| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 35.3% | Harlan Independent School District / 3,026 |
| 2. | 34.2% | Jackson County School District / 13,560 |
| 3. | 31.4% | Berea Independent School District / 6,195 |
| 4. | 29.0% | Wolfe County School District / 7,315 |
| 5. | 28.5% | Monroe County School District / 11,089 |
| 6. | 28.4% | Clay County School District / 22,197 |
| 7. | 28.3% | Jenkins Independent School District / 3,544 |
| 8. | 28.3% | Breathitt County School District / 13,086 |
| 9. | 28.2% | Anchorage Independent School District / 2,552 |
| 10. | 27.8% | McCreary County School District / 18,122 |
| 11. | 27.7% | Mayfield Independent School District / 9,653 |
| 12. | 26.8% | Bath County School District / 11,565 |
| 13. | 26.6% | Lewis County School District / 13,968 |
| 14. | 26.4% | Owsley County School District / 4,742 |
| 15. | 26.2% | Russell County School District / 17,445 |
| 16. | 25.8% | Knox County School District / 28,071 |
| 17. | 25.7% | Clinton County School District / 10,161 |
| 18. | 25.0% | Pikeville Independent School District / 6,629 |
| 19. | 24.5% | Whitley County School District / 21,716 |
| 20. | 24.3% | Dayton Independent School District / 5,390 |
| 21. | 24.3% | Estill County School District / 14,733 |
| 22. | 23.8% | Augusta Independent School District / 1,710 |
| 23. | 23.5% | Pineville Independent School District / 2,453 |
| 24. | 23.3% | Logan County School District / 20,664 |
| 25. | 23.0% | Fleming County School District / 14,318 |
| 26. | 22.8% | Eminence Independent School District / 2,728 |
| 27. | 22.6% | Todd County School District / 12,307 |
| 28. | 22.5% | Frankfort Independent School District / 4,748 |
| 29. | 22.4% | Middlesboro Independent School District / 10,405 |
| 29. | 22.4% | Leslie County School District / 11,470 |
| 31. | 22.3% | Carlisle County School District / 5,126 |
| 32. | 21.9% | Henry County School District / 12,746 |
| 33. | 21.7% | Taylor County School District / 15,601 |
| 34. | 21.6% | Russellville Independent School District / 6,174 |
| 35. | 21.5% | Butler County School District / 12,763 |
| 36. | 21.2% | Floyd County School District / 39,949 |
| 37. | 21.0% | Crittenden County School District / 9,313 |
| 37. | 21.0% | Barbourville Independent School District / 2,750 |
| 39. | 20.7% | Jackson Independent School District / 1,116 |
| 40. | 20.4% | Muhlenberg County School District / 31,541 |
| 41. | 20.4% | Johnson County School District / 19,420 |
| 42. | 20.3% | Adair County School District / 18,542 |
| 43. | 20.3% | Paducah Independent School District / 20,960 |
| 44. | 20.0% | Wayne County School District / 17,237 |
| 45. | 19.9% | Livingston County School District / 9,514 |
| 46. | 19.8% | Perry County School District / 23,905 |
| 47. | 19.6% | Carroll County School District / 10,703 |
| 48. | 19.4% | Elizabethtown Independent School District for West Point ISD / 856 |
| 48. | 19.4% | West Point Independent School District / 856 |
| 50. | 19.4% | Cumberland County School District / 6,931 |
| 50. | 19.4% | Knott County School District / 16,587 |
| 52. | 19.4% | Lee County School District / 7,865 |
| 53. | 19.2% | Grayson County School District / 25,540 |
| 54. | 19.0% | Carter County School District / 27,821 |
| 55. | 19.0% | Trigg County School District / 14,117 |
| 56. | 19.0% | Williamstown Independent School District / 3,579 |
| 57. | 19.0% | Allen County School District / 19,688 |
| 58. | 18.9% | Walton-Verona Independent School District / 5,966 |
| 59. | 18.8% | Pendleton County School District / 14,894 |
| 60. | 18.8% | Fulton Independent School District / 3,166 |
| 61. | 18.7% | Bracken County School District / 6,769 |
| 62. | 18.7% | Christian County School District / 59,508 |
| 63. | 18.7% | Casey County School District / 15,939 |
| 64. | 18.5% | Greenup County School District / 20,124 |
| 65. | 18.4% | Magoffin County School District / 13,294 |
| 66. | 18.4% | Larue County School District / 14,080 |
| 67. | 18.3% | Williamsburg Independent School District / 5,409 |
| 68. | 18.3% | Elizabethtown Independent School District / 10,536 |
| 69. | 18.0% | Rockcastle County School District / 17,075 |
| 70. | 17.9% | Breckinridge County School District / 18,430 |
| 71. | 17.9% | Laurel County School District for East Bernstadt ISD / 945 |
| 71. | 17.9% | East Bernstadt Independent School District / 945 |
| 73. | 17.9% | Bellevue Independent School District / 6,006 |
| 73. | 17.9% | Meade County School District / 23,631 |
| 75. | 17.8% | Covington Independent School District / 33,071 |
| 76. | 17.7% | Bowling Green Independent School District / 26,567 |
| 77. | 17.5% | Southgate Independent School District / 3,704 |
| 78. | 17.5% | Menifee County School District / 6,427 |
| 79. | 17.4% | Graves County School District / 27,305 |
| 80. | 17.3% | Pulaski County School District / 50,666 |
| 81. | 17.3% | Grant County School District / 21,025 |
| 82. | 17.2% | Elliott County School District / 7,493 |
| 83. | 17.2% | Corbin Independent School District / 9,825 |
| 84. | 17.0% | Ohio County School District / 23,837 |
| 85. | 16.9% | Paris Independent School District / 5,781 |
| 86. | 16.8% | Ballard County School District / 8,225 |
| 87. | 16.8% | Hart County School District / 15,298 |
| 88. | 16.8% | Caldwell County School District / 12,934 |
| 89. | 16.7% | Fort Knox Dependent Schools / 13,281 |
| 90. | 16.6% | Lincoln County School District / 24,779 |
| 91. | 16.6% | Glasgow Independent School District / 11,826 |
| 92. | 16.5% | Gallatin County School District / 8,428 |
| 92. | 16.5% | Newport Independent School District / 15,603 |
| 94. | 16.5% | Jefferson County School District / 726,900 |
| 95. | 16.4% | Bourbon County School District / 14,166 |
| 96. | 16.4% | Harlan County School District / 26,662 |
| 97. | 16.3% | Laurel County School District / 57,210 |
| 97. | 16.3% | Webster County School District / 13,734 |
| 99. | 16.3% | Metcalfe County School District / 10,130 |
| 100. | 16.0% | Woodford County School District / 24,523 |
| 101. | 16.0% | Jessamine County School District / 47,073 |
| 102. | 15.9% | Harrison County School District / 18,761 |
| 103. | 15.9% | Powell County School District / 12,786 |
| 104. | 15.8% | Morgan County School District / 14,055 |
| 105. | 15.8% | Hopkins County School District / 44,233 |
| 106. | 15.7% | Owensboro Independent School District / 28,221 |
| 107. | 15.6% | Mason County School District / 17,362 |
| 108. | 15.6% | Montgomery County School District / 25,908 |
| 109. | 15.5% | Simpson County School District / 17,214 |
| 110. | 15.4% | Bullitt County School District / 72,515 |
| 111. | 15.4% | Murray Independent School District / 10,779 |
| 112. | 15.3% | Rowan County School District / 23,075 |
| 113. | 15.3% | Edmonson County School District / 12,086 |
| 114. | 15.2% | Nicholas County School District / 7,136 |
| 114. | 15.2% | Bell County School District / 15,935 |
| 116. | 15.1% | Garrard County School District / 16,842 |
| 117. | 15.0% | Erlanger-Elsmere Independent School District / 17,077 |
| 118. | 15.0% | Pike County School District / 58,680 |
| 119. | 15.0% | Paintsville Independent School District / 3,905 |
| 120. | 14.8% | Burgin Independent School District / 2,601 |
| 121. | 14.5% | Danville Independent School District / 13,236 |
| 122. | 14.5% | Letcher County School District / 20,918 |
| 123. | 14.3% | Fayette County School District / 288,045 |
| 124. | 14.3% | Trimble County School District / 8,872 |
| 125. | 14.2% | Barren County School District / 27,023 |
| 125. | 14.2% | Bardstown Independent School District / 13,166 |
| 127. | 14.1% | Shelby County School District / 40,899 |
| 128. | 14.1% | Campbellsville Independent School District / 8,646 |
| 129. | 14.0% | Name N/A / 3,539 |
| 130. | 13.8% | Nelson County School District / 29,357 |
| 131. | 13.8% | Ludlow Independent School District / 4,960 |
| 132. | 13.7% | Monticello Independent School District / 3,479 |
| 133. | 13.7% | Spencer County School District / 16,582 |
| 134. | 13.6% | Madison County School District / 75,385 |
| 134. | 13.6% | Dawson Springs Independent School District / 2,653 |
| 136. | 13.5% | Union County School District / 15,077 |
| 137. | 13.3% | Oldham County School District / 58,784 |
| 138. | 13.3% | Lyon County School District / 8,367 |
| 139. | 13.1% | Warren County School District / 83,208 |
| 140. | 13.0% | Marion County School District / 19,619 |
| 141. | 12.9% | Robertson County School District / 2,278 |
| 142. | 12.6% | Silver Grove Independent School District / 1,569 |
| 143. | 12.5% | McCracken County School District / 44,257 |
| 144. | 12.5% | Hancock County School District / 8,555 |
| 145. | 12.5% | Martin County School District / 13,138 |
| 146. | 12.4% | Clark County School District / 35,305 |
| 147. | 12.4% | Henderson County School District / 45,943 |
| 148. | 12.3% | Daviess County School District / 67,177 |
| 149. | 12.3% | Lawrence County School District / 15,841 |
| 150. | 12.3% | Green County School District / 11,377 |
| 151. | 12.3% | Boyd County School District / 23,566 |
| 152. | 12.3% | Kenton County School District / 97,081 |
| 153. | 12.2% | Boyle County School District / 15,009 |
| 153. | 12.2% | Fort Thomas Independent School District / 16,172 |
| 155. | 12.0% | Raceland-Worthington Independent School District / 4,460 |
| 156. | 11.9% | Calloway County School District / 25,984 |
| 157. | 11.9% | Boone County School District / 108,757 |
| 158. | 11.7% | Campbell County School District / 40,572 |
| 159. | 11.6% | Fulton County School District / 3,692 |
| 160. | 11.6% | Hardin County School District / 81,479 |
| 161. | 11.5% | Franklin County School District / 44,319 |
| 162. | 11.3% | Scott County School District / 44,868 |
| 163. | 11.3% | Marshall County School District / 31,386 |
| 164. | 11.0% | Science Hill Independent School District / 1,738 |
| 164. | 11.0% | Pulaski County School District for Science Hill ISD / 1,738 |
| 166. | 11.0% | Russell Independent School District / 12,378 |
| 167. | 11.0% | Anderson County School District / 21,080 |
| 168. | 10.9% | Mercer County School District / 18,671 |
| 169. | 10.9% | McLean County School District / 9,635 |
| 170. | 10.9% | Owen County School District / 10,928 |
| 171. | 10.8% | Hickman County School District / 4,949 |
| 172. | 10.7% | Hazard Independent School District / 4,834 |
| 173. | 10.5% | Caverna Independent School District / 5,739 |
| 174. | 10.5% | Washington County School District / 11,593 |
| 175. | 10.0% | Somerset Independent School District / 9,658 |
| 176. | 9.2% | Ashland Independent School District / 22,024 |
| 177. | 8.7% | Beechwood Independent School District / 5,845 |
| 178. | 5.6% | Cloverport Independent School District / 1,463 |
| 179. | 3.2% | Fairview Independent School District / 3,740 |
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.
