| Rank | Owner Occupied Housing Units with Mortgage Percentage ▼ | School District / Population |
| 1. | 83.3% | Walton-Verona Independent School District / 5,966 |
| 2. | 82.2% | Boone County School District / 108,757 |
| 3. | 78.9% | Silver Grove Independent School District / 1,569 |
| 4. | 78.8% | Spencer County School District / 16,582 |
| 5. | 78.6% | Oldham County School District / 58,784 |
| 6. | 78.4% | Ludlow Independent School District / 4,960 |
| 7. | 77.0% | Scott County School District / 44,868 |
| 8. | 77.0% | Kenton County School District / 97,081 |
| 9. | 76.7% | Newport Independent School District / 15,603 |
| 10. | 75.5% | Fayette County School District / 288,045 |
| 11. | 73.9% | Frankfort Independent School District / 4,748 |
| 12. | 73.9% | Shelby County School District / 40,899 |
| 13. | 73.5% | Bullitt County School District / 72,515 |
| 14. | 72.6% | Fort Thomas Independent School District / 16,172 |
| 15. | 72.5% | Woodford County School District / 24,523 |
| 16. | 72.1% | Elizabethtown Independent School District / 10,536 |
| 16. | 72.1% | Campbell County School District / 40,572 |
| 18. | 71.8% | Erlanger-Elsmere Independent School District / 17,077 |
| 19. | 71.7% | Dayton Independent School District / 5,390 |
| 20. | 71.6% | Covington Independent School District / 33,071 |
| 21. | 71.4% | Southgate Independent School District / 3,704 |
| 22. | 71.0% | Jessamine County School District / 47,073 |
| 23. | 70.7% | Anderson County School District / 21,080 |
| 24. | 70.6% | Bellevue Independent School District / 6,006 |
| 25. | 70.4% | Warren County School District / 83,208 |
| 26. | 70.3% | Anchorage Independent School District / 2,552 |
| 27. | 70.3% | Grant County School District / 21,025 |
| 28. | 70.0% | Jefferson County School District / 726,900 |
| 29. | 69.5% | Bardstown Independent School District / 13,166 |
| 30. | 69.2% | Franklin County School District / 44,319 |
| 31. | 68.9% | Hardin County School District / 81,479 |
| 32. | 67.9% | Nelson County School District / 29,357 |
| 33. | 67.8% | Williamstown Independent School District / 3,579 |
| 34. | 67.6% | Raceland-Worthington Independent School District / 4,460 |
| 35. | 67.5% | Pulaski County School District for Science Hill ISD / 1,738 |
| 35. | 67.5% | Science Hill Independent School District / 1,738 |
| 37. | 67.5% | Paris Independent School District / 5,781 |
| 38. | 67.4% | Eminence Independent School District / 2,728 |
| 39. | 67.3% | Clark County School District / 35,305 |
| 40. | 66.9% | Gallatin County School District / 8,428 |
| 41. | 66.9% | Harrison County School District / 18,761 |
| 42. | 66.3% | Bourbon County School District / 14,166 |
| 43. | 66.2% | Berea Independent School District / 6,195 |
| 44. | 65.6% | Beechwood Independent School District / 5,845 |
| 45. | 65.3% | Henry County School District / 12,746 |
| 46. | 65.2% | Madison County School District / 75,385 |
| 47. | 65.1% | Mason County School District / 17,362 |
| 48. | 64.6% | Carroll County School District / 10,703 |
| 49. | 64.5% | Henderson County School District / 45,943 |
| 50. | 64.5% | Daviess County School District / 67,177 |
| 51. | 64.4% | Simpson County School District / 17,214 |
| 52. | 64.2% | Meade County School District / 23,631 |
| 53. | 64.0% | Montgomery County School District / 25,908 |
| 54. | 64.0% | Burgin Independent School District / 2,601 |
| 55. | 63.6% | Christian County School District / 59,508 |
| 56. | 63.6% | Boyle County School District / 15,009 |
| 57. | 63.2% | Owen County School District / 10,928 |
| 58. | 62.9% | Taylor County School District / 15,601 |
| 59. | 62.7% | Union County School District / 15,077 |
| 60. | 62.6% | Pendleton County School District / 14,894 |
| 61. | 62.2% | Barren County School District / 27,023 |
| 62. | 62.2% | Bowling Green Independent School District / 26,567 |
| 63. | 61.7% | Murray Independent School District / 10,779 |
| 64. | 61.4% | Ashland Independent School District / 22,024 |
| 65. | 61.1% | Boyd County School District / 23,566 |
| 66. | 61.0% | Paducah Independent School District / 20,960 |
| 67. | 60.9% | Mercer County School District / 18,671 |
| 68. | 60.8% | Garrard County School District / 16,842 |
| 69. | 60.7% | Bracken County School District / 6,769 |
| 70. | 60.6% | Barbourville Independent School District / 2,750 |
| 71. | 60.5% | Larue County School District / 14,080 |
| 72. | 60.0% | Trimble County School District / 8,872 |
| 73. | 59.7% | McCracken County School District / 44,257 |
| 74. | 59.7% | Edmonson County School District / 12,086 |
| 75. | 59.6% | Somerset Independent School District / 9,658 |
| 76. | 59.5% | Corbin Independent School District / 9,825 |
| 77. | 58.9% | Name N/A / 3,539 |
| 78. | 58.8% | Nicholas County School District / 7,136 |
| 79. | 58.1% | Hancock County School District / 8,555 |
| 80. | 57.5% | Calloway County School District / 25,984 |
| 81. | 57.3% | Dawson Springs Independent School District / 2,653 |
| 82. | 57.3% | Allen County School District / 19,688 |
| 83. | 57.1% | Laurel County School District for East Bernstadt ISD / 945 |
| 83. | 57.1% | East Bernstadt Independent School District / 945 |
| 85. | 57.1% | Glasgow Independent School District / 11,826 |
| 86. | 56.9% | Graves County School District / 27,305 |
| 87. | 56.9% | Hopkins County School District / 44,233 |
| 88. | 56.7% | Ballard County School District / 8,225 |
| 89. | 56.5% | Russell Independent School District / 12,378 |
| 90. | 56.4% | Logan County School District / 20,664 |
| 91. | 56.3% | Caldwell County School District / 12,934 |
| 92. | 56.3% | Butler County School District / 12,763 |
| 93. | 56.3% | Marshall County School District / 31,386 |
| 94. | 55.9% | Laurel County School District / 57,210 |
| 95. | 55.9% | Danville Independent School District / 13,236 |
| 96. | 55.7% | Paintsville Independent School District / 3,905 |
| 97. | 55.6% | Trigg County School District / 14,117 |
| 98. | 55.5% | Marion County School District / 19,619 |
| 99. | 55.3% | Mayfield Independent School District / 9,653 |
| 99. | 55.3% | Powell County School District / 12,786 |
| 101. | 55.1% | Bath County School District / 11,565 |
| 102. | 55.0% | Washington County School District / 11,593 |
| 103. | 54.8% | Fleming County School District / 14,318 |
| 104. | 54.7% | Augusta Independent School District / 1,710 |
| 105. | 54.3% | Grayson County School District / 25,540 |
| 106. | 54.1% | Rowan County School District / 23,075 |
| 107. | 53.8% | Lyon County School District / 8,367 |
| 108. | 53.6% | Green County School District / 11,377 |
| 109. | 53.4% | Crittenden County School District / 9,313 |
| 110. | 53.3% | Campbellsville Independent School District / 8,646 |
| 111. | 53.0% | Pulaski County School District / 50,666 |
| 112. | 53.0% | Owensboro Independent School District / 28,221 |
| 113. | 52.9% | Williamsburg Independent School District / 5,409 |
| 114. | 52.7% | Harlan Independent School District / 3,026 |
| 115. | 52.7% | Fulton County School District / 3,692 |
| 116. | 52.2% | Caverna Independent School District / 5,739 |
| 116. | 52.2% | Muhlenberg County School District / 31,541 |
| 118. | 52.2% | Hazard Independent School District / 4,834 |
| 119. | 51.8% | Breckinridge County School District / 18,430 |
| 120. | 51.8% | Lincoln County School District / 24,779 |
| 121. | 51.8% | Webster County School District / 13,734 |
| 122. | 51.7% | McLean County School District / 9,635 |
| 123. | 51.6% | Todd County School District / 12,307 |
| 124. | 51.6% | Hart County School District / 15,298 |
| 125. | 51.0% | Russellville Independent School District / 6,174 |
| 126. | 50.8% | Menifee County School District / 6,427 |
| 127. | 50.6% | Carlisle County School District / 5,126 |
| 128. | 49.9% | Ohio County School District / 23,837 |
| 129. | 49.1% | Greenup County School District / 20,124 |
| 130. | 49.1% | Lewis County School District / 13,968 |
| 131. | 49.0% | Middlesboro Independent School District / 10,405 |
| 132. | 48.9% | Metcalfe County School District / 10,130 |
| 133. | 48.8% | Hickman County School District / 4,949 |
| 133. | 48.8% | Livingston County School District / 9,514 |
| 135. | 48.7% | McCreary County School District / 18,122 |
| 136. | 48.2% | Rockcastle County School District / 17,075 |
| 137. | 48.0% | Adair County School District / 18,542 |
| 138. | 47.9% | Monticello Independent School District / 3,479 |
| 139. | 47.4% | Cloverport Independent School District / 1,463 |
| 140. | 47.1% | Estill County School District / 14,733 |
| 141. | 46.5% | Whitley County School District / 21,716 |
| 142. | 46.5% | Johnson County School District / 19,420 |
| 143. | 46.5% | Carter County School District / 27,821 |
| 144. | 46.3% | Lawrence County School District / 15,841 |
| 145. | 45.9% | Jackson County School District / 13,560 |
| 146. | 45.4% | Russell County School District / 17,445 |
| 147. | 45.3% | Monroe County School District / 11,089 |
| 148. | 44.9% | Robertson County School District / 2,278 |
| 149. | 43.9% | Casey County School District / 15,939 |
| 150. | 43.6% | Fort Knox Dependent Schools / 13,281 |
| 151. | 43.3% | Morgan County School District / 14,055 |
| 152. | 43.2% | Cumberland County School District / 6,931 |
| 153. | 42.9% | Knox County School District / 28,071 |
| 154. | 42.5% | Pikeville Independent School District / 6,629 |
| 155. | 41.4% | Floyd County School District / 39,949 |
| 156. | 40.7% | Pike County School District / 58,680 |
| 157. | 40.7% | Jackson Independent School District / 1,116 |
| 158. | 40.2% | Elizabethtown Independent School District for West Point ISD / 856 |
| 158. | 40.2% | West Point Independent School District / 856 |
| 160. | 40.0% | Clay County School District / 22,197 |
| 160. | 40.0% | Knott County School District / 16,587 |
| 162. | 39.5% | Bell County School District / 15,935 |
| 163. | 38.8% | Fairview Independent School District / 3,740 |
| 164. | 38.5% | Wolfe County School District / 7,315 |
| 165. | 38.2% | Owsley County School District / 4,742 |
| 166. | 38.0% | Perry County School District / 23,905 |
| 167. | 37.9% | Clinton County School District / 10,161 |
| 168. | 37.7% | Wayne County School District / 17,237 |
| 169. | 37.6% | Lee County School District / 7,865 |
| 170. | 37.0% | Pineville Independent School District / 2,453 |
| 171. | 36.0% | Letcher County School District / 20,918 |
| 172. | 35.5% | Elliott County School District / 7,493 |
| 173. | 35.4% | Leslie County School District / 11,470 |
| 174. | 35.1% | Martin County School District / 13,138 |
| 175. | 34.3% | Harlan County School District / 26,662 |
| 176. | 33.5% | Jenkins Independent School District / 3,544 |
| 177. | 33.3% | Fulton Independent School District / 3,166 |
| 178. | 30.0% | Magoffin County School District / 13,294 |
| 179. | 25.2% | Breathitt County School District / 13,086 |
Please note that we only rank locations with 'Owner Occupied Housing Units with Mortgage Percentage' data. The rank above might not be a complete list. Locations without 'Owner Occupied Housing Units with Mortgage Percentage' 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.
