| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 10-20% of Owner Income ▼ | School District / Population |
| 1. | 60.3% | Southgate Independent School District / 3,301 |
| 2. | 56.9% | Barbourville Independent School District / 2,800 |
| 3. | 53.4% | Russellville Independent School District / 6,399 |
| 4. | 48.9% | Silver Grove Independent School District / 1,531 |
| 5. | 45.0% | Fulton Independent School District / 3,176 |
| 6. | 43.1% | Monticello Independent School District / 3,789 |
| 7. | 40.9% | Eminence Independent School District / 3,262 |
| 8. | 40.4% | Corbin Independent School District / 11,634 |
| 9. | 40.3% | Webster County School District / 13,829 |
| 10. | 40.0% | Fort Thomas Independent School District / 15,344 |
| 11. | 39.1% | Middlesboro Independent School District / 9,899 |
| 12. | 38.7% | Dayton Independent School District / 5,490 |
| 13. | 38.7% | Elizabethtown Independent School District / 9,784 |
| 14. | 37.7% | Butler County School District / 13,337 |
| 15. | 37.6% | Fulton County School District / 3,742 |
| 16. | 37.4% | Martin County School District / 13,300 |
| 17. | 37.1% | McLean County School District / 9,690 |
| 17. | 37.1% | Russell Independent School District / 12,698 |
| 19. | 36.8% | Anchorage Independent School District / 2,980 |
| 20. | 36.8% | Bath County School District / 11,597 |
| 21. | 36.3% | Williamsburg Independent School District / 5,432 |
| 22. | 36.1% | Science Hill Independent School District / 1,728 |
| 22. | 36.1% | Pulaski County School District for Science Hill ISD / 1,728 |
| 24. | 35.7% | Bellevue Independent School District / 5,912 |
| 25. | 35.5% | Fairview Independent School District / 3,492 |
| 26. | 35.5% | Cloverport Independent School District / 1,415 |
| 27. | 35.1% | Campbellsville Independent School District / 8,633 |
| 28. | 35.1% | Leslie County School District / 11,674 |
| 29. | 34.9% | Allen County School District / 18,799 |
| 30. | 34.5% | Johnson County School District / 20,083 |
| 31. | 34.2% | Nicholas County School District / 6,921 |
| 32. | 34.2% | Trigg County School District / 13,231 |
| 33. | 34.1% | Caverna Independent School District / 5,512 |
| 33. | 34.1% | Magoffin County School District / 13,132 |
| 35. | 33.8% | Bullitt County School District / 73,528 |
| 36. | 33.8% | Garrard County School District / 16,829 |
| 37. | 33.8% | Owsley County School District / 4,648 |
| 38. | 33.7% | Estill County School District / 14,880 |
| 39. | 33.6% | Lee County School District / 7,427 |
| 40. | 33.5% | Madison County School District / 74,750 |
| 41. | 33.5% | Mayfield Independent School District / 9,622 |
| 42. | 33.3% | Ashland Independent School District / 21,701 |
| 43. | 33.2% | Christian County School District / 65,585 |
| 44. | 32.9% | Nelson County School District / 30,071 |
| 44. | 32.9% | Calloway County School District / 25,859 |
| 46. | 32.9% | Somerset Independent School District / 10,333 |
| 47. | 32.9% | Ludlow Independent School District / 5,506 |
| 48. | 32.9% | Harlan Independent School District / 3,232 |
| 49. | 32.8% | Knox County School District / 28,014 |
| 50. | 32.6% | Grayson County School District / 25,320 |
| 51. | 32.6% | Mason County School District / 17,174 |
| 52. | 32.6% | Monroe County School District / 11,650 |
| 53. | 32.4% | Name N/A / 3,742 |
| 54. | 32.2% | Mercer County School District / 19,150 |
| 54. | 32.2% | Campbell County School District / 39,942 |
| 56. | 32.1% | Jefferson County School District / 708,337 |
| 57. | 32.1% | Boyle County School District / 15,791 |
| 58. | 32.0% | Whitley County School District / 22,703 |
| 58. | 32.0% | Carroll County School District / 10,536 |
| 60. | 31.9% | Bracken County School District / 7,024 |
| 61. | 31.8% | Erlanger-Elsmere Independent School District / 16,407 |
| 62. | 31.7% | Caldwell County School District / 12,822 |
| 63. | 31.7% | Jenkins Independent School District / 3,429 |
| 64. | 31.6% | Owensboro Independent School District / 27,670 |
| 65. | 31.6% | Carlisle County School District / 5,205 |
| 66. | 31.4% | Floyd County School District / 41,965 |
| 67. | 31.3% | East Bernstadt Independent School District / 1,076 |
| 67. | 31.3% | Laurel County School District for East Bernstadt ISD / 1,076 |
| 69. | 31.3% | Rowan County School District / 22,549 |
| 70. | 31.2% | Knott County School District / 17,197 |
| 71. | 31.1% | Clark County School District / 35,481 |
| 71. | 31.1% | Glasgow Independent School District / 12,140 |
| 73. | 31.0% | Robertson County School District / 2,234 |
| 74. | 30.9% | Covington Independent School District / 34,798 |
| 75. | 30.7% | Bowling Green Independent School District / 25,001 |
| 76. | 30.7% | Breathitt County School District / 14,283 |
| 77. | 30.7% | Carter County School District / 27,160 |
| 78. | 30.6% | Shelby County School District / 40,322 |
| 79. | 30.4% | Rockcastle County School District / 16,560 |
| 80. | 30.4% | Ohio County School District / 23,498 |
| 81. | 30.3% | Harlan County School District / 27,767 |
| 82. | 30.1% | Boyd County School District / 23,476 |
| 83. | 30.1% | Pineville Independent School District / 2,388 |
| 84. | 30.0% | Newport Independent School District / 15,989 |
| 85. | 29.9% | Laurel County School District / 55,947 |
| 86. | 29.8% | Green County School District / 11,513 |
| 87. | 29.7% | Metcalfe County School District / 10,115 |
| 87. | 29.7% | Hopkins County School District / 43,513 |
| 89. | 29.6% | Spencer County School District / 16,707 |
| 90. | 29.6% | Logan County School District / 20,641 |
| 91. | 29.6% | Powell County School District / 13,589 |
| 92. | 29.6% | Bell County School District / 16,806 |
| 93. | 29.3% | Jackson County School District / 13,399 |
| 94. | 29.3% | Bardstown Independent School District / 12,271 |
| 95. | 29.3% | Todd County School District / 12,043 |
| 96. | 29.3% | Marion County School District / 19,245 |
| 97. | 29.1% | Simpson County School District / 17,001 |
| 98. | 29.1% | Greenup County School District / 20,196 |
| 99. | 29.1% | Lewis County School District / 13,840 |
| 100. | 29.0% | Edmonson County School District / 11,941 |
| 101. | 29.0% | Fleming County School District / 14,604 |
| 102. | 28.9% | Marshall County School District / 31,075 |
| 103. | 28.9% | Larue County School District / 13,579 |
| 104. | 28.8% | Boone County School District / 106,533 |
| 105. | 28.8% | Pulaski County School District / 47,876 |
| 106. | 28.6% | Elizabethtown Independent School District for West Point ISD / 938 |
| 106. | 28.6% | West Point Independent School District / 938 |
| 108. | 28.6% | Wolfe County School District / 7,080 |
| 109. | 28.5% | Franklin County School District / 43,658 |
| 110. | 28.5% | Muhlenberg County School District / 31,378 |
| 111. | 28.5% | Oldham County School District / 56,194 |
| 112. | 28.4% | Meade County School District / 23,198 |
| 113. | 28.4% | Pike County School District / 59,320 |
| 114. | 28.3% | Montgomery County School District / 25,093 |
| 115. | 28.3% | Jessamine County School District / 45,551 |
| 116. | 28.2% | Union County School District / 15,158 |
| 117. | 28.1% | Elliott County School District / 8,291 |
| 118. | 28.1% | Williamstown Independent School District / 3,030 |
| 119. | 28.0% | Ballard County School District / 8,181 |
| 120. | 28.0% | Cumberland County School District / 6,832 |
| 121. | 27.8% | Graves County School District / 27,894 |
| 122. | 27.7% | Lawrence County School District / 16,338 |
| 123. | 27.5% | Danville Independent School District / 13,123 |
| 124. | 27.4% | Warren County School District / 79,493 |
| 125. | 27.4% | Woodford County School District / 24,482 |
| 126. | 27.2% | Fayette County School District / 287,537 |
| 127. | 27.2% | Menifee County School District / 6,687 |
| 128. | 27.2% | Russell County School District / 17,127 |
| 128. | 27.2% | Hart County School District / 15,475 |
| 130. | 27.1% | Hardin County School District / 79,406 |
| 131. | 27.1% | Hazard Independent School District / 4,668 |
| 132. | 27.1% | Adair County School District / 17,872 |
| 133. | 26.9% | Daviess County School District / 66,305 |
| 134. | 26.8% | Clay County School District / 23,792 |
| 135. | 26.6% | Barren County School District / 26,114 |
| 136. | 26.6% | Harrison County School District / 18,531 |
| 137. | 26.5% | Trimble County School District / 8,930 |
| 138. | 26.4% | Pendleton County School District / 14,951 |
| 139. | 26.2% | Dawson Springs Independent School District / 2,721 |
| 140. | 26.2% | McCreary County School District / 18,199 |
| 141. | 26.1% | Walton-Verona Independent School District / 5,981 |
| 142. | 26.0% | Raceland-Worthington Independent School District / 4,623 |
| 143. | 25.5% | Morgan County School District / 14,204 |
| 144. | 25.3% | Anderson County School District / 21,122 |
| 145. | 25.3% | Paducah Independent School District / 21,627 |
| 146. | 25.3% | Casey County School District / 16,306 |
| 147. | 25.2% | Washington County School District / 11,365 |
| 148. | 25.1% | Clinton County School District / 9,443 |
| 149. | 25.1% | Paris Independent School District / 5,278 |
| 150. | 24.9% | Owen County School District / 11,295 |
| 151. | 24.8% | Taylor County School District / 15,470 |
| 152. | 24.7% | Lyon County School District / 8,325 |
| 153. | 24.6% | Hickman County School District / 4,923 |
| 154. | 24.5% | Henderson County School District / 45,274 |
| 155. | 24.4% | Letcher County School District / 20,486 |
| 156. | 24.3% | Hancock County School District / 8,601 |
| 157. | 24.3% | McCracken County School District / 43,432 |
| 158. | 24.2% | Murray Independent School District / 10,177 |
| 159. | 24.1% | Perry County School District / 24,467 |
| 160. | 24.1% | Kenton County School District / 94,251 |
| 161. | 24.1% | Augusta Independent School District / 1,594 |
| 162. | 24.1% | Beechwood Independent School District / 5,437 |
| 163. | 23.9% | Bourbon County School District / 14,390 |
| 164. | 23.9% | Livingston County School District / 9,609 |
| 165. | 23.8% | Lincoln County School District / 25,076 |
| 166. | 23.2% | Henry County School District / 12,580 |
| 167. | 22.7% | Grant County School District / 22,058 |
| 168. | 21.6% | Crittenden County School District / 9,108 |
| 169. | 21.1% | Gallatin County School District / 8,090 |
| 170. | 20.3% | Breckinridge County School District / 17,642 |
| 171. | 19.8% | Fort Knox Dependent Schools / 12,017 |
| 172. | 19.0% | Paintsville Independent School District / 3,754 |
| 173. | 18.3% | Pikeville Independent School District / 6,204 |
| 174. | 18.0% | Scott County School District / 42,874 |
| 175. | 16.8% | Wayne County School District / 16,786 |
| 176. | 15.0% | Burgin Independent School District / 2,584 |
| 177. | 11.7% | Jackson Independent School District / 1,358 |
| 178. | 11.5% | Berea Independent School District / 6,584 |
| 179. | 10.8% | Frankfort Independent School District / 5,008 |
Please note that we only rank locations with 'Percentage of Houses without a Mortgage where Total Holding Costs 10-20% of Owner Income' data. The rank above might not be a complete list. Locations without 'Percentage of Houses without a Mortgage where Total Holding Costs 10-20% 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.
