SAN DIEGO (KGTV) -- New census data shows that less than a third of San Diegans have their mortgages paid off.
Of the more than 228,000 houses located in the city, 60,402 housing units have no mortgage.
The numbers were released following a five-year study by the Census Bureau. The study was conducted between 2012 and 2016.
Of the cities and neighborhoods with more than 1,000 homes, Harbison Canyon took the top spot for most homes without a mortgage at 41 percent followed by Bostonia also at 41 percent and Coronado at 39 percent.
As far as cities and neighborhoods with the least amount of homes without mortgages, San Diego County Estates takes first place at 13 percent followed by Poway at 20 percent and Rancho San Diego at 20 percent. 
For those trying to buy a home, the county does offer programs to help with down payments and closing costs. Click here for more information.
For people who already have mortgages, the California Housing Finance Agency also offers the Mortgage Credit Certificate Tax Credit Program (MCC).
Check out our full list below to see where different cities throughout the county rank:
- Alpine – 24 percent mortgage-free – 974 of 3,934
- Bonita – 31 percent mortgage-free – 875 of 2,761
- Bonsall – 28 percent mortgage-free – 346 of 1,217
- Borrego Springs - 47 percent mortgage-free – 371 of 777
- Bostonia – 41 percent mortgage-free – 947 of 2,256
- Boulevard – 60 percent mortgage-free – 59 of 115
- Campo – 35 percent mortgage-free – 258 of 728
- Carlsbad – 22 percent mortgage-free – 6,106 of 27,442
- Casa de la Oro-Mount Helix – 28 percent mortgage-free – 1,456 of 5,141
- Chula Vista – 22 percent mortgage-free – 10,357 of 45,219
- Coronado – 39 percent mortgage-free – 1,727 of 4,402
- Crest – 38 percent mortgage-free – 324 of 845
- Del Mar - 36 percent mortgage-free – 450 of 1,218
- Descanso – 29 percent mortgage-free – 143 of 480
- El Cajon - 31 percent mortgage-free – 3,978 of 12,601
- Encinitas – 27 percent mortgage-free – 4,114 of 15,133
- Escondido – 24 percent mortgage-free – 5,375 of 22,114
- Fairbanks Ranch – 40 percent mortgage-free – 363 of 897
- Fallbrook – 29 percent mortgage-free – 1,778 of 6,065
- Harbison Canyon – 41 percent mortgage-free – 517 of 1,237
- Imperial Beach – 34 percent mortgage-free – 972 of 2,784
- Jamul – 23 percent mortgage-free – 401 of 1,673
- Julian – 23 percent mortgage-free – 62 of 263
- Lake San Marcos – 31 percent mortgage-free – 528 of 1,672
- Lakeside – 29 percent mortgage-free - 1,488 of 5,119
- La Mesa – 30 percent mortgage-free – 2,976 of 9,783
- Lemon Grove – 22 percent mortgage-free – 1,051 of 4,637
- Mount Laguna – 100 percent mortgage-free – 13 of 13
- National City – 29 percent mortgage-free – 1,513 of 5,069
- Oceanside – 27 percent mortgage-free – 9,670 of 34,692
- Ocotillo - 86 percent mortgage-free – 37 of 37
- Pala – 54 percent mortgage-free – 101 of 184
- Pine Valley – 26 percent mortgage-free – 141 pf 529
- Potrero - 51 percent mortgage-free – 62 of 121
- Poway - 20 percent mortgage-free – 2,380 of 11,632
- Rainbow – 46 percent mortgage-free – 205 of 441
- Ramona – 26 percent mortgage-free – 1,096 of 4,411
- Rancho San Diego – 20 percent mortgage-free – 1,107 of 5,303
- Rancho Santa Fe – 35 percent mortgage-free – 286 of 807
- San Diego – 26 percent mortgage-free – 60,402 of 228,007
- San Diego County Estates – 13 percent mortgage-free – 392 of 3,014
- San Marcos - 25 percent mortgage-free – 4,469 of 17,499 •
- Santee - 24 percent mortgage-free – 3,291 of 13,657
- Salona Beach – 35 percent mortgage-free - 1,182 of 3,326
- Spring Valley – 28 percent mortgage-free – 1,630 of 5,723
- Talmage – 73 percent mortgage-free – 138 of 188
- Vista - 27 percent mortgage-free – 4,028 of 14,604
- Winter Gardens – 28 percent mortgage-free – 1,153 of 4,106
