| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 35.7% | Greene County School District / 8,798 |
| 2. | 34.7% | Sumter County School District / 13,433 |
| 3. | 34.4% | Conecuh County School District / 12,985 |
| 4. | 34.1% | Lanett City School District / 6,455 |
| 5. | 32.4% | Hale County School District / 15,393 |
| 6. | 30.7% | Lowndes County School District / 10,918 |
| 7. | 30.3% | Coosa County School District / 11,247 |
| 8. | 30.1% | Bessemer City School District / 27,202 |
| 9. | 30.0% | Fairfield City School District / 11,039 |
| 10. | 28.6% | Macon County School District / 20,505 |
| 11. | 28.4% | Tarrant City School District / 6,331 |
| 12. | 28.2% | Marengo County School District / 8,685 |
| 13. | 28.0% | Monroe County School District / 22,509 |
| 14. | 27.8% | Birmingham City School District / 211,705 |
| 15. | 27.1% | Selma City School District / 20,276 |
| 16. | 26.4% | Oneonta City School District / 6,623 |
| 17. | 25.4% | Opp City School District / 6,675 |
| 18. | 25.3% | Wilcox County School District / 11,367 |
| 19. | 25.3% | Brewton City School District / 5,426 |
| 20. | 24.9% | Bibb County School District / 22,653 |
| 21. | 24.6% | Butler County School District / 20,523 |
| 22. | 24.5% | Alexander City City School District / 17,071 |
| 23. | 24.2% | Barbour County School District / 14,222 |
| 24. | 23.7% | Anniston City School District / 22,749 |
| 25. | 23.7% | Clarke County School District / 19,903 |
| 26. | 23.6% | Midfield City School District / 5,319 |
| 27. | 23.5% | Albertville City School District / 21,363 |
| 28. | 23.4% | Clay County School District / 13,617 |
| 29. | 23.3% | Colbert County School District / 23,507 |
| 30. | 23.2% | Cherokee County School District / 26,042 |
| 31. | 23.1% | Pickens County School District / 19,629 |
| 32. | 22.6% | Talladega County School District / 48,708 |
| 33. | 22.6% | Covington County School District / 22,158 |
| 34. | 22.5% | Randolph County School District / 16,711 |
| 35. | 22.5% | Linden City School District / 4,481 |
| 36. | 22.0% | Guntersville City School District / 8,316 |
| 37. | 21.9% | Gadsden City School District / 36,621 |
| 38. | 21.8% | Dallas County School District / 22,467 |
| 39. | 21.5% | Bullock County School District / 10,693 |
| 40. | 21.4% | Choctaw County School District / 13,546 |
| 41. | 21.0% | Talladega City School District / 16,034 |
| 42. | 21.0% | Baldwin County School District / 191,205 |
| 43. | 20.7% | Cullman County School District / 65,639 |
| 44. | 20.7% | Chambers County School District / 27,636 |
| 45. | 20.6% | Perry County School District / 10,203 |
| 46. | 20.4% | Piedmont City School District / 6,457 |
| 47. | 20.4% | Tallapoosa County School District / 22,331 |
| 48. | 19.9% | Mobile County School District / 388,521 |
| 49. | 19.9% | Russell County School District / 25,779 |
| 50. | 19.8% | Tuscaloosa City School District / 92,037 |
| 51. | 19.8% | Attalla City School District / 5,995 |
| 52. | 19.7% | Lawrence County School District / 33,835 |
| 53. | 19.7% | DeKalb County School District / 56,959 |
| 54. | 19.2% | Phenix City City School District / 35,753 |
| 54. | 19.2% | Cleburne County School District / 14,725 |
| 56. | 18.9% | Sheffield City School District / 9,067 |
| 57. | 18.9% | Pike County School District / 14,580 |
| 58. | 18.3% | Name N/A / 6,026 |
| 59. | 18.2% | Crenshaw County School District / 13,938 |
| 60. | 18.1% | Haleyville City School District / 8,684 |
| 61. | 18.1% | Etowah County School District / 60,226 |
| 62. | 18.1% | Montgomery County School District / 226,683 |
| 63. | 17.9% | Opelika City School District / 27,956 |
| 64. | 17.7% | Fayette County School District / 15,958 |
| 65. | 17.6% | Geneva City School District / 6,828 |
| 66. | 17.3% | Muscle Shoals City School District / 13,352 |
| 66. | 17.3% | Scottsboro City School District / 14,779 |
| 68. | 17.3% | Washington County School District / 17,137 |
| 69. | 17.3% | Jasper City School District / 14,247 |
| 70. | 17.3% | Coffee County School District / 18,917 |
| 71. | 17.1% | Vestavia Hills City School District / 34,061 |
| 72. | 17.1% | Roanoke City School District / 6,013 |
| 73. | 17.0% | Boaz City School District / 9,781 |
| 74. | 16.9% | Houston County School District / 37,049 |
| 75. | 16.8% | Escambia County School District / 32,616 |
| 76. | 16.7% | Auburn City School District / 56,986 |
| 77. | 16.6% | Mountain Brook City School District / 20,484 |
| 78. | 16.6% | Eufaula City School District / 12,897 |
| 79. | 16.6% | Dothan City School District / 67,574 |
| 80. | 16.6% | Autauga County School District / 55,136 |
| 81. | 16.5% | Walker County School District / 51,964 |
| 82. | 16.4% | Elba City School District / 4,868 |
| 83. | 16.4% | Henry County School District / 17,270 |
| 84. | 16.4% | Florence City School District / 39,738 |
| 85. | 16.2% | Jefferson County School District / 230,876 |
| 86. | 16.1% | Tuscaloosa County School District / 106,633 |
| 87. | 16.1% | Limestone County School District / 60,059 |
| 88. | 16.1% | Lee County School District / 58,296 |
| 89. | 16.0% | Andalusia City School District / 9,048 |
| 90. | 16.0% | Pell City City School District / 27,778 |
| 91. | 15.9% | Arab City School District / 8,241 |
| 92. | 15.8% | Calhoun County School District / 57,210 |
| 93. | 15.8% | Trussville City School District / 19,741 |
| 93. | 15.8% | Marshall County School District / 47,747 |
| 95. | 15.7% | Blount County School District / 51,022 |
| 96. | 15.7% | Demopolis City School District / 7,323 |
| 97. | 15.7% | Decatur City School District / 55,641 |
| 98. | 15.6% | Tuscumbia City School District / 8,565 |
| 99. | 15.6% | Chilton County School District / 43,781 |
| 100. | 15.3% | Sylacauga City School District / 12,786 |
| 101. | 15.2% | Fort Payne City School District / 14,115 |
| 102. | 15.1% | Name N/A / 30,978 |
| 103. | 15.0% | Oxford City School District / 22,764 |
| 104. | 15.0% | Jackson County School District / 38,233 |
| 105. | 15.0% | Winston County School District / 15,870 |
| 106. | 14.9% | Saraland City School District / 13,353 |
| 107. | 14.8% | Franklin County School District / 21,827 |
| 108. | 14.6% | Shelby County School District / 144,708 |
| 109. | 14.6% | Huntsville City School District / 175,158 |
| 110. | 14.6% | Elmore County School District / 72,830 |
| 111. | 14.5% | Enterprise City School District / 27,375 |
| 112. | 14.4% | Geneva County School District / 19,988 |
| 113. | 14.2% | Marion County School District / 24,794 |
| 114. | 14.2% | Lamar County School District / 14,268 |
| 115. | 14.1% | Leeds City School District / 12,063 |
| 116. | 14.1% | St. Clair County School District / 54,996 |
| 117. | 14.0% | Hoover City School District / 82,543 |
| 118. | 13.9% | Daleville City School District / 11,115 |
| 119. | 13.8% | Tallassee City School District / 9,384 |
| 120. | 13.6% | Morgan County School District / 50,091 |
| 121. | 13.5% | Homewood City School District / 25,420 |
| 122. | 13.4% | Lauderdale County School District / 53,042 |
| 123. | 13.1% | Hartselle City School District / 14,012 |
| 124. | 12.9% | Troy City School District / 18,636 |
| 125. | 12.8% | Madison County School District / 126,978 |
| 126. | 12.6% | Ozark City School District / 16,968 |
| 127. | 12.6% | Cullman City School District / 14,986 |
| 128. | 11.7% | Winfield City School District / 6,496 |
| 129. | 11.6% | Thomasville City School District / 5,428 |
| 130. | 11.5% | Athens City School District / 23,335 |
| 131. | 10.9% | Dale County School District / 14,956 |
| 132. | 10.3% | Russellville City School District / 9,836 |
| 133. | 10.2% | Name N/A / 6,145 |
| 134. | 9.6% | Jacksonville City School District / 12,416 |
| 135. | 5.9% | Madison City School District / 44,866 |
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.
