| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 18.1% | McCreary County School District / 18,073 |
| 2. | 18.0% | Fort Knox Dependent Schools / 11,447 |
| 3. | 16.6% | Eminence Independent School District / 3,128 |
| 4. | 16.4% | Dayton Independent School District / 5,498 |
| 5. | 14.5% | Williamstown Independent School District / 3,830 |
| 6. | 14.2% | Elliott County School District / 7,781 |
| 7. | 13.7% | Silver Grove Independent School District / 1,652 |
| 8. | 12.7% | Bath County School District / 11,870 |
| 9. | 12.5% | Estill County School District / 14,547 |
| 10. | 11.8% | Lewis County School District / 13,848 |
| 11. | 11.4% | Wolfe County School District / 7,273 |
| 12. | 11.4% | Owsley County School District / 4,686 |
| 13. | 11.2% | Knox County School District / 27,939 |
| 14. | 11.1% | Pulaski County School District / 52,235 |
| 15. | 10.9% | Harlan Independent School District / 3,099 |
| 16. | 10.6% | Barbourville Independent School District / 2,839 |
| 17. | 10.5% | Erlanger-Elsmere Independent School District / 16,495 |
| 18. | 10.3% | Magoffin County School District / 13,076 |
| 19. | 10.3% | Grant County School District / 20,837 |
| 20. | 10.2% | Henry County School District / 12,299 |
| 21. | 10.1% | Johnson County School District / 19,723 |
| 22. | 10.1% | Whitley County School District / 20,726 |
| 23. | 9.9% | Anchorage Independent School District / 2,240 |
| 23. | 9.9% | Name N/A / 2,240 |
| 25. | 9.8% | Leslie County School District / 11,128 |
| 26. | 9.8% | Menifee County School District / 6,337 |
| 27. | 9.8% | Frankfort Independent School District / 4,466 |
| 28. | 9.8% | Crittenden County School District / 9,254 |
| 29. | 9.7% | Paducah Independent School District / 19,773 |
| 29. | 9.7% | Covington Independent School District / 32,984 |
| 31. | 9.7% | Jackson County School District / 13,370 |
| 32. | 9.7% | Campbellsville Independent School District / 8,840 |
| 33. | 9.6% | Calloway County School District / 27,479 |
| 34. | 9.5% | Paris Independent School District / 5,623 |
| 35. | 9.4% | Clay County School District / 21,446 |
| 36. | 9.3% | Logan County School District / 21,118 |
| 37. | 9.3% | Floyd County School District / 39,087 |
| 38. | 9.2% | Jackson Independent School District / 1,016 |
| 39. | 9.2% | Mercer County School District / 18,396 |
| 40. | 9.0% | Fort Thomas Independent School District / 16,203 |
| 40. | 9.0% | Todd County School District / 12,499 |
| 42. | 9.0% | Martin County School District / 12,750 |
| 43. | 8.9% | Fleming County School District / 14,505 |
| 44. | 8.8% | Harrison County School District / 18,643 |
| 45. | 8.8% | Montgomery County School District / 26,983 |
| 46. | 8.7% | West Point Independent School District / 997 |
| 46. | 8.7% | Elizabethtown Independent School District for West Point ISD / 997 |
| 48. | 8.6% | Greenup County School District / 19,453 |
| 49. | 8.5% | Lee County School District / 7,681 |
| 50. | 8.4% | Owen County School District / 10,740 |
| 51. | 8.3% | Walton-Verona Independent School District / 5,990 |
| 52. | 8.2% | Rockcastle County School District / 16,965 |
| 53. | 8.1% | Clinton County School District / 10,192 |
| 54. | 8.1% | Green County School District / 11,186 |
| 55. | 8.1% | Trimble County School District / 8,816 |
| 56. | 7.8% | Garrard County School District / 16,880 |
| 57. | 7.7% | Pike County School District / 57,377 |
| 58. | 7.7% | Boone County School District / 117,040 |
| 59. | 7.6% | Hazard Independent School District / 5,047 |
| 60. | 7.6% | Graves County School District / 27,809 |
| 61. | 7.6% | Adair County School District / 19,032 |
| 62. | 7.5% | Somerset Independent School District / 9,036 |
| 63. | 7.5% | Hart County School District / 15,718 |
| 63. | 7.5% | Union County School District / 15,192 |
| 65. | 7.4% | Barren County School District / 26,977 |
| 66. | 7.4% | Ohio County School District / 23,956 |
| 66. | 7.4% | Russell County School District / 17,646 |
| 68. | 7.4% | Corbin Independent School District / 10,328 |
| 69. | 7.3% | Henderson County School District / 46,394 |
| 70. | 7.3% | Powell County School District / 12,552 |
| 71. | 7.2% | Harlan County School District / 25,645 |
| 71. | 7.2% | Anderson County School District / 21,664 |
| 73. | 7.2% | Hopkins County School District / 44,153 |
| 74. | 7.1% | Owensboro Independent School District / 29,939 |
| 75. | 7.1% | Trigg County School District / 14,277 |
| 76. | 7.0% | Boyd County School District / 23,871 |
| 77. | 7.0% | Jefferson County School District / 749,245 |
| 78. | 7.0% | Franklin County School District / 45,043 |
| 79. | 6.9% | Glasgow Independent School District / 12,573 |
| 80. | 6.9% | Rowan County School District / 23,485 |
| 81. | 6.9% | Nicholas County School District / 7,064 |
| 82. | 6.7% | Elizabethtown Independent School District / 11,484 |
| 83. | 6.7% | Casey County School District / 16,002 |
| 84. | 6.6% | Spencer County School District / 17,419 |
| 85. | 6.6% | Marion County School District / 19,965 |
| 86. | 6.5% | Campbell County School District / 42,589 |
| 87. | 6.4% | Metcalfe County School District / 10,025 |
| 87. | 6.4% | Fayette County School District / 304,473 |
| 89. | 6.4% | Allen County School District / 20,219 |
| 90. | 6.4% | Laurel County School District / 58,128 |
| 91. | 6.3% | Bracken County School District / 7,044 |
| 92. | 6.3% | Fulton County School District / 3,991 |
| 93. | 6.3% | Madison County School District / 78,443 |
| 94. | 6.3% | Clark County School District / 35,633 |
| 95. | 6.2% | Robertson County School District / 2,239 |
| 96. | 6.2% | Letcher County School District / 20,717 |
| 97. | 6.2% | Bellevue Independent School District / 5,817 |
| 98. | 6.1% | Bullitt County School District / 76,093 |
| 99. | 6.0% | Edmonson County School District / 12,137 |
| 100. | 6.0% | Paintsville Independent School District / 3,667 |
| 100. | 6.0% | Morgan County School District / 13,522 |
| 102. | 5.9% | Caldwell County School District / 12,880 |
| 103. | 5.8% | Scott County School District / 49,167 |
| 104. | 5.8% | Christian County School District / 60,380 |
| 105. | 5.7% | Mason County School District / 17,398 |
| 106. | 5.7% | Grayson County School District / 25,934 |
| 107. | 5.7% | Newport Independent School District / 15,762 |
| 108. | 5.7% | Cloverport Independent School District / 1,476 |
| 109. | 5.7% | Simpson County School District / 17,551 |
| 110. | 5.7% | Wayne County School District / 20,728 |
| 110. | 5.7% | Hickman County School District / 4,790 |
| 112. | 5.6% | Bell County School District / 16,160 |
| 113. | 5.6% | Perry County School District / 23,214 |
| 114. | 5.5% | Pulaski County School District for Science Hill ISD / 2,234 |
| 114. | 5.5% | Science Hill Independent School District / 2,234 |
| 116. | 5.5% | Knott County School District / 16,139 |
| 117. | 5.5% | Kenton County School District / 101,128 |
| 118. | 5.4% | Bowling Green Independent School District / 26,627 |
| 119. | 5.3% | Boyle County School District / 15,444 |
| 120. | 5.2% | Lincoln County School District / 24,546 |
| 121. | 5.2% | Breathitt County School District / 12,647 |
| 121. | 5.2% | Breckinridge County School District / 18,600 |
| 123. | 5.2% | Russellville Independent School District / 5,726 |
| 124. | 5.1% | Livingston County School District / 9,443 |
| 125. | 5.1% | Muhlenberg County School District / 31,391 |
| 126. | 5.1% | Woodford County School District / 25,151 |
| 127. | 5.1% | Murray Independent School District / 10,502 |
| 128. | 5.0% | Carlisle County School District / 5,031 |
| 129. | 5.0% | Jessamine County School District / 49,601 |
| 130. | 5.0% | Larue County School District / 14,149 |
| 130. | 5.0% | Monroe County School District / 10,837 |
| 132. | 4.9% | Nelson County School District / 31,195 |
| 133. | 4.8% | Hardin County School District / 87,660 |
| 134. | 4.8% | Meade County School District / 25,180 |
| 135. | 4.8% | Burgin Independent School District / 2,915 |
| 136. | 4.7% | Ashland Independent School District / 21,426 |
| 137. | 4.7% | Taylor County School District / 16,219 |
| 137. | 4.7% | Ludlow Independent School District / 5,172 |
| 139. | 4.6% | Gallatin County School District / 8,554 |
| 140. | 4.6% | McCracken County School District / 45,772 |
| 140. | 4.6% | Dawson Springs Independent School District / 2,531 |
| 142. | 4.5% | Carroll County School District / 10,871 |
| 143. | 4.5% | Washington County School District / 11,871 |
| 144. | 4.4% | Cumberland County School District / 6,829 |
| 145. | 4.4% | Carter County School District / 27,439 |
| 146. | 4.4% | Bourbon County School District / 14,349 |
| 147. | 4.3% | Oldham County School District / 61,711 |
| 148. | 4.2% | Middlesboro Independent School District / 10,154 |
| 149. | 4.2% | Caverna Independent School District / 5,850 |
| 150. | 4.0% | Warren County School District / 90,542 |
| 151. | 3.9% | Webster County School District / 13,454 |
| 152. | 3.9% | Daviess County School District / 67,692 |
| 153. | 3.8% | Mayfield Independent School District / 9,642 |
| 154. | 3.8% | Butler County School District / 12,797 |
| 155. | 3.7% | Fulton Independent School District / 2,559 |
| 156. | 3.7% | Bardstown Independent School District / 13,059 |
| 157. | 3.7% | Name N/A / 10,625 |
| 158. | 3.7% | Marshall County School District / 31,223 |
| 159. | 3.7% | Beechwood Independent School District / 6,136 |
| 160. | 3.6% | Danville Independent School District / 13,706 |
| 160. | 3.6% | Pendleton County School District / 14,642 |
| 162. | 3.4% | Shelby County School District / 43,581 |
| 163. | 3.0% | Raceland-Worthington Independent School District / 4,788 |
| 164. | 3.0% | Lyon County School District / 8,415 |
| 164. | 3.0% | McLean County School District / 9,510 |
| 166. | 2.9% | Hancock County School District / 8,654 |
| 167. | 2.9% | Ballard County School District / 8,274 |
| 168. | 2.8% | Russell Independent School District / 12,415 |
| 169. | 2.7% | Lawrence County School District / 15,850 |
| 170. | 2.5% | Berea Independent School District / 7,042 |
| 171. | 2.4% | Jenkins Independent School District / 3,248 |
| 172. | 2.1% | Fairview Independent School District / 3,945 |
| 173. | 1.3% | Pikeville Independent School District / 7,003 |
| 174. | 1.0% | Augusta Independent School District / 1,415 |
Please note that we only rank locations with 'Percentage of Houses without 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 without a Mortgage where Total Holding Costs 40% or More of Owner Income' data are not listed.
