| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 36.2% | Greene County School District / 9,067 |
| 2. | 30.6% | Clarke County School District / 20,131 |
| 3. | 30.1% | Roanoke City School District / 6,075 |
| 4. | 29.9% | Marengo County School District / 8,804 |
| 5. | 29.9% | Lowndes County School District / 11,304 |
| 6. | 29.7% | Lanett City School District / 6,515 |
| 7. | 29.4% | Bessemer City School District / 27,516 |
| 8. | 28.8% | Conecuh County School District / 13,188 |
| 9. | 28.5% | Tarrant City School District / 6,412 |
| 10. | 27.9% | Coosa County School District / 11,305 |
| 11. | 27.7% | Brewton City School District / 5,377 |
| 12. | 27.6% | Elba City School District / 5,079 |
| 13. | 27.3% | Birmingham City School District / 213,180 |
| 14. | 27.1% | Macon County School District / 21,214 |
| 15. | 27.0% | Hale County School District / 15,750 |
| 15. | 27.0% | Selma City School District / 20,559 |
| 17. | 26.9% | Oneonta City School District / 6,578 |
| 18. | 26.2% | Pickens County School District / 19,646 |
| 19. | 26.0% | Wilcox County School District / 11,706 |
| 20. | 25.8% | Monroe County School District / 22,993 |
| 21. | 25.6% | Opp City School District / 6,680 |
| 22. | 25.5% | Choctaw County School District / 13,838 |
| 23. | 24.9% | Gadsden City School District / 36,888 |
| 24. | 24.8% | Alexander City City School District / 17,570 |
| 25. | 24.4% | Dallas County School District / 23,013 |
| 26. | 24.1% | Fairfield City School District / 11,135 |
| 27. | 24.0% | Bibb County School District / 22,769 |
| 28. | 23.6% | Albertville City School District / 21,079 |
| 29. | 23.5% | Butler County School District / 20,730 |
| 30. | 23.5% | Sumter County School District / 13,669 |
| 31. | 23.0% | Winston County School District / 16,292 |
| 32. | 22.8% | Cherokee County School District / 25,917 |
| 33. | 22.3% | Geneva County School District / 20,150 |
| 34. | 22.0% | Colbert County School District / 23,928 |
| 35. | 21.8% | Covington County School District / 22,095 |
| 36. | 21.7% | Barbour County School District / 14,383 |
| 37. | 21.6% | Attalla City School District / 6,060 |
| 38. | 21.6% | Tuscaloosa City School District / 90,051 |
| 39. | 21.4% | Baldwin County School District / 183,226 |
| 40. | 21.2% | Midfield City School District / 5,366 |
| 41. | 21.2% | Phenix City City School District / 33,555 |
| 42. | 21.2% | Piedmont City School District / 6,192 |
| 43. | 21.1% | Guntersville City School District / 8,241 |
| 44. | 20.8% | Chambers County School District / 27,713 |
| 45. | 20.7% | Talladega County School District / 49,549 |
| 46. | 20.3% | DeKalb County School District / 56,881 |
| 47. | 20.3% | Henry County School District / 17,275 |
| 48. | 20.2% | Clay County School District / 13,828 |
| 49. | 20.2% | Cullman County School District / 65,690 |
| 50. | 19.9% | Randolph County School District / 16,768 |
| 51. | 19.8% | Pike County School District / 14,886 |
| 52. | 19.3% | Mobile County School District / 399,066 |
| 53. | 18.9% | Anniston City School District / 23,067 |
| 54. | 18.9% | Tallapoosa County School District / 22,276 |
| 55. | 18.8% | Marion County School District / 24,959 |
| 56. | 18.4% | Lee County School District / 56,182 |
| 57. | 18.4% | Chilton County School District / 43,611 |
| 58. | 18.4% | Etowah County School District / 60,225 |
| 59. | 18.4% | Thomasville City School District / 5,637 |
| 60. | 18.3% | Andalusia City School District / 9,028 |
| 61. | 18.2% | Demopolis City School District / 7,439 |
| 62. | 18.2% | Opelika City School District / 26,738 |
| 63. | 18.1% | Talladega City School District / 15,753 |
| 64. | 18.1% | Auburn City School District / 53,817 |
| 64. | 18.1% | Fayette County School District / 15,515 |
| 66. | 18.1% | Florence City School District / 39,288 |
| 67. | 18.0% | Linden City School District / 4,666 |
| 68. | 18.0% | Coffee County School District / 18,672 |
| 69. | 17.9% | Escambia County School District / 32,745 |
| 70. | 17.9% | Mountain Brook City School District / 20,398 |
| 71. | 17.9% | Lawrence County School District / 34,148 |
| 72. | 17.9% | Montgomery County School District / 227,324 |
| 73. | 17.8% | Boaz City School District / 9,520 |
| 74. | 17.8% | Vestavia Hills City School District / 33,831 |
| 75. | 17.7% | Fort Payne City School District / 14,068 |
| 76. | 17.1% | Crenshaw County School District / 13,971 |
| 77. | 17.1% | Perry County School District / 10,525 |
| 78. | 17.0% | Sheffield City School District / 9,060 |
| 79. | 16.7% | Muscle Shoals City School District / 13,062 |
| 80. | 16.6% | Bullock County School District / 10,779 |
| 81. | 16.5% | Washington County School District / 17,407 |
| 82. | 16.5% | Scottsboro City School District / 14,792 |
| 83. | 16.4% | Eufaula City School District / 13,086 |
| 84. | 16.3% | Calhoun County School District / 57,522 |
| 85. | 16.2% | Jefferson County School District / 230,130 |
| 86. | 16.2% | Homewood City School District / 25,123 |
| 87. | 16.1% | Tuscaloosa County School District / 104,203 |
| 88. | 16.1% | Marshall County School District / 47,316 |
| 89. | 16.1% | Jackson County School District / 38,487 |
| 90. | 15.9% | Blount County School District / 50,888 |
| 91. | 15.9% | Lauderdale County School District / 53,240 |
| 92. | 15.8% | Russellville City School District / 9,791 |
| 93. | 15.7% | Oxford City School District / 22,936 |
| 94. | 15.7% | Huntsville City School District / 171,881 |
| 95. | 15.6% | Saraland City School District / 13,231 |
| 96. | 15.6% | Russell County School District / 24,584 |
| 97. | 15.5% | Autauga County School District / 54,590 |
| 98. | 15.4% | Troy City School District / 17,864 |
| 99. | 15.4% | Cleburne County School District / 14,832 |
| 100. | 15.3% | Haleyville City School District / 8,523 |
| 101. | 15.3% | Limestone County School District / 57,647 |
| 102. | 15.3% | Pell City City School District / 26,874 |
| 103. | 15.2% | Hoover City School District / 81,254 |
| 104. | 15.2% | Winfield City School District / 7,003 |
| 105. | 15.1% | Trussville City School District / 19,178 |
| 106. | 15.1% | Elmore County School District / 71,881 |
| 107. | 15.1% | St. Clair County School District / 54,272 |
| 108. | 14.8% | Dothan City School District / 66,355 |
| 109. | 14.6% | Houston County School District / 36,728 |
| 110. | 14.5% | Morgan County School District / 50,112 |
| 111. | 14.3% | Decatur City School District / 55,664 |
| 112. | 14.1% | Walker County School District / 52,684 |
| 113. | 14.1% | Jasper City School District / 14,332 |
| 114. | 14.1% | Daleville City School District / 11,140 |
| 115. | 13.9% | Lamar County School District / 14,513 |
| 116. | 13.8% | Shelby County School District / 170,402 |
| 117. | 13.8% | Cullman City School District / 14,652 |
| 118. | 13.1% | Arab City School District / 8,119 |
| 119. | 13.0% | Geneva City School District / 6,619 |
| 120. | 13.0% | Franklin County School District / 21,873 |
| 121. | 12.9% | Athens City School District / 22,198 |
| 122. | 12.8% | Jacksonville City School District / 12,304 |
| 122. | 12.8% | Hartselle City School District / 13,622 |
| 124. | 12.5% | Madison County School District / 123,255 |
| 125. | 12.4% | Sylacauga City School District / 12,778 |
| 126. | 11.9% | Leeds City School District / 12,160 |
| 127. | 11.8% | Tallassee City School District / 9,137 |
| 128. | 11.6% | Enterprise City School District / 26,635 |
| 129. | 11.6% | Dale County School District / 14,744 |
| 130. | 11.0% | Ozark City School District / 16,947 |
| 131. | 10.4% | Tuscumbia City School District / 8,401 |
| 132. | 5.3% | Madison City School District / 42,925 |
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.
