Homeownership rate and Median household income
Where Homeownership rate is higher, Median household income tends to be higher. The link is weak: +0.34 across 3,198 counties, on a scale from −1 (opposite) to +1 (in step). That figure compares places with the same population density, income and education, so those differences can't explain it. It holds inside states too. Measured separately within each of 41 states, the middle value of the link is +0.14.
Holds after adjusting
Every place, plotted
One dot for each place reporting both measures. Hover over or tap a dot to see its name and values. The thin line is the straight line that best fits the dots. The bold line, shown for counties, is the link after adjusting for density, income and education. A dot far from the lines is a place that does not follow the pattern.
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What each measure is
Homeownership rate
The percentage of lived-in homes that are owned, not rented. Empty homes are left out of the count entirely.
Census ACS 5-year · ACS table B25003_002, divided by occupied housing units
Median household income
The income of the middle household: half of households earn more, and half earn less. It counts all money income before taxes. Since it is the middle value, not the average, a few very high incomes do not change it.
Census ACS 5-year · ACS table B19013_001
Highest and lowest
Where each measure is highest and lowest among the places reporting both (2023), with the other measure beside it. This is shown for every size of place where both are published. Metro-area values are added up from their counties. A measure that cannot be added up across counties, such as a middle value (median), has no metro figure. Counts are shown per 1,000 residents, since raw totals would only list the largest places. Cities and towns and ZIP codes are shown where the Census survey or the CDC publishes them; most other sources stop at the county. They are shown for places of 5,000 residents or more, and only where the survey’s margin of error is small enough for the figure to be usable. The CDC publishes its health estimates for cities in a version adjusted for age, so places with older or younger people can be compared fairly, but not for ZIP codes.
Counties
By homeownership rate
| Homeownership rate | Median household income | |
|---|---|---|
| Highest | ||
| Storey County, NV | 97.4% | $96,000 |
| Cameron Parish, LA | 96.9% | $72,500 |
| Edwards County, TX | 94.5% | $38,500 |
| Elbert County, CO | 94.4% | $129,480 |
| Oliver County, ND | 93.4% | $76,953 |
| Lowest | ||
| Bronx County, NY | 20.3% | $49,036 |
| New York County, NY | 24.7% | $104,550 |
| Aleutians West Census Area, AK | 29.5% | $107,340 |
| Kings County, NY | 29.7% | $78,548 |
| Hudson County, NJ | 31.2% | $90,032 |
By median household income
| Homeownership rate | Median household income | |
|---|---|---|
| Highest | ||
| Loudoun County, VA | 77.9% | $178,710 |
| Santa Clara County, CA | 55.3% | $159,670 |
| San Mateo County, CA | 59.1% | $156,000 |
| Falls Church city, VA | 50.2% | $154,730 |
| Fairfax County, VA | 68.3% | $150,110 |
| Lowest | ||
| Las MarÃas Municipio, PR | 74.4% | $16,170 |
| Guánica Municipio, PR | 71.2% | $16,210 |
| ComerÃo Municipio, PR | 61.7% | $17,254 |
| Vieques Municipio, PR | 68.9% | $17,531 |
| Utuado Municipio, PR | 61.6% | $17,624 |
States
By homeownership rate
| Homeownership rate | Median household income | |
|---|---|---|
| Highest | ||
| West Virginia | 74.3% | $57,917 |
| Maine | 74% | $71,773 |
| Michigan | 72.9% | $71,149 |
| Vermont | 72.8% | $78,024 |
| New Hampshire | 72.5% | $95,628 |
| Lowest | ||
| District of Columbia | 41.1% | $106,290 |
| New York | 54.3% | $84,578 |
| California | 55.8% | $96,334 |
| Nevada | 59.3% | $75,561 |
| Hawaii | 62.6% | $98,317 |
By median household income
| Homeownership rate | Median household income | |
|---|---|---|
| Highest | ||
| District of Columbia | 41.1% | $106,290 |
| Maryland | 67.5% | $101,650 |
| Massachusetts | 62.6% | $101,340 |
| New Jersey | 63.7% | $101,050 |
| Hawaii | 62.6% | $98,317 |
| Lowest | ||
| Puerto Rico | 68.1% | $25,096 |
| Mississippi | 69.5% | $54,915 |
| West Virginia | 74.3% | $57,917 |
| Arkansas | 66.1% | $58,773 |
| Louisiana | 67.3% | $60,023 |
Metro areas — Median household income is not published for metro areas
By homeownership rate
| Homeownership rate | Median household income | |
|---|---|---|
| Highest | ||
| Wildwood-The Villages, FL | 88.1% | — |
| Hemlock Farms, PA | 86.2% | — |
| Holland, MI | 86.1% | — |
| Homosassa Springs, FL | 84.8% | — |
| DeRidder, LA | 83.2% | — |
| Lowest | ||
| Pullman, WA | 46.6% | — |
| Los Angeles-Long Beach-Anaheim, CA | 48.6% | — |
| Carbondale, IL | 49.3% | — |
| Laramie, WY | 49.4% | — |
| Lawrence, KS | 49.5% | — |
Cities and towns
By homeownership rate
| Homeownership rate | Median household income | |
|---|---|---|
| Highest | ||
| East Hills village, NY | 100% | $250,000 or more |
| White Rock CDP, NM | 99.6% | $150,710 |
| Hooper city, UT | 99.4% | $114,770 |
| Marvin village, NC | 99.3% | $250,000 or more |
| Todd Creek CDP, CO | 99.2% | $185,420 |
| Lowest | ||
| Fort Carson CDP, CO | 0% | $61,783 |
| Air Force Academy CDP, CO | 0% | $93,889 |
| North Fort Lewis CDP, WA | 0% | $72,778 |
| Lackland AFB CDP, TX | 0% | $110,830 |
| Fort Bliss CDP, TX | 0% | $55,267 |
By median household income
| Homeownership rate | Median household income | |
|---|---|---|
| Highest — 41 are at $250,000 or more; five shown. | ||
| Glencoe village, IL | 91.9% | $250,000 or more |
| Hinsdale village, IL | 90.6% | $250,000 or more |
| Winnetka village, IL | 92.2% | $250,000 or more |
| Travilah CDP, MD | 96.2% | $250,000 or more |
| Wellesley CDP, MA | 84% | $250,000 or more |
| Lowest | ||
| Aguadilla zona urbana, PR | 42.6% | $13,125 |
| Guánica zona urbana, PR | 68.8% | $14,772 |
| Utuado zona urbana, PR | 50.8% | $14,843 |
| Las Piedras zona urbana, PR | 60.5% | $14,995 |
| Manatí zona urbana, PR | 59.5% | $15,912 |
ZIP codes
By homeownership rate
| Homeownership rate | Median household income | |
|---|---|---|
| Highest | ||
| ZIP 29207 (Columbia city, SC) | 100% | $66,875 |
| ZIP 08056 (Gloucester County, NJ) | 100% | $148,410 |
| ZIP 48380 (Oakland County, MI) | 99.7% | $133,220 |
| ZIP 87547 (White Rock CDP, NM) | 99.6% | $150,710 |
| ZIP 06419 (Middlesex County, CT) | 99.5% | $132,740 |
| Lowest | ||
| ZIP 99703 (Fairbanks city, AK) | 0% | $65,839 |
| ZIP 99505 (Anchorage municipality, AK) | 0% | $98,500 |
| ZIP 85613 (Sierra Vista city, AZ) | 0% | $86,744 |
| ZIP 80902 (El Paso County, CO) | 0% | $65,255 |
| ZIP 80840 (El Paso County, CO) | 0% | $93,889 |
By median household income
| Homeownership rate | Median household income | |
|---|---|---|
| Highest — 40 are at $250,000 or more; five shown. | ||
| ZIP 10007 (New York city, NY) | 35% | $250,000 or more |
| ZIP 10282 (New York city, NY) | 10.8% | $250,000 or more |
| ZIP 10502 (Ardsley village, NY) | 84.4% | $250,000 or more |
| ZIP 10506 (Westchester County, NY) | 96.7% | $250,000 or more |
| ZIP 10514 (Westchester County, NY) | 88.2% | $250,000 or more |
| Lowest | ||
| ZIP 00913 (San Juan zona urbana, PR) | 16.8% | $6,229 |
| ZIP 00717 (Ponce zona urbana, PR) | 49% | $13,282 |
| ZIP 79901 (El Paso city, TX) | 7.72% | $13,984 |
| ZIP 00915 (San Juan zona urbana, PR) | 40.4% | $14,502 |
| ZIP 00653 (Guánica Municipio, PR) | 68.5% | $15,225 |
Counties furthest from the pattern
Compared with the straight line that best fits all 3,206 counties: the five with far more median household income than their homeownership rate would suggest, and the five with far less.
| Homeownership rate | Median household income | |
|---|---|---|
| Above the line | ||
| Loudoun County, VA | 77.9% | $178,710 |
| Santa Clara County, CA | 55.3% | $159,670 |
| Falls Church city, VA | 50.2% | $154,730 |
| San Mateo County, CA | 59.1% | $156,000 |
| Fairfax County, VA | 68.3% | $150,110 |
| Below the line | ||
| Las MarÃas Municipio, PR | 74.4% | $16,170 |
| Guánica Municipio, PR | 71.2% | $16,210 |
| San Sebastián Municipio, PR | 71.2% | $17,834 |
| Arroyo Municipio, PR | 76.8% | $18,931 |
| Vieques Municipio, PR | 68.9% | $17,531 |
Two series, one county
Both measures over time for a county you pick. The two charts are stacked, so they share only the years along the bottom. You can pick from the thirty largest counties reporting both. This panel covers 2010–2024, and a measure published only once shows as a single dot.
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Every version of the link
Each row measures the same link, from −1 to +1, in a different way. If the rows mostly agree, the link does not depend on one choice of method.
| Before adjusting for anything | +0.086 | 3,198 counties reporting both |
| After adjusting for density, income and education | +0.337 | the part of the link that is not just how urban, rich and educated a place is |
| Also adjusting for population size | +0.387 | size taken out as well as density |
| Also comparing only within each state | +0.542 | each county is compared only with others in its own state, so this is no longer a comparison between states |
| Giving bigger counties more weight | +0.330 | the adjusted link for the average resident rather than the average county. With this weighting, the data counts for about 292 equally weighted counties |
| Middle value inside single states | +0.144 | the link worked out inside each of 41 states with at least 20 counties reporting |
| Using ranks, after adjusting | +0.312 | uses each county’s rank, not its value, so a few extreme counties cannot create the link |
How much to believe it
Could it be chance?
The p-value is the chance of seeing a link this strong if there were really none. A value of 0.05 or less means the link is unlikely to be chance. Very small values are written in short form: 3.1e-16 means 0.00000000000000031, and the bigger the number after “e-”, the smaller the value. Treating every county as a separate case gives p = 1.6e-85. But counties in the same state tend to resemble each other, so the better figure allows for that: p = 1.1e-6. The site tested 20,910 pairs, and testing so many turns up some flukes. The q-value allows for that too. For this pair it is 1.2e-84.
Do nearby places look alike?
Moran’s I measures how much nearby places look alike: 0 means no map pattern, and higher means neighbours are more similar. For the part of each county that the adjustment leaves unexplained, it is +0.60 (p = 0.001). That unexplained part still clusters on the map. So some regional factor shared by both measures is not accounted for.
Did they change together?
The figures above compare counties at one moment. This asks a different question: where homeownership rate rose most, did median household incomemove too? Each county’s change is compared with the average change in its own state. That takes out ups and downs that hit a whole region at once. Each change is the gap between two estimates that both contain some error. That error pulls these links towards zero, so a weak one is weak partly for that reason. The q column shows whether a link could be a fluke, allowing for the many pairs tested: 0.05 or less means it is unlikely to be chance.
| Period | Counties | Change together | Within states | q |
|---|---|---|---|---|
| 2014–2019 the main test: each Census survey figure averages five years, and these two do not overlap; before the pandemic | 3,203 | +0.23 | +0.23 | — |
| 2019–2023 a repeat check: its two five-year survey figures both include 2019, and it covers the COVID years | 3,194 | +0.28 | +0.26 | — |
Both come from the American Community Survey, which asks a sample of households. Random error in a county's sample pushes both changes at once. So part of any agreement here is that shared error. It is shown, but not counted as a finding. How change is measured.
Related pairs
- Median household income and Economy score — +0.78
- Median household income and Per capita income — +0.77
- Median household income and Poverty rate — -0.76
- Median household income and Material security score — +0.66
- Median household income and Share with a bachelor's degree or higher — +0.64
- Median gross rent and Median household income — +0.64
- Median household income and Economic connectedness in high school — +0.62
- Homeownership rate and Median age — +0.58
Association only. Nothing here shows that either measure changes the other. This describes counties, not the people in them. Two measures going together across places does not mean the same people have both. How the US county data works · Explore Homeownership rate and Median household income