| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 43.5% | Wilkes County School District / 10,398 |
| 2. | 43.2% | Hancock County School District / 9,422 |
| 3. | 34.1% | Towns County School District / 10,491 |
| 4. | 33.3% | Marion County School District / 8,615 |
| 5. | 32.5% | Franklin County School District / 22,070 |
| 6. | 32.2% | Ben Hill County School District / 17,612 |
| 7. | 32.2% | Baker County School District / 3,483 |
| 8. | 31.5% | Taylor County School District / 8,700 |
| 9. | 31.0% | Morgan County School District / 17,919 |
| 10. | 30.2% | Fannin County School District / 23,554 |
| 11. | 30.0% | Union County School District / 21,344 |
| 12. | 29.7% | Jenkins County School District / 8,477 |
| 13. | 29.6% | Lincoln County School District / 7,962 |
| 14. | 29.4% | Montgomery County School District / 8,820 |
| 15. | 28.8% | White County School District / 27,141 |
| 16. | 28.7% | Webster County School District / 2,773 |
| 17. | 28.3% | Terrell County School District / 9,365 |
| 18. | 28.3% | Greene County School District / 15,988 |
| 19. | 27.8% | Twiggs County School District / 8,984 |
| 20. | 27.6% | Echols County School District / 4,024 |
| 21. | 27.4% | Calhoun County School District / 6,581 |
| 22. | 27.1% | Jefferson County School District / 16,817 |
| 23. | 27.0% | Putnam County School District / 21,184 |
| 24. | 26.7% | Hart County School District / 25,277 |
| 25. | 26.5% | Rabun County School District / 16,297 |
| 26. | 26.2% | Dawson County School District / 22,246 |
| 27. | 26.1% | Gilmer County School District / 28,232 |
| 28. | 26.1% | Seminole County School District / 8,815 |
| 29. | 26.0% | Jefferson City School District / 9,296 |
| 30. | 25.7% | Mcintosh County School District / 14,119 |
| 31. | 25.6% | Wilcox County School District / 9,142 |
| 32. | 25.4% | Candler County School District / 11,007 |
| 33. | 25.4% | Banks County School District / 18,250 |
| 34. | 25.4% | Macon County School District / 14,552 |
| 35. | 25.3% | Commerce City School District / 6,550 |
| 36. | 25.1% | Lamar County School District / 18,151 |
| 37. | 25.1% | Chatham County School District / 266,344 |
| 38. | 25.0% | Taliaferro County School District / 1,674 |
| 39. | 25.0% | Valdosta City School District / 54,944 |
| 40. | 24.9% | Clayton County School District / 262,066 |
| 41. | 24.8% | Burke County School District / 23,242 |
| 42. | 24.6% | Atlanta City School District / 425,931 |
| 43. | 24.4% | DeKalb County School District / 646,536 |
| 43. | 24.4% | Dalton City School District / 32,813 |
| 45. | 24.3% | Brooks County School District / 16,066 |
| 46. | 24.3% | Lumpkin County School District / 30,040 |
| 47. | 24.1% | Rome City School District / 36,277 |
| 48. | 24.1% | Calhoun City School District / 15,562 |
| 49. | 24.0% | Talbot County School District / 6,772 |
| 50. | 23.9% | Sumter County School District / 32,425 |
| 51. | 23.8% | Quitman County School District / 2,542 |
| 52. | 23.7% | Spalding County School District / 63,979 |
| 53. | 23.7% | Douglas County School District / 132,124 |
| 54. | 23.3% | Social Circle City School District / 4,226 |
| 55. | 23.3% | Washington County School District / 21,092 |
| 56. | 23.3% | Clinch County School District / 6,800 |
| 57. | 23.3% | Newton County School District / 100,047 |
| 58. | 23.1% | Tattnall County School District / 24,932 |
| 59. | 23.1% | Butts County School District / 23,671 |
| 60. | 23.1% | Bibb County School District / 155,560 |
| 61. | 23.1% | Gwinnett County School District / 799,134 |
| 62. | 23.1% | Troup County School District / 67,146 |
| 63. | 23.0% | Meriwether County School District / 21,966 |
| 64. | 22.9% | Walton County School District / 79,545 |
| 65. | 22.9% | Tift County School District / 40,430 |
| 66. | 22.8% | Thomasville City School District / 18,516 |
| 67. | 22.8% | Atkinson County School District / 8,355 |
| 68. | 22.7% | Camden County School District / 50,435 |
| 69. | 22.6% | Trion City School District / 2,442 |
| 70. | 22.6% | Telfair County School District / 16,312 |
| 71. | 22.6% | Early County School District / 10,928 |
| 72. | 22.5% | Gainesville City School District / 33,969 |
| 73. | 22.3% | Dougherty School District / 94,591 |
| 74. | 22.3% | Dublin City School District / 16,304 |
| 75. | 22.3% | Berrien County School District / 19,131 |
| 76. | 22.2% | Mcduffie County School District / 21,762 |
| 77. | 22.1% | Rockdale County School District / 85,008 |
| 78. | 22.0% | Pierce County School District / 18,631 |
| 79. | 21.9% | Baldwin County School District / 46,378 |
| 80. | 21.8% | Decatur County School District / 27,815 |
| 81. | 21.6% | Glynn County School District / 79,628 |
| 82. | 21.6% | Clay County School District / 3,174 |
| 83. | 21.5% | Randolph County School District / 7,596 |
| 84. | 21.4% | Long County School District / 14,488 |
| 85. | 21.4% | Crisp County School District / 23,460 |
| 86. | 21.2% | Charlton County School District / 12,954 |
| 87. | 21.0% | Cartersville City School District / 19,615 |
| 88. | 21.0% | Madison County School District / 27,988 |
| 89. | 21.0% | Habersham County School District / 43,038 |
| 90. | 20.8% | Hall County School District / 145,939 |
| 91. | 20.8% | Haralson County School District / 22,488 |
| 92. | 20.7% | Chattooga County School District / 23,463 |
| 93. | 20.7% | Jasper County School District / 13,786 |
| 94. | 20.7% | Fulton County School District / 532,296 |
| 95. | 20.6% | Henry County School District / 203,185 |
| 96. | 20.5% | Cherokee County School District / 215,014 |
| 97. | 20.5% | Marietta City School District / 57,451 |
| 98. | 20.5% | Monroe County School District / 26,376 |
| 99. | 20.5% | Coffee County School District / 42,566 |
| 100. | 20.4% | Dade County School District / 16,598 |
| 101. | 20.4% | Oglethorpe County School District / 14,745 |
| 102. | 20.3% | Stephens County School District / 26,003 |
| 103. | 20.3% | Glascock County School District / 3,082 |
| 104. | 20.2% | Upson County School District / 27,061 |
| 105. | 20.0% | Buford City School District / 12,413 |
| 106. | 20.0% | Polk County School District / 41,350 |
| 107. | 19.9% | Screven County School District / 14,574 |
| 107. | 19.9% | Emanuel County School District / 22,600 |
| 109. | 19.8% | Muscogee County School District / 180,339 |
| 110. | 19.8% | Jackson County School District / 44,422 |
| 111. | 19.7% | Fayette County School District / 106,525 |
| 111. | 19.7% | Carroll County School District / 86,222 |
| 113. | 19.7% | Crawford County School District / 12,701 |
| 114. | 19.7% | Warren County School District / 5,788 |
| 115. | 19.6% | Wilkinson County School District / 9,577 |
| 116. | 19.6% | Richmond County School District / 200,337 |
| 117. | 19.4% | Barrow County School District / 69,136 |
| 118. | 19.3% | Worth County School District / 21,746 |
| 119. | 19.3% | Pickens County School District / 29,445 |
| 120. | 19.2% | Thomas County School District / 26,199 |
| 121. | 19.1% | Colquitt County School District / 45,531 |
| 121. | 19.1% | Appling County School District / 18,279 |
| 123. | 19.0% | Grady County School District / 25,068 |
| 124. | 19.0% | Ware County School District / 36,099 |
| 124. | 19.0% | Cobb County School District / 634,369 |
| 126. | 19.0% | Peach County School District / 27,531 |
| 127. | 18.9% | Schley County School District / 4,963 |
| 128. | 18.9% | Clarke County School District / 117,762 |
| 129. | 18.8% | Liberty County School District / 54,566 |
| 129. | 18.8% | Wayne County School District / 30,157 |
| 131. | 18.8% | Brantley County School District / 18,279 |
| 131. | 18.8% | Floyd County School District / 59,927 |
| 133. | 18.8% | Turner County School District / 8,834 |
| 134. | 18.7% | Gordon County School District / 39,630 |
| 135. | 18.6% | Wheeler County School District / 7,572 |
| 136. | 18.6% | Cook County School District / 17,073 |
| 137. | 18.5% | Murray County School District / 39,635 |
| 138. | 18.4% | Harris County School District / 31,870 |
| 139. | 18.4% | Bartow County School District / 80,257 |
| 140. | 18.3% | Forsyth County School District / 177,103 |
| 141. | 18.0% | Jeff Davis County School District / 14,972 |
| 142. | 17.9% | Laurens County School District / 31,960 |
| 143. | 17.6% | Coweta County School District / 127,212 |
| 144. | 17.6% | Bryan County School District / 30,616 |
| 145. | 17.5% | Jones County School District / 28,638 |
| 146. | 17.5% | Paulding County School District / 141,846 |
| 147. | 17.4% | Whitfield County School District / 69,339 |
| 148. | 17.2% | Evans County School District / 10,935 |
| 149. | 17.2% | Heard County School District / 11,756 |
| 150. | 17.1% | Catoosa County School District / 64,226 |
| 151. | 17.1% | Lee County School District / 28,449 |
| 152. | 17.0% | Elbert County School District / 20,103 |
| 153. | 17.0% | Bulloch County School District / 70,360 |
| 154. | 16.9% | Chattahoochee County School District / 2,919 |
| 155. | 16.5% | Pike County School District / 17,765 |
| 156. | 16.5% | Pelham City School District / 3,907 |
| 157. | 16.3% | Dodge County School District / 21,509 |
| 158. | 16.2% | Lowndes County School District / 54,786 |
| 159. | 16.1% | Mitchell County School District / 19,603 |
| 160. | 15.6% | Dooly County School District / 14,528 |
| 161. | 15.6% | Lanier County School District / 10,066 |
| 162. | 15.5% | Walker County School District / 65,411 |
| 163. | 15.5% | Decatur City School District / 19,443 |
| 164. | 15.5% | Stewart County School District / 5,991 |
| 165. | 15.4% | Pulaski County School District / 11,801 |
| 166. | 15.2% | Columbia County School District / 124,665 |
| 167. | 15.2% | Oconee County School District / 32,814 |
| 168. | 15.0% | Johnson County School District / 9,981 |
| 169. | 14.6% | Miller County School District / 6,094 |
| 170. | 14.5% | Treutlen County School District / 6,851 |
| 171. | 14.4% | Irwin County School District / 9,646 |
| 172. | 14.2% | Toombs County School District / 16,876 |
| 173. | 14.0% | Houston County School District / 139,530 |
| 174. | 13.9% | Carrollton City School District / 24,483 |
| 175. | 13.8% | Effingham County School District / 52,203 |
| 176. | 13.1% | Vidalia City School District / 10,628 |
| 177. | 11.3% | Bleckley County School District / 13,009 |
| 178. | 11.1% | Bacon County School District / 11,124 |
| 179. | 10.3% | Bremen City School District / 6,184 |
| 180. | 6.2% | Chickamauga City School District / 3,052 |
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.
