| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 20-30% of Owner Income ▼ | School District / Population |
| 1. | 29.4% | North Adams School District in Monroe (9-12) / 118 |
| 2. | 27.9% | Holbrook School District / 10,925 |
| 3. | 25.3% | Topsfield School District / 6,286 |
| 4. | 24.2% | West Bridgewater School District / 6,981 |
| 5. | 23.7% | Lunenburg School District / 10,797 |
| 6. | 22.8% | Amesbury School District / 16,554 |
| 7. | 22.8% | Hanover School District / 14,120 |
| 8. | 22.5% | Norwell School District / 10,651 |
| 9. | 22.2% | Boxborough School District / 5,102 |
| 10. | 22.0% | Natick School District / 34,230 |
| 11. | 21.8% | Nahant School District / 3,451 |
| 11. | 21.8% | Swampscott School District in Nahant (7-12) / 3,451 |
| 13. | 21.5% | Marblehead School District / 20,163 |
| 14. | 21.4% | Holyoke School District / 40,079 |
| 15. | 21.3% | Halifax School District / 7,629 |
| 16. | 21.1% | Carver School District / 11,541 |
| 17. | 21.0% | Webster School District / 16,806 |
| 18. | 20.9% | Fall River School District / 88,756 |
| 19. | 20.8% | Chelsea School District / 37,084 |
| 20. | 20.8% | Easthampton School District / 16,066 |
| 21. | 20.8% | Edgartown School District / 4,186 |
| 22. | 20.7% | Oxford School District / 13,772 |
| 23. | 20.5% | Bedford School District / 13,788 |
| 24. | 20.3% | Ludlow School District / 21,288 |
| 25. | 20.2% | Fitchburg School District / 40,419 |
| 26. | 20.2% | Northborough School District / 14,644 |
| 27. | 20.1% | Longmeadow School District / 15,858 |
| 28. | 20.0% | Conway School District / 1,663 |
| 29. | 19.8% | Deerfield School District / 5,097 |
| 30. | 19.8% | North Adams School District / 13,563 |
| 30. | 19.8% | Revere School District / 53,258 |
| 32. | 19.3% | Stoughton School District / 27,833 |
| 33. | 19.3% | South Hadley School District / 17,745 |
| 34. | 19.3% | Swansea School District / 16,005 |
| 35. | 19.0% | Williamsburg School District / 2,583 |
| 36. | 19.0% | Fairhaven/New Bedford School Districts in Acushnet (9-12) / 10,329 |
| 36. | 19.0% | Acushnet School District / 10,329 |
| 36. | 19.0% | Salem School District / 42,321 |
| 39. | 18.9% | Milton School District / 27,204 |
| 40. | 18.8% | Oak Bluffs School District / 4,599 |
| 41. | 18.6% | Frontier School District / 11,827 |
| 42. | 18.5% | Hingham School District / 22,550 |
| 43. | 18.4% | Norwood School District / 28,844 |
| 44. | 18.4% | Provincetown School District / 2,959 |
| 45. | 18.3% | Medway School District / 12,965 |
| 46. | 18.0% | Wrentham School District / 11,169 |
| 47. | 17.9% | Winthrop School District / 17,992 |
| 47. | 17.9% | Northborough-Southborough School District / 24,513 |
| 49. | 17.8% | Palmer School District / 12,155 |
| 50. | 17.8% | Ware School District / 9,886 |
| 51. | 17.8% | Bridgewater-Raynham School District / 40,448 |
| 52. | 17.8% | Plymouth School District / 57,414 |
| 53. | 17.7% | Rockland School District / 17,616 |
| 54. | 17.7% | Athol-Royalston School District / 12,847 |
| 55. | 17.7% | East Bridgewater School District / 13,996 |
| 56. | 17.6% | Dartmouth School District / 34,384 |
| 57. | 17.6% | Sandwich School District / 20,605 |
| 58. | 17.6% | Weymouth School District / 54,815 |
| 58. | 17.6% | Saugus School District / 27,369 |
| 60. | 17.4% | Lynn School District / 91,289 |
| 61. | 17.3% | Bellingham School District / 16,564 |
| 62. | 17.3% | Sunderland School District / 3,683 |
| 63. | 17.3% | Wellfleet School District / 3,011 |
| 64. | 17.2% | Walpole School District / 24,571 |
| 65. | 17.2% | Holland School District / 2,491 |
| 66. | 17.1% | Springfield School District / 153,836 |
| 66. | 17.1% | Blackstone-Millville School District / 12,263 |
| 68. | 17.1% | Ashland School District / 16,985 |
| 69. | 17.0% | Littleton School District / 9,157 |
| 70. | 17.0% | Wareham School District / 22,247 |
| 71. | 16.9% | Millis School District / 8,007 |
| 72. | 16.9% | Manchester Essex Regional School District / 8,827 |
| 72. | 16.9% | Plympton School District / 2,840 |
| 74. | 16.9% | Up-Island Regional School District / 3,995 |
| 75. | 16.9% | Erving School District / 1,832 |
| 75. | 16.9% | Gill-Montague School District in Erving (7-12) / 1,832 |
| 77. | 16.9% | Pembroke School District / 18,006 |
| 78. | 16.9% | Worcester School District / 182,511 |
| 78. | 16.9% | Auburn School District / 16,294 |
| 80. | 16.8% | Mattapoisett School District / 6,138 |
| 81. | 16.8% | Taunton School District / 56,056 |
| 82. | 16.8% | Hull School District / 10,324 |
| 83. | 16.7% | Southbridge School District / 16,775 |
| 84. | 16.5% | North Middlesex School District / 24,112 |
| 85. | 16.4% | Pittsfield School District / 44,226 |
| 86. | 16.3% | Masconomet School District / 23,664 |
| 87. | 16.2% | Chicopee School District / 55,603 |
| 88. | 16.2% | Southwick-Tolland School District / 11,686 |
| 89. | 16.2% | Orleans School District / 5,874 |
| 90. | 16.2% | Stoneham School District / 21,611 |
| 91. | 16.2% | Marlborough School District / 39,141 |
| 92. | 16.1% | Hawlemont School District / 1,653 |
| 92. | 16.1% | Mohawk Trail Regional School District in Hawley and Charlemont towns / 1,653 |
| 94. | 16.1% | Adams-Cheshire School District / 11,593 |
| 95. | 15.9% | Martha's Vineyard School District / 16,816 |
| 95. | 15.9% | Gateway School District / 8,898 |
| 97. | 15.9% | Agawam School District / 28,626 |
| 97. | 15.9% | New Bedford School District / 94,873 |
| 99. | 15.9% | Medfield School District / 12,236 |
| 99. | 15.9% | Medford School District / 56,981 |
| 101. | 15.8% | Truro School District / 1,738 |
| 101. | 15.8% | Nauset/Provincetown School Districts in Turo (7-12) / 1,738 |
| 103. | 15.8% | Central Berkshire School District / 13,907 |
| 104. | 15.8% | Woburn School District / 38,826 |
| 105. | 15.7% | Haverhill School District / 61,769 |
| 106. | 15.7% | Pentucket School District / 17,711 |
| 107. | 15.7% | Leominster School District / 40,954 |
| 108. | 15.7% | Andover School District / 34,251 |
| 109. | 15.6% | Hudson School District / 19,464 |
| 109. | 15.6% | Sherborn School District / 4,200 |
| 111. | 15.6% | Watertown School District / 32,880 |
| 112. | 15.5% | Millbury School District / 13,350 |
| 113. | 15.5% | Wilmington School District / 22,907 |
| 114. | 15.4% | North Andover School District / 28,963 |
| 115. | 15.4% | Somerville School District / 77,560 |
| 115. | 15.4% | Adams-Cheshire School District in Savoy (7-12) / 703 |
| 115. | 15.4% | Savoy School District / 703 |
| 118. | 15.4% | Quaboag Regional School District / 8,891 |
| 119. | 15.3% | Winchester School District / 21,863 |
| 120. | 15.2% | Westhampton School District / 1,586 |
| 121. | 15.2% | Framingham School District / 69,900 |
| 122. | 15.2% | Lanesborough School District / 3,302 |
| 123. | 15.2% | Gloucester School District / 29,237 |
| 124. | 15.1% | Grafton School District / 18,047 |
| 125. | 15.1% | Dracut School District / 30,350 |
| 125. | 15.1% | Barnstable School District / 44,750 |
| 127. | 15.1% | Southborough School District / 9,869 |
| 128. | 15.0% | Danvers School District / 27,075 |
| 128. | 15.0% | Milford School District / 28,203 |
| 130. | 15.0% | King Philip School District / 31,279 |
| 131. | 14.9% | Tyngsborough School District / 11,867 |
| 132. | 14.9% | Mashpee School District / 13,988 |
| 133. | 14.9% | Brockton School District / 94,267 |
| 134. | 14.9% | Name N/A / 18,334 |
| 135. | 14.8% | Belchertown School District / 14,774 |
| 135. | 14.8% | Name N/A / 15,120 |
| 137. | 14.8% | Marshfield School District / 25,430 |
| 138. | 14.8% | Methuen School District / 48,159 |
| 139. | 14.8% | Orange School District / 7,793 |
| 140. | 14.7% | Westfield School District / 41,371 |
| 140. | 14.7% | Sharon School District / 17,879 |
| 142. | 14.7% | Dighton-Rehoboth School District / 18,915 |
| 142. | 14.7% | Berlin School District / 2,917 |
| 144. | 14.7% | Rowe School District / 452 |
| 144. | 14.7% | Mohawk Trail School District in Rowe (7-12) / 452 |
| 146. | 14.6% | Wayland School District / 13,294 |
| 146. | 14.6% | Dedham School District / 25,111 |
| 148. | 14.6% | Nashoba School District / 19,886 |
| 149. | 14.5% | Swampscott School District / 13,912 |
| 150. | 14.5% | Belmont School District / 25,173 |
| 151. | 14.5% | Boxford School District / 8,105 |
| 152. | 14.5% | Whately School District / 1,384 |
| 152. | 14.5% | Sudbury School District / 18,197 |
| 154. | 14.4% | Dennis-Yarmouth School District / 37,793 |
| 154. | 14.4% | Westford School District / 22,854 |
| 156. | 14.4% | Whitman-Hanson School District / 24,959 |
| 157. | 14.4% | Concord School District / 18,834 |
| 158. | 14.4% | Nantucket School District / 10,414 |
| 158. | 14.4% | Duxbury School District / 15,208 |
| 160. | 14.4% | Berkshire Hills School District / 10,505 |
| 161. | 14.3% | Spencer-East Brookfield School District / 14,009 |
| 162. | 14.3% | Acton-Boxborough School District / 27,716 |
| 163. | 14.3% | Petersham School District / 1,277 |
| 164. | 14.1% | Silver Lake School District / 23,315 |
| 165. | 14.1% | Wales School District / 1,923 |
| 166. | 14.1% | North Brookfield School District / 4,715 |
| 167. | 14.1% | Westborough School District / 18,481 |
| 168. | 14.0% | Wellesley School District / 28,858 |
| 169. | 14.0% | Franklin School District / 32,393 |
| 170. | 14.0% | Hatfield School District / 3,293 |
| 171. | 13.9% | Chesterfield-Goshen School District / 2,372 |
| 171. | 13.9% | Quincy School District / 92,920 |
| 173. | 13.9% | Nauset School District / 23,675 |
| 174. | 13.9% | Falmouth School District / 31,576 |
| 175. | 13.9% | Reading School District / 25,176 |
| 176. | 13.8% | Brookline School District / 59,016 |
| 177. | 13.8% | Peabody School District / 51,868 |
| 178. | 13.8% | Name N/A / 417,245 |
| 179. | 13.8% | Mohawk Trail School District / 8,603 |
| 180. | 13.8% | Boston School District / 639,594 |
| 181. | 13.7% | Lincoln-Sudbury School District / 25,378 |
| 182. | 13.6% | Norfolk School District / 11,529 |
| 183. | 13.5% | Scituate School District / 18,240 |
| 184. | 13.4% | Waltham School District / 61,908 |
| 184. | 13.4% | Easton School District / 23,548 |
| 186. | 13.4% | Plainville School District / 8,581 |
| 187. | 13.4% | Richmond School District / 1,535 |
| 187. | 13.4% | Pittsfield School District in Richmond (9-12) / 1,535 |
| 189. | 13.4% | Hampshire School District / 12,499 |
| 190. | 13.2% | Narragansett School District / 9,738 |
| 190. | 13.2% | Ralph C. Mahar School District / 11,057 |
| 192. | 13.2% | Tewksbury School District / 29,718 |
| 193. | 13.1% | Triton School District / 21,284 |
| 194. | 13.1% | Hadley School District / 5,285 |
| 195. | 13.0% | Winchendon School District / 10,466 |
| 196. | 13.0% | Middleborough School District / 23,541 |
| 197. | 12.9% | Berkley School District / 6,492 |
| 198. | 12.9% | Lee School District / 6,340 |
| 199. | 12.9% | Brewster School District / 9,858 |
| 200. | 12.8% | Seekonk School District / 14,131 |
| 201. | 12.8% | Chelmsford School District / 34,495 |
| 202. | 12.8% | Pelham School District / 1,350 |
| 203. | 12.7% | West Springfield School District / 28,554 |
| 204. | 12.7% | Leverett School District / 1,836 |
| 205. | 12.7% | Pioneer Valley School District / 6,549 |
| 206. | 12.7% | Braintree School District / 36,543 |
| 207. | 12.6% | Gardner School District / 20,279 |
| 208. | 12.6% | Cambridge School District / 106,844 |
| 209. | 12.6% | Mount Greylock School District / 10,926 |
| 210. | 12.6% | Mansfield School District / 23,389 |
| 211. | 12.5% | Clinton School District / 13,675 |
| 212. | 12.5% | Name N/A / 24,754 |
| 213. | 12.5% | Malden School District / 60,309 |
| 214. | 12.4% | Greenfield School District / 17,484 |
| 215. | 12.4% | Gill-Montague School District / 9,967 |
| 215. | 12.4% | Lenox School District / 5,043 |
| 217. | 12.4% | Old Rochester School District / 16,421 |
| 218. | 12.4% | Douglas School District / 8,578 |
| 218. | 12.4% | Somerset School District / 18,262 |
| 220. | 12.3% | Beverly School District / 40,370 |
| 221. | 12.3% | Cohasset School District / 8,100 |
| 222. | 12.3% | Attleboro School District / 43,774 |
| 223. | 12.2% | Lincoln School District / 7,181 |
| 224. | 12.2% | Newton School District / 86,945 |
| 225. | 12.2% | Sturbridge School District / 9,363 |
| 226. | 12.1% | Acton School District / 22,614 |
| 227. | 12.1% | Northampton School District / 28,637 |
| 228. | 12.1% | Arlington School District / 43,728 |
| 229. | 12.0% | Hamilton-Wenham School District / 13,137 |
| 230. | 12.0% | Melrose School District / 27,509 |
| 231. | 11.9% | Needham School District / 29,540 |
| 232. | 11.9% | Leicester School District / 11,147 |
| 233. | 11.8% | Shrewsbury School District / 36,114 |
| 233. | 11.8% | Tantasqua School District / 20,840 |
| 235. | 11.8% | Lynnfield School District / 12,058 |
| 235. | 11.8% | Lowell School District / 108,491 |
| 237. | 11.7% | Hopkinton School District / 15,604 |
| 238. | 11.7% | Concord-Carlisle School District / 23,801 |
| 239. | 11.5% | Southern Berkshire School District / 7,188 |
| 240. | 11.5% | Ashburnham-Westminster School District / 13,494 |
| 241. | 11.5% | Ipswich School District / 13,480 |
| 242. | 11.5% | North Reading School District / 15,249 |
| 243. | 11.4% | Williamstown School District / 7,624 |
| 244. | 11.3% | Farmington River Regional School District / 2,366 |
| 244. | 11.3% | Lee/Berkshire Hills in Farmington River Regional (7-12) / 2,366 |
| 246. | 11.3% | Everett School District / 42,758 |
| 247. | 11.3% | Lexington School District / 32,306 |
| 248. | 11.2% | Westwood School District / 14,809 |
| 249. | 11.2% | Northbridge School District / 16,100 |
| 250. | 11.1% | Uxbridge School District / 13,609 |
| 251. | 11.0% | Middleton School District / 9,273 |
| 252. | 10.9% | Marion School District / 4,935 |
| 253. | 10.9% | Wachusett School District / 42,131 |
| 254. | 10.9% | Dudley-Charlton Regional School District / 24,759 |
| 255. | 10.8% | Eastham School District / 4,932 |
| 256. | 10.8% | Maynard School District / 10,314 |
| 257. | 10.7% | Mendon-Upton School District / 13,536 |
| 258. | 10.6% | Newburyport School District / 17,662 |
| 259. | 10.5% | Georgetown School District / 8,379 |
| 260. | 10.4% | Billerica School District / 41,446 |
| 261. | 10.4% | Brimfield School District / 3,667 |
| 262. | 10.3% | Southampton School District / 5,958 |
| 263. | 10.3% | Fairhaven School District / 15,971 |
| 264. | 10.2% | Dover-Sherborn School District / 9,927 |
| 265. | 10.1% | Shutesbury School District / 1,804 |
| 266. | 10.1% | Bourne School District / 19,749 |
| 267. | 10.0% | Westport School District / 15,647 |
| 268. | 10.0% | Canton School District / 22,036 |
| 269. | 9.9% | Amherst-Pelham School District / 44,250 |
| 270. | 9.7% | Sutton School District / 9,078 |
| 271. | 9.7% | West Boylston School District / 7,792 |
| 272. | 9.7% | Avon School District / 4,421 |
| 273. | 9.6% | Rockport School District / 7,078 |
| 274. | 9.5% | Randolph School District / 33,135 |
| 275. | 9.5% | East Longmeadow School District / 15,917 |
| 276. | 9.5% | North Adams School District in Clarksburg (9-12) / 1,580 |
| 276. | 9.5% | Clarksburg School District / 1,580 |
| 278. | 9.5% | Burlington School District / 25,190 |
| 279. | 9.4% | Lawrence School District / 77,364 |
| 280. | 9.4% | Hampden-Wilbraham School District / 19,537 |
| 281. | 9.2% | Holliston School District / 14,008 |
| 282. | 9.2% | North Attleborough School District / 28,779 |
| 283. | 9.1% | Amherst School District / 39,260 |
| 284. | 9.0% | Norton School District / 19,280 |
| 284. | 9.0% | Groton-Dunstable School District / 14,296 |
| 286. | 9.0% | Rochester School District / 5,348 |
| 287. | 8.7% | Quabbin School District / 15,772 |
| 288. | 8.3% | Wakefield School District / 25,835 |
| 289. | 7.9% | Brookfield School District / 3,396 |
| 290. | 7.7% | Gosnold School District / 99 |
| 291. | 7.6% | Dover School District / 5,727 |
| 292. | 7.5% | Berlin-Boylston School District / 7,316 |
| 293. | 7.5% | Freetown-Lakeville School District / 19,890 |
| 294. | 7.4% | Kingston School District / 12,846 |
| 295. | 7.1% | New Salem-Wendell School District / 1,987 |
| 296. | 7.0% | Harvard School District / 6,558 |
| 297. | 7.0% | Monson School District / 8,660 |
| 298. | 6.9% | Foxborough School District / 17,129 |
| 299. | 6.4% | Hancock School District / 726 |
| 299. | 6.4% | Mount Greylock/New Lebanon (NY) School Districts in Hancock (7-12) / 726 |
| 301. | 5.9% | Tisbury School District / 4,036 |
| 302. | 5.9% | Abington School District / 16,081 |
| 303. | 5.5% | Hopedale School District / 5,934 |
| 304. | 5.5% | Florida School District / 906 |
| 305. | 5.3% | Weston School District / 11,704 |
| 306. | 4.6% | Granby School District / 6,301 |
| 307. | 3.3% | Boylston School District / 4,399 |
| 308. | 1.8% | North Adams School District in Florida (9-12) / 788 |
| 309. | 1.4% | Carlisle School District / 4,967 |
Please note that we only rank locations with 'Percentage of Houses without a Mortgage where Total Holding Costs 20-30% 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 20-30% of Owner Income' data are not listed.
