| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 36.2% | Pawnee Heights Unified School District 496 / 601 |
| 2. | 32.7% | Jayhawk Unified School District 346 / 3,324 |
| 3. | 31.1% | Cheylin Unified School District 103 / 1,176 |
| 4. | 30.3% | Herington Unified School District 487 / 3,001 |
| 5. | 30.0% | Name N/A / 933 |
| 6. | 29.8% | Elk Valley Unified School District 283 / 790 |
| 7. | 27.3% | Frontenac Public Schools Unified School District 249 / 3,450 |
| 8. | 26.7% | Hanston Unified School District 228 / 581 |
| 9. | 26.1% | Oakley Unified School District 274 / 2,305 |
| 10. | 25.6% | Pike Valley Unified School District 426 / 1,264 |
| 11. | 25.5% | Garnett Unified School District 365 / 6,620 |
| 12. | 25.1% | Kansas City Unified School District 500 / 112,908 |
| 13. | 24.7% | Marais des Cygnes Valley Unified School District 456 / 1,702 |
| 14. | 24.6% | Chase County Unified School District 284 / 2,968 |
| 15. | 24.4% | West Elk Unified School District 282 / 2,695 |
| 16. | 24.3% | Fairfield Unified School District 310 / 2,330 |
| 17. | 24.0% | Baxter Springs Unified School District 508 / 4,713 |
| 18. | 23.4% | Wathena Unified School District 406 / 2,063 |
| 19. | 22.4% | Syracuse Unified School District 494 / 2,583 |
| 20. | 22.2% | Name N/A / 1,432 |
| 21. | 22.0% | Lorraine Unified School District 328 / 2,575 |
| 22. | 21.2% | Erie Unified School District 101 / 3,767 |
| 23. | 21.1% | Barnes Unified School District 223 / 2,573 |
| 24. | 21.0% | Holcomb Unified School District 363 / 2,959 |
| 25. | 20.8% | Grinnell Public Schools Unified School District 291 / 608 |
| 26. | 20.8% | Scott County Unified School District 466 / 4,658 |
| 27. | 20.0% | Weskan Unified School District 242 / 343 |
| 27. | 20.0% | Elwood Unified School District 486 / 1,111 |
| 29. | 19.9% | Comanche County Unified School District 300 / 1,877 |
| 30. | 19.6% | Moscow Public Schools Unified School District 209 / 667 |
| 31. | 19.6% | Northeast Unified School District 246 / 4,229 |
| 32. | 19.5% | Burlingame Public School Unified School District 454 / 1,619 |
| 33. | 19.5% | Ellinwood Public Schools Unified School District 355 / 2,533 |
| 34. | 19.4% | Central Unified School District 462 / 1,803 |
| 35. | 19.3% | Smith Center Unified School District 237 / 2,907 |
| 36. | 18.9% | Lyndon Unified School District 421 / 2,856 |
| 37. | 18.9% | Belle Plaine Unified School District 357 / 3,274 |
| 38. | 18.8% | Argonia Public Schools Unified School District 359 / 1,106 |
| 39. | 18.7% | Onaga-Havensville-Wheaton Unified School District 322 / 2,211 |
| 40. | 18.5% | Western Plains Unified School District 106 / 1,362 |
| 41. | 18.3% | Centre Unified School District 397 / 1,552 |
| 42. | 18.2% | Elkhart Unified School District 218 / 2,422 |
| 43. | 18.2% | Hiawatha Unified School District 415 / 5,527 |
| 44. | 18.2% | Norton Community Schools Unified School District 211 / 4,347 |
| 45. | 18.1% | Coffeyville Unified School District 445 / 13,155 |
| 46. | 18.0% | Oswego Unified School District 504 / 2,444 |
| 47. | 18.0% | Crest Unified School District 479 / 1,475 |
| 48. | 17.6% | West Franklin Unified School District 287 / 5,277 |
| 49. | 17.6% | St. John-Hudson Unified School District 350 / 1,892 |
| 50. | 17.4% | Oskaloosa Public Schools Unified School District 341 / 3,340 |
| 51. | 17.4% | Remington-Whitewater Unified School District 206 / 3,413 |
| 52. | 17.3% | Liberal Unified School District 480 / 20,612 |
| 53. | 17.2% | Stanton County Unified School District 452 / 2,152 |
| 53. | 17.2% | Plainville Unified School District 270 / 2,158 |
| 55. | 17.2% | Holton Unified School District 336 / 5,454 |
| 56. | 17.1% | North Jackson Unified School District 335 / 2,128 |
| 57. | 17.1% | Palco Unified School District 269 / 852 |
| 58. | 16.9% | Valley Heights Unified School District 498 / 2,199 |
| 58. | 16.9% | Oberlin Unified School District 294 / 2,803 |
| 60. | 16.9% | Barber County North Unified School District 254 / 3,050 |
| 61. | 16.9% | Augusta Unified School District 402 / 11,737 |
| 62. | 16.9% | Goessel Unified School District 411 / 1,525 |
| 63. | 16.7% | Bluestem Unified School District 205 / 3,964 |
| 64. | 16.6% | Fredonia Unified School District 484 / 4,764 |
| 65. | 16.6% | Name N/A / 1,241 |
| 66. | 16.3% | Fort Larned Unified School District 495 / 6,550 |
| 67. | 16.3% | Lawrence Unified School District 497 / 94,421 |
| 68. | 16.3% | Hoxie Community Schools Unified School District 412 / 2,023 |
| 69. | 16.1% | Hutchinson Public Schools Unified School District 308 / 33,196 |
| 70. | 16.1% | Kaw Valley Unified School District 321 / 7,547 |
| 71. | 16.0% | Gardner Edgerton Unified School District 231 / 21,773 |
| 72. | 16.0% | Emporia Unified School District 253 / 28,345 |
| 73. | 15.9% | Chapman Unified School District 473 / 5,789 |
| 74. | 15.8% | McLouth Unified School District 342 / 3,581 |
| 75. | 15.8% | Axtell Unified School District 488 / 1,542 |
| 76. | 15.7% | Chanute Public Schools Unified School District 413 / 10,536 |
| 77. | 15.7% | Dodge City Unified School District 443 / 29,414 |
| 78. | 15.6% | Santa Fe Trail Unified School District 434 / 5,859 |
| 79. | 15.6% | Satanta Unified School District 507 / 1,956 |
| 80. | 15.6% | Bonner Springs Unified School District 204 / 13,020 |
| 81. | 15.5% | Fort Scott Unified School District 234 / 11,828 |
| 81. | 15.5% | Name N/A / 727 |
| 83. | 15.5% | Cherryvale Unified School District 447 / 4,125 |
| 84. | 15.5% | Prairie View Unified School District 362 / 5,730 |
| 85. | 15.5% | Name N/A / 726 |
| 86. | 15.4% | Kinsley-Offerle Unified School District 347 / 2,178 |
| 87. | 15.4% | Atchison Public Schools Unified School District 409 / 11,818 |
| 88. | 15.4% | Ulysses Unified School District 214 / 7,384 |
| 89. | 15.4% | Jefferson County North Unified School District 339 / 2,503 |
| 90. | 15.3% | Cunningham Unified School District 332 / 1,331 |
| 91. | 15.3% | Galena Unified School District 499 / 3,858 |
| 92. | 15.3% | Rawlins County Unified School District 105 / 2,073 |
| 92. | 15.3% | Winfield Unified School District 465 / 14,195 |
| 94. | 15.3% | Central Heights Unified School District 288 / 2,637 |
| 95. | 15.3% | Paradise Unified School District 399 / 781 |
| 96. | 15.2% | Lakin Unified School District 215 / 3,161 |
| 97. | 15.2% | Pleasanton Unified School District 344 / 2,135 |
| 98. | 15.0% | El Dorado Unified School District 490 / 13,192 |
| 98. | 15.0% | Royal Valley Unified School District 337 / 4,562 |
| 100. | 15.0% | Riverton Unified School District 404 / 3,529 |
| 101. | 15.0% | Sylvan Grove Unified School District 299 / 931 |
| 102. | 14.9% | Leroy-Gridley Unified School District 245 / 1,710 |
| 103. | 14.9% | Southern Cloud Unified School District 334 / 1,428 |
| 103. | 14.9% | Stockton Unified School District 271 / 2,213 |
| 105. | 14.8% | Ottawa Unified School District 290 / 15,453 |
| 106. | 14.7% | Marysville Unified School District 364 / 5,321 |
| 107. | 14.7% | Circle Unified School District 375 / 9,529 |
| 108. | 14.7% | Conway Springs Unified School District 356 / 2,931 |
| 109. | 14.7% | Peabody-Burns Unified School District 398 / 2,792 |
| 110. | 14.7% | St. Francis Community Schools Unified School District 297 / 2,003 |
| 111. | 14.6% | Fowler Unified School District 225 / 890 |
| 112. | 14.5% | Humboldt Unified School District 258 / 2,877 |
| 113. | 14.5% | Cherokee Unified School District 247 / 4,547 |
| 114. | 14.4% | Quinter Public Schools Unified School District 293 / 1,471 |
| 114. | 14.4% | Topeka Public Schools Unified School District 501 / 95,506 |
| 116. | 14.4% | Goodland Unified School District 352 / 5,816 |
| 117. | 14.4% | Lyons Unified School District 405 / 3,895 |
| 118. | 14.4% | Name N/A / 2,904 |
| 119. | 14.3% | Clay Center Unified School District 379 / 8,381 |
| 120. | 14.3% | Osawatomie Unified School District 367 / 6,697 |
| 121. | 14.3% | Ashland Unified School District 220 / 1,442 |
| 122. | 14.2% | Ell-Saline Unified School District 307 / 1,655 |
| 123. | 14.2% | Turner Unified School District 202 / 18,229 |
| 124. | 14.2% | Cimarron-Ensign Unified School District 102 / 3,420 |
| 125. | 14.2% | Salina Unified School District 305 / 47,789 |
| 126. | 14.2% | South Haven Unified School District 509 / 758 |
| 127. | 14.1% | Caldwell Unified School District 360 / 1,584 |
| 128. | 14.1% | Woodson Unified School District 366 / 2,743 |
| 129. | 14.0% | Clifton-Clyde Unified School District 224 / 2,125 |
| 130. | 14.0% | Ingalls Unified School District 477 / 962 |
| 131. | 13.9% | Stafford Unified School District 349 / 1,472 |
| 132. | 13.9% | Wichita Unified School District 259 / 311,851 |
| 133. | 13.9% | Marion-Florence Unified School District 408 / 3,241 |
| 134. | 13.8% | Louisburg Unified School District 416 / 7,972 |
| 135. | 13.8% | Clearwater Unified School District 264 / 5,693 |
| 136. | 13.7% | Altoona-Midway Unified School District 387 / 1,842 |
| 136. | 13.7% | Deerfield Unified School District 216 / 1,036 |
| 138. | 13.7% | Name N/A / 1,939 |
| 139. | 13.5% | Brewster Unified School District 314 / 536 |
| 140. | 13.4% | Piper Unified School District 203 / 9,818 |
| 141. | 13.4% | Sedgwick Public Schools Unified School District 439 / 1,884 |
| 142. | 13.3% | Durham-Hillsboro-Lehigh Unified School District 410 / 4,152 |
| 143. | 13.2% | Name N/A / 887 |
| 144. | 13.2% | Shawnee Mission Public Schools Unified School District / 219,917 |
| 144. | 13.2% | Little River Unified School District 444 / 1,809 |
| 146. | 13.1% | Chase-Raymond Unified School District 401 / 931 |
| 147. | 13.1% | Easton Unified School District 449 / 3,767 |
| 148. | 13.1% | Meade Unified School District 226 / 2,293 |
| 149. | 13.1% | Bucklin Unified School District 459 / 1,857 |
| 150. | 13.0% | Columbus Unified School District 493 / 7,499 |
| 150. | 13.0% | WaKeeney Unified School District 208 / 2,704 |
| 152. | 13.0% | Blue Valley Unified School District 229 / 110,077 |
| 153. | 12.9% | Wallace County Schools Unified School District 241 / 1,103 |
| 154. | 12.9% | Twin Valley Unified School District 240 / 2,441 |
| 155. | 12.8% | Udall Unified School District 463 / 2,194 |
| 156. | 12.8% | Paola Unified School District 368 / 10,932 |
| 157. | 12.7% | Arkansas City Unified School District 470 / 15,099 |
| 158. | 12.7% | Blue Valley Unified School District 384 / 1,872 |
| 159. | 12.7% | Waconda Unified School District 272 / 2,866 |
| 160. | 12.6% | Nickerson Unified School District 309 / 7,331 |
| 161. | 12.6% | Pretty Prairie Unified School District 311 / 1,754 |
| 161. | 12.6% | Uniontown Unified School District 235 / 2,772 |
| 163. | 12.5% | Rose Hill Public Schools Unified School District 394 / 7,670 |
| 164. | 12.2% | LaCrosse Unified School District 395 / 2,212 |
| 165. | 12.1% | Mullinville Unified School District 424 / 385 |
| 166. | 12.1% | Ellis Unified School District 388 / 2,601 |
| 167. | 12.0% | Pittsburg Unified School District 250 / 22,377 |
| 168. | 12.0% | Leavenworth Unified School District 453 / 27,731 |
| 169. | 12.0% | Great Bend Unified School District 428 / 18,838 |
| 170. | 11.9% | Name N/A / 810 |
| 171. | 11.9% | Ness City Unified School District 303 / 1,623 |
| 171. | 11.9% | Tonganoxie Unified School District 464 / 9,368 |
| 173. | 11.8% | Lincoln Unified School District 298 / 2,332 |
| 174. | 11.7% | Derby Unified School District 260 / 34,885 |
| 175. | 11.7% | Shawnee Heights Unified School District 450 / 19,500 |
| 176. | 11.6% | Dighton Unified School District 482 / 1,343 |
| 177. | 11.6% | Baldwin City Unified School District 348 / 8,023 |
| 178. | 11.6% | South Barber Unified School District 255 / 1,651 |
| 179. | 11.4% | Burlington Unified School District 244 / 3,864 |
| 180. | 11.4% | Rock Creek Unified School District 323 / 4,275 |
| 181. | 11.4% | Greeley County Schools Unified School District 200 / 1,183 |
| 182. | 11.4% | Eudora Unified School District 491 / 7,473 |
| 183. | 11.3% | Golden Plains Unified School District 316 / 559 |
| 183. | 11.3% | Osborne County Unified School District 392 / 2,059 |
| 185. | 11.3% | Morris County Unified School District 417 / 5,302 |
| 186. | 11.2% | Osage City Unified School District 420 / 3,653 |
| 187. | 11.1% | Seaman Unified School District 345 / 19,293 |
| 188. | 11.1% | Basehor-Linwood Unified School District 458 / 10,600 |
| 189. | 11.0% | Chetopa-St. Paul Unified School District 505 / 2,845 |
| 190. | 11.0% | Concordia Unified School District 333 / 6,685 |
| 190. | 11.0% | Attica Unified School District 511 / 901 |
| 192. | 11.0% | Auburn-Washburn Unified School District 437 / 32,462 |
| 193. | 11.0% | Southeast of Saline Unified School District 306 / 3,353 |
| 194. | 10.9% | Rural Vista Unified School District 481 / 2,353 |
| 195. | 10.9% | Manhattan Unified School District 383 / 59,653 |
| 196. | 10.9% | Perry Public Schools Unified School District 343 / 5,769 |
| 197. | 10.8% | Copeland Unified School District 476 / 816 |
| 198. | 10.8% | Montezuma Unified School District 371 / 1,415 |
| 199. | 10.7% | Jefferson West Unified School District 340 / 5,091 |
| 200. | 10.7% | Douglass Public Schools Unified School District 396 / 3,759 |
| 201. | 10.7% | Geary County Schools Unified School District 475 / 36,134 |
| 202. | 10.7% | Dexter Unified School District 471 / 782 |
| 203. | 10.7% | McPherson Unified School District 418 / 15,033 |
| 204. | 10.7% | Burrton Unified School District 369 / 1,563 |
| 205. | 10.6% | Olathe Unified School District 233 / 137,401 |
| 206. | 10.6% | South Brown County Unified School District 430 / 3,770 |
| 207. | 10.5% | Andover Unified School District 385 / 20,553 |
| 208. | 10.5% | Wellsville Unified School District 289 / 4,114 |
| 209. | 10.5% | Lansing Unified School District 469 / 13,819 |
| 209. | 10.5% | Garden City Unified School District 457 / 37,767 |
| 211. | 10.5% | Pratt Unified School District 382 / 8,143 |
| 212. | 10.4% | Victoria Unified School District 432 / 2,014 |
| 213. | 10.4% | De Soto Unified School District 232 / 27,975 |
| 213. | 10.4% | Iola Unified School District 257 / 8,690 |
| 215. | 10.4% | Solomon Unified School District 393 / 2,524 |
| 216. | 10.3% | Russell County Unified School District 407 / 6,486 |
| 217. | 10.3% | Lewis Unified School District 502 / 801 |
| 218. | 10.2% | Neodesha Unified School District 461 / 3,704 |
| 219. | 10.2% | Renwick Unified School District 267 / 8,418 |
| 220. | 10.2% | Lebo-Waverly Unified School District 243 / 2,925 |
| 221. | 10.1% | Colby Public Schools Unified School District 315 / 6,386 |
| 222. | 10.0% | Flinthills Unified School District 492 / 1,380 |
| 223. | 10.0% | North Lyon County Unified School District 251 / 3,657 |
| 224. | 9.9% | Leoti Unified School District 467 / 2,196 |
| 225. | 9.8% | Haven Public Schools Unified School District 312 / 5,953 |
| 226. | 9.8% | Halstead Unified School District 440 / 4,172 |
| 227. | 9.7% | Riley County Unified School District 378 / 3,942 |
| 228. | 9.7% | Hays Unified School District 489 / 22,827 |
| 229. | 9.7% | Labette County Unified School District 506 / 7,054 |
| 230. | 9.6% | Marmaton Valley Unified School District 256 / 1,682 |
| 231. | 9.6% | Newton Unified School District 373 / 21,676 |
| 232. | 9.6% | Girard Unified School District 248 / 5,860 |
| 233. | 9.5% | Valley Center Public Schools Unified School District 262 / 12,815 |
| 234. | 9.4% | Beloit Unified School District 273 / 4,579 |
| 235. | 9.4% | Wheatland Unified School District 292 / 873 |
| 236. | 9.1% | Abilene Unified School District 435 / 7,970 |
| 237. | 9.1% | Anthony-Harper Unified School District 361 / 4,717 |
| 238. | 9.1% | Phillipsburg Unified School District 325 / 3,341 |
| 239. | 9.0% | Parsons Unified School District 503 / 10,605 |
| 239. | 9.0% | Independence Unified School District 446 / 13,750 |
| 241. | 9.0% | Macksville Unified School District 351 / 1,234 |
| 242. | 8.8% | Nemaha Valley Schools Unified School District 442 / 2,893 |
| 243. | 8.7% | Wellington Unified School District 353 / 9,071 |
| 244. | 8.6% | Mulvane Unified School District 263 / 9,646 |
| 245. | 8.5% | Kismet-Plains Unified School District 483 / 3,084 |
| 246. | 8.4% | Wabaunsee East Unified School District 330 / 3,502 |
| 247. | 8.4% | Canton-Galva Unified School District 419 / 2,757 |
| 247. | 8.4% | Haysville Unified School District 261 / 22,756 |
| 249. | 8.2% | Silver Lake Unified School District 372 / 3,788 |
| 250. | 8.2% | Caney Valley Unified School District 436 / 3,792 |
| 251. | 8.2% | Valley Falls Unified School District 338 / 2,165 |
| 252. | 8.2% | Greensburg Unified School District 422 / 1,229 |
| 253. | 8.1% | Hoisington Unified School District 431 / 3,798 |
| 254. | 7.9% | Hill City Unified School District 281 / 2,245 |
| 255. | 7.9% | Northern Valley Unified School District 212 / 1,110 |
| 256. | 7.8% | North Ottawa County Unified School District 239 / 3,415 |
| 257. | 7.7% | Healy Public Schools Unified School District 468 / 324 |
| 258. | 7.7% | Maize Unified School District 266 / 32,066 |
| 259. | 7.6% | Smoky Valley Unified School District 400 / 5,848 |
| 260. | 7.6% | Goddard Unified School District 265 / 24,011 |
| 261. | 7.5% | Wamego Unified School District 320 / 7,037 |
| 262. | 7.4% | Troy Public Schools Unified School District 429 / 1,921 |
| 263. | 7.2% | Sublette Unified School District 374 / 2,036 |
| 264. | 7.1% | Name N/A / 732 |
| 265. | 7.1% | Southern Lyon County Unified School District 252 / 2,910 |
| 266. | 7.0% | Atchison County Community Schools Unified School District 377 / 4,529 |
| 266. | 7.0% | Spring Hill Unified School District 230 / 10,988 |
| 268. | 6.9% | Mill Creek Valley Unified School District 329 / 3,399 |
| 269. | 6.7% | Kingman-Norwich Unified School District 331 / 6,275 |
| 270. | 6.6% | Oxford Unified School District 358 / 2,012 |
| 271. | 6.5% | Rolla Unified School District 217 / 675 |
| 272. | 5.8% | Eureka Unified School District 389 / 4,319 |
| 273. | 5.7% | Sterling Unified School District 376 / 3,341 |
| 274. | 5.7% | Triplains Unified School District 275 / 747 |
| 274. | 5.7% | Buhler Unified School District 313 / 13,247 |
| 276. | 5.4% | Vermillion Unified School District 380 / 2,847 |
| 277. | 5.2% | Spearville Unified School District 381 / 1,214 |
| 278. | 5.1% | Otis-Bison Unified School District 403 / 1,344 |
| 279. | 4.8% | Moundridge Unified School District 423 / 3,091 |
| 280. | 4.7% | Minneola Unified School District 219 / 722 |
| 281. | 4.7% | Ellsworth Unified School District 327 / 4,290 |
| 281. | 4.7% | Inman Unified School District 448 / 2,935 |
| 283. | 4.5% | Cheney Unified School District 268 / 3,615 |
| 284. | 4.5% | West Solomon Valley Schools Unified School District 213 / 530 |
| 285. | 4.1% | Claflin Unified School District 354 / 1,381 |
| 286. | 4.0% | Name N/A / 1,485 |
| 286. | 4.0% | B and B Unified School District 451 / 940 |
| 288. | 3.7% | Hesston Unified School District 460 / 4,723 |
| 289. | 3.4% | Logan Unified School District 326 / 1,024 |
| 290. | 3.3% | Hugoton Public Schools Unified School District 210 / 4,514 |
| 291. | 3.2% | Sabetha Unified School District 441 / 5,241 |
| 292. | 3.1% | Madison-Virgil Unified School District 386 / 1,743 |
| 293. | 2.5% | Haviland Unified School District 474 / 1,015 |
| 294. | 2.4% | Chautauqua County Community Unified School District 286 / 2,754 |
| 295. | 2.1% | Cedar Vale Unified School District 285 / 905 |
| 296. | 0.6% | Skyline Schools Unified School District 438 / 1,301 |
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.
