Economic Security
Homeownership Rate, by Race/Ethnicity

Using the charts: Items in the legend below the chart can be clicked on and off to aid in analysis. The chart can also be printed or exported as an image or document using the menu at the top right of the chart. See a Guide to the Westchester Index Website for more information.





Source: U.S. Census Bureau

What does this measure?

The number of owner-occupied units (not rented) as a percent of all occupied units (not vacant), for various racial and ethnic groups.

Why is this important?

Historically, members of some racial and ethnic groups have suffered discrimination in buying homes and accessing home mortgages. A home is a vital financial asset for a family and an investment in both the local neighborhood and surrounding community.

How is Westchester County performing?

In 2016-20, homeownership rates in Westchester County were highest among white and Asian residents, at 73% and 64% respectively, followed by African American residents at 37%, and Hispanic residents at 35%. The racial/ethnic disparity was similar at the national level; however, rates of homeownership among Hispanics and African Americans in Westchester were 14 and 5 percentage points lower, respectively, than the nation. Westchester's rates were higher than the state rates for all groups, particularly among Asians with a difference of 15 percentage points. Since 2000, rates of home ownership in Westchester have increased for all groups. The share of Asian homeowners increased the most (11%) followed by Hispanics (9%), and African Americans and whites (both 4%).

Among comparison counties, Westchester had the lowest homeownership rates for Asian, African American, and Hispanic residents. Its rate among whites was on par with Rockland and 10 percentage points lower than Nassau. Most of the municipalities in the county did not have large enough populations of residents in each racial or ethnic group for reliable estimates except for Yonkers and Greenburgh. Both had similar racial/ethnic disparities in homeownership to the county, but rates of homeownership were lower among all groups in Yonkers and higher among all groups in Greenburgh, compared to the county.

Why do these disparities exist?

Disparities in homeownership are connected to racial inequities within systems beyond housing, including financial services, labor market and intergenerational wealth. Historic practices including redlining, exclusionary mortgage practices and restrictive covenants barring property from being owned by members of specific groups directly locked people out of homeownership. These had intergenerational effects when people of color were unable to benefit from wealth transfers of home equity as white homebuyers can. Since Black and Latino households generally have lower wages and wealth accumulation, they have less resources for down payments and higher debt to income ratios. With lower credit scores than other racial/ethnic groups, communities of color may be less likely to qualify for mortgages as underwriting standards increase. Many in the Black and Latino community may lack information about the home buying process and choose to stay renters. Discrimination during the home buying process also influences whether people of color buy a house. Researchers have found that during the search process, people of color were shown fewer houses and provided less information than whites.

Notes about the data

The multi-year 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, by Race/Ethnicity, 2016-20
AsianBlack or African AmericanHispanicWhite
Westchester County64%37%35%73%
Nassau County85%70%60%85%
Putnam County90%*66%*68%84%
Rockland County77%50%51%73%
New York State49%32%27%64%
Mount Vernon38%**34%27%*53%
New Rochelle45%*37%38%66%
Peekskill87%***42%*25%*68%
Rye City36%**57%***50%***73%
White Plains42%*40%*32%*63%
Yonkers59%28%29%61%
Westchester County Towns
Bedford100%***34%***34%**77%
Cortlandt77%*49%*59%81%
Eastchester46%*19%***48%**78%
Greenburgh82%59%52%74%
Harrison46%**25%***30%**69%
Lewisboro83%**N/A***67%***92%
Mamaroneck78%*30%***40%*77%
Mount Kisco82%***39%***20%***71%
Mount Pleasant72%*42%***26%*80%
New Castle95%*55%***100%***93%
North Castle100%***100%***56%**89%
North Salem63%***0%***100%***86%
Ossining56%*54%**38%73%
Pelham83%*47%***66%*86%
Pound Ridge100%***43%***54%***92%
Rye64%**37%**28%65%
Scarsdale79%59%***43%***89%
Somers100%**49%***86%**88%
Yorktown98%*73%*73%84%
Westchester County Villages
Ardsley97%*67%***100%***80%
Briarcliff Manor100%**100%***81%***83%
Bronxville62%***N/A***64%***81%
Buchanan100%***89%***77%***78%
Croton-on-Hudson79%***66%***45%***82%
Dobbs Ferry92%***39%***33%**60%
Elmsford37%***46%**53%*65%*
Village of Harrison46%**25%***30%**69%
Hastings-on-Hudson85%***100%***40%***76%
Irvington100%***N/A***87%***75%
Larchmont75%***100%***41%***79%
Village of Mamaroneck54%***47%***30%**67%
Village of Mount Kisco82%***39%***20%***71%
Village of Ossining42%**47%**32%*64%
Village of Pelham73%**43%***48%**77%
Pelham Manor100%***54%***100%**94%
Pleasantville100%***N/A***46%***88%
Port Chester51%***33%***26%52%
Rye Brook84%*100%***56%**83%
Village of Scarsdale79%59%***43%***89%
Sleepy Hollow57%***39%***9%***49%*
Tarrytown68%***43%***40%***64%
Tuckahoe30%***12%***0%***64%*

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%. The Census Bureau asks people to identify their race (white, African-American, etc.) separate from their ethnicity (Hispanic or non-Hispanic). So the totals for these categories cannot be added together, as people show up in both a racial and ethnic group.




Number of Homeowners by Race/Ethnicity, 2016-20
AsianBlack or African AmericanHispanicWhite
Westchester County12,63619,94225,106169,000
Nassau County32,09433,06035,327277,919
Putnam County502*641*2,63926,080
Rockland County4,3985,7797,51954,256
New York State265,583347,456309,4553,191,602
Mount Vernon215**5,9561,007*3,309
New Rochelle844*2,5182,65110,694
Peekskill228***1,044*757*2,974
Rye City110**86***232***3,487
White Plains816*1,177*1,818*9,095
Yonkers2,2924,1867,55724,464
Westchester County Towns
Bedford236***44***354**3,632
Cortlandt317*567*1,1849,512
Eastchester581*59***381**8,325
Greenburgh2,3992,1792,17517,947
Harrison319**37***253**4,860
Lewisboro161**0***126***3,928
Mamaroneck445*100***545*6,771
Mount Kisco105***78***184***2,402
Mount Pleasant530*189***619*9,411
New Castle479*108***87***4,768
North Castle236***84***276**3,253
North Salem62***0***86***1,338
Ossining384*537**1,2877,290
Pelham227*118***277*2,844
Pound Ridge88***16***31***1,571
Rye272**273**1,5317,159
Scarsdale66847***118***3,777
Somers107**96***636**6,601
Yorktown515*443*9349,588
Westchester County Villages
Ardsley158*41***96***948
Briarcliff Manor90**23***141***2,061
Bronxville77***0***83***1,634
Buchanan19***50***71***469
Croton-on-Hudson77***43***121***2,130
Dobbs Ferry114***58***158**1,869
Elmsford59***164**266*454*
Village of Harrison319**37***253**4,860
Hastings-on-Hudson94***18***41***2,122
Irvington149***0***100***1,431
Larchmont104***11***63***1,549
Village of Mamaroneck152***134***431**3,604
Village of Mount Kisco105***78***184***2,402
Village of Ossining207**389**988*3,728
Village of Pelham127**75***129**1,278
Pelham Manor100***43***148**1,566
Pleasantville130***0***133***1,771
Port Chester83***169***1,2073,059
Rye Brook114*42***212**2,529
Village of Scarsdale66847***118***3,777
Sleepy Hollow57***90***142***1,105*
Tarrytown259***84***293***2,393
Tuckahoe146***22***0***1,281*

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%. The Census Bureau asks people to identify their race (white, African-American, etc.) separate from their ethnicity (Hispanic or non-Hispanic). So the totals for these categories cannot be added together, as people show up in both a racial and ethnic group.








INDICATORS TREND | WESTCHESTER
Early Prenatal Care, by Mother's Race/Ethnicity 1
Increasing
Infant Mortality Rate, by Race/Ethnicity 10 Not Applicable*
Children with Elevated Blood Lead Levels 0
Maintaining
Children Receiving Subsidized Child Care -1
Decreasing
Children Living in Poverty, by Race/Ethnicity 1
Increasing
Disengaged Youth, Ages 16 to 19 -1
Decreasing
Single-Parent Families, by Race/Ethnicity 1
Increasing
Single Female-Headed Households 0
Maintaining
Contributions as a Percentage of Income 0
Maintaining
Voter Registration Rate 1
Increasing
Voter Participation Rate 1
Increasing
Serious Crimes -1
Decreasing
Victims of Domestic Violence -1
Decreasing
Arrest Rates, by Race/Ethnicity 10 Not Applicable*
Households With Internet Access, by Race/Ethnicity 10 Not Applicable*
Households without Vehicles -1
Decreasing
Means of Transportation to Work, by Race/Ethnicity -1
Decreasing
Air Quality 1
Increasing
Population Density 0
Maintaining
Water Quality of the Long Island Sound 1
Increasing
Open Space in Westchester County 1
Increasing
Change in Total Population 1
Increasing
Change in Population, by Race/Ethnicity 1
Increasing
Change in Population, by Age -1
Decreasing
People with Disabilities 1
Increasing
Language Diversity 1
Increasing
People 65 or Older Living Alone 1
Increasing
Change in Total Jobs -1
Decreasing
Change in Jobs by Sector 10 Not Applicable*
Business Ownership, by Race/Ethnicity 10 Not Applicable*
Average Salary by Sector 10 Not Applicable*
Median Household Income, by Race/Ethnicity 0
Maintaining
Female to Male Earnings Ratio 0
Maintaining
Unemployment Rate, by Race/Ethnicity 1
Increasing
People Living in Poverty -1
Decreasing
People Living in Poverty, by Race/Ethnicity 0
Maintaining
Seniors Living in Poverty 0
Maintaining
Seniors Living in Poverty, by Race/Ethnicity 1
Increasing
Food Insecurity -1
Decreasing
Households Receiving SNAP, by Race/Ethnicity 0
Maintaining
Public Assistance 0
Maintaining
People Receiving Supplemental Security Income 1
Increasing
Homeownership Rate, by Race/Ethnicity 1
Increasing
Cost of Homeownership, by Race/Ethnicity 10 Not Applicable*
Overall Housing Cost Burden -1
Decreasing
Cost of Rent, by Race/Ethnicity 10 Not Applicable*
Rent Burdened Households -1
Decreasing
Homelessness, by Race/Ethnicity 10 Not Applicable*
Homelessness, by Sex 10 Not Applicable*
Per-Student Spending 0
Maintaining
Student Suspensions -1
Decreasing
Student Performance on Grade 3 English, by Race/Ethnicity 1
Increasing
High School Cohort Graduation Rate, by Race/Ethnicity 1
Increasing
College Admission Rate, by Race/Ethnicity 1
Increasing
College Enrollment Rate, by Race/Ethnicity -1
Decreasing
Education Levels of Adults, by Race/Ethnicity 1
Increasing
People Without Health Insurance -1
Decreasing
Mortality Rate, by Race/Ethnicity 10 Not Applicable*
Mortality Rate from Chronic Lower Respiratory Disease, by Race/Ethnicity 10 Not Applicable*
Diabetes Mortality, by Race/Ethnicity 10 Not Applicable*
Suicide Rates, by Race/Ethnicity 10 Not Applicable*


Loading...