Housing fulfills the basic human need for shelter and is a strong measure of a community's cost of living, relative wealth and general prosperity.  In all cases, comparisons to state statistics reflect the state excluding New York City.

Homeownership rates have remained steady across the region and on par with the state at 70%. 
Rates were similar across the Mid-Hudson Valley, except Putnam County with the highest rate at 82% in 2016-20. 

The Mid-Hudson Valley experienced a decrease in the rate of homelessness since 2007.
In 2020, there were 17 homeless people per 10,000 residents in the region. Among the counties, Ulster County had the highest rate at 24 homeless people per 10,000 residents, followed by Dutchess County (20) while Orange County had the lowest rate at 12 homeless people per 10,000 residents in 2020. The region’s rate of homelessness decreased by 12% between 2007 and 2020,  lower than the 18% decline in the national rate. 

Owning a home has become harder in the Mid-Hudson Valley, with rising home values and income not keeping pace.
The affordability ratio (median home value divided by household income) was 3.5 in the region in 2016-20, up from 2.7 in 2000. Across the region, ratios ranged from a low of 2.9 in Sullivan County to a high of 3.7 in Ulster - all above the 3.0 considered affordable.

Rental housing has become less affordable  between 2000 and 2016–20, similar to state and national trends.
Region-wide, 32% of the median household income went to cover rent in 2016-20, above the federal affordability guideline that housing should cost no more than 30% of household income. In 2016-20, renters in Sullivan County spent 27% of their income on rent, below Greene (41%) and Ulster (35%) renters, similar to the 28% spent in the state. These proportions were up from 2000, 14 points in Greene and 8 points in Orange counties.