| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 20-30% of Owner Income ▼ | School District / Population |
| 1. | 36.8% | Russellville City School District / 9,836 |
| 2. | 33.4% | Haleyville City School District / 8,684 |
| 3. | 33.3% | Midfield City School District / 5,319 |
| 4. | 32.3% | Jacksonville City School District / 12,416 |
| 5. | 30.7% | Boaz City School District / 9,781 |
| 6. | 30.5% | Cullman City School District / 14,986 |
| 7. | 30.1% | Name N/A / 30,978 |
| 8. | 30.0% | Homewood City School District / 25,420 |
| 9. | 29.8% | Opp City School District / 6,675 |
| 10. | 29.6% | Russell County School District / 25,779 |
| 11. | 29.5% | St. Clair County School District / 54,996 |
| 12. | 29.3% | Demopolis City School District / 7,323 |
| 13. | 29.2% | Florence City School District / 39,738 |
| 14. | 29.1% | Auburn City School District / 56,986 |
| 15. | 29.1% | Chilton County School District / 43,781 |
| 16. | 28.8% | Fort Payne City School District / 14,115 |
| 17. | 28.5% | Phenix City City School District / 35,753 |
| 18. | 28.4% | Lee County School District / 58,296 |
| 19. | 28.1% | Marshall County School District / 47,747 |
| 20. | 28.1% | Elmore County School District / 72,830 |
| 21. | 28.1% | Tarrant City School District / 6,331 |
| 22. | 28.0% | Jefferson County School District / 230,876 |
| 23. | 27.9% | Talladega City School District / 16,034 |
| 24. | 27.8% | Tuscaloosa County School District / 106,633 |
| 25. | 27.8% | Shelby County School District / 144,708 |
| 26. | 27.8% | Leeds City School District / 12,063 |
| 27. | 27.6% | DeKalb County School District / 56,959 |
| 28. | 27.4% | Baldwin County School District / 191,205 |
| 29. | 27.3% | Tallapoosa County School District / 22,331 |
| 30. | 27.2% | Limestone County School District / 60,059 |
| 31. | 27.2% | Mobile County School District / 388,521 |
| 32. | 27.1% | Hoover City School District / 82,543 |
| 33. | 27.1% | Etowah County School District / 60,226 |
| 33. | 27.1% | Linden City School District / 4,481 |
| 35. | 27.0% | Name N/A / 6,026 |
| 36. | 26.8% | Trussville City School District / 19,741 |
| 37. | 26.8% | Sylacauga City School District / 12,786 |
| 38. | 26.7% | Pell City City School District / 27,778 |
| 39. | 26.6% | Ozark City School District / 16,968 |
| 40. | 26.4% | Perry County School District / 10,203 |
| 41. | 26.4% | Name N/A / 6,145 |
| 42. | 26.3% | Lawrence County School District / 33,835 |
| 43. | 26.2% | Tuscaloosa City School District / 92,037 |
| 44. | 26.2% | Troy City School District / 18,636 |
| 45. | 26.0% | Colbert County School District / 23,507 |
| 46. | 25.9% | Bessemer City School District / 27,202 |
| 47. | 25.8% | Attalla City School District / 5,995 |
| 48. | 25.8% | Cullman County School District / 65,639 |
| 49. | 25.7% | Lauderdale County School District / 53,042 |
| 50. | 25.7% | Decatur City School District / 55,641 |
| 51. | 25.7% | Athens City School District / 23,335 |
| 52. | 25.7% | Autauga County School District / 55,136 |
| 53. | 25.7% | Vestavia Hills City School District / 34,061 |
| 54. | 25.6% | Lowndes County School District / 10,918 |
| 55. | 25.4% | Montgomery County School District / 226,683 |
| 56. | 25.3% | Fairfield City School District / 11,039 |
| 57. | 25.3% | Randolph County School District / 16,711 |
| 58. | 25.3% | Choctaw County School District / 13,546 |
| 59. | 25.2% | Escambia County School District / 32,616 |
| 60. | 25.1% | Bullock County School District / 10,693 |
| 61. | 25.0% | Walker County School District / 51,964 |
| 61. | 25.0% | Anniston City School District / 22,749 |
| 63. | 25.0% | Birmingham City School District / 211,705 |
| 64. | 24.9% | Madison County School District / 126,978 |
| 65. | 24.9% | Clay County School District / 13,617 |
| 66. | 24.9% | Roanoke City School District / 6,013 |
| 67. | 24.8% | Bibb County School District / 22,653 |
| 68. | 24.8% | Calhoun County School District / 57,210 |
| 69. | 24.8% | Morgan County School District / 50,091 |
| 70. | 24.7% | Oxford City School District / 22,764 |
| 71. | 24.6% | Franklin County School District / 21,827 |
| 72. | 24.6% | Scottsboro City School District / 14,779 |
| 73. | 24.4% | Dallas County School District / 22,467 |
| 74. | 24.4% | Jackson County School District / 38,233 |
| 75. | 24.3% | Dale County School District / 14,956 |
| 76. | 24.1% | Muscle Shoals City School District / 13,352 |
| 77. | 24.1% | Macon County School District / 20,505 |
| 78. | 24.0% | Dothan City School District / 67,574 |
| 79. | 24.0% | Blount County School District / 51,022 |
| 80. | 23.8% | Talladega County School District / 48,708 |
| 81. | 23.7% | Arab City School District / 8,241 |
| 82. | 23.6% | Winston County School District / 15,870 |
| 83. | 23.5% | Marion County School District / 24,794 |
| 84. | 23.4% | Butler County School District / 20,523 |
| 85. | 23.4% | Hartselle City School District / 14,012 |
| 86. | 23.3% | Crenshaw County School District / 13,938 |
| 87. | 23.0% | Albertville City School District / 21,363 |
| 88. | 23.0% | Huntsville City School District / 175,158 |
| 89. | 22.8% | Cherokee County School District / 26,042 |
| 90. | 22.6% | Houston County School District / 37,049 |
| 91. | 22.3% | Tallassee City School District / 9,384 |
| 92. | 22.3% | Chambers County School District / 27,636 |
| 92. | 22.3% | Gadsden City School District / 36,621 |
| 94. | 22.2% | Madison City School District / 44,866 |
| 95. | 22.1% | Jasper City School District / 14,247 |
| 95. | 22.1% | Coffee County School District / 18,917 |
| 97. | 22.0% | Geneva County School District / 19,988 |
| 98. | 22.0% | Brewton City School District / 5,426 |
| 99. | 21.9% | Washington County School District / 17,137 |
| 100. | 21.9% | Sheffield City School District / 9,067 |
| 101. | 21.7% | Tuscumbia City School District / 8,565 |
| 102. | 21.6% | Hale County School District / 15,393 |
| 103. | 21.6% | Daleville City School District / 11,115 |
| 104. | 21.5% | Oneonta City School District / 6,623 |
| 105. | 21.4% | Alexander City City School District / 17,071 |
| 105. | 21.4% | Andalusia City School District / 9,048 |
| 107. | 21.4% | Mountain Brook City School District / 20,484 |
| 108. | 21.4% | Covington County School District / 22,158 |
| 109. | 21.4% | Monroe County School District / 22,509 |
| 110. | 21.3% | Cleburne County School District / 14,725 |
| 111. | 21.1% | Geneva City School District / 6,828 |
| 112. | 21.1% | Henry County School District / 17,270 |
| 112. | 21.1% | Elba City School District / 4,868 |
| 114. | 21.1% | Lamar County School District / 14,268 |
| 115. | 21.0% | Opelika City School District / 27,956 |
| 116. | 20.9% | Barbour County School District / 14,222 |
| 117. | 20.8% | Clarke County School District / 19,903 |
| 118. | 20.6% | Marengo County School District / 8,685 |
| 119. | 20.3% | Winfield City School District / 6,496 |
| 120. | 19.9% | Saraland City School District / 13,353 |
| 121. | 19.7% | Conecuh County School District / 12,985 |
| 122. | 19.6% | Eufaula City School District / 12,897 |
| 123. | 19.5% | Enterprise City School District / 27,375 |
| 124. | 18.9% | Pickens County School District / 19,629 |
| 125. | 18.9% | Guntersville City School District / 8,316 |
| 126. | 18.3% | Sumter County School District / 13,433 |
| 127. | 17.6% | Pike County School District / 14,580 |
| 128. | 17.4% | Fayette County School District / 15,958 |
| 129. | 17.4% | Selma City School District / 20,276 |
| 130. | 17.0% | Piedmont City School District / 6,457 |
| 131. | 16.8% | Thomasville City School District / 5,428 |
| 132. | 16.1% | Lanett City School District / 6,455 |
| 133. | 15.5% | Wilcox County School District / 11,367 |
| 134. | 15.3% | Coosa County School District / 11,247 |
| 135. | 13.5% | Greene County School District / 8,798 |
Please note that we only rank locations with 'Percentage of Houses with a Mortgage where Total Holding Costs 20-30% of Owner Income' data. The rank above might not be a complete list. Locations without 'Percentage of Houses with a Mortgage where Total Holding Costs 20-30% of Owner Income' data are not listed.
