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 2019-23, 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 2019-23, except Putnam (83%), and have not varied much since 2009-13.

Homeownership rates were particularly low in some of the region's cities, such as Hudson (48%), Poughkeepsie (39%) and Newburgh (35%). Other municipalities with low homeownership rates included the villages of Saugerties (37%) and Kiryas Joel (35%). The highest rates of homeownership were in the towns of Clinton (96%), and Lumberland and Austerlitz (both 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. Data for this indicator are expected to be released in the fourth quarter.

Homeownership Rate
2009-132014-182019-23
Region71%70%71%
Columbia72%72%75%
Dutchess70%69%69%
Greene74%74%78%
Orange69%68%68%
Putnam83%82%83%
Sullivan65%68%69%
Ulster70%69%70%
NYS (excluding NYC)70%70%71%
U.S.65%64%65%
Columbia Cities
Hudson city, Columbia County38%32%48%
Columbia Towns
Ancram town, Columbia County72%75%89%
Austerlitz town, Columbia County87%81%94%
Canaan town, Columbia County83%88%84%
Chatham town, Columbia County81%77%85%
Claverack town, Columbia County77%77%82%
Clermont town, Columbia County82%81%85%
Copake town, Columbia County83%75%87%
Gallatin town, Columbia County87%84%88%
Germantown town, Columbia County73%80%79%
Ghent town, Columbia County80%79%73%
Greenport town, Columbia County65%65%56%
Hillsdale town, Columbia County83%73%75%
Kinderhook town, Columbia County78%78%79%
Livingston town, Columbia County63%81%68%
New Lebanon town, Columbia County75%71%85%
Stockport town, Columbia County78%71%78%
Stuyvesant town, Columbia County72%74%81%
Taghkanic town, Columbia County79%93%85%
Columbia Villages
Chatham village, Columbia County47%*56%*48%*
Kinderhook village, Columbia County84%85%84%
Philmont village, Columbia County56%*40%*59%**
Valatie village, Columbia County52%67%80%*
Dutchess Cities
Beacon city, Dutchess County50%59%59%
Poughkeepsie city, Dutchess County38%34%39%
Dutchess Towns
Amenia town, Dutchess County65%62%65%
Beekman town, Dutchess County90%89%88%
Clinton town, Dutchess County82%83%96%
Dover town, Dutchess County76%69%71%
East Fishkill town, Dutchess County93%90%91%
Fishkill town, Dutchess County65%67%63%
Hyde Park town, Dutchess County75%72%73%
La Grange town, Dutchess County92%95%86%
Milan town, Dutchess County77%85%81%
North East town, Dutchess County75%58%82%
Pawling town, Dutchess County75%75%78%
Pine Plains town, Dutchess County76%70%77%
Pleasant Valley town, Dutchess County71%66%68%
Poughkeepsie town, Dutchess County67%68%67%
Red Hook town, Dutchess County74%69%77%
Rhinebeck town, Dutchess County71%67%68%
Stanford town, Dutchess County71%81%79%
Union Vale town, Dutchess County83%79%90%
Wappinger town, Dutchess County68%69%62%
Washington town, Dutchess County66%67%60%
Dutchess Villages
Fishkill village, Dutchess County30%*37%39%*
Millbrook village, Dutchess County47%*53%45%*
Millerton village, Dutchess County58%*52%*57%*
Pawling village, Dutchess County58%57%56%*
Red Hook village, Dutchess County53%49%67%*
Rhinebeck village, Dutchess County62%52%51%
Tivoli village, Dutchess County57%*51%50%*
Wappingers Falls village, Dutchess County37%35%*30%*
Greene Towns
Ashland town, Greene County85%*91%*88%*
Athens town, Greene County80%78%86%
Cairo town, Greene County65%74%69%
Catskill town, Greene County65%60%70%
Coxsackie town, Greene County74%74%73%
Durham town, Greene County85%77%90%
Greenville town, Greene County77%85%82%
Halcott town, Greene County75%*91%*87%*
Hunter town, Greene County74%64%*74%
Jewett town, Greene County81%*91%90%*
Lexington town, Greene County89%94%92%
New Baltimore town, Greene County94%93%90%
Prattsville town, Greene County83%*79%80%*
Windham town, Greene County82%87%88%
Greene Villages
Athens village, Greene County68%67%78%
Catskill village, Greene County47%*51%*62%
Coxsackie village, Greene County61%67%62%
Hunter village, Greene County69%*60%**66%***
Tannersville village, Greene County53%**59%*57%**
Orange Cities
Middletown city, Orange County50%56%52%
Newburgh city, Orange County33%31%35%
Port Jervis city, Orange County48%49%52%
Orange Towns
Blooming Grove town, Orange County82%82%82%
Chester town, Orange County81%84%79%
Cornwall town, Orange County74%68%76%
Crawford town, Orange County83%80%77%
Deerpark town, Orange County80%83%75%
Goshen town, Orange County67%70%80%
Greenville town, Orange County87%92%84%
Hamptonburgh town, Orange County92%97%93%
Highlands town, Orange County39%42%42%
Minisink town, Orange County87%84%82%
Monroe town, Orange County64%77%81%
Montgomery town, Orange County68%72%69%
Mount Hope town, Orange County85%85%81%
New Windsor town, Orange County76%73%71%
Newburgh town, Orange County83%81%80%
Tuxedo town, Orange County79%80%75%
Wallkill town, Orange County66%63%67%
Warwick town, Orange County79%78%81%
Wawayanda town, Orange County81%73%91%
Woodbury town, Orange County86%85%90%
Orange Villages
Chester village, Orange County69%67%53%*
Cornwall-on-Hudson village, Orange County69%70%75%
Florida village, Orange County76%77%85%
Goshen village, Orange County52%51%66%
Greenwood Lake village, Orange County75%78%78%*
Harriman village, Orange County62%44%54%*
Highland Falls village, Orange County43%52%54%
Kiryas Joel village, Orange County34%27%35%
Maybrook village, Orange County52%62%54%
Monroe village, Orange County81%78%82%
Montgomery village, Orange County67%61%68%
Otisville village, Orange County73%*80%*62%*
South Blooming Grove village, Orange County85%78%61%*
Tuxedo Park village, Orange County88%*85%89%**
Unionville village, Orange County84%*77%*60%***
Walden village, Orange County63%68%63%
Warwick village, Orange County63%60%56%
Washingtonville village, Orange County76%77%79%
Woodbury village, Orange County88%88%93%
Putnam Towns
Carmel town, Putnam County86%82%84%
Kent town, Putnam County87%86%87%
Patterson town, Putnam County83%82%83%
Philipstown town, Putnam County78%83%77%
Putnam Valley town, Putnam County89%88%89%
Southeast town, Putnam County75%77%78%
Putnam Villages
Brewster village, Putnam County18%*23%*21%**
Cold Spring village, Putnam County58%64%64%
Nelsonville village, Putnam County72%*81%72%*
Sullivan Towns
Bethel town, Sullivan County71%73%82%
Callicoon town, Sullivan County73%75%86%
Cochecton town, Sullivan County88%75%81%
Delaware town, Sullivan County68%77%83%
Fallsburg town, Sullivan County55%61%58%
Forestburgh town, Sullivan County84%88%96%*
Fremont town, Sullivan County81%87%76%*
Highland town, Sullivan County69%76%92%
Liberty town, Sullivan County56%57%57%
Lumberland town, Sullivan County84%87%94%
Mamakating town, Sullivan County76%80%78%
Neversink town, Sullivan County84%74%86%
Rockland town, Sullivan County70%72%84%
Thompson town, Sullivan County50%52%50%
Tusten town, Sullivan County78%76%84%
Sullivan School Districts
Bloomingburg village, Sullivan County50%***38%**19%***
Jeffersonville village, Sullivan County67%*56%*59%**
Liberty village, Sullivan County37%*39%*34%*
Monticello village, Sullivan County27%*30%*28%*
Woodridge village, Sullivan County40%**37%*48%**
Wurtsboro village, Sullivan County59%*63%*70%*
Ulster Cities
Kingston city, Ulster County47%47%48%
Ulster Towns
Denning town, Ulster County82%*82%72%*
Esopus town, Ulster County75%73%84%
Gardiner town, Ulster County75%78%74%*
Hardenburgh town, Ulster County72%**69%*98%**
Hurley town, Ulster County90%89%93%
Kingston town, Ulster County91%86%86%*
Lloyd town, Ulster County68%69%71%
Marbletown town, Ulster County86%86%87%
Marlborough town, Ulster County69%66%75%
New Paltz town, Ulster County54%56%54%
Olive town, Ulster County86%80%91%
Plattekill town, Ulster County68%77%68%
Rochester town, Ulster County82%75%84%
Rosendale town, Ulster County73%78%72%
Saugerties town, Ulster County75%71%66%
Shandaken town, Ulster County82%76%80%
Shawangunk town, Ulster County81%78%81%
Ulster town, Ulster County70%64%67%
Wawarsing town, Ulster County66%63%68%
Woodstock town, Ulster County80%78%79%
Ulster Villages
Ellenville village, Ulster County51%46%*59%*
New Paltz village, Ulster County30%*27%*28%*
Saugerties village, Ulster County47%52%37%

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
2009-132014-182019-23
Region290,428286,362308,220
Columbia18,30118,20119,668
Dutchess75,03873,80979,284
Greene13,64412,68114,107
Orange86,71386,26693,959
Putnam28,66728,71829,105
Sullivan19,28718,87220,934
Ulster48,77847,81551,163
NYS (excluding NYC)2,933,7972,913,5163,078,373
U.S.75,075,70076,444,81082,892,037
Columbia Cities
Hudson city, Columbia County1,1298621,304
Columbia Towns
Ancram town, Columbia County460419488
Austerlitz town, Columbia County518563756
Canaan town, Columbia County512632658
Chatham town, Columbia County1,4461,2551,561
Claverack town, Columbia County1,8942,0411,959
Clermont town, Columbia County581615668
Copake town, Columbia County1,1099471,242
Gallatin town, Columbia County644556583
Germantown town, Columbia County616664695
Ghent town, Columbia County1,6161,6111,412
Greenport town, Columbia County1,2241,2441,124
Hillsdale town, Columbia County592484597
Kinderhook town, Columbia County2,4982,5442,625
Livingston town, Columbia County8131,1511,208
New Lebanon town, Columbia County771708798
Stockport town, Columbia County893771831
Stuyvesant town, Columbia County606647700
Taghkanic town, Columbia County379487459
Columbia Villages
Chatham village, Columbia County331*397*378*
Kinderhook village, Columbia County478557491
Philmont village, Columbia County322*230*338**
Valatie village, Columbia County284377495*
Dutchess Cities
Beacon city, Dutchess County2,7613,0483,758
Poughkeepsie city, Dutchess County4,8014,2535,268
Dutchess Towns
Amenia town, Dutchess County1,1061,016951
Beekman town, Dutchess County3,9513,8033,734
Clinton town, Dutchess County1,3111,2371,505
Dover town, Dutchess County2,4162,2432,267
East Fishkill town, Dutchess County9,0258,6549,089
Fishkill town, Dutchess County5,7195,7676,064
Hyde Park town, Dutchess County5,9415,4485,867
La Grange town, Dutchess County4,7275,1265,031
Milan town, Dutchess County745818909
North East town, Dutchess County8686951,077
Pawling town, Dutchess County2,2902,3142,350
Pine Plains town, Dutchess County735722659
Pleasant Valley town, Dutchess County2,6372,6002,824
Poughkeepsie town, Dutchess County10,18310,42811,367
Red Hook town, Dutchess County2,8442,6643,033
Rhinebeck town, Dutchess County2,2892,1052,490
Stanford town, Dutchess County1,0121,2261,231
Union Vale town, Dutchess County1,4801,3661,472
Wappinger town, Dutchess County6,9257,0186,968
Washington town, Dutchess County1,2721,2581,370
Dutchess Villages
Fishkill village, Dutchess County304*361451*
Millbrook village, Dutchess County330*357327*
Millerton village, Dutchess County181*216*169*
Pawling village, Dutchess County520512495*
Red Hook village, Dutchess County478404650*
Rhinebeck village, Dutchess County713653736
Tivoli village, Dutchess County233*249208*
Wappingers Falls village, Dutchess County799743*749*
Greene Towns
Ashland town, Greene County324*266*282*
Athens town, Greene County1,2171,1811,323
Cairo town, Greene County1,8391,6391,838
Catskill town, Greene County2,7992,7363,242
Coxsackie town, Greene County1,8441,6391,808
Durham town, Greene County8647111,059
Greenville town, Greene County1,2081,0891,164
Halcott town, Greene County83*129*97*
Hunter town, Greene County826797*645
Jewett town, Greene County338*401365*
Lexington town, Greene County371329312
New Baltimore town, Greene County1,1551,0481,121
Prattsville town, Greene County249*202287*
Windham town, Greene County527514564
Greene Villages
Athens village, Greene County428433590
Catskill village, Greene County619*713*1,016
Coxsackie village, Greene County675697689
Hunter village, Greene County151*183**63***
Tannersville village, Greene County121**203*97**
Orange Cities
Middletown city, Orange County4,7645,7445,341
Newburgh city, Orange County3,0702,8553,646
Port Jervis city, Orange County1,6761,9071,831
Orange Towns
Blooming Grove town, Orange County4,9764,8945,016
Chester town, Orange County3,4113,2253,538
Cornwall town, Orange County3,5023,0883,815
Crawford town, Orange County2,6262,5102,299
Deerpark town, Orange County2,4682,5432,254
Goshen town, Orange County3,0343,0263,868
Greenville town, Orange County1,3561,3381,379
Hamptonburgh town, Orange County1,4931,5921,625
Highlands town, Orange County1,1631,3721,639
Minisink town, Orange County1,2921,2101,244
Monroe town, Orange County6,5084,7775,552
Montgomery town, Orange County5,5585,8695,721
Mount Hope town, Orange County1,4641,6141,686
New Windsor town, Orange County7,0336,9527,658
Newburgh town, Orange County8,9328,9079,196
Tuxedo town, Orange County1,2301,1251,159
Wallkill town, Orange County6,4776,7317,930
Warwick town, Orange County9,5079,0349,467
Wawayanda town, Orange County1,9851,8442,246
Woodbury town, Orange County3,1882,9733,442
Orange Villages
Chester village, Orange County1,171952828*
Cornwall-on-Hudson village, Orange County821706920
Florida village, Orange County842776798
Goshen village, Orange County1,1171,0231,560
Greenwood Lake village, Orange County894952923*
Harriman village, Orange County659468567*
Highland Falls village, Orange County732871898
Kiryas Joel village, Orange County1,2511,1152,407
Maybrook village, Orange County580849758
Monroe village, Orange County2,1212,0112,372
Montgomery village, Orange County9209631,047
Otisville village, Orange County305*323*273*
South Blooming Grove village, Orange County975871714*
Tuxedo Park village, Orange County199*198347**
Unionville village, Orange County166*200*134***
Walden village, Orange County1,6201,5081,648
Warwick village, Orange County1,8681,7441,684
Washingtonville village, Orange County1,5951,6361,670
Woodbury village, Orange County3,0402,8883,322
Putnam Towns
Carmel town, Putnam County9,8719,81910,066
Kent town, Putnam County4,0094,1794,052
Patterson town, Putnam County3,2153,0173,038
Philipstown town, Putnam County2,8892,9992,998
Putnam Valley town, Putnam County3,6993,7043,560
Southeast town, Putnam County4,9845,0005,391
Putnam Villages
Brewster village, Putnam County161*180*202**
Cold Spring village, Putnam County494554534
Nelsonville village, Putnam County175*193181*
Sullivan Towns
Bethel town, Sullivan County1,3431,2301,313
Callicoon town, Sullivan County9339661,118
Cochecton town, Sullivan County486478526
Delaware town, Sullivan County726807829
Fallsburg town, Sullivan County2,1312,5732,508
Forestburgh town, Sullivan County329383334*
Fremont town, Sullivan County500454368*
Highland town, Sullivan County6998111,006
Liberty town, Sullivan County2,1401,8922,137
Lumberland town, Sullivan County806697816
Mamakating town, Sullivan County3,4713,2343,541
Neversink town, Sullivan County1,1909661,316
Rockland town, Sullivan County1,1171,0841,325
Thompson town, Sullivan County2,9582,8153,207
Tusten town, Sullivan County458482590
Sullivan School Districts
Bloomingburg village, Sullivan County105***55**40***
Jeffersonville village, Sullivan County83*84*99**
Liberty village, Sullivan County654*578*597*
Monticello village, Sullivan County771*722*789*
Woodridge village, Sullivan County149**111*140**
Wurtsboro village, Sullivan County276*292*355*
Ulster Cities
Kingston city, Ulster County4,6164,3564,825
Ulster Towns
Denning town, Ulster County203*160119*
Esopus town, Ulster County2,5082,5053,165
Gardiner town, Ulster County1,5951,741900*
Hardenburgh town, Ulster County54**74*78**
Hurley town, Ulster County2,3902,4922,484
Kingston town, Ulster County410403362*
Lloyd town, Ulster County2,9572,6953,243
Marbletown town, Ulster County2,0311,9402,065
Marlborough town, Ulster County2,3132,2962,637
New Paltz town, Ulster County2,5432,5002,793
Olive town, Ulster County1,7501,5191,641
Plattekill town, Ulster County2,6053,1002,858
Rochester town, Ulster County2,3542,1402,673
Rosendale town, Ulster County1,7951,8161,844
Saugerties town, Ulster County5,7085,5295,594
Shandaken town, Ulster County1,2131,0961,176
Shawangunk town, Ulster County3,1263,0753,323
Ulster town, Ulster County3,4653,3413,611
Wawarsing town, Ulster County2,8782,8563,160
Woodstock town, Ulster County2,2642,1812,612
Ulster Villages
Ellenville village, Ulster County758734*952*
New Paltz village, Ulster County636*514*659*
Saugerties village, Ulster County821921697

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 Maintaining
Teen Pregnancy Decreasing
Voter Registration Rate Increasing
Voter Participation Rate Decreasing
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 Increasing
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 Decreasing
Education Levels of Adults Increasing
Education Levels of Adults, by Race/Ethnicity Decreasing
Median Household Income Maintaining
Median Household Income, by Race/Ethnicity Maintaining
People Living in Poverty Maintaining
People Living in Poverty, by Race/Ethnicity Increasing
Seniors Living in Poverty Increasing
Veterans Living in Poverty Decreasing
Children Receiving Subsidized Child Care Decreasing
Economically Disadvantaged Students Increasing
Earned Income Tax Credit Participation Increasing
Living Wage Rate by Household Type Maintaining
Income in Relation to Poverty Level Increasing
Households Receiving SNAP Maintaining
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 Decreasing
Cost of Homeownership Maintaining
Cost of Rent Increasing
Cost of Rent, by Race/Ethnicity Not Applicable
Violent Crimes Decreasing
Homeless Persons Decreasing
Domestic Violence Maintaining
Arrest Rates, by Race/Ethnicity Not Applicable
Incarceration Rates, by Race/Ethnicity Decreasing
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 Decreasing
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 Decreasing
Cost of Rent, by Race/Ethnicity Not Applicable
Arrest Rates, by Race/Ethnicity Not Applicable
Incarceration Rates, by Race/Ethnicity Decreasing


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