orange County1,5211,3871,688
New Windsor town, Orange County6,8927,1578,043
Newburgh town, Orange County8,8149,0229,292
Tuxedo town, Orange County1,2071,1311,191
Wallkill town, Orange County6,7926,7187,480
Warwick town, Orange County9,3718,8519,372
Wawayanda town, Orange County1,8571,8652,246
Woodbury town, Orange County3,0993,0093,300
Orange Villages
Chester village, Orange County1,116917779*
Cornwall-on-Hudson village, Orange County847691871
Florida village, Orange County810789772
Goshen village, Orange County1,0921,0701,460
Greenwood Lake village, Orange County8961,002906*
Harriman village, Orange County614475658*
Highland Falls village, Orange County7058361,004
Kiryas Joel village, Orange County1,3221,1722,507
Maybrook village, Orange County644784762
Monroe village, Orange County2,2301,9242,308
Montgomery village, Orange County9579751,177
Otisville village, Orange County331297*251*
South Blooming Grove village, Orange County968830719*
Tuxedo Park village, Orange County197*193381**
Unionville village, Orange County207*152**132**
Walden village, Orange County1,6191,4651,561*
Warwick village, Orange County1,8901,6921,728
Washingtonville village, Orange County1,6841,5671,678
Woodbury village, Orange County2,9562,9383,106
Putnam Towns
Carmel town, Putnam County9,6109,71710,288
Kent town, Putnam County3,9964,2264,022
Patterson town, Putnam County3,0843,0943,006
Philipstown town, Putnam County2,8742,9373,086
Putnam Valley town, Putnam County3,7853,5993,667
Southeast town, Putnam County4,8964,9405,709
Putnam Villages
Brewster village, Putnam County176*193*238**
Cold Spring village, Putnam County519516567
Nelsonville village, Putnam County169*182*183
Sullivan Towns
Bethel town, Sullivan County1,2021,3071,248
Callicoon town, Sullivan County8781,0551,111
Cochecton town, Sullivan County498458562
Delaware town, Sullivan County793782900
Fallsburg town, Sullivan County2,0892,5632,523
Forestburgh town, Sullivan County303445318
Fremont town, Sullivan County505489374*
Highland town, Sullivan County7567581,013*
Liberty town, Sullivan County2,0631,8372,224
Lumberland town, Sullivan County858760851
Mamakating town, Sullivan County3,4173,2093,542
Neversink town, Sullivan County1,1931,0331,321
Rockland town, Sullivan County1,0481,1591,441
Thompson town, Sullivan County2,7872,9093,137
Tusten town, Sullivan County467491613
Sullivan School Districts
Bloomingburg village, Sullivan County54**66**17***
Jeffersonville village, Sullivan County90**75**93***
Liberty village, Sullivan County549*664*592*
Monticello village, Sullivan County665*732*610*
Woodridge village, Sullivan County89**134**150**
Wurtsboro village, Sullivan County300*295*354*
Ulster Cities
Kingston city, Ulster County4,3724,1284,854
Ulster Towns
Denning town, Ulster County189*158*143*
Esopus town, Ulster County2,4432,5783,155
Gardiner town, Ulster County1,6351,7111,810*
Hardenburgh town, Ulster County69*81*77*
Hurley town, Ulster County2,4232,3932,484
Kingston town, Ulster County396378385*
Lloyd town, Ulster County2,8652,6873,176
Marbletown town, Ulster County2,0651,9342,153
Marlborough town, Ulster County2,2302,4892,528
New Paltz town, Ulster County2,4012,5362,795
Olive town, Ulster County1,7261,5481,725
Plattekill town, Ulster County2,7823,0952,669
Rochester town, Ulster County2,2632,2312,718
Rosendale town, Ulster County1,8091,7061,887
Saugerties town, Ulster County5,6755,5585,869
Shandaken town, Ulster County1,2011,1031,171
Shawangunk town, Ulster County3,0222,9792,580
Ulster town, Ulster County3,3193,2273,776
Wawarsing town, Ulster County2,9572,8133,116
Woodstock town, Ulster County2,4001,9882,853
Ulster Villages
Ellenville village, Ulster County849760*796*
New Paltz village, Ulster County563576*515**
Saugerties village, Ulster County847900711

Source: U.S. Census Bureau
Notes: Multiyear results are from rolling American Community Survey. * Margin of error between 20% & 35% of estimate; ** margin of error between 35% & 50%; *** margin of error greater than 50%.
Housing Indicators


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INDICATORS TREND | STATE
Children Living in Poverty Decreasing
Children Living in Poverty, by Race/Ethnicity Increasing
Single-Parent Families Increasing
Single-Parent Families, by Race/Ethnicity Increasing
Rate of Child Abuse and Neglect Decreasing
Rate of Foster Care Admissions Decreasing
Teen Pregnancy Decreasing
Voter Registration Rate Increasing
Voter Participation Rate Increasing
Total Population Increasing
Population by Age Decreasing
Population by Race/Ethnicity Increasing
Household Types Increasing
Change in Total Jobs Increasing
Foreign-Born Population Increasing
Change in Jobs by Sector Increasing
Spending for County Government Maintaining
Tourism Revenue Maintaining
Preschoolers Receiving Special Education Services Increasing
Prekindergarten Participation Decreasing
Students Receiving Special Education Services Increasing
Per-Student Spending Maintaining
Student Performance on Grade 4 English, by Student Group Increasing
Student Performance on Grade 4 English, by Race/Ethnicity Increasing
Student Performance on Grade 4 Math, by Student Group Increasing
Student Performance on Grade 4 Math, by Race/Ethnicity Increasing
High School Cohort Graduation Rate Increasing
High School Cohort Dropout Rate Decreasing
High School GED Rate Maintaining
Education Levels of Adults Increasing
Education Levels of Adults, by Race/Ethnicity Increasing
Median Household Income Maintaining
Median Household Income, by Race/Ethnicity Maintaining
People Living in Poverty Increasing
People Living in Poverty, by Race/Ethnicity Increasing
Seniors Living in Poverty Increasing
Veterans Living in Poverty Maintaining
Children Receiving Subsidized Child Care Maintaining
Economically Disadvantaged Students Increasing
Earned Income Tax Credit Participation Decreasing
Income in Relation to Poverty Level Increasing
Households Receiving SNAP Decreasing
People Without Health Insurance Decreasing
Early Prenatal Care, by Mother's Race/Ethnicity Not Applicable
Food Insecurity Not Applicable
Deaths from Drug Overdoses Increasing
Babies with Low Birth Weights Maintaining
Newly Diagnosed Cases of HIV Decreasing
People Living wth HIV Increasing
Mental Health Clinic Visits Maintaining
Homeownership Rates Maintaining
Homeownership Rates, by Race/Ethnicity Increasing
Cost of Homeownership Maintaining
Cost of Rent Increasing
Cost of Rent, by Race/Ethnicity Not Applicable
Violent Crimes Decreasing
Homeless Persons Increasing
Domestic Violence Increasing
Arrest Rates, by Race/Ethnicity Increasing
Prison Sentences by Race/Ethnicity Maintaining
Children Living in Poverty, by Race/Ethnicity Increasing
Single-Parent Families, by Race/Ethnicity Increasing
Population by Race/Ethnicity Increasing
Student Performance on Grade 4 English, by Race/Ethnicity Increasing
Student Performance on Grade 4 Math, by Race/Ethnicity Increasing
Education Levels of Adults, by Race/Ethnicity Increasing
Median Household Income, by Race/Ethnicity Maintaining
People Living in Poverty, by Race/Ethnicity Increasing
Early Prenatal Care, by Mother's Race/Ethnicity Not Applicable
Homeownership Rates, by Race/Ethnicity Increasing
Cost of Rent, by Race/Ethnicity Not Applicable
Arrest Rates, by Race/Ethnicity Increasing


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