Counties in New York where people spend most of their paycheck on housing

Written by:
October 3, 2021
Gryffindor // Wikimedia Commons

Counties in New York where people spend most of their paycheck on housing

It’s no secret that many Americans are forgoing homeownership in favor of renting. In 2020, renters in the U.S. occupied 43 million housing units.

The Stacker team looked at data from a United States Census survey that revealed an estimated 43,378,800 renter-occupied homes in the United States as of 2017, which makes up 36.1% of all households in the country. In 2019, renting was more affordable than buying a median-priced home in 59% of the counties; in 2021, the opposite was true: Owning was more affordable than renting in 63% of U.S. counties.

Stacker compiled a list of counties in New York where people spend the highest percent of income on rent using data from the U.S. Census Bureau. Of course, saving money by owning a home is unattainable for many Americans who don’t have savings that could cover a down payment, those who are denied a mortgage, or both. Keep reading to see where in your home state most of people’s take-home pay goes to their monthly rent.

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P199 // Wikimedia Commons

#50. St. Lawrence County

- Median percent of income spent on housing: 17.4%
--- Percent of households spending <20% of income on housing: 53.7%
--- Percent of households spending >30% of income on housing: 24.6%
- Total occupied households: 41,933
- Median household income: $50,940
- Median monthly housing cost: $738

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PQK // Shuterstock

#49. Cayuga County

- Median percent of income spent on housing: 17.4%
--- Percent of households spending <20% of income on housing: 53.4%
--- Percent of households spending >30% of income on housing: 24.7%
- Total occupied households: 31,221
- Median household income: $58,377
- Median monthly housing cost: $848

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Andre Carrotflower // Wikimedia Commons

#48. Chautauqua County

- Median percent of income spent on housing: 17.5%
--- Percent of households spending <20% of income on housing: 52.6%
--- Percent of households spending >30% of income on housing: 26.8%
- Total occupied households: 53,075
- Median household income: $46,820
- Median monthly housing cost: $681

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Richard Cavalleri // Shutterstock

#47. Clinton County

- Median percent of income spent on housing: 17.5%
--- Percent of households spending <20% of income on housing: 51.6%
--- Percent of households spending >30% of income on housing: 24.5%
- Total occupied households: 31,301
- Median household income: $56,365
- Median monthly housing cost: $822

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Mihai_Andritoiu // Shutterstock

#46. Niagara County

- Median percent of income spent on housing: 17.5%
--- Percent of households spending <20% of income on housing: 52.2%
--- Percent of households spending >30% of income on housing: 25.8%
- Total occupied households: 88,519
- Median household income: $55,522
- Median monthly housing cost: $812

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Doug Kerr // Wikimedia Commons

#45. Delaware County

- Median percent of income spent on housing: 17.8%
--- Percent of households spending <20% of income on housing: 49.0%
--- Percent of households spending >30% of income on housing: 27.6%
- Total occupied households: 18,968
- Median household income: $49,544
- Median monthly housing cost: $735

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Colgate University // Wikimedia Commons

#44. Madison County

- Median percent of income spent on housing: 17.9%
--- Percent of households spending <20% of income on housing: 52.5%
--- Percent of households spending >30% of income on housing: 24.3%
- Total occupied households: 25,877
- Median household income: $61,633
- Median monthly housing cost: $919

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Nina Alizada // Shutterstock

#43. Oneida County

- Median percent of income spent on housing: 17.9%
--- Percent of households spending <20% of income on housing: 51.0%
--- Percent of households spending >30% of income on housing: 26.4%
- Total occupied households: 89,729
- Median household income: $56,027
- Median monthly housing cost: $836

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PhotoItaliaStudio // Shutterstock

#42. Saratoga County

- Median percent of income spent on housing: 18.1%
--- Percent of households spending <20% of income on housing: 52.6%
--- Percent of households spending >30% of income on housing: 24.4%
- Total occupied households: 94,406
- Median household income: $84,291
- Median monthly housing cost: $1,268

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tomtsya// Shutterstock

#41. Essex County

- Median percent of income spent on housing: 18.1%
--- Percent of households spending <20% of income on housing: 51.4%
--- Percent of households spending >30% of income on housing: 25.5%
- Total occupied households: 15,790
- Median household income: $56,763
- Median monthly housing cost: $855

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Andre Carrotflower // Wikimedia Commons

#40. Wayne County

- Median percent of income spent on housing: 18.1%
--- Percent of households spending <20% of income on housing: 50.7%
--- Percent of households spending >30% of income on housing: 25.9%
- Total occupied households: 36,720
- Median household income: $59,449
- Median monthly housing cost: $896

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Lvklock // Wikimedia Commons

#39. Chemung County

- Median percent of income spent on housing: 18.1%
--- Percent of households spending <20% of income on housing: 51.3%
--- Percent of households spending >30% of income on housing: 26.5%
- Total occupied households: 33,989
- Median household income: $54,940
- Median monthly housing cost: $829

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Reilchey27 // Wikimedia Commons

#38. Schoharie County

- Median percent of income spent on housing: 18.2%
--- Percent of households spending <20% of income on housing: 48.6%
--- Percent of households spending >30% of income on housing: 26.8%
- Total occupied households: 12,559
- Median household income: $57,714
- Median monthly housing cost: $874

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marjobani // Wikimedia Commons

#37. Seneca County

- Median percent of income spent on housing: 18.2%
--- Percent of households spending <20% of income on housing: 52.2%
--- Percent of households spending >30% of income on housing: 24.7%
- Total occupied households: 13,564
- Median household income: $54,545
- Median monthly housing cost: $828

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Kenneth Sponsler // Shutterstock

#36. Otsego County

- Median percent of income spent on housing: 18.3%
--- Percent of households spending <20% of income on housing: 51.7%
--- Percent of households spending >30% of income on housing: 28.0%
- Total occupied households: 23,409
- Median household income: $54,028
- Median monthly housing cost: $822

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Benjamin D. Esham (bdesham) // Wikimedia Commons

#35. Livingston County

- Median percent of income spent on housing: 18.3%
--- Percent of households spending <20% of income on housing: 50.2%
--- Percent of households spending >30% of income on housing: 27.3%
- Total occupied households: 24,176
- Median household income: $59,510
- Median monthly housing cost: $909

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Wangkun Jia // Shutterstock

#34. Oswego County

- Median percent of income spent on housing: 18.4%
--- Percent of households spending <20% of income on housing: 51.7%
--- Percent of households spending >30% of income on housing: 26.0%
- Total occupied households: 46,079
- Median household income: $55,967
- Median monthly housing cost: $859

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Lamar Gore/USFWS // Wikimedia Commons

#33. Schuyler County

- Median percent of income spent on housing: 18.5%
--- Percent of households spending <20% of income on housing: 50.2%
--- Percent of households spending >30% of income on housing: 23.8%
- Total occupied households: 7,324
- Median household income: $52,327
- Median monthly housing cost: $806

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Beyond My Ken // Wikimedia Commons

#32. Fulton County

- Median percent of income spent on housing: 18.5%
--- Percent of households spending <20% of income on housing: 49.9%
--- Percent of households spending >30% of income on housing: 27.4%
- Total occupied households: 22,557
- Median household income: $50,482
- Median monthly housing cost: $779

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Stef Ko // Shutterstock

#31. Cortland County

- Median percent of income spent on housing: 18.5%
--- Percent of households spending <20% of income on housing: 50.9%
--- Percent of households spending >30% of income on housing: 25.5%
- Total occupied households: 17,745
- Median household income: $56,023
- Median monthly housing cost: $865

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Canva

#30. Erie County

- Median percent of income spent on housing: 18.5%
--- Percent of households spending <20% of income on housing: 49.9%
--- Percent of households spending >30% of income on housing: 27.8%
- Total occupied households: 389,585
- Median household income: $58,121
- Median monthly housing cost: $898

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Daniel Case // Wikimedia Commons

#29. Ontario County

- Median percent of income spent on housing: 18.6%
--- Percent of households spending <20% of income on housing: 51.4%
--- Percent of households spending >30% of income on housing: 24.9%
- Total occupied households: 44,787
- Median household income: $64,944
- Median monthly housing cost: $1,005

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littlenySTOCK // Shutterstock

#28. Onondaga County

- Median percent of income spent on housing: 18.8%
--- Percent of households spending <20% of income on housing: 49.4%
--- Percent of households spending >30% of income on housing: 26.9%
- Total occupied households: 185,324
- Median household income: $61,359
- Median monthly housing cost: $963

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Canva

#27. Broome County

- Median percent of income spent on housing: 18.9%
--- Percent of households spending <20% of income on housing: 49.0%
--- Percent of households spending >30% of income on housing: 29.4%
- Total occupied households: 78,549
- Median household income: $52,226
- Median monthly housing cost: $821

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Daniel Case // Wikimedia Commons

#26. Columbia County

- Median percent of income spent on housing: 19.0%
--- Percent of households spending <20% of income on housing: 47.1%
--- Percent of households spending >30% of income on housing: 29.1%
- Total occupied households: 24,966
- Median household income: $66,787
- Median monthly housing cost: $1,058

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UpstateNYer // Wikimedia Commons

#25. Washington County

- Median percent of income spent on housing: 19.1%
--- Percent of households spending <20% of income on housing: 48.6%
--- Percent of households spending >30% of income on housing: 27.6%
- Total occupied households: 24,014
- Median household income: $57,258
- Median monthly housing cost: $909

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Matt H. Wade // Wikimedia Commons

#24. Rensselaer County

- Median percent of income spent on housing: 19.4%
--- Percent of households spending <20% of income on housing: 47.2%
--- Percent of households spending >30% of income on housing: 27.2%
- Total occupied households: 64,906
- Median household income: $68,991
- Median monthly housing cost: $1,113

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UpstateNYer // Wikimedia Commons

#23. Schenectady County

- Median percent of income spent on housing: 19.5%
--- Percent of households spending <20% of income on housing: 45.4%
--- Percent of households spending >30% of income on housing: 28.5%
- Total occupied households: 54,302
- Median household income: $65,499
- Median monthly housing cost: $1,062

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Jimmy Emerson // Wikimedia Commons

#22. Orleans County

- Median percent of income spent on housing: 19.7%
--- Percent of households spending <20% of income on housing: 46.7%
--- Percent of households spending >30% of income on housing: 29.0%
- Total occupied households: 16,563
- Median household income: $52,620
- Median monthly housing cost: $862

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Jwilson855 // Wikimedia Commons

#21. Montgomery County

- Median percent of income spent on housing: 19.7%
--- Percent of households spending <20% of income on housing: 47.1%
--- Percent of households spending >30% of income on housing: 30.3%
- Total occupied households: 19,660
- Median household income: $49,462
- Median monthly housing cost: $814

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Gbklyn // Wikimedia Commons

#20. Warren County

- Median percent of income spent on housing: 19.8%
--- Percent of households spending <20% of income on housing: 46.9%
--- Percent of households spending >30% of income on housing: 29.0%
- Total occupied households: 28,015
- Median household income: $61,024
- Median monthly housing cost: $1,005

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Paul Brady Photography // Shutterstock

#19. Monroe County

- Median percent of income spent on housing: 20.4%
--- Percent of households spending <20% of income on housing: 45.4%
--- Percent of households spending >30% of income on housing: 31.1%
- Total occupied households: 301,948
- Median household income: $60,075
- Median monthly housing cost: $1,022

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Wangkun Jia // Shutterstock

#18. Albany County

- Median percent of income spent on housing: 20.4%
--- Percent of households spending <20% of income on housing: 45.1%
--- Percent of households spending >30% of income on housing: 30.7%
- Total occupied households: 126,540
- Median household income: $66,252
- Median monthly housing cost: $1,128

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Eric Richards // Wikimedia Commons

#17. Sullivan County

- Median percent of income spent on housing: 20.7%
--- Percent of households spending <20% of income on housing: 42.3%
--- Percent of households spending >30% of income on housing: 33.1%
- Total occupied households: 28,184
- Median household income: $57,426
- Median monthly housing cost: $990

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Wangkun Jia // Shutterstock

#16. Jefferson County

- Median percent of income spent on housing: 21.4%
--- Percent of households spending <20% of income on housing: 42.1%
--- Percent of households spending >30% of income on housing: 29.8%
- Total occupied households: 42,734
- Median household income: $52,685
- Median monthly housing cost: $940

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Felix Lipov // Shutterstock

#15. Greene County

- Median percent of income spent on housing: 21.7%
--- Percent of households spending <20% of income on housing: 44.1%
--- Percent of households spending >30% of income on housing: 33.0%
- Total occupied households: 17,100
- Median household income: $53,601
- Median monthly housing cost: $970

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Colin D. Young // Shutterstock

#14. Dutchess County

- Median percent of income spent on housing: 21.7%
--- Percent of households spending <20% of income on housing: 39.3%
--- Percent of households spending >30% of income on housing: 36.0%
- Total occupied households: 108,413
- Median household income: $81,219
- Median monthly housing cost: $1,470

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Fred Hsu // Wikimedia Commons

#13. Ulster County

- Median percent of income spent on housing: 23.0%
--- Percent of households spending <20% of income on housing: 39.2%
--- Percent of households spending >30% of income on housing: 36.2%
- Total occupied households: 69,320
- Median household income: $64,304
- Median monthly housing cost: $1,235

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James Kirkikis // Shutterstock

#12. Putnam County

- Median percent of income spent on housing: 23.2%
--- Percent of households spending <20% of income on housing: 38.2%
--- Percent of households spending >30% of income on housing: 36.6%
- Total occupied households: 34,854
- Median household income: $104,486
- Median monthly housing cost: $2,020

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Lewis Liu // Shutterstock

#11. Tompkins County

- Median percent of income spent on housing: 23.8%
--- Percent of households spending <20% of income on housing: 40.2%
--- Percent of households spending >30% of income on housing: 34.9%
- Total occupied households: 39,618
- Median household income: $60,240
- Median monthly housing cost: $1,195

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Mwanner // Wikimedia Commons

#10. Orange County

- Median percent of income spent on housing: 24.0%
--- Percent of households spending <20% of income on housing: 35.6%
--- Percent of households spending >30% of income on housing: 38.9%
- Total occupied households: 128,016
- Median household income: $79,944
- Median monthly housing cost: $1,596

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Canva

#9. Westchester County

- Median percent of income spent on housing: 24.1%
--- Percent of households spending <20% of income on housing: 36.5%
--- Percent of households spending >30% of income on housing: 39.6%
- Total occupied households: 349,292
- Median household income: $96,610
- Median monthly housing cost: $1,940

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Roman Babakin // Shutterstock

#8. Richmond County

- Median percent of income spent on housing: 24.2%
--- Percent of households spending <20% of income on housing: 36.0%
--- Percent of households spending >30% of income on housing: 38.9%
- Total occupied households: 166,246
- Median household income: $82,783
- Median monthly housing cost: $1,669

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littlenySTOCK // Shutterstock

#7. Nassau County

- Median percent of income spent on housing: 24.4%
--- Percent of households spending <20% of income on housing: 37.1%
--- Percent of households spending >30% of income on housing: 38.1%
- Total occupied households: 446,977
- Median household income: $116,100
- Median monthly housing cost: $2,361

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pisaphotography // Shutterstock

#6. New York County

- Median percent of income spent on housing: 24.9%
--- Percent of households spending <20% of income on housing: 39.2%
--- Percent of households spending >30% of income on housing: 37.7%
- Total occupied households: 759,460
- Median household income: $86,553
- Median monthly housing cost: $1,795

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Tim Hettler from New York, NY, USA // Wikimedia Commons

#5. Suffolk County

- Median percent of income spent on housing: 25.2%
--- Percent of households spending <20% of income on housing: 34.3%
--- Percent of households spending >30% of income on housing: 39.6%
- Total occupied households: 489,301
- Median household income: $101,031
- Median monthly housing cost: $2,121

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Felix Lipov // Shutterstock

#4. Rockland County

- Median percent of income spent on housing: 26.4%
--- Percent of households spending <20% of income on housing: 31.1%
--- Percent of households spending >30% of income on housing: 44.2%
- Total occupied households: 100,438
- Median household income: $93,024
- Median monthly housing cost: $2,050

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Bjoertvedt // Wikimedia Commons

#3. Queens County

- Median percent of income spent on housing: 27.6%
--- Percent of households spending <20% of income on housing: 32.1%
--- Percent of households spending >30% of income on housing: 44.7%
- Total occupied households: 778,932
- Median household income: $68,666
- Median monthly housing cost: $1,582

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Victor Moussa // Shutterstock

#2. Kings County

- Median percent of income spent on housing: 29.7%
--- Percent of households spending <20% of income on housing: 29.3%
--- Percent of households spending >30% of income on housing: 47.0%
- Total occupied households: 958,567
- Median household income: $60,231
- Median monthly housing cost: $1,490

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Gryffindor // Wikimedia Commons

#1. Bronx County

- Median percent of income spent on housing: 37.0%
--- Percent of households spending <20% of income on housing: 23.9%
--- Percent of households spending >30% of income on housing: 53.0%
- Total occupied households: 503,829
- Median household income: $40,088
- Median monthly housing cost: $1,236

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