| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 10-20% of Owner Income ▼ | School District / Population |
| 1. | 58.8% | Fulton Independent School District / 2,854 |
| 2. | 54.3% | Barbourville Independent School District / 2,672 |
| 3. | 50.4% | Gallatin County School District / 8,513 |
| 4. | 47.9% | Russellville Independent School District / 5,915 |
| 5. | 46.6% | Bellevue Independent School District / 5,838 |
| 6. | 43.0% | Southgate Independent School District / 3,660 |
| 7. | 42.5% | Fairview Independent School District / 3,661 |
| 8. | 42.3% | Cumberland County School District / 6,857 |
| 9. | 41.3% | Silver Grove Independent School District / 1,856 |
| 10. | 40.9% | Newport Independent School District / 15,613 |
| 11. | 40.2% | Glasgow Independent School District / 12,223 |
| 12. | 39.6% | Bracken County School District / 6,954 |
| 13. | 39.3% | Berea Independent School District / 7,062 |
| 14. | 38.9% | Owsley County School District / 4,764 |
| 15. | 38.0% | Webster County School District / 13,618 |
| 16. | 37.9% | Pineville Independent School District / 2,355 |
| 17. | 37.9% | McLean County School District / 9,554 |
| 18. | 37.7% | Ashland Independent School District / 21,579 |
| 19. | 37.4% | Allen County School District / 20,007 |
| 20. | 37.3% | Bowling Green Independent School District / 26,705 |
| 21. | 37.1% | Trigg County School District / 14,282 |
| 22. | 37.0% | Raceland-Worthington Independent School District / 4,969 |
| 23. | 36.7% | Walton-Verona Independent School District / 6,367 |
| 24. | 36.7% | Anderson County School District / 21,442 |
| 25. | 36.4% | Lincoln County School District / 24,671 |
| 26. | 36.1% | Covington Independent School District / 32,954 |
| 27. | 36.1% | Owensboro Independent School District / 28,941 |
| 28. | 36.0% | Union County School District / 14,992 |
| 29. | 36.0% | Fort Thomas Independent School District / 16,223 |
| 30. | 35.9% | Larue County School District / 14,175 |
| 31. | 35.8% | Ohio County School District / 23,975 |
| 32. | 35.7% | Corbin Independent School District / 10,070 |
| 33. | 35.5% | Cloverport Independent School District / 1,510 |
| 34. | 35.2% | Somerset Independent School District / 9,409 |
| 35. | 35.2% | Jackson Independent School District / 1,260 |
| 36. | 35.0% | Dayton Independent School District / 5,485 |
| 37. | 34.8% | Augusta Independent School District / 1,534 |
| 38. | 34.8% | Simpson County School District / 17,323 |
| 39. | 34.8% | Bullitt County School District / 74,431 |
| 40. | 34.7% | Dawson Springs Independent School District / 2,523 |
| 41. | 34.6% | Monticello Independent School District / 3,873 |
| 42. | 34.5% | Campbell County School District / 41,444 |
| 43. | 34.4% | Williamsburg Independent School District / 5,561 |
| 44. | 34.4% | Washington County School District / 11,701 |
| 45. | 34.2% | McCreary County School District / 18,204 |
| 46. | 34.1% | Bath County School District / 11,665 |
| 47. | 34.0% | Clay County School District / 21,833 |
| 48. | 34.0% | Danville Independent School District / 13,730 |
| 48. | 34.0% | Jessamine County School District / 48,591 |
| 50. | 33.9% | Carlisle County School District / 5,081 |
| 51. | 33.9% | Rockcastle County School District / 17,090 |
| 52. | 33.8% | Muhlenberg County School District / 31,399 |
| 53. | 33.8% | Monroe County School District / 10,925 |
| 54. | 33.8% | Elliott County School District / 7,774 |
| 55. | 33.7% | Breathitt County School District / 12,662 |
| 56. | 33.7% | Floyd County School District / 39,454 |
| 57. | 33.6% | Powell County School District / 12,638 |
| 58. | 33.2% | Grayson County School District / 25,772 |
| 59. | 33.1% | Grant County School District / 21,007 |
| 60. | 33.1% | Calloway County School District / 26,448 |
| 61. | 33.0% | Edmonson County School District / 12,141 |
| 62. | 33.0% | Madison County School District / 76,112 |
| 63. | 32.9% | Montgomery County School District / 26,517 |
| 64. | 32.9% | Middlesboro Independent School District / 10,354 |
| 65. | 32.9% | Fort Knox Dependent Schools / 12,204 |
| 66. | 32.9% | Garrard County School District / 16,892 |
| 67. | 32.8% | Carroll County School District / 10,851 |
| 68. | 32.8% | Livingston County School District / 9,479 |
| 69. | 32.7% | Pulaski County School District for Science Hill ISD / 1,884 |
| 69. | 32.7% | Science Hill Independent School District / 1,884 |
| 71. | 32.6% | Ludlow Independent School District / 4,851 |
| 72. | 32.6% | Clark County School District / 35,555 |
| 72. | 32.6% | Boone County School District / 113,039 |
| 74. | 32.5% | Paris Independent School District / 5,366 |
| 75. | 32.5% | Knox County School District / 28,285 |
| 76. | 32.5% | Laurel County School District / 57,606 |
| 77. | 32.4% | Name N/A / 4,140 |
| 78. | 32.3% | Ballard County School District / 8,268 |
| 79. | 32.3% | Fulton County School District / 3,904 |
| 80. | 32.2% | East Bernstadt Independent School District / 1,285 |
| 80. | 32.2% | Laurel County School District for East Bernstadt ISD / 1,285 |
| 82. | 32.1% | Russell County School District / 17,562 |
| 83. | 32.1% | Jefferson County School District / 738,880 |
| 84. | 31.9% | West Point Independent School District / 971 |
| 84. | 31.9% | Elizabethtown Independent School District for West Point ISD / 971 |
| 86. | 31.9% | Casey County School District / 15,984 |
| 87. | 31.8% | Metcalfe County School District / 10,074 |
| 88. | 31.7% | Whitley County School District / 21,042 |
| 89. | 31.6% | Franklin County School District / 45,082 |
| 90. | 31.5% | Boyd County School District / 24,118 |
| 91. | 31.5% | Magoffin County School District / 13,229 |
| 92. | 31.4% | Menifee County School District / 6,331 |
| 93. | 31.4% | Russell Independent School District / 12,679 |
| 94. | 31.2% | Hancock County School District / 8,588 |
| 95. | 31.1% | Nelson County School District / 30,609 |
| 96. | 30.9% | Lee County School District / 7,831 |
| 97. | 30.8% | Anchorage Independent School District / 2,405 |
| 98. | 30.7% | Green County School District / 11,309 |
| 98. | 30.7% | Oldham County School District / 60,357 |
| 100. | 30.6% | Robertson County School District / 2,251 |
| 101. | 30.6% | Morgan County School District / 13,898 |
| 102. | 30.5% | Jackson County School District / 13,475 |
| 103. | 30.5% | Mercer County School District / 18,616 |
| 104. | 30.5% | Estill County School District / 14,647 |
| 105. | 30.4% | Adair County School District / 18,651 |
| 106. | 30.4% | Martin County School District / 12,934 |
| 107. | 30.2% | Hopkins County School District / 44,368 |
| 108. | 30.2% | Caverna Independent School District / 5,301 |
| 109. | 30.2% | Warren County School District / 87,082 |
| 110. | 30.1% | Greenup County School District / 19,274 |
| 111. | 30.0% | Johnson County School District / 19,884 |
| 112. | 29.9% | Boyle County School District / 14,715 |
| 113. | 29.8% | Carter County School District / 27,594 |
| 114. | 29.7% | Logan County School District / 20,871 |
| 115. | 29.6% | Pike County School District / 58,328 |
| 116. | 29.5% | Eminence Independent School District / 2,767 |
| 116. | 29.5% | Nicholas County School District / 7,092 |
| 118. | 29.5% | Fleming County School District / 14,415 |
| 118. | 29.5% | Pikeville Independent School District / 6,559 |
| 120. | 29.4% | Clinton County School District / 10,244 |
| 121. | 29.4% | Henderson County School District / 46,254 |
| 122. | 29.3% | Marion County School District / 19,872 |
| 123. | 29.2% | Christian County School District / 59,889 |
| 124. | 29.1% | Wolfe County School District / 7,298 |
| 124. | 29.1% | Hart County School District / 15,708 |
| 126. | 29.0% | Lewis County School District / 13,889 |
| 127. | 28.9% | Woodford County School District / 24,847 |
| 128. | 28.9% | Erlanger-Elsmere Independent School District / 17,045 |
| 129. | 28.8% | Harlan County School District / 25,892 |
| 130. | 28.8% | Lawrence County School District / 15,889 |
| 131. | 28.7% | Pendleton County School District / 14,771 |
| 131. | 28.7% | Campbellsville Independent School District / 8,017 |
| 133. | 28.6% | Pulaski County School District / 51,752 |
| 134. | 28.6% | Mayfield Independent School District / 9,738 |
| 135. | 28.4% | Graves County School District / 27,462 |
| 136. | 28.0% | Meade County School District / 24,753 |
| 137. | 27.9% | Taylor County School District / 16,497 |
| 138. | 27.9% | Letcher County School District / 20,896 |
| 139. | 27.8% | Shelby County School District / 42,286 |
| 140. | 27.7% | Butler County School District / 12,748 |
| 141. | 27.3% | Harrison County School District / 18,781 |
| 142. | 27.3% | Fayette County School District / 296,766 |
| 143. | 27.2% | Hickman County School District / 4,869 |
| 144. | 27.2% | Hardin County School District / 84,690 |
| 145. | 27.2% | Mason County School District / 17,495 |
| 146. | 27.1% | Bell County School District / 15,904 |
| 147. | 27.0% | Caldwell County School District / 12,977 |
| 148. | 26.9% | Marshall County School District / 31,393 |
| 149. | 26.9% | Beechwood Independent School District / 6,291 |
| 150. | 26.7% | Knott County School District / 16,368 |
| 151. | 26.6% | Leslie County School District / 11,318 |
| 151. | 26.6% | Kenton County School District / 98,785 |
| 153. | 26.3% | Perry County School District / 23,812 |
| 154. | 26.3% | Trimble County School District / 8,829 |
| 155. | 26.2% | Lyon County School District / 8,336 |
| 156. | 25.9% | McCracken County School District / 45,401 |
| 157. | 25.5% | Daviess County School District / 67,770 |
| 158. | 25.4% | Todd County School District / 12,472 |
| 159. | 25.3% | Burgin Independent School District / 2,667 |
| 160. | 25.2% | Paducah Independent School District / 20,157 |
| 161. | 25.1% | Barren County School District / 27,275 |
| 162. | 24.7% | Henry County School District / 12,661 |
| 163. | 24.5% | Scott County School District / 47,211 |
| 164. | 24.3% | Jenkins Independent School District / 3,440 |
| 165. | 23.8% | Rowan County School District / 23,351 |
| 166. | 23.5% | Wayne County School District / 16,946 |
| 167. | 23.5% | Breckinridge County School District / 18,558 |
| 168. | 23.4% | Crittenden County School District / 9,321 |
| 169. | 22.7% | Elizabethtown Independent School District / 10,874 |
| 170. | 22.4% | Bardstown Independent School District / 12,891 |
| 171. | 21.9% | Harlan Independent School District / 3,318 |
| 172. | 21.7% | Owen County School District / 10,870 |
| 173. | 21.0% | Spencer County School District / 17,135 |
| 174. | 20.4% | Hazard Independent School District / 4,805 |
| 175. | 19.6% | Frankfort Independent School District / 4,317 |
| 176. | 19.3% | Bourbon County School District / 14,638 |
| 177. | 19.0% | Williamstown Independent School District / 3,676 |
| 178. | 18.1% | Paintsville Independent School District / 3,455 |
| 179. | 18.0% | Murray Independent School District / 10,750 |
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.
