| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 20-30% of Owner Income ▼ | School District / Population |
| 1. | 25.5% | Fairfield City School District / 11,284 |
| 2. | 22.2% | Roanoke City School District / 6,154 |
| 3. | 20.2% | Muscle Shoals City School District / 12,910 |
| 4. | 19.3% | Leeds City School District / 11,314 |
| 5. | 18.8% | Attalla City School District / 6,143 |
| 6. | 18.6% | Arab City School District / 7,928 |
| 7. | 18.6% | Tarrant City School District / 6,723 |
| 8. | 18.3% | Hale County School District / 16,168 |
| 9. | 18.0% | Fort Payne City School District / 13,862 |
| 10. | 17.7% | Bullock County School District / 10,923 |
| 11. | 16.9% | Choctaw County School District / 14,111 |
| 12. | 16.8% | Jasper City School District / 14,307 |
| 13. | 16.7% | Clarke County School District / 19,773 |
| 14. | 16.7% | Midfield City School District / 5,384 |
| 15. | 16.4% | Perry County School District / 10,684 |
| 16. | 16.4% | Oneonta City School District / 6,453 |
| 17. | 16.2% | Macon County School District / 21,699 |
| 18. | 16.1% | Greene County School District / 9,255 |
| 19. | 16.1% | Albertville City School District / 20,445 |
| 20. | 15.6% | Scottsboro City School District / 14,795 |
| 21. | 15.3% | Geneva County School District / 19,964 |
| 22. | 15.2% | Russellville City School District / 9,598 |
| 23. | 15.2% | Saraland City School District / 13,172 |
| 24. | 15.0% | Geneva City School District / 6,577 |
| 25. | 15.0% | Pike County School District / 14,940 |
| 26. | 14.9% | Henry County School District / 17,148 |
| 27. | 14.9% | Bessemer City School District / 27,824 |
| 28. | 14.8% | Eufaula City School District / 13,228 |
| 29. | 14.7% | Crenshaw County School District / 13,928 |
| 30. | 14.3% | St. Clair County School District / 52,722 |
| 31. | 14.3% | Selma City School District / 20,591 |
| 32. | 14.2% | Talladega County School District / 49,588 |
| 33. | 14.2% | Washington County School District / 17,556 |
| 34. | 14.0% | Guntersville City School District / 8,077 |
| 35. | 13.8% | Coosa County School District / 11,470 |
| 36. | 13.8% | Lanett City School District / 6,722 |
| 36. | 13.8% | Cullman City School District / 14,363 |
| 38. | 13.7% | Butler County School District / 20,895 |
| 39. | 13.6% | Birmingham City School District / 216,392 |
| 40. | 13.2% | Blount County School District / 50,239 |
| 41. | 13.1% | Alexander City City School District / 17,995 |
| 42. | 12.9% | Chilton County School District / 43,121 |
| 42. | 12.9% | Andalusia City School District / 8,998 |
| 42. | 12.9% | Mobile County School District / 395,448 |
| 45. | 12.9% | Covington County School District / 21,909 |
| 46. | 12.9% | Colbert County School District / 24,080 |
| 46. | 12.9% | Franklin County School District / 21,785 |
| 48. | 12.9% | Conecuh County School District / 13,382 |
| 49. | 12.8% | Escambia County School District / 32,605 |
| 50. | 12.8% | Phenix City City School District / 31,704 |
| 51. | 12.7% | Dale County School District / 15,912 |
| 52. | 12.7% | Auburn City School District / 51,057 |
| 53. | 12.6% | Wilcox County School District / 12,012 |
| 54. | 12.6% | Gadsden City School District / 37,162 |
| 55. | 12.4% | Anniston City School District / 23,297 |
| 56. | 12.4% | Walker County School District / 53,305 |
| 57. | 12.4% | Talladega City School District / 15,993 |
| 58. | 12.2% | Opp City School District / 6,701 |
| 59. | 12.2% | Sumter County School District / 13,871 |
| 60. | 12.1% | Haleyville City School District / 8,318 |
| 61. | 12.1% | Marion County School District / 25,471 |
| 62. | 12.0% | Morgan County School District / 49,292 |
| 63. | 12.0% | Lawrence County School District / 34,235 |
| 63. | 12.0% | Chambers County School District / 27,857 |
| 65. | 11.8% | Cullman County School District / 65,553 |
| 66. | 11.7% | Houston County School District / 35,860 |
| 66. | 11.7% | Florence City School District / 38,821 |
| 68. | 11.6% | DeKalb County School District / 56,176 |
| 69. | 11.5% | Etowah County School District / 59,770 |
| 70. | 11.4% | Pell City City School District / 26,136 |
| 71. | 11.4% | Opelika City School District / 25,867 |
| 72. | 11.3% | Clay County School District / 14,040 |
| 73. | 11.1% | Jefferson County School District / 228,073 |
| 74. | 11.0% | Bibb County School District / 22,610 |
| 75. | 11.0% | Dallas County School District / 23,475 |
| 76. | 11.0% | Elba City School District / 5,150 |
| 77. | 11.0% | Hartselle City School District / 13,187 |
| 78. | 11.0% | Winston County School District / 16,854 |
| 79. | 10.9% | Daleville City School District / 10,325 |
| 80. | 10.8% | Lamar County School District / 14,743 |
| 81. | 10.7% | Mountain Brook City School District / 20,381 |
| 82. | 10.7% | Monroe County School District / 23,329 |
| 82. | 10.7% | Tuscaloosa County School District / 100,960 |
| 84. | 10.6% | Brewton City School District / 5,391 |
| 85. | 10.4% | Marshall County School District / 46,285 |
| 86. | 10.4% | Tallapoosa County School District / 22,018 |
| 87. | 10.4% | Thomasville City School District / 6,482 |
| 88. | 10.3% | Montgomery County School District / 225,980 |
| 89. | 10.2% | Cherokee County School District / 25,700 |
| 90. | 10.1% | Lauderdale County School District / 52,941 |
| 91. | 10.1% | Piedmont City School District / 6,468 |
| 92. | 10.1% | Cleburne County School District / 14,680 |
| 93. | 9.9% | Pickens County School District / 19,917 |
| 94. | 9.9% | Ozark City School District / 16,705 |
| 95. | 9.8% | Calhoun County School District / 57,191 |
| 96. | 9.7% | Tuscaloosa City School District / 87,371 |
| 97. | 9.6% | Demopolis City School District / 7,570 |
| 98. | 9.5% | Limestone County School District / 54,626 |
| 99. | 9.4% | Autauga County School District / 53,155 |
| 100. | 9.4% | Fayette County School District / 15,650 |
| 101. | 9.3% | Baldwin County School District / 175,791 |
| 102. | 9.3% | Russell County School District / 23,766 |
| 103. | 9.2% | Coffee County School District / 18,199 |
| 104. | 9.2% | Lowndes County School District / 11,731 |
| 105. | 9.0% | Shelby County School District / 164,982 |
| 106. | 8.9% | Dothan City School District / 64,299 |
| 107. | 8.7% | Elmore County School District / 70,812 |
| 108. | 8.5% | Sylacauga City School District / 12,789 |
| 109. | 8.5% | Oxford City School District / 22,522 |
| 110. | 8.4% | Randolph County School District / 16,663 |
| 110. | 8.4% | Lee County School District / 54,279 |
| 112. | 8.4% | Sheffield City School District / 9,141 |
| 113. | 8.4% | Marengo County School District / 8,742 |
| 114. | 8.3% | Hoover City School District / 77,503 |
| 115. | 8.3% | Jackson County School District / 38,591 |
| 116. | 8.1% | Athens City School District / 21,059 |
| 117. | 8.0% | Tuscumbia City School District / 8,315 |
| 118. | 7.9% | Trussville City School District / 18,349 |
| 119. | 7.3% | Barbour County School District / 14,471 |
| 120. | 7.0% | Boaz City School District / 9,148 |
| 121. | 6.7% | Enterprise City School District / 25,285 |
| 122. | 6.5% | Decatur City School District / 55,253 |
| 123. | 6.4% | Winfield City School District / 6,658 |
| 124. | 6.4% | Madison County School District / 115,001 |
| 125. | 6.4% | Vestavia Hills City School District / 33,305 |
| 126. | 6.2% | Homewood City School District / 25,078 |
| 127. | 5.9% | Huntsville City School District / 170,615 |
| 128. | 5.9% | Tallassee City School District / 8,359 |
| 129. | 5.5% | Troy City School District / 17,207 |
| 130. | 4.0% | Jacksonville City School District / 11,791 |
| 131. | 3.2% | Linden City School District / 4,984 |
| 132. | 2.0% | Madison City School District / 40,293 |
Please note that we only rank locations with 'Percentage of Houses without 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 without a Mortgage where Total Holding Costs 20-30% 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.
