| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 21.8% | Lowndes County School District / 11,304 |
| 2. | 19.5% | Wilcox County School District / 11,706 |
| 3. | 19.0% | Dallas County School District / 23,013 |
| 4. | 17.4% | Piedmont City School District / 6,192 |
| 5. | 16.6% | Sumter County School District / 13,669 |
| 6. | 16.5% | Lanett City School District / 6,515 |
| 7. | 16.1% | Brewton City School District / 5,377 |
| 8. | 15.3% | Linden City School District / 4,666 |
| 9. | 15.1% | Barbour County School District / 14,383 |
| 10. | 15.0% | Bessemer City School District / 27,516 |
| 11. | 14.6% | Hale County School District / 15,750 |
| 12. | 14.6% | Greene County School District / 9,067 |
| 13. | 14.5% | Roanoke City School District / 6,075 |
| 14. | 14.4% | Elba City School District / 5,079 |
| 15. | 14.2% | Conecuh County School District / 13,188 |
| 16. | 14.0% | Auburn City School District / 53,817 |
| 16. | 14.0% | Boaz City School District / 9,520 |
| 18. | 13.4% | Perry County School District / 10,525 |
| 19. | 13.4% | Butler County School District / 20,730 |
| 20. | 13.1% | Opp City School District / 6,680 |
| 21. | 13.1% | Clarke County School District / 20,131 |
| 22. | 12.9% | Lee County School District / 56,182 |
| 23. | 12.6% | Talladega City School District / 15,753 |
| 24. | 12.5% | Birmingham City School District / 213,180 |
| 25. | 12.5% | Phenix City City School District / 33,555 |
| 26. | 12.5% | Cherokee County School District / 25,917 |
| 27. | 12.2% | Macon County School District / 21,214 |
| 28. | 12.0% | Muscle Shoals City School District / 13,062 |
| 29. | 12.0% | Selma City School District / 20,559 |
| 30. | 12.0% | Opelika City School District / 26,738 |
| 31. | 11.8% | Marengo County School District / 8,804 |
| 32. | 11.7% | Monroe County School District / 22,993 |
| 33. | 11.3% | Talladega County School District / 49,549 |
| 34. | 11.2% | Choctaw County School District / 13,838 |
| 35. | 11.1% | Coosa County School District / 11,305 |
| 36. | 11.1% | Sylacauga City School District / 12,778 |
| 37. | 10.7% | Winston County School District / 16,292 |
| 38. | 10.7% | Arab City School District / 8,119 |
| 39. | 10.5% | Crenshaw County School District / 13,971 |
| 40. | 10.5% | Anniston City School District / 23,067 |
| 41. | 10.3% | Calhoun County School District / 57,522 |
| 42. | 9.8% | Jacksonville City School District / 12,304 |
| 43. | 9.7% | Homewood City School District / 25,123 |
| 44. | 9.7% | Washington County School District / 17,407 |
| 45. | 9.7% | Fairfield City School District / 11,135 |
| 46. | 9.6% | Gadsden City School District / 36,888 |
| 47. | 9.6% | Colbert County School District / 23,928 |
| 48. | 9.5% | Autauga County School District / 54,590 |
| 49. | 9.4% | Walker County School District / 52,684 |
| 50. | 9.4% | Pell City City School District / 26,874 |
| 51. | 9.2% | Chambers County School District / 27,713 |
| 52. | 9.2% | Russell County School District / 24,584 |
| 53. | 9.0% | Lamar County School District / 14,513 |
| 54. | 8.8% | Saraland City School District / 13,231 |
| 55. | 8.7% | Montgomery County School District / 227,324 |
| 56. | 8.6% | Randolph County School District / 16,768 |
| 57. | 8.5% | Escambia County School District / 32,745 |
| 58. | 8.5% | Mobile County School District / 399,066 |
| 59. | 8.2% | Sheffield City School District / 9,060 |
| 60. | 8.2% | Bibb County School District / 22,769 |
| 61. | 8.2% | Midfield City School District / 5,366 |
| 62. | 8.0% | Marion County School District / 24,959 |
| 63. | 8.0% | Etowah County School District / 60,225 |
| 64. | 8.0% | St. Clair County School District / 54,272 |
| 65. | 8.0% | Tarrant City School District / 6,412 |
| 66. | 8.0% | Tuscaloosa City School District / 90,051 |
| 67. | 8.0% | Scottsboro City School District / 14,792 |
| 68. | 7.9% | DeKalb County School District / 56,881 |
| 68. | 7.9% | Marshall County School District / 47,316 |
| 70. | 7.8% | Elmore County School District / 71,881 |
| 71. | 7.7% | Pickens County School District / 19,646 |
| 72. | 7.7% | Covington County School District / 22,095 |
| 73. | 7.7% | Tallassee City School District / 9,137 |
| 74. | 7.7% | Cleburne County School District / 14,832 |
| 75. | 7.6% | Hoover City School District / 81,254 |
| 76. | 7.5% | Henry County School District / 17,275 |
| 77. | 7.5% | Bullock County School District / 10,779 |
| 78. | 7.5% | Dale County School District / 14,744 |
| 78. | 7.5% | Chilton County School District / 43,611 |
| 78. | 7.5% | Jefferson County School District / 230,130 |
| 81. | 7.3% | Coffee County School District / 18,672 |
| 82. | 7.2% | Troy City School District / 17,864 |
| 83. | 7.1% | Hartselle City School District / 13,622 |
| 84. | 7.1% | Mountain Brook City School District / 20,398 |
| 85. | 7.1% | Tuscumbia City School District / 8,401 |
| 86. | 7.1% | Winfield City School District / 7,003 |
| 87. | 7.0% | Haleyville City School District / 8,523 |
| 87. | 7.0% | Blount County School District / 50,888 |
| 89. | 6.9% | Pike County School District / 14,886 |
| 90. | 6.9% | Lawrence County School District / 34,148 |
| 90. | 6.9% | Franklin County School District / 21,873 |
| 92. | 6.8% | Andalusia City School District / 9,028 |
| 93. | 6.8% | Jasper City School District / 14,332 |
| 94. | 6.7% | Florence City School District / 39,288 |
| 95. | 6.6% | Morgan County School District / 50,112 |
| 95. | 6.6% | Madison County School District / 123,255 |
| 97. | 6.6% | Clay County School District / 13,828 |
| 98. | 6.6% | Limestone County School District / 57,647 |
| 99. | 6.4% | Cullman County School District / 65,690 |
| 100. | 6.4% | Eufaula City School District / 13,086 |
| 101. | 6.4% | Baldwin County School District / 183,226 |
| 102. | 6.2% | Fayette County School District / 15,515 |
| 103. | 6.0% | Decatur City School District / 55,664 |
| 104. | 5.9% | Leeds City School District / 12,160 |
| 105. | 5.9% | Alexander City City School District / 17,570 |
| 106. | 5.8% | Lauderdale County School District / 53,240 |
| 107. | 5.8% | Houston County School District / 36,728 |
| 107. | 5.8% | Jackson County School District / 38,487 |
| 109. | 5.8% | Russellville City School District / 9,791 |
| 110. | 5.7% | Albertville City School District / 21,079 |
| 111. | 5.6% | Oneonta City School District / 6,578 |
| 112. | 5.3% | Shelby County School District / 170,402 |
| 113. | 5.2% | Dothan City School District / 66,355 |
| 114. | 5.1% | Tuscaloosa County School District / 104,203 |
| 115. | 5.0% | Tallapoosa County School District / 22,276 |
| 116. | 4.9% | Athens City School District / 22,198 |
| 117. | 4.8% | Geneva County School District / 20,150 |
| 117. | 4.8% | Ozark City School District / 16,947 |
| 119. | 4.7% | Geneva City School District / 6,619 |
| 120. | 4.7% | Vestavia Hills City School District / 33,831 |
| 121. | 4.6% | Huntsville City School District / 171,881 |
| 122. | 4.5% | Enterprise City School District / 26,635 |
| 123. | 4.5% | Cullman City School District / 14,652 |
| 124. | 3.6% | Attalla City School District / 6,060 |
| 125. | 3.5% | Daleville City School District / 11,140 |
| 126. | 3.5% | Guntersville City School District / 8,241 |
| 127. | 3.4% | Oxford City School District / 22,936 |
| 128. | 3.4% | Thomasville City School District / 5,637 |
| 129. | 3.3% | Trussville City School District / 19,178 |
| 130. | 3.2% | Demopolis City School District / 7,439 |
| 131. | 2.3% | Fort Payne City School District / 14,068 |
| 132. | 2.1% | Madison City School District / 42,925 |
Please note that we only rank locations with 'Percentage of Houses without 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 without 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.
