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 2018-22, 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 2018-22, except Putnam (84%), and have not varied much since 2008-12.

Homeownership rates were particularly low in some of the region's cities, such as Hudson (40%), Poughkeepsie (37%) and Newburgh (34%). Other municipalities with low homeownership rates included the villages of Fishkill (35%) and Kiryas Joel (32%). The highest rates of homeownership were in the towns of Clinton (98%), Forestburgh (96%), and Lumberland and Hurley (both at 93%).

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
2008-122013-172018-22
Region71%70%71%
Columbia73%72%75%
Dutchess70%69%69%
Greene73%76%76%
Orange70%68%68%
Putnam83%82%84%
Sullivan66%67%69%
Ulster69%69%69%
NYS (excluding NYC)71%70%71%
U.S.66%64%65%
Columbia Cities
Hudson city, Columbia County38%34%40%
Columbia Towns
Ancram town, Columbia County73%74%87%
Austerlitz town, Columbia County88%81%91%
Canaan town, Columbia County85%85%83%
Chatham town, Columbia County84%75%84%
Claverack town, Columbia County77%78%82%
Clermont town, Columbia County80%84%83%
Copake town, Columbia County88%76%80%
Gallatin town, Columbia County89%84%92%
Germantown town, Columbia County79%76%82%
Ghent town, Columbia County78%78%77%
Greenport town, Columbia County62%68%58%
Hillsdale town, Columbia County74%74%75%
Kinderhook town, Columbia County76%81%78%
Livingston town, Columbia County67%78%68%
New Lebanon town, Columbia County69%75%84%
Stockport town, Columbia County80%69%76%
Stuyvesant town, Columbia County72%74%83%
Taghkanic town, Columbia County85%88%85%
Columbia Villages
Chatham village, Columbia County53%52%*55%*
Kinderhook village, Columbia County81%86%84%
Philmont village, Columbia County54%*43%*58%*
Valatie village, Columbia County58%70%76%*
Dutchess Cities
Beacon city, Dutchess County48%59%61%
Poughkeepsie city, Dutchess County38%35%37%
Dutchess Towns
Amenia town, Dutchess County58%69%59%
Beekman town, Dutchess County91%89%88%
Clinton town, Dutchess County85%81%98%
Dover town, Dutchess County79%67%73%
East Fishkill town, Dutchess County93%90%92%
Fishkill town, Dutchess County67%67%63%
Hyde Park town, Dutchess County74%74%72%
La Grange town, Dutchess County91%94%88%
Milan town, Dutchess County79%84%79%
North East town, Dutchess County70%61%78%
Pawling town, Dutchess County75%73%77%
Pine Plains town, Dutchess County78%73%77%
Pleasant Valley town, Dutchess County69%66%69%
Poughkeepsie town, Dutchess County69%69%67%
Red Hook town, Dutchess County76%70%76%
Rhinebeck town, Dutchess County71%67%69%
Stanford town, Dutchess County72%79%82%
Union Vale town, Dutchess County81%80%87%
Wappinger town, Dutchess County68%69%64%
Washington town, Dutchess County64%66%67%
Dutchess Villages
Fishkill village, Dutchess County41%35%35%
Millbrook village, Dutchess County48%50%52%
Millerton village, Dutchess County55%*55%*54%*
Pawling village, Dutchess County58%54%54%
Red Hook village, Dutchess County56%51%63%*
Rhinebeck village, Dutchess County61%51%56%
Tivoli village, Dutchess County62%*52%51%*
Wappingers Falls village, Dutchess County37%*37%*31%*
Greene Towns
Ashland town, Greene County85%*92%*94%*
Athens town, Greene County82%78%83%
Cairo town, Greene County60%75%71%
Catskill town, Greene County64%63%66%
Coxsackie town, Greene County73%73%75%
Durham town, Greene County82%82%83%
Greenville town, Greene County79%82%84%
Halcott town, Greene County80%*83%*88%**
Hunter town, Greene County71%71%66%*
Jewett town, Greene County78%*93%93%*
Lexington town, Greene County88%93%99%*
New Baltimore town, Greene County92%96%89%
Prattsville town, Greene County79%*82%*82%*
Windham town, Greene County81%84%86%
Greene Villages
Athens village, Greene County73%65%73%
Catskill village, Greene County52%*49%*60%
Coxsackie village, Greene County60%64%62%
Hunter village, Greene County66%*53%**66%***
Tannersville village, Greene County49%**58%**53%***
Orange Cities
Middletown city, Orange County49%55%53%
Newburgh city, Orange County35%32%34%
Port Jervis city, Orange County47%53%50%
Orange Towns
Blooming Grove town, Orange County83%82%81%
Chester town, Orange County83%83%80%
Cornwall town, Orange County77%69%73%
Crawford town, Orange County83%80%77%
Deerpark town, Orange County78%83%74%
Goshen town, Orange County67%69%78%
Greenville town, Orange County87%91%83%
Hamptonburgh town, Orange County94%94%91%
Highlands town, Orange County40%41%39%
Minisink town, Orange County88%83%82%
Monroe town, Orange County65%58%80%
Montgomery town, Orange County68%71%71%
Mount Hope town, Orange County85%88%80%
New Windsor town, Orange County77%73%71%
Newburgh town, Orange County84%81%81%
Tuxedo town, Orange County77%79%78%
Wallkill town, Orange County64%63%66%
Warwick town, Orange County80%78%80%
Wawayanda town, Orange County77%74%90%
Woodbury town, Orange County88%85%89%
Orange Villages
Chester village, Orange County69%66%55%*
Cornwall-on-Hudson village, Orange County75%70%72%
Florida village, Orange County79%76%82%
Goshen village, Orange County51%53%66%
Greenwood Lake village, Orange County78%79%74%*
Harriman village, Orange County60%45%49%*
Highland Falls village, Orange County44%48%52%
Kiryas Joel village, Orange County33%28%32%
Maybrook village, Orange County52%67%51%
Monroe village, Orange County83%77%84%
Montgomery village, Orange County68%62%70%
Otisville village, Orange County72%*82%58%*
South Blooming Grove village, Orange County88%78%67%*
Tuxedo Park village, Orange County86%85%88%**
Unionville village, Orange County83%**83%*60%***
Walden village, Orange County65%65%63%*
Warwick village, Orange County69%58%59%
Washingtonville village, Orange County75%77%80%
Woodbury village, Orange County89%88%93%
Putnam Towns
Carmel town, Putnam County86%81%84%
Kent town, Putnam County87%85%89%
Patterson town, Putnam County81%82%84%
Philipstown town, Putnam County79%81%81%
Putnam Valley town, Putnam County87%91%89%
Southeast town, Putnam County78%75%79%
Putnam Villages
Brewster village, Putnam County21%*23%*19%**
Cold Spring village, Putnam County62%63%64%
Nelsonville village, Putnam County60%*78%74%*
Sullivan Towns
Bethel town, Sullivan County75%69%83%
Callicoon town, Sullivan County74%79%85%
Cochecton town, Sullivan County88%76%80%
Delaware town, Sullivan County74%75%79%
Fallsburg town, Sullivan County52%62%59%
Forestburgh town, Sullivan County86%85%96%
Fremont town, Sullivan County80%90%76%*
Highland town, Sullivan County73%74%89%
Liberty town, Sullivan County55%56%55%
Lumberland town, Sullivan County81%88%93%
Mamakating town, Sullivan County77%78%78%
Neversink town, Sullivan County83%77%83%
Rockland town, Sullivan County68%70%86%
Thompson town, Sullivan County55%51%50%
Tusten town, Sullivan County72%75%85%
Sullivan School Districts
Bloomingburg village, Sullivan County47%***34%**22%***
Jeffersonville village, Sullivan County72%*56%**62%***
Liberty village, Sullivan County39%38%*27%*
Monticello village, Sullivan County33%*27%*27%*
Woodridge village, Sullivan County44%*37%**47%**
Wurtsboro village, Sullivan County64%67%*71%*
Ulster Cities
Kingston city, Ulster County48%47%48%
Ulster Towns
Denning town, Ulster County83%*77%*75%*
Esopus town, Ulster County76%74%81%
Gardiner town, Ulster County72%79%72%*
Hardenburgh town, Ulster County72%*69%*96%**
Hurley town, Ulster County90%91%93%
Kingston town, Ulster County91%89%82%*
Lloyd town, Ulster County69%68%68%
Marbletown town, Ulster County85%80%91%
Marlborough town, Ulster County69%69%73%
New Paltz town, Ulster County54%57%54%
Olive town, Ulster County86%79%87%
Plattekill town, Ulster County64%79%70%
Rochester town, Ulster County85%75%81%
Rosendale town, Ulster County71%75%72%
Saugerties town, Ulster County74%70%67%
Shandaken town, Ulster County74%79%81%
Shawangunk town, Ulster County78%82%82%
Ulster town, Ulster County68%67%66%
Wawarsing town, Ulster County65%62%66%
Woodstock town, Ulster County81%80%71%
Ulster Villages
Ellenville village, Ulster County47%46%*56%*
New Paltz village, Ulster County30%*27%*29%*
Saugerties village, Ulster County49%47%43%

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
2008-122013-172018-22
Region292,031287,067302,738
Columbia18,58118,42918,868
Dutchess75,06074,26478,430
Greene13,39612,96013,589
Orange87,28186,44991,917
Putnam29,22228,10129,299
Sullivan19,72118,52120,660
Ulster48,77048,34349,975
NYS (excluding NYC)2,950,0792,917,1513,046,994
U.S.75,484,66175,833,13581,497,760
Columbia Cities
Hudson city, Columbia County9929601,026
Columbia Towns
Ancram town, Columbia County471427467
Austerlitz town, Columbia County504536702
Canaan town, Columbia County504582651
Chatham town, Columbia County1,5291,3001,503
Claverack town, Columbia County1,9102,1261,853
Clermont town, Columbia County617592664
Copake town, Columbia County1,1381,0491,140
Gallatin town, Columbia County694584548
Germantown town, Columbia County669609715
Ghent town, Columbia County1,6391,5491,492
Greenport town, Columbia County1,2081,2661,131
Hillsdale town, Columbia County603505617
Kinderhook town, Columbia County2,4902,6332,584
Livingston town, Columbia County8941,1191,040
New Lebanon town, Columbia County722758790
Stockport town, Columbia County987760794
Stuyvesant town, Columbia County620639702
Taghkanic town, Columbia County390435449
Columbia Villages
Chatham village, Columbia County406362*446*
Kinderhook village, Columbia County437554521
Philmont village, Columbia County273*247*326*
Valatie village, Columbia County340355476*
Dutchess Cities
Beacon city, Dutchess County2,7023,0503,546
Poughkeepsie city, Dutchess County4,9194,4645,089
Dutchess Towns
Amenia town, Dutchess County9781,136854
Beekman town, Dutchess County3,9353,8973,679
Clinton town, Dutchess County1,3961,2451,531
Dover town, Dutchess County2,6792,1332,421
East Fishkill town, Dutchess County8,7978,6398,967
Fishkill town, Dutchess County5,7305,7306,220
Hyde Park town, Dutchess County5,9495,4165,818
La Grange town, Dutchess County4,6735,0605,055
Milan town, Dutchess County756827886
North East town, Dutchess County758741991
Pawling town, Dutchess County2,2202,3282,386
Pine Plains town, Dutchess County719769676
Pleasant Valley town, Dutchess County2,5502,6332,758
Poughkeepsie town, Dutchess County10,61810,53811,085
Red Hook town, Dutchess County2,8452,6972,646
Rhinebeck town, Dutchess County2,2222,1312,492
Stanford town, Dutchess County1,0571,1791,223
Union Vale town, Dutchess County1,3441,4571,458
Wappinger town, Dutchess County6,9336,9437,128
Washington town, Dutchess County1,2801,2511,521
Dutchess Villages
Fishkill village, Dutchess County422353402
Millbrook village, Dutchess County332357383
Millerton village, Dutchess County166*227*173*
Pawling village, Dutchess County521495491
Red Hook village, Dutchess County489423547*
Rhinebeck village, Dutchess County692631813
Tivoli village, Dutchess County257*238185*
Wappingers Falls village, Dutchess County815*722*790*
Greene Towns
Ashland town, Greene County298*307*261*
Athens town, Greene County1,3281,1381,237
Cairo town, Greene County1,7591,7141,736
Catskill town, Greene County2,7552,6933,168
Coxsackie town, Greene County1,7871,5961,902
Durham town, Greene County819758911
Greenville town, Greene County1,2301,1091,167
Halcott town, Greene County78*114*122**
Hunter town, Greene County784852682*
Jewett town, Greene County316*402377*
Lexington town, Greene County365397270*
New Baltimore town, Greene County1,1421,1281,009
Prattsville town, Greene County209*239*255*
Windham town, Greene County526513492
Greene Villages
Athens village, Greene County478394526
Catskill village, Greene County650*659*1,016
Coxsackie village, Greene County646681661
Hunter village, Greene County145*134**103***
Tannersville village, Greene County108**193**76***
Orange Cities
Middletown city, Orange County4,6305,6655,391
Newburgh city, Orange County3,2162,9323,530
Port Jervis city, Orange County1,5911,8251,747
Orange Towns
Blooming Grove town, Orange County5,0795,0094,836
Chester town, Orange County3,5553,0853,532
Cornwall town, Orange County3,5263,1703,511
Crawford town, Orange County2,6192,6002,318
Deerpark town, Orange County2,5002,5422,117
Goshen town, Orange County3,0123,1103,680
Greenville town, Orange County1,3711,3781,301
Hamptonburgh town, Orange County1,4751,4881,552
Highlands town, Orange County1,1051,3321,490
Minisink town, Orange County1,2861,2311,210
Monroe town, Orange County6,4756,0495,590
Montgomery town, Orange County5,4125,8616,024
Mount Hope town, Orange County1,5021,6641,688
New Windsor town, Orange County7,3346,9777,251
Newburgh town, Orange County9,3358,8589,110
Tuxedo town, Orange County1,2261,1401,185
Wallkill town, Orange County6,3096,5667,781
Warwick town, Orange County9,5119,1329,334
Wawayanda town, Orange County1,9081,8142,384
Woodbury town, Orange County3,3043,0213,381
Orange Villages
Chester village, Orange County1,117942848*
Cornwall-on-Hudson village, Orange County848741872
Florida village, Orange County910800772
Goshen village, Orange County1,0641,1121,531
Greenwood Lake village, Orange County877950824*
Harriman village, Orange County639465562*
Highland Falls village, Orange County695864871
Kiryas Joel village, Orange County1,1501,1641,974
Maybrook village, Orange County556895683
Monroe village, Orange County2,1692,0552,396
Montgomery village, Orange County9739901,026
Otisville village, Orange County317*305282*
South Blooming Grove village, Orange County1,009886786*
Tuxedo Park village, Orange County207175348**
Unionville village, Orange County166**184*136***
Walden village, Orange County1,5811,4701,726*
Warwick village, Orange County1,9781,6961,848
Washingtonville village, Orange County1,6251,6161,671
Woodbury village, Orange County3,1412,9473,256
Putnam Towns
Carmel town, Putnam County9,9079,5619,903
Kent town, Putnam County4,3364,0174,231
Patterson town, Putnam County3,2182,9633,129
Philipstown town, Putnam County2,9512,9033,071
Putnam Valley town, Putnam County3,6013,6873,603
Southeast town, Putnam County5,2094,9705,362
Putnam Villages
Brewster village, Putnam County182*199*192**
Cold Spring village, Putnam County553534538
Nelsonville village, Putnam County165*172186*
Sullivan Towns
Bethel town, Sullivan County1,3221,1701,357
Callicoon town, Sullivan County1,0539141,179
Cochecton town, Sullivan County464474521
Delaware town, Sullivan County788767784
Fallsburg town, Sullivan County2,0142,6002,574
Forestburgh town, Sullivan County342381363
Fremont town, Sullivan County498460389*
Highland town, Sullivan County7017411,022
Liberty town, Sullivan County2,0591,8832,023
Lumberland town, Sullivan County809752711
Mamakating town, Sullivan County3,6233,1503,458
Neversink town, Sullivan County1,2409411,213
Rockland town, Sullivan County1,0841,0641,340
Thompson town, Sullivan County3,2632,7673,129
Tusten town, Sullivan County461457597
Sullivan School Districts
Bloomingburg village, Sullivan County79***49**49***
Jeffersonville village, Sullivan County99*65**99***
Liberty village, Sullivan County691580*468*
Monticello village, Sullivan County908*665*684*
Woodridge village, Sullivan County165*125**136**
Wurtsboro village, Sullivan County248341*365*
Ulster Cities
Kingston city, Ulster County4,6334,4184,686
Ulster Towns
Denning town, Ulster County225*158*129*
Esopus town, Ulster County2,5182,4943,066
Gardiner town, Ulster County1,6611,685817*
Hardenburgh town, Ulster County59*77*64**
Hurley town, Ulster County2,4102,5272,489
Kingston town, Ulster County424396327*
Lloyd town, Ulster County3,0422,6723,056
Marbletown town, Ulster County2,0391,9582,129
Marlborough town, Ulster County2,2762,3872,649
New Paltz town, Ulster County2,5252,5382,682
Olive town, Ulster County1,7961,5151,585
Plattekill town, Ulster County2,4143,1512,869
Rochester town, Ulster County2,3592,2742,507
Rosendale town, Ulster County1,8051,8731,788
Saugerties town, Ulster County5,8155,2865,611
Shandaken town, Ulster County1,1651,1331,193
Shawangunk town, Ulster County3,0613,2973,447
Ulster town, Ulster County3,4253,3933,492
Wawarsing town, Ulster County2,8612,8243,076
Woodstock town, Ulster County2,2572,2872,313
Ulster Villages
Ellenville village, Ulster County699714*941*
New Paltz village, Ulster County631*514*646*
Saugerties village, Ulster County890829790

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 Increasing
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 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
Employment by Sector Not Applicable
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 Maintaining
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 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 Maintaining
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 Decreasing
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 Decreasing
Domestic Violence Decreasing
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 Maintaining
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 Increasing
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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