| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 34.6% | Tarrant City School District / 6,723 |
| 2. | 33.1% | Elba City School District / 5,150 |
| 3. | 33.0% | Wilcox County School District / 12,012 |
| 4. | 32.4% | Lowndes County School District / 11,731 |
| 5. | 32.3% | Attalla City School District / 6,143 |
| 6. | 31.1% | Midfield City School District / 5,384 |
| 7. | 28.9% | Perry County School District / 10,684 |
| 8. | 28.9% | Bessemer City School District / 27,824 |
| 9. | 28.2% | Marengo County School District / 8,742 |
| 10. | 27.6% | Clarke County School District / 19,773 |
| 11. | 27.0% | Birmingham City School District / 216,392 |
| 12. | 26.7% | Piedmont City School District / 6,468 |
| 13. | 26.5% | Greene County School District / 9,255 |
| 14. | 25.8% | Macon County School District / 21,699 |
| 15. | 25.4% | Geneva County School District / 19,964 |
| 16. | 25.4% | Selma City School District / 20,591 |
| 17. | 25.2% | Lanett City School District / 6,722 |
| 18. | 24.7% | Chambers County School District / 27,857 |
| 18. | 24.7% | Thomasville City School District / 6,482 |
| 20. | 24.5% | Andalusia City School District / 8,998 |
| 21. | 24.3% | Opp City School District / 6,701 |
| 22. | 24.3% | Butler County School District / 20,895 |
| 23. | 24.2% | Coosa County School District / 11,470 |
| 24. | 23.7% | Monroe County School District / 23,329 |
| 25. | 23.6% | Winston County School District / 16,854 |
| 26. | 23.6% | Oneonta City School District / 6,453 |
| 27. | 23.1% | Brewton City School District / 5,391 |
| 28. | 22.6% | Randolph County School District / 16,663 |
| 29. | 22.2% | Tuscaloosa City School District / 87,371 |
| 30. | 22.1% | Russell County School District / 23,766 |
| 31. | 21.6% | Tallapoosa County School District / 22,018 |
| 32. | 21.6% | Fairfield City School District / 11,284 |
| 33. | 21.6% | Auburn City School District / 51,057 |
| 34. | 21.6% | DeKalb County School District / 56,176 |
| 35. | 21.4% | Russellville City School District / 9,598 |
| 36. | 21.3% | Covington County School District / 21,909 |
| 37. | 21.3% | Chilton County School District / 43,121 |
| 38. | 21.3% | Pickens County School District / 19,917 |
| 39. | 21.2% | Hale County School District / 16,168 |
| 40. | 21.0% | Marion County School District / 25,471 |
| 41. | 20.9% | Conecuh County School District / 13,382 |
| 42. | 20.8% | Choctaw County School District / 14,111 |
| 43. | 20.8% | Baldwin County School District / 175,791 |
| 44. | 20.6% | Demopolis City School District / 7,570 |
| 45. | 20.3% | Washington County School District / 17,556 |
| 46. | 20.3% | Cleburne County School District / 14,680 |
| 47. | 20.3% | Fayette County School District / 15,650 |
| 48. | 20.2% | Dallas County School District / 23,475 |
| 49. | 20.2% | Gadsden City School District / 37,162 |
| 50. | 20.1% | Cherokee County School District / 25,700 |
| 51. | 20.0% | Pell City City School District / 26,136 |
| 52. | 19.9% | Clay County School District / 14,040 |
| 53. | 19.8% | Mountain Brook City School District / 20,381 |
| 54. | 19.7% | Sumter County School District / 13,871 |
| 55. | 19.6% | Henry County School District / 17,148 |
| 56. | 19.6% | Linden City School District / 4,984 |
| 57. | 19.5% | Barbour County School District / 14,471 |
| 58. | 19.3% | Mobile County School District / 395,448 |
| 59. | 19.3% | Jackson County School District / 38,591 |
| 60. | 19.0% | Escambia County School District / 32,605 |
| 61. | 18.9% | Boaz City School District / 9,148 |
| 62. | 18.8% | Talladega City School District / 15,993 |
| 63. | 18.8% | Roanoke City School District / 6,154 |
| 64. | 18.7% | Crenshaw County School District / 13,928 |
| 65. | 18.4% | Sheffield City School District / 9,141 |
| 66. | 18.3% | Colbert County School District / 24,080 |
| 67. | 18.1% | Phenix City City School District / 31,704 |
| 68. | 17.8% | Cullman County School District / 65,553 |
| 69. | 17.7% | Lauderdale County School District / 52,941 |
| 70. | 17.7% | Talladega County School District / 49,588 |
| 71. | 17.6% | Bullock County School District / 10,923 |
| 72. | 17.5% | Pike County School District / 14,940 |
| 73. | 17.5% | Lawrence County School District / 34,235 |
| 74. | 17.4% | Etowah County School District / 59,770 |
| 75. | 17.3% | Montgomery County School District / 225,980 |
| 76. | 17.2% | Blount County School District / 50,239 |
| 77. | 17.1% | Alexander City City School District / 17,995 |
| 78. | 16.8% | Anniston City School District / 23,297 |
| 79. | 16.7% | Vestavia Hills City School District / 33,305 |
| 80. | 16.4% | Opelika City School District / 25,867 |
| 81. | 16.4% | Calhoun County School District / 57,191 |
| 82. | 16.2% | Oxford City School District / 22,522 |
| 83. | 16.1% | Marshall County School District / 46,285 |
| 84. | 15.9% | Homewood City School District / 25,078 |
| 85. | 15.9% | Albertville City School District / 20,445 |
| 86. | 15.6% | Cullman City School District / 14,363 |
| 87. | 15.6% | Florence City School District / 38,821 |
| 88. | 15.5% | Lee County School District / 54,279 |
| 89. | 15.4% | Jefferson County School District / 228,073 |
| 90. | 15.3% | Athens City School District / 21,059 |
| 90. | 15.3% | Morgan County School District / 49,292 |
| 92. | 15.2% | Huntsville City School District / 170,615 |
| 93. | 15.1% | Walker County School District / 53,305 |
| 94. | 15.1% | Jacksonville City School District / 11,791 |
| 95. | 15.0% | Coffee County School District / 18,199 |
| 96. | 14.8% | Limestone County School District / 54,626 |
| 97. | 14.8% | Lamar County School District / 14,743 |
| 98. | 14.6% | St. Clair County School District / 52,722 |
| 99. | 14.5% | Elmore County School District / 70,812 |
| 100. | 14.5% | Eufaula City School District / 13,228 |
| 101. | 14.1% | Franklin County School District / 21,785 |
| 102. | 14.1% | Dothan City School District / 64,299 |
| 102. | 14.1% | Muscle Shoals City School District / 12,910 |
| 104. | 14.0% | Tuscaloosa County School District / 100,960 |
| 105. | 13.9% | Trussville City School District / 18,349 |
| 106. | 13.7% | Hoover City School District / 77,503 |
| 107. | 13.7% | Troy City School District / 17,207 |
| 108. | 13.6% | Shelby County School District / 164,982 |
| 109. | 13.6% | Sylacauga City School District / 12,789 |
| 110. | 13.6% | Daleville City School District / 10,325 |
| 111. | 13.5% | Houston County School District / 35,860 |
| 112. | 13.5% | Geneva City School District / 6,577 |
| 113. | 13.3% | Jasper City School District / 14,307 |
| 114. | 13.3% | Fort Payne City School District / 13,862 |
| 115. | 13.1% | Autauga County School District / 53,155 |
| 116. | 12.5% | Scottsboro City School District / 14,795 |
| 117. | 12.4% | Dale County School District / 15,912 |
| 118. | 12.2% | Hartselle City School District / 13,187 |
| 119. | 12.1% | Bibb County School District / 22,610 |
| 120. | 11.9% | Decatur City School District / 55,253 |
| 121. | 11.5% | Saraland City School District / 13,172 |
| 121. | 11.5% | Leeds City School District / 11,314 |
| 123. | 11.4% | Enterprise City School District / 25,285 |
| 124. | 11.3% | Haleyville City School District / 8,318 |
| 125. | 10.9% | Guntersville City School District / 8,077 |
| 126. | 10.8% | Madison County School District / 115,001 |
| 127. | 10.6% | Winfield City School District / 6,658 |
| 128. | 10.3% | Ozark City School District / 16,705 |
| 129. | 10.1% | Arab City School District / 7,928 |
| 130. | 8.3% | Tuscumbia City School District / 8,315 |
| 131. | 8.1% | Tallassee City School District / 8,359 |
| 132. | 6.1% | Madison City School District / 40,293 |
Please note that we only rank locations with 'Percentage of Houses with a Mortgage where Total Holding Costs 40% or More 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 40% or More of Owner Income' data are not listed.
*ACS stands for U.S. Census American Community Survey. According to the U.S. Census, if the date is a range, you can interpret the data as an average of the period of time.
