1st Advantage MortgageGreene County households have a median income of $77,945 and median rent of $1,004 a month (ACS 2020 to 2024). Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in New York before sharing details.
On this page
- Greene County, NY: the basics
- What Greene County households earn
- Greene County housing compared with New York
- Work, industries and travel time in Greene County
- Greene County next to its neighbors
- Greene County towns compared
- Who lives in Greene County, in numbers
- What the numbers mean for Greene County borrowers
- Debt-to-income at Greene County's medians
- Lender oversight for Greene County
- A Greene County borrower's checklist
- More guides for Greene County
- Frequently asked questions
Greene County, NY: the basics
Roughly 47,409 residents live in Greene County, New York, 48th by population among the state's 62 counties and county equivalents. Packed into 647 square miles, that is close to 73 residents for every square mile of land. No metropolitan area includes Greene County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 20 Census places inside Greene County, Catskill leads by population with about 3,779; 5 of the 20 are incorporated.
What Greene County households earn
Greene County households have a median income of $77,945 (ACS 2020 to 2024), which ranks 20th of 62 in New York.
| Yearly household income | Greene County | Gap to New York |
|---|---|---|
| Under $35,000 | 22.1% | 0.0 pts |
| $35,000 to $99,999 | 39.2% | +5.3 pts |
| $100,000 to $199,999 | 28.1% | +1.3 pts |
| $200,000 or more | 10.5% | -6.5 pts |
The spread is wide: 39% of Greene County households make $100,000 or more, and 22% make less than $35,000. The poverty rate is 9.9%, 4 points lower than the state's 14.0%. Income inequality, measured by the Gini index, comes to 0.467 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Greene County housing compared with New York
Median gross rent, utilities included, comes to $1,004 in Greene County versus $1,621 statewide. Rent takes 30% or more of income for 43% of renter households here. Home values center on $271,600, or 3.5 years of median income. 77% of Greene County households own their home and 23% rent. Median construction year: 1972.
| Housing | Greene County | New York statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,004/mo | $1,621/mo | $877/mo |
| Median home value | $271,600 | $423,800 | $185,300 |
| Owners | 77% | 54% | 75% |
| Rent-burdened renters | 43% | 52% | 45% |
| Burdened owners | 29% | 33% | n/a |
| Mobile homes | 6.8% | 2.1% | n/a |
| Vacant units | 36% | 10% | n/a |
In an owner-heavy county like Greene County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
Work, industries and travel time in Greene County
The biggest employer of Greene County residents, by industry, is education and health care at 21% of workers, followed by professional and administrative services (12%). Compared with New York, the county leans toward public administration (9% against 5%). The survey's unemployment rate for Greene County averages 3.9% over 2020 to 2024 (state: 6.4%). 23% of commuters travel 45 minutes or more each way, and 13% work from home. Households without a car make up 7.3% of the total (29.2% statewide).
| Sector | Greene County | Compared with New York |
|---|---|---|
| Education and health care | 20.5% | -8.8 pts |
| Professional and administrative services | 11.6% | -1.7 pts |
| Retail trade | 11.2% | +1.7 pts |
| Arts, lodging and food service | 10.7% | +2.6 pts |
| Public administration | 8.5% | +3.8 pts |
| Construction | 8.2% | +2.5 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Greene County next to its neighbors
The six counties whose centers lie closest to Greene County's, from 23 to 42 miles away. Ulster County leads the group on income ($86,271), Delaware County trails ($63,337), and Greene County out-earns 2 of the six.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Greene County | - | $77,945 | $1,004/mo | 77% |
| Albany County, NY | 23 mi | $85,333 | $1,313/mo | 57% |
| Ulster County, NY | 24 mi | $86,271 | $1,425/mo | 70% |
| Schoharie County, NY | 26 mi | $70,133 | $909/mo | 76% |
| Columbia County, NY | 27 mi | $81,528 | $1,260/mo | 76% |
| Schenectady County, NY | 37 mi | $79,623 | $1,194/mo | 64% |
| Delaware County, NY | 42 mi | $63,337 | $880/mo | 77% |
Greene County towns compared
The table lists the 14 largest of 20 Census places in Greene County, by population. Together all 20 hold about 18,836 people, so roughly 60% of residents live outside any named place. Incomes vary by place: $118,438 at the median in Haines Falls, $68,775 in Jefferson Heights. Median rent ranges from $862 in Coxsackie to $1,568 in Cairo. Live in one of these Greene County communities, or between them? This is your local guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Catskill | village | 3,779 | $79,423 | $1,087 | 16 mi |
| Coxsackie | village | 2,737 | $70,500 | $862 | 18 mi |
| Athens | village | 1,943 | $84,107 | $1,146 | 17 mi |
| Cairo | CDP | 1,660 | $81,885 | $1,568 | 7 mi |
| Sleepy Hollow Lake | CDP | 1,354 | $110,100 | n/a | 17 mi |
| Jefferson Heights | CDP | 1,192 | $68,775 | $1,451 | 14 mi |
| Palenville | CDP | 870 | n/a | $1,008 | 9 mi |
| Round Top | CDP | 831 | $103,542 | n/a | 6 mi |
| Tannersville | village | 759 | $78,750 | $1,317 | 6 mi |
| Greenville | CDP | 620 | n/a | $1,036 | 11 mi |
| South Cairo | CDP | 619 | n/a | $958 | 10 mi |
| Haines Falls | CDP | 513 | $118,438 | n/a | 7 mi |
| East Durham | CDP | 495 | $82,813 | n/a | 6 mi |
| New Baltimore | CDP | 298 | $85,461 | n/a | 21 mi |
Who lives in Greene County, in numbers
College graduates make up 30% of the adult population. About 4% go without health insurance.
| Residents | Greene County | New York | Middle U.S. county |
|---|---|---|---|
| Median age | 47.4 | 39.8 | 41.5 |
| Bachelor's or higher | 29.9% | 40.2% | 22.2% |
| No high school diploma | 11.0% | 12.0% | n/a |
| No health insurance | 3.7% | 5.1% | 7.8% |
| No vehicle | 7.3% | 29.2% | 5.4% |
| Work from home | 12.8% | 14.9% | 8.7% |
| Poverty rate | 9.9% | 14.0% | 13.2% |
| Unemployment (ACS) | 3.9% | 6.4% | 4.4% |
| Commute length | Greene County |
|---|---|
| Under 15 min | 29.1% |
| 15 to 29 min | 26.6% |
| 30 to 44 min | 21.7% |
| 45 to 59 min | 13.6% |
| 60+ min | 9.0% |
What the numbers mean for Greene County borrowers
Based on the Greene County data above, these borrowing questions are most likely to matter locally.
- Long drives. With 23% of commutes over 45 minutes, tires and repairs are fixed costs in many Greene County budgets.
- Older households. A 47.4 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
Debt-to-income at Greene County's medians
Greene County at the medians, through a lender's eyes (what DTI means):
- $6,495 a month: gross income for a household at the Greene County median
- Less median rent of $1,004, which is 15% of it
- At 36%, room after rent is $1,334 a month
- With a 43% ceiling, about $1,789 remains for car, card, student and any new loan payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Lender oversight for Greene County
The New York State Department of Financial Services is the place to verify any lender's New York license. The Consumer Financial Protection Bureau accepts complaints nationwide. More on New York: New York personal loans.
A Greene County borrower's checklist
Before you apply, wherever you live in Greene County:
- Write down what the expense costs; a smaller loan costs less.
- Collect three written offers and compare APR and total repaid.
- A New York license check takes minutes; do it first.
- Never pay a fee up front to get a loan.
More guides for Greene County
For statewide rules and data, see the New York guide.
Frequently asked questions
How much do households in Greene County earn?
The median is $77,945; 39% earn $100,000 or more and 22% under $35,000. A lender uses your own documented income, not this figure.
How does Greene County rent compare with New York?
$1,004 locally versus $1,621 for the state, 38% below.
I own my home in Greene County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 77% of homes owner-occupied here, many readers can compare both in writing.
What are the biggest places in Greene County?
By population: Catskill, Coxsackie, Athens, Cairo, Sleepy Hollow Lake. The county has 20 Census places in all.
Is the fit check different in Greene County?
No. It is identical everywhere, and it never looks at your neighborhood.