| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 51.7% | Provincetown School District / 3,039 |
| 2. | 50.1% | Tisbury School District / 3,886 |
| 3. | 48.7% | Lawrence School District / 75,177 |
| 4. | 48.0% | Nantucket School District / 10,069 |
| 5. | 45.3% | Everett School District / 40,560 |
| 6. | 44.3% | Edgartown School District / 3,984 |
| 7. | 44.2% | Martha's Vineyard School District / 15,957 |
| 8. | 44.0% | Oak Bluffs School District / 4,364 |
| 9. | 42.1% | Gosnold School District / 198 |
| 10. | 40.6% | North Adams School District in Monroe (9-12) / 110 |
| 11. | 38.9% | Up-Island Regional School District / 3,723 |
| 12. | 38.3% | Chelsea School District / 34,532 |
| 13. | 38.0% | Revere School District / 50,008 |
| 14. | 35.6% | Orleans School District / 5,981 |
| 15. | 35.2% | Brockton School District / 93,869 |
| 16. | 34.8% | Harwich School District / 12,291 |
| 17. | 34.6% | Nauset/Provincetown School Districts in Turo (7-12) / 1,831 |
| 17. | 34.6% | Truro School District / 1,831 |
| 19. | 33.9% | Malden School District / 58,180 |
| 20. | 33.8% | Plympton School District / 2,777 |
| 21. | 33.4% | Barnstable School District / 45,775 |
| 22. | 33.4% | Weston School District / 11,191 |
| 23. | 33.3% | Lynn School District / 89,625 |
| 24. | 33.2% | Falmouth School District / 31,796 |
| 25. | 33.0% | Southern Berkshire School District / 7,407 |
| 26. | 32.7% | Dennis-Yarmouth School District / 38,597 |
| 26. | 32.7% | Wellfleet School District / 2,946 |
| 28. | 32.4% | Brewster School District / 9,891 |
| 29. | 32.4% | Holbrook School District / 10,694 |
| 30. | 32.2% | Adams-Cheshire School District in Savoy (7-12) / 747 |
| 30. | 32.2% | Savoy School District / 747 |
| 32. | 32.1% | New Bedford School District / 94,945 |
| 33. | 31.9% | Fall River School District / 89,482 |
| 34. | 31.4% | Nauset School District / 23,878 |
| 35. | 31.3% | Somerset School District in Berkley (9-12) / 6,306 |
| 35. | 31.3% | Berkley School District / 6,306 |
| 37. | 31.2% | Chatham School District / 6,221 |
| 38. | 31.0% | Gloucester School District / 28,893 |
| 39. | 30.4% | Lynnfield School District / 11,487 |
| 40. | 30.4% | Somerville School District / 75,215 |
| 41. | 30.2% | Rockport School District / 7,053 |
| 42. | 30.1% | Halifax School District / 7,508 |
| 43. | 29.8% | Boston School District / 602,609 |
| 44. | 29.7% | Rockland School District / 17,511 |
| 45. | 29.6% | Bourne School District / 19,577 |
| 46. | 29.5% | Shirley School District / 7,226 |
| 46. | 29.5% | Ayer/Lunenberg School Districts in Shirley (9-12) / 7,226 |
| 48. | 29.3% | Berkshire Hills School District / 10,356 |
| 49. | 29.2% | Silver Lake School District / 22,755 |
| 50. | 28.9% | Sandwich School District / 20,628 |
| 51. | 28.9% | Leverett School District / 1,803 |
| 52. | 28.8% | Berlin School District / 2,789 |
| 53. | 28.6% | Lincoln School District / 6,552 |
| 54. | 28.6% | Saugus School District / 26,392 |
| 55. | 28.5% | Southbridge School District / 16,851 |
| 56. | 28.5% | Petersham School District / 1,339 |
| 57. | 28.4% | Middleton School District / 8,717 |
| 58. | 28.4% | Quincy School District / 90,780 |
| 59. | 28.3% | Hull School District / 10,420 |
| 60. | 28.2% | Gill-Montague School District in Erving (7-12) / 1,822 |
| 60. | 28.2% | Erving School District / 1,822 |
| 62. | 28.2% | Fitchburg School District / 40,214 |
| 63. | 28.1% | Ipswich School District / 13,074 |
| 64. | 28.1% | Methuen School District / 46,393 |
| 65. | 27.8% | Orange School District / 7,795 |
| 66. | 27.7% | Carver School District / 11,447 |
| 67. | 27.7% | Lowell School District / 105,089 |
| 68. | 27.7% | Ralph C. Mahar School District / 11,004 |
| 69. | 27.5% | Kingston School District / 12,470 |
| 70. | 27.3% | Plymouth School District / 55,606 |
| 71. | 27.1% | Ayer School District / 7,314 |
| 72. | 27.1% | Pentucket School District / 16,803 |
| 73. | 27.1% | North Reading School District / 14,536 |
| 74. | 27.0% | Springfield School District / 152,906 |
| 75. | 27.0% | Concord School District / 17,373 |
| 76. | 26.9% | Mashpee School District / 13,850 |
| 77. | 26.7% | Medford School District / 55,451 |
| 78. | 26.7% | Acushnet School District / 10,288 |
| 78. | 26.7% | Fairhaven/New Bedford School Districts in Acushnet (9-12) / 10,288 |
| 80. | 26.6% | New Salem-Wendell School District / 1,870 |
| 81. | 26.5% | Wareham School District / 21,536 |
| 82. | 26.5% | Millis School District / 7,824 |
| 83. | 26.4% | Waltham School District / 59,771 |
| 84. | 26.3% | Scituate School District / 18,075 |
| 85. | 26.2% | Watertown School District / 31,591 |
| 86. | 26.2% | Randolph School District / 31,661 |
| 87. | 26.1% | Greenfield School District / 17,610 |
| 88. | 26.1% | Wales School District / 1,910 |
| 89. | 26.0% | Canton School District / 21,246 |
| 90. | 25.9% | Woburn School District / 37,538 |
| 91. | 25.8% | Pembroke School District / 17,660 |
| 92. | 25.7% | Lenox School District / 5,022 |
| 93. | 25.7% | Cohasset School District / 7,434 |
| 94. | 25.7% | Swampscott School District / 13,819 |
| 95. | 25.6% | Abington School District / 15,704 |
| 96. | 25.2% | Worcester School District / 179,994 |
| 97. | 25.2% | Leominster School District / 40,941 |
| 98. | 25.2% | Triton School District / 20,557 |
| 99. | 25.1% | Nahant School District / 3,431 |
| 99. | 25.1% | Swampscott School District in Nahant (7-12) / 3,431 |
| 101. | 25.0% | Hatfield School District / 3,268 |
| 102. | 24.9% | Palmer School District / 12,196 |
| 103. | 24.7% | Winthrop School District / 17,311 |
| 104. | 24.6% | Framingham School District / 67,339 |
| 105. | 24.4% | Marblehead School District / 19,797 |
| 106. | 24.2% | Wayland School District / 12,864 |
| 107. | 24.2% | Stoughton School District / 26,781 |
| 108. | 24.2% | Duxbury School District / 14,897 |
| 109. | 24.1% | Concord-Carlisle School District / 22,139 |
| 110. | 24.1% | Cambridge School District / 103,506 |
| 111. | 24.0% | Bellingham School District / 16,017 |
| 111. | 24.0% | Maynard School District / 10,036 |
| 113. | 24.0% | Rochester School District / 5,109 |
| 114. | 23.9% | Danvers School District / 26,113 |
| 114. | 23.9% | Holyoke School District / 39,885 |
| 116. | 23.8% | Norwell School District / 10,370 |
| 117. | 23.7% | Ashburnham-Westminster School District / 13,216 |
| 118. | 23.7% | Attleboro School District / 43,355 |
| 119. | 23.7% | Pelham School District / 1,246 |
| 120. | 23.5% | Hudson School District / 18,643 |
| 121. | 23.5% | Taunton School District / 55,954 |
| 122. | 23.4% | Dedham School District / 24,325 |
| 123. | 23.3% | Walpole School District / 23,673 |
| 124. | 23.3% | Salem School District / 40,964 |
| 125. | 23.3% | Eastham School District / 5,060 |
| 126. | 23.3% | Weymouth School District / 53,342 |
| 127. | 23.2% | Newton School District / 83,949 |
| 127. | 23.2% | Whitman-Hanson School District / 24,464 |
| 129. | 23.1% | Hingham School District / 21,731 |
| 129. | 23.1% | Webster School District / 16,745 |
| 131. | 23.1% | Seekonk School District / 13,686 |
| 132. | 23.1% | Dartmouth School District / 33,517 |
| 133. | 23.0% | Gardner School District / 20,386 |
| 133. | 23.0% | Pittsfield School District / 44,788 |
| 135. | 22.9% | Lunenburg School District / 9,985 |
| 136. | 22.8% | East Bridgewater School District / 13,636 |
| 137. | 22.6% | Sunderland School District / 3,712 |
| 138. | 22.5% | Name N/A / 415,038 |
| 139. | 22.5% | Pioneer Valley School District / 6,467 |
| 140. | 22.5% | Westwood School District / 14,405 |
| 140. | 22.5% | Mattapoisett School District / 6,079 |
| 142. | 22.4% | Hamilton-Wenham School District / 12,619 |
| 142. | 22.4% | Florida School District / 876 |
| 144. | 22.4% | North Brookfield School District / 4,691 |
| 145. | 22.4% | Swansea School District / 15,900 |
| 146. | 22.4% | Stoneham School District / 21,320 |
| 146. | 22.4% | Beverly School District / 39,351 |
| 148. | 22.3% | Reading School District / 24,261 |
| 148. | 22.3% | Longmeadow School District / 15,759 |
| 150. | 22.3% | Whately School District / 1,566 |
| 151. | 22.3% | Marlborough School District / 37,674 |
| 152. | 22.2% | Manchester Essex Regional School District / 8,574 |
| 153. | 22.2% | Dighton-Rehoboth School District / 18,272 |
| 154. | 22.1% | Milford School District / 27,855 |
| 155. | 22.1% | Old Rochester School District / 16,136 |
| 156. | 22.0% | Masconomet School District / 22,691 |
| 157. | 22.0% | Mohawk Trail School District / 8,695 |
| 158. | 22.0% | Haverhill School District / 60,203 |
| 159. | 21.9% | Boxborough School District / 4,908 |
| 160. | 21.8% | Billerica School District / 39,572 |
| 161. | 21.8% | Winchendon School District / 10,212 |
| 162. | 21.7% | Belmont School District / 24,356 |
| 162. | 21.7% | Berlin-Boylston School District / 7,097 |
| 164. | 21.7% | Westhampton School District / 1,585 |
| 165. | 21.6% | Lincoln-Sudbury School District / 23,860 |
| 166. | 21.4% | Lakeville School District / 10,462 |
| 167. | 21.3% | Dover School District / 5,528 |
| 168. | 21.3% | Athol-Royalston School District / 12,660 |
| 169. | 21.2% | Middleborough School District / 22,538 |
| 170. | 21.2% | Marshfield School District / 24,969 |
| 171. | 21.2% | Deerfield School District / 5,070 |
| 172. | 21.1% | Chicopee School District / 55,165 |
| 172. | 21.1% | Burlington School District / 23,926 |
| 174. | 21.1% | North Attleborough School District / 28,483 |
| 174. | 21.1% | Central Berkshire School District / 14,070 |
| 176. | 21.0% | Freetown-Lakeville School District / 19,258 |
| 177. | 21.0% | Southwick-Tolland School District in Granville (9-12) / 1,525 |
| 177. | 21.0% | Granville School District / 1,525 |
| 179. | 20.9% | Dover-Sherborn School District / 9,617 |
| 180. | 20.9% | Spencer-East Brookfield School District / 13,758 |
| 181. | 20.9% | Ware School District / 9,860 |
| 182. | 20.8% | Medfield School District / 11,976 |
| 183. | 20.8% | Narragansett School District / 9,650 |
| 184. | 20.8% | Easton School District / 23,016 |
| 184. | 20.8% | North Middlesex School District / 23,157 |
| 184. | 20.8% | Hanover School District / 13,743 |
| 187. | 20.8% | Winchester School District / 21,016 |
| 188. | 20.8% | Oxford School District / 13,690 |
| 189. | 20.7% | Gateway School District / 8,647 |
| 190. | 20.7% | Frontier School District / 12,265 |
| 191. | 20.6% | Dracut School District / 28,960 |
| 192. | 20.6% | Freetown School District / 8,796 |
| 193. | 20.6% | Westport School District / 15,298 |
| 194. | 20.5% | Tyngsborough School District / 11,124 |
| 195. | 20.4% | Ashland School District / 16,053 |
| 196. | 20.4% | Fairhaven School District / 15,934 |
| 197. | 20.4% | Bedford School District / 13,071 |
| 198. | 20.3% | Sherborn School District / 4,089 |
| 199. | 20.3% | Brookfield School District / 3,342 |
| 200. | 20.3% | Milton School District / 26,667 |
| 201. | 20.3% | North Andover School District / 27,965 |
| 202. | 20.3% | Foxborough School District / 16,621 |
| 203. | 20.2% | Nashoba School District / 18,950 |
| 203. | 20.2% | Tewksbury School District / 28,619 |
| 205. | 20.2% | Arlington School District / 42,240 |
| 206. | 20.1% | Natick School District / 32,443 |
| 207. | 20.1% | Northampton School District / 28,709 |
| 208. | 20.1% | Braintree School District / 35,122 |
| 209. | 20.0% | Agawam School District / 28,383 |
| 209. | 20.0% | Sudbury School District / 17,308 |
| 211. | 19.7% | Farmington River Regional School District / 2,008 |
| 211. | 19.7% | Lee/Berkshire Hills in Farmington River Regional (7-12) / 2,008 |
| 213. | 19.7% | Acton-Boxborough School District / 26,284 |
| 213. | 19.7% | Adams-Cheshire School District / 11,772 |
| 215. | 19.6% | Medway School District / 12,597 |
| 216. | 19.6% | Pittsfield School District in Richmond (9-12) / 1,710 |
| 216. | 19.6% | Norton School District / 18,880 |
| 216. | 19.6% | Richmond School District / 1,710 |
| 219. | 19.6% | Millbury School District / 13,220 |
| 220. | 19.5% | Harvard School District / 6,433 |
| 221. | 19.5% | Westborough School District / 18,272 |
| 222. | 19.5% | Norwood School District / 28,375 |
| 223. | 19.5% | Auburn School District / 16,185 |
| 223. | 19.5% | Peabody School District / 50,455 |
| 225. | 19.2% | Ludlow School District / 21,156 |
| 226. | 19.2% | Somerset School District / 18,185 |
| 226. | 19.2% | Marion School District / 4,948 |
| 226. | 19.2% | Amesbury School District / 16,225 |
| 229. | 19.2% | Southborough School District / 9,617 |
| 230. | 19.2% | Uxbridge School District / 13,081 |
| 230. | 19.2% | Acton School District / 21,376 |
| 232. | 19.1% | Holliston School District / 13,431 |
| 233. | 19.1% | Plainville School District / 8,091 |
| 234. | 19.1% | North Adams School District in Florida (9-12) / 766 |
| 235. | 19.0% | Brimfield School District / 3,557 |
| 236. | 18.9% | Sharon School District / 17,435 |
| 237. | 18.9% | Boxford School District / 7,917 |
| 238. | 18.8% | Wellesley School District / 27,623 |
| 239. | 18.8% | Needham School District / 28,683 |
| 240. | 18.8% | Gill-Montague School District / 9,867 |
| 241. | 18.8% | Granby School District / 6,229 |
| 242. | 18.5% | Topsfield School District / 6,057 |
| 243. | 18.5% | Lee School District / 6,342 |
| 244. | 18.5% | Brookline School District / 57,953 |
| 245. | 18.3% | Lanesborough School District / 3,306 |
| 246. | 18.3% | Blackstone-Millville School District / 12,117 |
| 247. | 18.2% | Westfield School District / 40,974 |
| 248. | 18.2% | Lexington School District / 30,862 |
| 249. | 18.1% | Hawlemont School District / 1,553 |
| 249. | 18.1% | Mohawk Trail Regional School District in Hawley and Charlemont towns / 1,553 |
| 251. | 17.8% | West Boylston School District / 7,657 |
| 252. | 17.8% | Shutesbury School District / 1,890 |
| 253. | 17.8% | Melrose School District / 26,704 |
| 254. | 17.7% | Northbridge School District / 15,287 |
| 255. | 17.5% | Hadley School District / 5,176 |
| 256. | 17.3% | Avon School District / 4,335 |
| 257. | 17.3% | East Longmeadow School District / 15,446 |
| 258. | 17.3% | Amherst-Pelham School District / 42,342 |
| 259. | 17.2% | Boylston School District / 4,308 |
| 259. | 17.2% | Tantasqua School District / 20,490 |
| 259. | 17.2% | Wachusett School District / 40,643 |
| 262. | 17.2% | Holland School District / 2,644 |
| 263. | 17.2% | Mount Greylock School District / 11,185 |
| 264. | 17.0% | Douglas School District / 8,239 |
| 265. | 16.9% | North Adams School District / 13,851 |
| 266. | 16.9% | Quabbin School District / 15,470 |
| 267. | 16.8% | West Bridgewater School District / 6,859 |
| 267. | 16.8% | Leicester School District / 10,911 |
| 269. | 16.7% | Wakefield School District / 24,620 |
| 270. | 16.7% | Franklin School District / 31,023 |
| 271. | 16.6% | Hampden-Wilbraham School District / 19,215 |
| 272. | 16.6% | King Philip School District / 29,957 |
| 273. | 16.6% | Shrewsbury School District / 35,001 |
| 274. | 16.6% | Chelmsford School District / 33,368 |
| 275. | 16.6% | Chesterfield-Goshen School District / 2,095 |
| 276. | 16.5% | Williamstown School District / 7,879 |
| 277. | 16.5% | Wrentham School District / 10,812 |
| 278. | 16.5% | Georgetown School District / 7,995 |
| 279. | 16.4% | Hopkinton School District / 14,474 |
| 280. | 16.4% | Bridgewater-Raynham School District / 39,481 |
| 281. | 16.3% | Wilmington School District / 21,891 |
| 282. | 16.3% | Newburyport School District / 17,288 |
| 283. | 16.3% | Andover School District / 32,698 |
| 284. | 16.3% | Hampshire School District / 12,031 |
| 285. | 16.2% | West Springfield School District / 28,287 |
| 286. | 16.1% | Quaboag Regional School District / 8,812 |
| 287. | 16.1% | Williamsburg School District / 2,633 |
| 288. | 16.0% | Westford School District / 21,483 |
| 289. | 15.8% | Groton-Dunstable School District / 13,403 |
| 290. | 15.7% | Grafton School District / 17,281 |
| 291. | 15.5% | South Hadley School District / 17,494 |
| 291. | 15.5% | Northborough-Southborough School District / 23,778 |
| 293. | 15.4% | Mendon-Upton School District / 12,990 |
| 294. | 15.2% | Carlisle School District / 4,766 |
| 295. | 15.1% | Amherst School District / 37,403 |
| 296. | 15.1% | Mansfield School District / 23,051 |
| 297. | 15.1% | Clarksburg School District / 1,886 |
| 297. | 15.1% | North Adams School District in Clarksburg (9-12) / 1,886 |
| 299. | 14.9% | Hopedale School District / 5,902 |
| 300. | 14.9% | Conway School District / 1,917 |
| 301. | 14.7% | Norfolk School District / 11,054 |
| 302. | 14.5% | Mohawk Trail School District in Rowe (7-12) / 387 |
| 302. | 14.5% | Rowe School District / 387 |
| 304. | 14.5% | Southampton School District / 5,718 |
| 305. | 14.2% | Easthampton School District / 16,054 |
| 306. | 14.2% | Belchertown School District / 14,354 |
| 307. | 14.0% | Dudley-Charlton Regional School District / 23,879 |
| 308. | 13.8% | Clinton School District / 13,610 |
| 309. | 13.8% | Mount Greylock/New Lebanon (NY) School Districts in Hancock (7-12) / 718 |
| 309. | 13.8% | Hancock School District / 718 |
| 311. | 13.5% | Littleton School District / 8,697 |
| 312. | 13.5% | Sturbridge School District / 9,037 |
| 313. | 12.8% | Northborough School District / 14,161 |
| 314. | 12.5% | Monson School District / 8,534 |
| 315. | 12.5% | Sutton School District / 8,869 |
| 316. | 11.8% | Southwick-Tolland School District / 9,872 |
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.
