| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 30-40% of Owner Income ▼ | School District / Population |
| 1. | 25.0% | Wolfe County School District / 7,080 |
| 2. | 20.4% | Barbourville Independent School District / 2,800 |
| 3. | 20.4% | Dayton Independent School District / 5,490 |
| 4. | 18.9% | Monticello Independent School District / 3,789 |
| 5. | 18.9% | Frankfort Independent School District / 5,008 |
| 6. | 18.9% | Washington County School District / 11,365 |
| 7. | 18.4% | Williamstown Independent School District / 3,030 |
| 8. | 18.2% | Mercer County School District / 19,150 |
| 9. | 18.0% | Grant County School District / 22,058 |
| 10. | 17.7% | Russellville Independent School District / 6,399 |
| 11. | 17.5% | Lyon County School District / 8,325 |
| 12. | 17.5% | Owsley County School District / 4,648 |
| 13. | 17.2% | Ludlow Independent School District / 5,506 |
| 14. | 17.1% | Southgate Independent School District / 3,301 |
| 15. | 17.1% | Nicholas County School District / 6,921 |
| 16. | 17.1% | Elizabethtown Independent School District for West Point ISD / 938 |
| 16. | 17.1% | West Point Independent School District / 938 |
| 18. | 17.0% | Elliott County School District / 8,291 |
| 19. | 16.7% | Rockcastle County School District / 16,560 |
| 19. | 16.7% | Bath County School District / 11,597 |
| 21. | 16.6% | Beechwood Independent School District / 5,437 |
| 22. | 16.5% | Henry County School District / 12,580 |
| 23. | 16.2% | Bardstown Independent School District / 12,271 |
| 24. | 16.1% | McCreary County School District / 18,199 |
| 25. | 15.8% | Marion County School District / 19,245 |
| 26. | 15.5% | Walton-Verona Independent School District / 5,981 |
| 27. | 15.3% | Caldwell County School District / 12,822 |
| 28. | 15.3% | Hazard Independent School District / 4,668 |
| 29. | 15.2% | Lee County School District / 7,427 |
| 30. | 15.2% | Spencer County School District / 16,707 |
| 31. | 14.8% | Montgomery County School District / 25,093 |
| 32. | 14.7% | Robertson County School District / 2,234 |
| 33. | 14.7% | Shelby County School District / 40,322 |
| 34. | 14.7% | Jenkins Independent School District / 3,429 |
| 35. | 14.7% | Marshall County School District / 31,075 |
| 36. | 14.6% | Leslie County School District / 11,674 |
| 37. | 14.3% | Breathitt County School District / 14,283 |
| 38. | 14.3% | Danville Independent School District / 13,123 |
| 39. | 14.2% | Fleming County School District / 14,604 |
| 40. | 14.2% | Floyd County School District / 41,965 |
| 41. | 14.1% | Bourbon County School District / 14,390 |
| 42. | 14.0% | Paducah Independent School District / 21,627 |
| 43. | 14.0% | Powell County School District / 13,589 |
| 44. | 13.9% | Berea Independent School District / 6,584 |
| 45. | 13.8% | Magoffin County School District / 13,132 |
| 46. | 13.7% | Trigg County School District / 13,231 |
| 47. | 13.7% | Owensboro Independent School District / 27,670 |
| 48. | 13.7% | Hart County School District / 15,475 |
| 49. | 13.6% | Gallatin County School District / 8,090 |
| 50. | 13.6% | Grayson County School District / 25,320 |
| 51. | 13.5% | Covington Independent School District / 34,798 |
| 52. | 13.5% | Glasgow Independent School District / 12,140 |
| 53. | 13.5% | Larue County School District / 13,579 |
| 54. | 13.4% | Owen County School District / 11,295 |
| 55. | 13.4% | Bullitt County School District / 73,528 |
| 56. | 13.3% | Anchorage Independent School District / 2,980 |
| 57. | 13.3% | Breckinridge County School District / 17,642 |
| 58. | 13.3% | Nelson County School District / 30,071 |
| 58. | 13.3% | Jessamine County School District / 45,551 |
| 60. | 13.2% | Barren County School District / 26,114 |
| 60. | 13.2% | Cumberland County School District / 6,832 |
| 62. | 13.1% | Corbin Independent School District / 11,634 |
| 63. | 13.1% | Estill County School District / 14,880 |
| 64. | 13.1% | Name N/A / 3,742 |
| 65. | 13.1% | Edmonson County School District / 11,941 |
| 66. | 13.1% | Metcalfe County School District / 10,115 |
| 66. | 13.1% | Calloway County School District / 25,859 |
| 68. | 13.0% | Adair County School District / 17,872 |
| 69. | 13.0% | Pulaski County School District for Science Hill ISD / 1,728 |
| 69. | 13.0% | Science Hill Independent School District / 1,728 |
| 71. | 13.0% | Jefferson County School District / 708,337 |
| 72. | 12.9% | Bellevue Independent School District / 5,912 |
| 73. | 12.8% | Clay County School District / 23,792 |
| 74. | 12.8% | Lewis County School District / 13,840 |
| 75. | 12.8% | Fulton Independent School District / 3,176 |
| 76. | 12.5% | Boone County School District / 106,533 |
| 77. | 12.4% | Mayfield Independent School District / 9,622 |
| 78. | 12.4% | Graves County School District / 27,894 |
| 79. | 12.4% | Garrard County School District / 16,829 |
| 80. | 12.3% | Lincoln County School District / 25,076 |
| 81. | 12.2% | Logan County School District / 20,641 |
| 81. | 12.2% | Fayette County School District / 287,537 |
| 81. | 12.2% | Silver Grove Independent School District / 1,531 |
| 84. | 12.2% | Oldham County School District / 56,194 |
| 85. | 12.2% | Kenton County School District / 94,251 |
| 86. | 12.1% | Burgin Independent School District / 2,584 |
| 86. | 12.1% | Dawson Springs Independent School District / 2,721 |
| 88. | 12.1% | Menifee County School District / 6,687 |
| 89. | 12.0% | Pendleton County School District / 14,951 |
| 90. | 11.9% | Campbell County School District / 39,942 |
| 91. | 11.9% | Hardin County School District / 79,406 |
| 92. | 11.8% | Jackson County School District / 13,399 |
| 93. | 11.8% | Letcher County School District / 20,486 |
| 94. | 11.8% | Fairview Independent School District / 3,492 |
| 95. | 11.7% | Elizabethtown Independent School District / 9,784 |
| 96. | 11.6% | Henderson County School District / 45,274 |
| 97. | 11.6% | Boyle County School District / 15,791 |
| 98. | 11.6% | Warren County School District / 79,493 |
| 99. | 11.5% | Newport Independent School District / 15,989 |
| 100. | 11.5% | Todd County School District / 12,043 |
| 101. | 11.5% | Pike County School District / 59,320 |
| 102. | 11.5% | Morgan County School District / 14,204 |
| 103. | 11.4% | Meade County School District / 23,198 |
| 104. | 11.4% | McLean County School District / 9,690 |
| 105. | 11.3% | Daviess County School District / 66,305 |
| 106. | 11.2% | Martin County School District / 13,300 |
| 107. | 11.1% | Erlanger-Elsmere Independent School District / 16,407 |
| 108. | 11.1% | Pulaski County School District / 47,876 |
| 109. | 11.1% | Carlisle County School District / 5,205 |
| 110. | 11.0% | Madison County School District / 74,750 |
| 111. | 10.9% | Mason County School District / 17,174 |
| 112. | 10.8% | Laurel County School District for East Bernstadt ISD / 1,076 |
| 112. | 10.8% | East Bernstadt Independent School District / 1,076 |
| 114. | 10.7% | Muhlenberg County School District / 31,378 |
| 115. | 10.6% | Williamsburg Independent School District / 5,432 |
| 115. | 10.6% | Laurel County School District / 55,947 |
| 117. | 10.6% | Hopkins County School District / 43,513 |
| 117. | 10.6% | Clark County School District / 35,481 |
| 119. | 10.6% | Eminence Independent School District / 3,262 |
| 119. | 10.6% | Cloverport Independent School District / 1,415 |
| 121. | 10.6% | Middlesboro Independent School District / 9,899 |
| 122. | 10.5% | Carter County School District / 27,160 |
| 123. | 10.4% | Clinton County School District / 9,443 |
| 124. | 10.4% | Union County School District / 15,158 |
| 125. | 10.4% | Lawrence County School District / 16,338 |
| 126. | 10.4% | Caverna Independent School District / 5,512 |
| 127. | 10.2% | Johnson County School District / 20,083 |
| 128. | 10.2% | Fort Thomas Independent School District / 15,344 |
| 128. | 10.2% | Ashland Independent School District / 21,701 |
| 130. | 10.2% | Boyd County School District / 23,476 |
| 131. | 10.2% | Taylor County School District / 15,470 |
| 132. | 10.2% | Franklin County School District / 43,658 |
| 133. | 10.1% | Rowan County School District / 22,549 |
| 134. | 10.1% | Ballard County School District / 8,181 |
| 135. | 10.0% | Crittenden County School District / 9,108 |
| 136. | 9.9% | Bowling Green Independent School District / 25,001 |
| 137. | 9.9% | Anderson County School District / 21,122 |
| 138. | 9.8% | Allen County School District / 18,799 |
| 139. | 9.8% | Campbellsville Independent School District / 8,633 |
| 140. | 9.5% | Christian County School District / 65,585 |
| 141. | 9.5% | Russell County School District / 17,127 |
| 142. | 9.4% | Harlan County School District / 27,767 |
| 143. | 9.4% | Russell Independent School District / 12,698 |
| 144. | 9.4% | Butler County School District / 13,337 |
| 145. | 9.2% | Knox County School District / 28,014 |
| 146. | 9.2% | Harrison County School District / 18,531 |
| 147. | 9.2% | Augusta Independent School District / 1,594 |
| 148. | 9.0% | Woodford County School District / 24,482 |
| 149. | 8.9% | Ohio County School District / 23,498 |
| 150. | 8.9% | Casey County School District / 16,306 |
| 151. | 8.8% | Bell County School District / 16,806 |
| 152. | 8.8% | Scott County School District / 42,874 |
| 153. | 8.8% | Knott County School District / 17,197 |
| 154. | 8.6% | Perry County School District / 24,467 |
| 155. | 8.5% | Webster County School District / 13,829 |
| 156. | 8.4% | Monroe County School District / 11,650 |
| 157. | 8.3% | Whitley County School District / 22,703 |
| 158. | 8.0% | Murray Independent School District / 10,177 |
| 159. | 8.0% | Trimble County School District / 8,930 |
| 160. | 7.9% | Fulton County School District / 3,742 |
| 161. | 7.7% | Greenup County School District / 20,196 |
| 162. | 7.6% | Somerset Independent School District / 10,333 |
| 163. | 7.1% | Bracken County School District / 7,024 |
| 164. | 6.7% | Carroll County School District / 10,536 |
| 165. | 6.6% | Livingston County School District / 9,609 |
| 166. | 6.5% | Raceland-Worthington Independent School District / 4,623 |
| 167. | 6.4% | Paris Independent School District / 5,278 |
| 168. | 6.3% | Green County School District / 11,513 |
| 169. | 5.8% | Hickman County School District / 4,923 |
| 170. | 5.7% | McCracken County School District / 43,432 |
| 171. | 5.7% | Wayne County School District / 16,786 |
| 172. | 4.9% | Harlan Independent School District / 3,232 |
| 172. | 4.9% | Pikeville Independent School District / 6,204 |
| 174. | 4.7% | Pineville Independent School District / 2,388 |
| 175. | 4.6% | Hancock County School District / 8,601 |
| 176. | 4.3% | Simpson County School District / 17,001 |
| 176. | 4.3% | Fort Knox Dependent Schools / 12,017 |
| 178. | 3.4% | Paintsville Independent School District / 3,754 |
| 179. | 3.1% | Jackson Independent School District / 1,358 |
Please note that we only rank locations with 'Percentage of Houses with a Mortgage where Total Holding Costs 30-40% 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 30-40% 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.
