| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 20-30% of Owner Income ▼ | School District / Population |
| 1. | 21.8% | Brewton City School District / 5,426 |
| 2. | 21.3% | Attalla City School District / 5,995 |
| 3. | 20.6% | Midfield City School District / 5,319 |
| 4. | 20.6% | Tarrant City School District / 6,331 |
| 5. | 19.6% | Fairfield City School District / 11,039 |
| 6. | 18.7% | Lowndes County School District / 10,918 |
| 7. | 17.8% | Russellville City School District / 9,836 |
| 8. | 17.8% | Thomasville City School District / 5,428 |
| 9. | 17.3% | Butler County School District / 20,523 |
| 10. | 17.2% | Greene County School District / 8,798 |
| 11. | 17.1% | Perry County School District / 10,203 |
| 12. | 16.5% | Geneva City School District / 6,828 |
| 13. | 15.9% | Andalusia City School District / 9,048 |
| 14. | 15.7% | Eufaula City School District / 12,897 |
| 15. | 15.5% | Birmingham City School District / 211,705 |
| 16. | 15.4% | Macon County School District / 20,505 |
| 17. | 15.4% | Albertville City School District / 21,363 |
| 18. | 15.2% | Pell City City School District / 27,778 |
| 19. | 15.2% | Haleyville City School District / 8,684 |
| 20. | 15.1% | Conecuh County School District / 12,985 |
| 21. | 15.1% | Cullman City School District / 14,986 |
| 22. | 15.1% | Tuscumbia City School District / 8,565 |
| 23. | 14.9% | Leeds City School District / 12,063 |
| 24. | 14.9% | Dallas County School District / 22,467 |
| 25. | 14.5% | Gadsden City School District / 36,621 |
| 26. | 14.5% | Oneonta City School District / 6,623 |
| 27. | 14.4% | Crenshaw County School District / 13,938 |
| 28. | 14.3% | Sumter County School District / 13,433 |
| 29. | 14.3% | Fayette County School District / 15,958 |
| 30. | 14.3% | Franklin County School District / 21,827 |
| 31. | 14.0% | Selma City School District / 20,276 |
| 32. | 13.9% | Chambers County School District / 27,636 |
| 33. | 13.7% | Fort Payne City School District / 14,115 |
| 34. | 13.6% | Coosa County School District / 11,247 |
| 35. | 13.6% | Talladega County School District / 48,708 |
| 36. | 13.5% | Winston County School District / 15,870 |
| 37. | 13.5% | Bessemer City School District / 27,202 |
| 38. | 13.5% | Henry County School District / 17,270 |
| 39. | 13.5% | Bullock County School District / 10,693 |
| 40. | 13.4% | Muscle Shoals City School District / 13,352 |
| 41. | 13.2% | Elba City School District / 4,868 |
| 41. | 13.2% | Tuscaloosa City School District / 92,037 |
| 43. | 13.1% | Sheffield City School District / 9,067 |
| 44. | 12.8% | Monroe County School District / 22,509 |
| 45. | 12.8% | Escambia County School District / 32,616 |
| 46. | 12.8% | Tallapoosa County School District / 22,331 |
| 47. | 12.7% | Covington County School District / 22,158 |
| 48. | 12.7% | Cherokee County School District / 26,042 |
| 49. | 12.5% | Blount County School District / 51,022 |
| 50. | 12.4% | Opp City School District / 6,675 |
| 51. | 12.3% | Colbert County School District / 23,507 |
| 52. | 12.3% | Clarke County School District / 19,903 |
| 53. | 12.2% | Guntersville City School District / 8,316 |
| 54. | 12.0% | Cullman County School District / 65,639 |
| 55. | 12.0% | Lawrence County School District / 33,835 |
| 56. | 11.9% | Piedmont City School District / 6,457 |
| 57. | 11.8% | Washington County School District / 17,137 |
| 58. | 11.8% | Phenix City City School District / 35,753 |
| 59. | 11.7% | Scottsboro City School District / 14,779 |
| 60. | 11.7% | Tuscaloosa County School District / 106,633 |
| 61. | 11.6% | DeKalb County School District / 56,959 |
| 62. | 11.6% | Marion County School District / 24,794 |
| 63. | 11.6% | Pike County School District / 14,580 |
| 64. | 11.6% | Baldwin County School District / 191,205 |
| 65. | 11.3% | Wilcox County School District / 11,367 |
| 66. | 11.2% | Marengo County School District / 8,685 |
| 67. | 11.2% | Hale County School District / 15,393 |
| 68. | 11.1% | Marshall County School District / 47,747 |
| 69. | 11.0% | Chilton County School District / 43,781 |
| 70. | 11.0% | Mobile County School District / 388,521 |
| 71. | 10.9% | Coffee County School District / 18,917 |
| 72. | 10.9% | Houston County School District / 37,049 |
| 73. | 10.9% | Lauderdale County School District / 53,042 |
| 74. | 10.8% | Name N/A / 6,145 |
| 75. | 10.8% | Walker County School District / 51,964 |
| 76. | 10.7% | Lanett City School District / 6,455 |
| 77. | 10.7% | Anniston City School District / 22,749 |
| 78. | 10.7% | Hoover City School District / 82,543 |
| 79. | 10.6% | Mountain Brook City School District / 20,484 |
| 80. | 10.5% | Dale County School District / 14,956 |
| 81. | 10.5% | Russell County School District / 25,779 |
| 81. | 10.5% | Randolph County School District / 16,711 |
| 83. | 10.4% | Jackson County School District / 38,233 |
| 84. | 10.4% | Bibb County School District / 22,653 |
| 84. | 10.4% | St. Clair County School District / 54,996 |
| 86. | 10.4% | Athens City School District / 23,335 |
| 86. | 10.4% | Jasper City School District / 14,247 |
| 88. | 10.3% | Pickens County School District / 19,629 |
| 89. | 10.2% | Vestavia Hills City School District / 34,061 |
| 90. | 10.2% | Jefferson County School District / 230,876 |
| 91. | 10.0% | Talladega City School District / 16,034 |
| 92. | 10.0% | Elmore County School District / 72,830 |
| 93. | 9.9% | Lamar County School District / 14,268 |
| 94. | 9.9% | Etowah County School District / 60,226 |
| 95. | 9.8% | Saraland City School District / 13,353 |
| 96. | 9.8% | Choctaw County School District / 13,546 |
| 97. | 9.7% | Shelby County School District / 144,708 |
| 98. | 9.7% | Morgan County School District / 50,091 |
| 99. | 9.5% | Lee County School District / 58,296 |
| 100. | 9.3% | Trussville City School District / 19,741 |
| 101. | 9.1% | Dothan City School District / 67,574 |
| 102. | 9.0% | Decatur City School District / 55,641 |
| 103. | 8.6% | Montgomery County School District / 226,683 |
| 104. | 8.5% | Florence City School District / 39,738 |
| 105. | 8.5% | Autauga County School District / 55,136 |
| 106. | 8.5% | Barbour County School District / 14,222 |
| 107. | 8.4% | Limestone County School District / 60,059 |
| 107. | 8.4% | Tallassee City School District / 9,384 |
| 109. | 8.4% | Hartselle City School District / 14,012 |
| 110. | 8.3% | Calhoun County School District / 57,210 |
| 111. | 8.3% | Geneva County School District / 19,988 |
| 112. | 8.2% | Ozark City School District / 16,968 |
| 113. | 7.9% | Alexander City City School District / 17,071 |
| 114. | 7.8% | Sylacauga City School District / 12,786 |
| 115. | 7.8% | Madison County School District / 126,978 |
| 116. | 7.6% | Cleburne County School District / 14,725 |
| 117. | 7.6% | Opelika City School District / 27,956 |
| 118. | 7.3% | Huntsville City School District / 175,158 |
| 118. | 7.3% | Name N/A / 6,026 |
| 120. | 7.2% | Enterprise City School District / 27,375 |
| 121. | 7.1% | Roanoke City School District / 6,013 |
| 122. | 7.1% | Clay County School District / 13,617 |
| 123. | 6.8% | Linden City School District / 4,481 |
| 124. | 6.6% | Demopolis City School District / 7,323 |
| 125. | 6.6% | Oxford City School District / 22,764 |
| 126. | 6.5% | Name N/A / 30,978 |
| 127. | 6.5% | Boaz City School District / 9,781 |
| 128. | 6.2% | Madison City School District / 44,866 |
| 129. | 6.2% | Winfield City School District / 6,496 |
| 130. | 6.1% | Auburn City School District / 56,986 |
| 131. | 5.9% | Arab City School District / 8,241 |
| 132. | 4.3% | Homewood City School District / 25,420 |
| 133. | 4.3% | Daleville City School District / 11,115 |
| 134. | 3.6% | Troy City School District / 18,636 |
| 135. | 3.4% | Jacksonville City School District / 12,416 |
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.
