| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 100.0% | San Fernando Elementary District / 55 |
| 2. | 66.7% | Colorado City Unified District / 6,301 |
| 3. | 57.1% | Mobile Elementary District / 74 |
| 3. | 57.1% | Redington Elementary District / 94 |
| 5. | 54.1% | Ash Fork Joint Unified District / 2,031 |
| 6. | 52.9% | Aguila Elementary District / 1,157 |
| 7. | 52.7% | Chevelon Butte School District / 542 |
| 8. | 48.7% | Alpine Elementary District / 401 |
| 9. | 46.7% | Canon Elementary District / 2,661 |
| 10. | 44.4% | Apache Elementary District / 132 |
| 11. | 42.0% | Heber-Overgaard Unified District / 3,969 |
| 12. | 41.6% | Murphy Elementary District / 13,666 |
| 13. | 41.0% | Wilson Elementary District / 3,247 |
| 14. | 40.8% | Clarkdale-Jerome Elementary District / 3,767 |
| 15. | 40.0% | Klondyke Elementary District / 49 |
| 15. | 40.0% | Bowie Unified District / 463 |
| 17. | 38.2% | Cochise Elementary District / 220 |
| 18. | 36.3% | Sedona-Oak Creek Joint Unified District / 14,547 |
| 19. | 35.7% | Cartwright Elementary District / 119,571 |
| 20. | 35.7% | Isaac Elementary District / 43,040 |
| 21. | 35.3% | Naco Elementary District / 1,547 |
| 22. | 34.5% | Nadaburg Unified School District / 8,546 |
| 23. | 34.5% | Ash Creek Elementary District / 591 |
| 24. | 34.4% | Bonita Elementary District / 1,265 |
| 25. | 32.7% | Stanfield Elementary District / 4,758 |
| 26. | 32.5% | Maine Consolidated School District / 1,543 |
| 27. | 32.4% | Kayenta Unified District / 9,909 |
| 28. | 31.9% | Concho Elementary District / 2,644 |
| 29. | 31.8% | Alhambra Elementary District / 88,563 |
| 30. | 31.1% | Tonto Basin Elementary District / 1,647 |
| 31. | 31.0% | Pomerene Elementary District / 1,106 |
| 32. | 30.7% | Kirkland Elementary District / 1,276 |
| 33. | 30.4% | Cedar Unified District / 8,026 |
| 34. | 29.3% | Sunnyside Unified District / 91,086 |
| 35. | 29.2% | Somerton Elementary District / 22,334 |
| 36. | 29.1% | Window Rock Unified District / 12,438 |
| 37. | 28.9% | Riverside Elementary District / 6,837 |
| 38. | 28.9% | Mingus Union High School District / 34,444 |
| 39. | 28.9% | Vernon Elementary District / 1,926 |
| 40. | 28.7% | Littlefield Unified District / 3,636 |
| 41. | 28.5% | Fowler Elementary District / 32,062 |
| 41. | 28.5% | Nogales Unified District / 21,898 |
| 43. | 28.4% | Palominas Elementary District / 10,560 |
| 44. | 28.3% | Payson Unified District / 21,510 |
| 45. | 28.3% | Balsz Elementary District / 29,647 |
| 46. | 28.1% | Oracle Elementary District / 13,855 |
| 47. | 28.0% | Mohave Valley Elementary District / 20,894 |
| 48. | 27.9% | Skull Valley Elementary District / 600 |
| 49. | 27.7% | Cottonwood-Oak Creek Elementary District / 30,677 |
| 50. | 27.7% | Patagonia Elementary District / 1,362 |
| 51. | 27.7% | Eloy Elementary District / 6,644 |
| 52. | 27.6% | Glendale Elementary District / 99,031 |
| 53. | 27.6% | Tanque Verde Unified District / 11,845 |
| 54. | 27.6% | Picacho Elementary District / 8,001 |
| 55. | 27.1% | Lake Havasu Unified District / 55,833 |
| 56. | 26.9% | Salome Consolidated Elementary District / 2,899 |
| 57. | 26.5% | Bouse Elementary District / 811 |
| 58. | 26.5% | San Simon Unified District / 758 |
| 59. | 26.4% | Phoenix Union High School District / 670,209 |
| 60. | 26.4% | Topock Elementary District / 2,525 |
| 61. | 26.4% | Wickenburg Unified District / 11,718 |
| 62. | 26.3% | McNary Elementary District / 543 |
| 63. | 26.2% | Cave Creek Unified District / 55,010 |
| 64. | 26.2% | Gadsden Elementary District / 28,694 |
| 65. | 26.1% | Beaver Creek Elementary District / 5,652 |
| 66. | 26.1% | Apache Junction Unified District / 56,829 |
| 66. | 26.1% | Hillside Elementary District / 139 |
| 68. | 25.9% | Sanders Unified District / 6,436 |
| 69. | 25.7% | Tolleson Elementary District / 15,837 |
| 70. | 25.7% | Colorado River Union High School District / 63,402 |
| 71. | 25.7% | Prescott Unified District / 55,352 |
| 72. | 25.6% | Yarnell Elementary District / 1,211 |
| 73. | 25.5% | Double Adobe Elementary District / 632 |
| 74. | 25.4% | Chino Valley Unified District / 21,274 |
| 75. | 25.3% | Bisbee Unified District / 6,705 |
| 76. | 25.2% | Pinon Unified District / 6,729 |
| 77. | 25.0% | Mayer Unified District / 5,602 |
| 78. | 25.0% | Show Low Unified District / 15,516 |
| 79. | 24.7% | Camp Verde Unified District / 11,295 |
| 80. | 24.4% | Mohawk Valley Elementary District / 1,677 |
| 81. | 24.4% | Phoenix Elementary District / 54,631 |
| 82. | 24.4% | Arlington Elementary District / 1,335 |
| 83. | 24.4% | Glendale Union High School District / 328,488 |
| 84. | 24.2% | Patagonia Union High School District / 3,163 |
| 85. | 24.2% | Union Elementary District / 15,110 |
| 86. | 24.1% | Humboldt Unified District / 52,054 |
| 87. | 24.1% | Scottsdale Unified District / 226,958 |
| 88. | 23.9% | Toltec Elementary District / 13,148 |
| 89. | 23.9% | Bullhead City School District / 39,983 |
| 90. | 23.9% | Congress Elementary District / 1,631 |
| 91. | 23.8% | Creighton Elementary District / 66,503 |
| 92. | 23.8% | Flowing Wells Unified District / 29,583 |
| 93. | 23.5% | Queen Creek Unified District / 28,951 |
| 93. | 23.5% | Red Mesa Unified District / 7,761 |
| 95. | 23.4% | Indian Oasis-Baboquivari Unified District / 6,666 |
| 96. | 23.3% | Altar Valley Elementary District / 7,069 |
| 97. | 23.3% | Laveen Elementary District / 44,709 |
| 98. | 23.3% | Washington Elementary District / 229,457 |
| 99. | 23.2% | Kingman Unified School District / 68,561 |
| 100. | 23.1% | Roosevelt Elementary District / 105,099 |
| 100. | 23.1% | Casa Grande Union High School District / 88,203 |
| 102. | 23.1% | Sonoita Elementary District / 1,801 |
| 103. | 23.1% | Pearce Elementary District / 2,017 |
| 104. | 23.0% | Flagstaff Unified District / 93,120 |
| 105. | 23.0% | Winslow Unified District / 11,733 |
| 106. | 22.9% | St. Johns Unified District / 3,929 |
| 107. | 22.9% | Tucson Unified District / 477,922 |
| 108. | 22.9% | Pine Strawberry Elementary District / 1,604 |
| 109. | 22.8% | Tolleson Union High School District / 173,006 |
| 110. | 22.7% | McNeal Elementary District / 1,403 |
| 110. | 22.7% | Owens-Whitney Elementary District / 628 |
| 112. | 22.7% | Casa Grande Elementary District / 62,832 |
| 113. | 22.6% | Pendergast Elementary District / 68,925 |
| 114. | 22.6% | Name N/A / 2,262,744 |
| 115. | 22.4% | Coolidge Unified District / 37,433 |
| 116. | 22.3% | Valley Union High School District / 3,518 |
| 117. | 22.3% | Palo Verde Elementary District / 2,145 |
| 118. | 22.2% | Santa Cruz Valley Union High School District / 17,712 |
| 119. | 22.2% | Walnut Grove Elementary District / 73 |
| 120. | 21.9% | Madison Elementary District / 56,191 |
| 121. | 21.8% | Parker Unified School District / 10,263 |
| 122. | 21.7% | Fountain Hills Unified District / 23,488 |
| 123. | 21.4% | Yuma Union High School District / 195,266 |
| 124. | 21.4% | Douglas Unified District / 22,014 |
| 125. | 21.3% | Yucca Elementary District / 487 |
| 126. | 21.2% | Crown King Elementary District / 111 |
| 127. | 21.1% | Globe Unified District / 10,541 |
| 128. | 21.1% | Catalina Foothills Unified District / 30,821 |
| 129. | 21.0% | Santa Cruz Valley Unified District / 20,263 |
| 130. | 20.7% | Amphitheater Unified District / 134,383 |
| 131. | 20.5% | Mesa Unified District / 468,084 |
| 132. | 20.3% | Tempe School District / 148,671 |
| 133. | 20.3% | Ray Unified District / 3,676 |
| 134. | 19.8% | Peoria Unified School District / 218,476 |
| 135. | 19.8% | Williamson Valley Elementary School District / 506 |
| 136. | 19.7% | Dysart Unified District / 169,324 |
| 137. | 19.7% | Empire Elementary District / 505 |
| 137. | 19.7% | Paradise Valley Unified District / 251,892 |
| 139. | 19.3% | Buckeye Elementary District / 39,188 |
| 139. | 19.3% | Yuma Elementary District / 100,798 |
| 141. | 19.2% | Ajo Unified District / 3,787 |
| 142. | 19.1% | Superior Unified School District / 3,278 |
| 143. | 19.1% | Seligman Unified District / 1,197 |
| 144. | 19.0% | Hackberry School District / 1,223 |
| 145. | 18.9% | Crane Elementary District / 43,440 |
| 146. | 18.9% | Littleton Elementary District / 41,072 |
| 147. | 18.8% | Bicentennial Union High School District / 10,085 |
| 148. | 18.4% | Tuba City Unified District / 16,926 |
| 149. | 18.4% | Buckeye Union High School District / 67,494 |
| 150. | 18.3% | Red Rock Elementary District / 3,067 |
| 150. | 18.3% | Young Elementary School District / 603 |
| 152. | 18.3% | Holbrook Unified District / 10,570 |
| 153. | 18.0% | Clifton Unified District / 2,909 |
| 154. | 17.8% | Deer Valley Unified District / 243,403 |
| 155. | 17.8% | Osborn Elementary District / 38,505 |
| 156. | 17.4% | Marana Unified District / 89,418 |
| 157. | 17.4% | J. O. Combs Unified School District / 38,281 |
| 158. | 17.4% | Chinle Unified District / 20,277 |
| 159. | 17.2% | Gila Bend Unified District / 2,610 |
| 160. | 17.2% | Continental Elementary District / 27,303 |
| 161. | 17.2% | Maricopa Unified School District / 49,568 |
| 162. | 17.1% | Florence Unified School District / 75,228 |
| 163. | 16.9% | Fredonia-Moccasin Unified District / 3,162 |
| 164. | 16.9% | Chandler Unified District / 231,764 |
| 165. | 16.9% | Liberty Elementary District / 24,826 |
| 166. | 16.8% | Avondale Elementary District / 49,323 |
| 167. | 16.8% | Fort Thomas Unified District / 5,401 |
| 168. | 16.7% | Agua Fria Union High School District / 128,761 |
| 169. | 16.6% | Litchfield Elementary District / 79,438 |
| 170. | 16.5% | Round Valley Unified District / 8,073 |
| 171. | 16.3% | Tempe Union High School District / 303,177 |
| 172. | 16.2% | Benson Unified School District / 7,238 |
| 173. | 16.2% | Saddle Mountain Unified School District / 8,320 |
| 174. | 16.1% | Sierra Vista Unified District / 49,181 |
| 175. | 16.0% | Duncan Unified District / 2,767 |
| 176. | 15.9% | Hayden-Winkelman Unified District / 1,275 |
| 177. | 15.9% | Willcox Unified District / 7,579 |
| 178. | 15.8% | Williams Unified District / 5,464 |
| 179. | 15.7% | Tombstone Unified District / 7,646 |
| 180. | 15.7% | Blue Ridge Unified District / 14,337 |
| 181. | 15.7% | Snowflake Unified District / 12,166 |
| 182. | 15.3% | San Carlos Unified District / 5,591 |
| 183. | 15.2% | Ganado Unified District / 7,714 |
| 184. | 15.1% | Quartzsite Elementary District / 5,634 |
| 185. | 15.1% | Santa Cruz Elementary District / 1,926 |
| 186. | 14.7% | Hyder Elementary District / 439 |
| 187. | 14.6% | Gilbert Unified District / 192,279 |
| 188. | 14.4% | Safford Unified District / 15,991 |
| 189. | 14.4% | Kyrene Elementary District / 154,506 |
| 190. | 14.2% | Vail Unified District / 54,562 |
| 191. | 13.5% | Morristown Elementary District / 1,485 |
| 192. | 13.5% | Thatcher Unified District / 7,358 |
| 193. | 12.8% | Higley Unified District / 69,496 |
| 194. | 12.6% | Whiteriver Unified District / 12,202 |
| 195. | 11.7% | Antelope Union High School District / 6,187 |
| 196. | 11.7% | St. David Unified District / 4,220 |
| 197. | 11.6% | Sahuarita Unified District / 27,400 |
| 198. | 11.5% | Mammoth-San Manuel Unified District / 6,097 |
| 199. | 11.3% | Page Unified District / 13,337 |
| 200. | 11.1% | Wenden Elementary District / 741 |
| 201. | 10.6% | Pima Unified District / 3,424 |
| 202. | 9.5% | Miami Unified District / 8,468 |
| 203. | 7.9% | Peach Springs Unified District / 1,103 |
| 204. | 6.8% | Wellton Elementary District / 4,071 |
| 205. | 6.5% | Valentine Elementary District / 320 |
| 206. | 4.9% | Solomon Elementary District / 3,823 |
| 207. | 2.6% | Joseph City Unified District / 1,637 |
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.
