| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 50.0% | Sigel Township School District 6 / 73 |
| 2. | 48.4% | Whitefish Township Schools / 521 |
| 3. | 42.9% | Sigel Township School District 3F / 85 |
| 3. | 42.9% | Elm River Township School District / 138 |
| 5. | 42.0% | Hamtramck Public Schools / 20,971 |
| 6. | 40.7% | Burt Township School District / 431 |
| 7. | 40.5% | Beaver Island Community School / 454 |
| 8. | 40.0% | Grant Township School District 2 / 116 |
| 9. | 39.1% | Bois Blanc Pines School District / 85 |
| 10. | 38.5% | Muskegon Heights School District / 11,470 |
| 11. | 37.4% | New Buffalo Area School District / 4,824 |
| 12. | 36.5% | Detroit City School District / 916,133 |
| 13. | 36.4% | Ecorse Public School District / 10,171 |
| 14. | 35.9% | Free Soil Community Schools / 1,051 |
| 15. | 33.6% | Highland Park City Schools / 14,623 |
| 16. | 33.3% | Sigel Township School District 4F / 57 |
| 16. | 33.3% | Alba Public Schools / 1,104 |
| 18. | 33.3% | Covert Public Schools / 3,267 |
| 19. | 33.3% | Hillman Community Schools / 3,828 |
| 20. | 33.1% | River Rouge School District / 8,683 |
| 21. | 32.4% | Bangor Township School District 8 / 333 |
| 22. | 31.8% | Baldwin Community Schools / 7,243 |
| 23. | 31.6% | Carsonville-Port Sanilac School District / 3,471 |
| 24. | 31.6% | Central Lake Public Schools / 3,774 |
| 25. | 31.4% | Glen Lake Community Schools / 5,190 |
| 26. | 30.7% | Big Jackson School District / 424 |
| 27. | 30.6% | Marlette Community Schools / 7,147 |
| 28. | 30.5% | Webberville Community Schools / 3,695 |
| 29. | 30.4% | DeTour Area Schools / 1,961 |
| 30. | 30.4% | Dearborn City School District / 95,698 |
| 31. | 30.4% | Arvon Township School District / 346 |
| 32. | 30.2% | Stanton Township Public Schools / 1,203 |
| 33. | 30.2% | Inkster City School District / 9,124 |
| 34. | 30.1% | Hale Area Schools / 5,628 |
| 35. | 30.0% | Whittemore-Prescott Area Schools / 6,834 |
| 36. | 30.0% | Mancelona Public Schools / 6,937 |
| 37. | 29.7% | Houghton Lake Community School District / 15,320 |
| 38. | 29.3% | North Huron School District / 3,557 |
| 39. | 29.2% | Crestwood School District / 26,389 |
| 40. | 29.2% | Beecher Community School District / 10,337 |
| 41. | 28.9% | Saginaw City School District / 60,879 |
| 42. | 28.6% | Morrice Area Schools / 4,052 |
| 43. | 28.6% | Verona Township School District 1F / 185 |
| 44. | 28.5% | Vassar Public Schools / 9,130 |
| 45. | 28.5% | Akron-Fairgrove Schools / 3,173 |
| 46. | 28.4% | Manton Consolidated Schools / 5,125 |
| 47. | 28.3% | Mason County Eastern Schools / 3,574 |
| 48. | 28.2% | Kaleva Norman Dickson School District / 5,112 |
| 49. | 28.1% | Kingston Community School District / 3,662 |
| 50. | 28.0% | Deckerville Community School District / 4,481 |
| 51. | 28.0% | Elk Rapids Schools / 9,001 |
| 52. | 27.8% | Cass City Public Schools / 8,234 |
| 52. | 27.8% | Alcona Community Schools / 7,370 |
| 54. | 27.7% | Hazel Park City School District / 22,807 |
| 55. | 27.5% | Mesick Consolidated Schools / 4,933 |
| 56. | 27.4% | Southfield Public School District / 72,857 |
| 57. | 27.3% | Westwood Heights Schools / 5,472 |
| 58. | 27.3% | Montrose Community Schools / 7,716 |
| 59. | 27.2% | Gerrish-Higgins School District / 12,994 |
| 60. | 27.0% | Watersmeet Township School District / 1,423 |
| 61. | 26.9% | Forest Area Community Schools / 5,738 |
| 62. | 26.8% | Farwell Area Schools / 10,641 |
| 63. | 26.8% | Lake City Area School District / 8,184 |
| 64. | 26.8% | Lake Fenton Community Schools / 10,838 |
| 64. | 26.8% | Benzie County Central School / 13,955 |
| 66. | 26.7% | Hesperia Community Schools / 5,650 |
| 67. | 26.7% | Harrison Community Schools / 13,254 |
| 67. | 26.7% | Saugatuck Public Schools / 4,349 |
| 69. | 26.6% | Bad Axe Public Schools / 6,571 |
| 70. | 26.6% | Kent City Community Schools / 7,501 |
| 71. | 26.4% | Pontiac City School District / 83,421 |
| 72. | 26.3% | Fennville Public Schools / 8,886 |
| 73. | 26.2% | Northport Public School District / 1,955 |
| 73. | 26.2% | Brown City Community School District / 5,079 |
| 75. | 26.2% | Palo Community School District / 998 |
| 76. | 26.2% | Pittsford Area Schools / 3,505 |
| 77. | 26.1% | Bear Lake School District / 2,117 |
| 78. | 26.1% | Atlanta Community Schools / 3,769 |
| 79. | 26.0% | Pellston Public Schools / 5,652 |
| 80. | 26.0% | Bloomfield Township School District 7F / 217 |
| 81. | 26.0% | West Branch-Rose City Area Schools / 16,767 |
| 82. | 25.9% | Chassell Township School District / 1,663 |
| 83. | 25.9% | Tekonsha Community Schools / 2,145 |
| 84. | 25.9% | Bellaire Public Schools / 3,767 |
| 85. | 25.8% | Greenville Public Schools / 22,448 |
| 86. | 25.8% | Buckley Community School District / 2,659 |
| 87. | 25.7% | Kalkaska Public Schools / 12,766 |
| 88. | 25.7% | West Bloomfield School District / 33,995 |
| 88. | 25.7% | Marion Public Schools / 4,206 |
| 90. | 25.6% | Crawford AuSable Schools / 12,564 |
| 91. | 25.5% | Manistique Area Schools / 7,570 |
| 92. | 25.5% | Hart Public School District / 9,201 |
| 93. | 25.2% | Stockbridge Community Schools / 10,228 |
| 94. | 25.2% | Flint City School District / 114,367 |
| 95. | 25.1% | Inland Lakes Schools / 6,179 |
| 96. | 25.1% | Standish-Sterling Community School District / 11,071 |
| 97. | 25.0% | Berlin Township School District 3 / 343 |
| 97. | 25.0% | Autrain-Onota Public Schools / 717 |
| 99. | 24.9% | Big Bay de Noc School District / 2,032 |
| 100. | 24.9% | Oak Park City School District / 21,665 |
| 100. | 24.9% | Boyne City Public Schools / 8,234 |
| 100. | 24.9% | Westwood Community Schools / 16,695 |
| 103. | 24.9% | Littlefield Schools / 3,373 |
| 104. | 24.8% | Gladwin Community Schools / 14,386 |
| 105. | 24.8% | Mason County Central Schools / 8,264 |
| 106. | 24.8% | Oscoda Area Schools / 12,884 |
| 107. | 24.7% | Van Dyke Public Schools / 21,002 |
| 108. | 24.6% | Grass Lake Community Schools / 6,420 |
| 109. | 24.6% | Caseville Public Schools / 2,355 |
| 110. | 24.5% | East Jordan Public Schools / 6,523 |
| 111. | 24.5% | Evart Public Schools / 6,912 |
| 111. | 24.5% | Dearborn Heights School District 7 / 12,442 |
| 113. | 24.5% | Napoleon Community Schools / 8,493 |
| 114. | 24.5% | Yale Public Schools / 11,696 |
| 115. | 24.4% | Tri County Area Schools / 12,921 |
| 116. | 24.3% | Fitzgerald Public Schools / 17,909 |
| 117. | 24.1% | Lakeview Community Schools / 11,011 |
| 117. | 24.1% | White Cloud Public Schools / 7,808 |
| 119. | 24.1% | Ubly Community Schools / 4,236 |
| 119. | 24.1% | Capac Community School District / 8,730 |
| 119. | 24.1% | Adams Township School District / 2,896 |
| 122. | 24.1% | Springport Public Schools / 5,995 |
| 123. | 24.0% | Republic-Michigamme Schools / 1,350 |
| 123. | 24.0% | Buena Vista School District / 8,172 |
| 125. | 24.0% | Nottawa Community School / 2,189 |
| 126. | 24.0% | Godwin Heights Public Schools / 11,688 |
| 127. | 23.9% | Mount Morris Consolidated School District / 15,656 |
| 128. | 23.9% | Whiteford Agricultural School District / 4,322 |
| 129. | 23.9% | Durand Area Schools / 11,964 |
| 130. | 23.8% | Benton Harbor Area Schools / 32,484 |
| 131. | 23.8% | Petoskey Public Schools / 18,751 |
| 132. | 23.8% | Cheboygan Area Schools / 14,681 |
| 132. | 23.8% | McBain Rural Agricultural Schools / 5,919 |
| 134. | 23.8% | Onaway Area Community School District / 5,429 |
| 135. | 23.7% | Hartford Public School District / 6,558 |
| 136. | 23.7% | Romulus Community Schools / 21,198 |
| 137. | 23.7% | Walkerville Rural Community School District / 1,478 |
| 138. | 23.7% | Morley Stanwood Community Schools / 9,213 |
| 139. | 23.7% | Muskegon City School District / 37,999 |
| 140. | 23.6% | Bloomingdale Public School District / 8,707 |
| 141. | 23.6% | Harbor Springs School District / 7,060 |
| 142. | 23.6% | Fairview Area School District / 2,543 |
| 143. | 23.5% | Camden-Frontier School District / 3,931 |
| 144. | 23.5% | East Detroit Public Schools / 37,554 |
| 145. | 23.4% | Lakeville Community Schools / 12,307 |
| 146. | 23.4% | Decatur Public Schools / 5,887 |
| 147. | 23.3% | Croswell-Lexington Community School District / 14,587 |
| 148. | 23.3% | Harper Woods City Schools / 7,965 |
| 149. | 23.2% | Bloomfield Hills School District / 36,586 |
| 150. | 23.2% | North Dickinson County Schools / 2,460 |
| 151. | 23.1% | Ewen-Trout Creek Consolidated Schools / 2,779 |
| 152. | 23.1% | Quincy Community School District / 7,571 |
| 153. | 23.0% | Manchester Community Schools / 7,434 |
| 154. | 22.9% | Posen Consolidated School District / 1,958 |
| 155. | 22.9% | Newaygo Public School District / 10,303 |
| 156. | 22.8% | Mount Clemens Community School District / 21,830 |
| 157. | 22.8% | Flat Rock Community Schools / 10,397 |
| 158. | 22.8% | South Lake Schools / 21,285 |
| 159. | 22.7% | Clintondale Community Schools / 16,172 |
| 160. | 22.7% | Leslie Public Schools / 7,253 |
| 161. | 22.7% | Algonac Community School District / 16,503 |
| 162. | 22.7% | Allegan Public Schools / 17,377 |
| 163. | 22.7% | Chippewa Hills School District / 18,890 |
| 164. | 22.6% | Mayville Community School District / 7,112 |
| 165. | 22.6% | Grosse Ile Township Schools / 10,118 |
| 166. | 22.6% | Wells Township School District / 310 |
| 166. | 22.6% | Albion Public Schools / 12,512 |
| 168. | 22.4% | North Muskegon Public Schools / 3,955 |
| 169. | 22.4% | Olivet Community Schools / 7,093 |
| 170. | 22.3% | Ashley Community Schools / 1,925 |
| 171. | 22.3% | Memphis Community Schools / 5,664 |
| 172. | 22.3% | Summerfield School District / 4,672 |
| 173. | 22.3% | Suttons Bay Public Schools / 5,857 |
| 174. | 22.3% | Taylor School District / 64,784 |
| 175. | 22.3% | Carson City-Crystal Area School District / 9,994 |
| 176. | 22.3% | Romeo Community Schools / 32,599 |
| 177. | 22.3% | Cadillac Area Public Schools / 20,958 |
| 178. | 22.2% | Ellsworth Community Schools / 1,716 |
| 179. | 22.2% | Kingsley Area Schools / 7,593 |
| 180. | 22.1% | Warren Consolidated Schools / 113,135 |
| 181. | 22.1% | Caro Community Schools / 11,672 |
| 182. | 22.0% | Johannesburg-Lewiston Area School District / 5,853 |
| 183. | 22.0% | Vestaburg Community Schools / 4,157 |
| 184. | 21.9% | Mid Peninsula School District / 1,969 |
| 185. | 21.9% | Ferndale Public Schools / 25,949 |
| 186. | 21.9% | Marshall Public Schools / 13,622 |
| 187. | 21.9% | Byron Area Schools / 6,554 |
| 188. | 21.9% | Corunna Public School District / 10,360 |
| 189. | 21.8% | Au Gres-Sims School District / 3,592 |
| 190. | 21.8% | Leland Public School District / 4,009 |
| 191. | 21.8% | Fremont Public School District / 13,966 |
| 192. | 21.8% | Hamilton Community Schools / 14,727 |
| 193. | 21.7% | Reed City Area Public Schools / 11,467 |
| 194. | 21.7% | Waterford School District / 76,898 |
| 195. | 21.7% | Grosse Pointe Public Schools / 47,902 |
| 196. | 21.6% | Imlay City Community Schools / 12,223 |
| 197. | 21.6% | Belding Area School District / 12,720 |
| 198. | 21.5% | Walled Lake Consolidated Schools / 96,659 |
| 199. | 21.5% | North Adams-Jerome Schools / 3,518 |
| 200. | 21.4% | Bridgeport-Spaulding Community School District / 13,047 |
| 201. | 21.4% | Cassopolis Public Schools / 8,530 |
| 201. | 21.4% | Constantine Public School District / 7,848 |
| 201. | 21.4% | Elkton-Pigeon-Bay Port Schools / 6,970 |
| 204. | 21.4% | Port Huron Area School District / 69,180 |
| 205. | 21.3% | Godfrey-Lee Public Schools / 6,304 |
| 206. | 21.2% | Sandusky Community School District / 7,154 |
| 207. | 21.2% | Clarenceville School District / 11,167 |
| 208. | 21.1% | Armada Area Schools / 9,445 |
| 209. | 21.1% | Bangor Public Schools / 6,480 |
| 209. | 21.1% | Pine River Area Schools / 7,476 |
| 211. | 21.1% | Name N/A / 14,105 |
| 211. | 21.1% | Tahquamenon Area Schools / 8,189 |
| 213. | 21.1% | Holly Area School District / 28,189 |
| 214. | 21.0% | Grand Rapids Public Schools / 187,050 |
| 215. | 21.0% | Pinconning Area Schools / 12,164 |
| 216. | 20.9% | Columbia School District / 12,259 |
| 216. | 20.9% | Holton Public Schools / 7,036 |
| 218. | 20.9% | Colon Community School District / 5,836 |
| 219. | 20.9% | Traverse City Area Public Schools / 76,476 |
| 219. | 20.9% | Dryden Community Schools / 4,296 |
| 221. | 20.9% | Oakridge Public Schools / 9,903 |
| 222. | 20.8% | Britton-Macon Area School District / 2,356 |
| 222. | 20.8% | Port Hope Community Schools / 1,059 |
| 224. | 20.7% | Richmond Community Schools / 12,840 |
| 225. | 20.7% | Mackinac Island Public Schools / 344 |
| 226. | 20.7% | Atherton Community Schools / 7,576 |
| 227. | 20.6% | Southgate Community School District / 29,817 |
| 228. | 20.6% | Jonesville Community Schools / 5,862 |
| 229. | 20.5% | Wyandotte City School District / 25,472 |
| 230. | 20.5% | Alma Public Schools / 15,513 |
| 230. | 20.5% | South Haven Public Schools / 14,735 |
| 232. | 20.5% | Montabella Community Schools / 7,328 |
| 233. | 20.5% | Fowlerville Community Schools / 16,594 |
| 233. | 20.5% | Boyne Falls Public School District / 1,859 |
| 235. | 20.5% | Lakeview Public Schools / 19,904 |
| 236. | 20.5% | East China School District / 31,052 |
| 237. | 20.4% | Almont Community Schools / 9,280 |
| 238. | 20.3% | Merrill Community Schools / 5,220 |
| 238. | 20.3% | Roseville Community Schools / 43,133 |
| 240. | 20.3% | Central Montcalm Public Schools / 11,204 |
| 240. | 20.3% | Charlevoix Public Schools / 9,175 |
| 242. | 20.2% | River Valley School District / 8,507 |
| 243. | 20.2% | Genesee School District / 3,941 |
| 244. | 20.2% | Adrian City School District / 30,691 |
| 245. | 20.2% | Essexville-Hampton Public Schools / 8,858 |
| 246. | 20.1% | Ovid-Elsie Area Schools / 8,820 |
| 247. | 20.0% | Ionia Public Schools / 22,474 |
| 248. | 20.0% | Homer Community Schools / 4,432 |
| 248. | 20.0% | Center Line Public Schools / 19,517 |
| 250. | 20.0% | Bellevue Community Schools / 5,845 |
| 251. | 20.0% | Wolverine Community Schools / 2,863 |
| 252. | 19.9% | Martin Public Schools / 5,344 |
| 252. | 19.9% | Frankfort-Elberta Area Schools / 4,047 |
| 254. | 19.9% | Tawas Area Schools / 11,258 |
| 254. | 19.9% | Bridgman Public Schools / 5,470 |
| 256. | 19.9% | Lake Shore Public Schools / 22,260 |
| 257. | 19.9% | Millington Community Schools / 9,441 |
| 258. | 19.9% | Fulton Schools / 4,206 |
| 259. | 19.8% | Wayne-Westland Community School District / 91,079 |
| 260. | 19.8% | Deerfield Public Schools / 1,781 |
| 261. | 19.8% | Kalamazoo Public School District / 105,425 |
| 261. | 19.8% | Hancock Public Schools / 6,605 |
| 263. | 19.7% | Bronson Community School District / 7,706 |
| 264. | 19.7% | Shepherd Public School District / 8,312 |
| 265. | 19.7% | Carney-Nadeau Public Schools / 1,333 |
| 266. | 19.6% | Birmingham City School District / 55,505 |
| 267. | 19.6% | Milan Area Schools / 15,382 |
| 268. | 19.6% | Onekama Consolidated Schools / 3,400 |
| 269. | 19.6% | Ravenna Public Schools / 5,943 |
| 270. | 19.5% | St. Charles Community Schools / 6,413 |
| 271. | 19.5% | Ludington Area School District / 15,555 |
| 272. | 19.5% | Reading Community Schools / 5,036 |
| 273. | 19.5% | Les Cheneaux Community Schools / 2,067 |
| 273. | 19.5% | Shelby Public Schools / 8,412 |
| 275. | 19.5% | Carman-Ainsworth Community School District / 32,772 |
| 276. | 19.4% | Pentwater Public School District / 1,899 |
| 277. | 19.4% | Bendle Public Schools / 5,546 |
| 278. | 19.4% | Dowagiac Union Schools / 15,600 |
| 279. | 19.4% | Beaverton Rural Schools / 10,105 |
| 280. | 19.4% | Big Rapids Public Schools / 18,456 |
| 281. | 19.4% | Lowell Area Schools / 21,447 |
| 281. | 19.4% | Mason Consolidated Schools / 7,985 |
| 283. | 19.4% | Lapeer Community Schools / 42,996 |
| 283. | 19.4% | Huron Valley Schools / 59,423 |
| 285. | 19.3% | Lansing Public School District / 121,089 |
| 286. | 19.3% | Coleman Community School District / 5,662 |
| 287. | 19.3% | Madison School District / 6,173 |
| 288. | 19.3% | Breckenridge Community Schools / 5,636 |
| 289. | 19.3% | Howell Public Schools / 52,017 |
| 290. | 19.2% | Orchard View Schools / 17,967 |
| 291. | 19.2% | Lamphere Public Schools / 16,859 |
| 291. | 19.2% | Whitehall School District / 12,470 |
| 293. | 19.2% | North Branch Area Schools / 12,389 |
| 294. | 19.2% | Bark River-Harris School District / 3,280 |
| 294. | 19.2% | Forest Park School District / 4,474 |
| 294. | 19.2% | Alpena Public Schools / 31,426 |
| 297. | 19.2% | Moran Township School District / 898 |
| 298. | 19.2% | Brandon School District / 17,231 |
| 299. | 19.2% | Lincoln Park Public Schools / 36,241 |
| 300. | 19.1% | Waldron Area Schools / 2,132 |
| 300. | 19.1% | Warren Woods Public Schools / 21,368 |
| 302. | 19.1% | Delton-Kellogg School District / 12,643 |
| 303. | 19.1% | Rogers City Area Schools / 5,743 |
| 304. | 19.1% | Marcellus Community Schools / 5,077 |
| 305. | 19.0% | Eau Claire Public Schools / 3,732 |
| 306. | 19.0% | Fraser Public Schools / 28,234 |
| 307. | 19.0% | Avondale School District / 25,545 |
| 308. | 18.9% | Van Buren Public Schools / 46,046 |
| 309. | 18.9% | Gobles Public School District / 5,561 |
| 310. | 18.9% | South Redford School District / 21,237 |
| 311. | 18.9% | South Lyon Community Schools / 39,480 |
| 312. | 18.8% | Garden City School District / 27,814 |
| 312. | 18.8% | Meridian Public Schools / 10,511 |
| 312. | 18.8% | Rudyard Area Schools / 10,826 |
| 315. | 18.8% | Wakefield-Marenisco School District / 4,078 |
| 316. | 18.8% | Airport Community School District / 20,958 |
| 317. | 18.8% | Caledonia Community Schools / 20,966 |
| 318. | 18.8% | Sturgis Public Schools / 16,700 |
| 318. | 18.8% | Coloma Community Schools / 10,308 |
| 320. | 18.8% | New Lothrop Area Public School / 3,843 |
| 320. | 18.8% | Vanderbilt Area Schools / 2,185 |
| 322. | 18.6% | Ida Public School District / 7,417 |
| 323. | 18.6% | Gaylord Community Schools / 20,084 |
| 324. | 18.6% | Farmington Public School District / 82,850 |
| 325. | 18.6% | Willow Run Community Schools / 18,918 |
| 326. | 18.6% | Melvindale-North Allen Park School District / 15,674 |
| 326. | 18.6% | Utica Community Schools / 172,791 |
| 328. | 18.5% | Harbor Beach Community Schools / 4,842 |
| 328. | 18.5% | Clinton Community Schools / 6,324 |
| 330. | 18.5% | White Pigeon Community Schools / 6,841 |
| 331. | 18.5% | Hudson Area Schools / 5,899 |
| 331. | 18.5% | Battle Creek Public Schools / 44,706 |
| 331. | 18.5% | Otsego Public Schools / 13,749 |
| 334. | 18.5% | Hanover-Horton Schools / 7,020 |
| 334. | 18.5% | Bentley Community Schools / 6,420 |
| 336. | 18.5% | Lawton Community School District / 5,990 |
| 337. | 18.5% | Morenci Area Schools / 4,266 |
| 338. | 18.4% | Centreville Public Schools / 5,471 |
| 339. | 18.4% | Grant Public School District / 9,835 |
| 339. | 18.4% | Bath Community Schools / 8,223 |
| 341. | 18.4% | Chippewa Valley Schools / 94,351 |
| 342. | 18.4% | Swartz Creek Community Schools / 23,882 |
| 343. | 18.3% | Arenac Eastern School District / 2,104 |
| 343. | 18.3% | Ypsilanti School District / 42,268 |
| 345. | 18.3% | Holland City School District / 37,894 |
| 346. | 18.2% | West Ottawa Public School District / 47,025 |
| 347. | 18.2% | Riverview Community School District / 12,640 |
| 348. | 18.1% | Chesaning Union Schools / 11,738 |
| 349. | 18.1% | Peck Community School District / 2,637 |
| 350. | 18.1% | Niles Community School District / 23,381 |
| 351. | 18.1% | New Haven Community Schools / 11,742 |
| 351. | 18.1% | Madison Public Schools / 12,675 |
| 351. | 18.1% | L'Anse Creuse Public Schools / 69,632 |
| 354. | 18.1% | Jackson Public Schools / 57,274 |
| 355. | 18.0% | West Iron County Public Schools / 7,449 |
| 356. | 17.9% | Haslett Public Schools / 15,847 |
| 357. | 17.9% | Northwest School District / 24,893 |
| 358. | 17.9% | Montague Area Public Schools / 8,748 |
| 359. | 17.9% | North Central Area Schools / 2,875 |
| 359. | 17.9% | Swan Valley School District / 9,541 |
| 361. | 17.9% | Union City Community Schools / 6,227 |
| 362. | 17.8% | Anchor Bay School District / 38,539 |
| 362. | 17.8% | Hillsdale Community Schools / 14,564 |
| 364. | 17.8% | Ann Arbor Public Schools / 163,198 |
| 365. | 17.7% | Laingsburg Community School District / 5,660 |
| 366. | 17.6% | Gibraltar School District / 20,012 |
| 366. | 17.6% | Dundee Community Schools / 8,871 |
| 366. | 17.6% | Onsted Community Schools / 9,753 |
| 369. | 17.6% | Mackinaw City Public Schools / 1,302 |
| 370. | 17.6% | Woodhaven-Brownstown School District / 31,605 |
| 371. | 17.6% | Goodrich Area Schools / 9,386 |
| 372. | 17.5% | Ionia Township School District 2 / 798 |
| 373. | 17.5% | Portland Public School District / 11,164 |
| 373. | 17.5% | Owendale-Gagetown Area Schools / 1,641 |
| 373. | 17.5% | Thornapple Kellogg School District / 13,682 |
| 376. | 17.5% | Huron School District / 13,844 |
| 377. | 17.4% | Mount Pleasant City School District / 43,944 |
| 377. | 17.4% | Engadine Consolidated Schools / 1,907 |
| 379. | 17.4% | Lakeview School District / 22,718 |
| 379. | 17.4% | Hastings Area School District / 18,967 |
| 381. | 17.3% | Clarkston Community School District / 42,055 |
| 382. | 17.2% | Ithaca Public Schools / 7,670 |
| 383. | 17.1% | Paw Paw Public School District / 12,928 |
| 383. | 17.1% | Sparta Area Schools / 14,812 |
| 385. | 17.1% | Unionville-Sebewaing Area School District / 5,708 |
| 385. | 17.1% | Pinckney Community Schools / 26,261 |
| 387. | 17.0% | Kelloggsville Public Schools / 12,221 |
| 388. | 17.0% | Chelsea School District / 16,492 |
| 389. | 17.0% | Bay City School District / 71,213 |
| 389. | 17.0% | Whitmore Lake Public Schools / 9,424 |
| 391. | 17.0% | Kearsley Community Schools / 17,547 |
| 391. | 17.0% | Mattawan Consolidated School / 16,673 |
| 393. | 17.0% | Lakewood Public Schools / 13,687 |
| 394. | 16.9% | Saline Area Schools / 24,904 |
| 394. | 16.9% | Lake Orion Community Schools / 39,606 |
| 396. | 16.9% | Gladstone Area Schools / 9,830 |
| 396. | 16.9% | Stephenson Area Public Schools / 5,905 |
| 398. | 16.9% | Linden Community Schools / 17,542 |
| 398. | 16.9% | Ironwood Area Schools / 7,661 |
| 400. | 16.8% | Burr Oak Community School District / 1,716 |
| 400. | 16.8% | Davison Community Schools / 31,293 |
| 402. | 16.8% | Grand Haven Area Public Schools / 39,238 |
| 402. | 16.8% | Ontonagon Area Schools / 3,592 |
| 404. | 16.8% | Fenton Area Public Schools / 21,128 |
| 404. | 16.8% | Addison Community Schools / 8,026 |
| 406. | 16.8% | Manistee Area Schools / 13,099 |
| 407. | 16.7% | Ganges School District 4 / 395 |
| 408. | 16.6% | Oxford Area Community Schools / 23,258 |
| 409. | 16.6% | Spring Lake Public Schools / 12,383 |
| 410. | 16.6% | Beal City Public Schools / 2,644 |
| 411. | 16.6% | Blissfield Community Schools / 7,897 |
| 412. | 16.6% | Mio-AuSable Schools / 5,827 |
| 413. | 16.5% | Royal Oak City School District / 57,735 |
| 414. | 16.5% | St. Ignace Area Schools / 4,158 |
| 415. | 16.5% | Athens Area Schools / 4,860 |
| 416. | 16.5% | Northview Public School District / 16,417 |
| 416. | 16.5% | Tecumseh Public Schools / 17,898 |
| 418. | 16.4% | Holt Public Schools / 29,849 |
| 419. | 16.4% | Carrollton School District / 6,044 |
| 420. | 16.3% | Frankenmuth School District / 9,348 |
| 421. | 16.3% | Breitung Township Schools / 11,274 |
| 422. | 16.3% | Redford Union School District / 24,942 |
| 423. | 16.2% | Rapid River Public Schools / 2,815 |
| 423. | 16.2% | Clio Area School District / 20,933 |
| 425. | 16.2% | Monroe Public Schools / 49,103 |
| 426. | 16.2% | Marysville Public Schools / 14,067 |
| 426. | 16.2% | Wyoming Public Schools / 35,526 |
| 428. | 16.1% | Dansville Schools / 5,083 |
| 429. | 16.1% | Houghton-Portage Township Schools / 9,528 |
| 430. | 16.1% | Bullock Creek School District / 10,198 |
| 431. | 16.1% | Mason Public Schools / 18,678 |
| 432. | 16.1% | East Jackson Community Schools / 8,291 |
| 433. | 16.0% | Mona Shores Public School District / 22,707 |
| 433. | 16.0% | Superior Central Schools / 2,186 |
| 435. | 16.0% | Grand Ledge Public Schools / 33,164 |
| 436. | 16.0% | Livonia Public Schools / 109,649 |
| 436. | 16.0% | Hemlock Public School District / 9,844 |
| 438. | 15.9% | Birch Run Area School District / 9,543 |
| 439. | 15.9% | St. Louis Public Schools / 10,578 |
| 440. | 15.9% | Mendon Community School District / 3,699 |
| 441. | 15.8% | Coopersville Public School District / 12,269 |
| 442. | 15.8% | Harper Creek Community Schools / 15,407 |
| 443. | 15.7% | Dexter Community School District / 18,640 |
| 444. | 15.7% | Rochester Community School District / 85,881 |
| 444. | 15.7% | Munising Public Schools / 6,188 |
| 446. | 15.6% | Charlotte Public Schools / 18,899 |
| 447. | 15.5% | Iron Mountain Public Schools / 7,773 |
| 448. | 15.5% | Bedford Public Schools / 31,316 |
| 449. | 15.4% | Mar Lee School District / 1,614 |
| 450. | 15.4% | Reese Public Schools / 6,450 |
| 451. | 15.3% | White Pine School District / 836 |
| 452. | 15.3% | Portage Public Schools / 50,903 |
| 453. | 15.3% | Wayland Union Schools / 18,185 |
| 454. | 15.3% | Saginaw Township Community Schools / 38,929 |
| 455. | 15.2% | Potterville Public Schools / 5,208 |
| 456. | 15.1% | Watervliet School District / 6,968 |
| 457. | 15.1% | Cedar Springs Public Schools / 18,361 |
| 458. | 15.1% | Reeths-Puffer Schools / 21,198 |
| 459. | 15.0% | Excelsior Township School District 1 / 361 |
| 460. | 15.0% | Owosso Public Schools / 24,871 |
| 461. | 15.0% | Flushing Community Schools / 26,455 |
| 462. | 15.0% | Baraga Area Schools / 3,992 |
| 463. | 14.9% | Lincoln Consolidated School District / 29,502 |
| 463. | 14.9% | Plainwell Community Schools / 15,638 |
| 465. | 14.9% | Williamston Community Schools / 10,249 |
| 466. | 14.9% | Maple Valley Schools / 8,730 |
| 466. | 14.9% | Western School District / 13,280 |
| 468. | 14.8% | Berkley School District / 27,704 |
| 469. | 14.8% | Climax-Scotts Community School District / 3,579 |
| 469. | 14.8% | Brimley Area Schools / 3,305 |
| 471. | 14.7% | Brighton Area Schools / 36,908 |
| 472. | 14.7% | Northville Public Schools / 37,832 |
| 472. | 14.7% | Edwardsburg Public Schools / 11,025 |
| 474. | 14.6% | Pickford Public Schools / 2,074 |
| 475. | 14.6% | Berrien Springs Public Schools / 13,938 |
| 476. | 14.6% | Grand Blanc Community Schools / 47,131 |
| 477. | 14.6% | Vicksburg Community Schools / 14,473 |
| 477. | 14.6% | Trenton Public Schools / 17,758 |
| 479. | 14.5% | Allen Park Public Schools / 19,605 |
| 480. | 14.5% | Kentwood Public Schools / 59,192 |
| 481. | 14.5% | Waverly Community Schools / 19,591 |
| 482. | 14.5% | Troy School District / 64,440 |
| 483. | 14.4% | Bessemer Area School District / 3,031 |
| 484. | 14.4% | Easton Township School District 6 / 439 |
| 485. | 14.4% | Vandercook Lake Public Schools / 4,919 |
| 485. | 14.4% | Lawrence Public School District / 3,877 |
| 487. | 14.4% | Eaton Rapids Public Schools / 16,329 |
| 488. | 14.4% | Galesburg-Augusta Community School District / 6,683 |
| 489. | 14.3% | Plymouth-Canton Community Schools / 109,055 |
| 490. | 14.3% | Calumet Public Schools / 8,833 |
| 491. | 14.1% | Fruitport Community Schools / 17,722 |
| 492. | 14.1% | Forest Hills Public Schools / 43,790 |
| 493. | 14.1% | Buchanan Community School District / 9,911 |
| 494. | 14.0% | East Lansing School District / 52,543 |
| 495. | 14.0% | Sand Creek Community Schools / 3,885 |
| 495. | 14.0% | Galien Township School District / 2,709 |
| 497. | 14.0% | Escanaba Area Public Schools / 19,853 |
| 498. | 14.0% | Hartland Consolidated Schools / 27,196 |
| 499. | 13.9% | Novi Community School District / 30,840 |
| 500. | 13.9% | Kenowa Hills Public Schools / 23,954 |
| 501. | 13.8% | Lake Linden-Hubbell School District / 3,793 |
| 501. | 13.8% | Menominee Area Public Schools / 12,275 |
| 503. | 13.8% | Jefferson Schools / 12,176 |
| 504. | 13.7% | St. Johns Public Schools / 18,150 |
| 505. | 13.6% | L'Anse Area Schools / 4,952 |
| 506. | 13.6% | Norway-Vulcan Area Schools / 5,725 |
| 507. | 13.5% | Rockford Public Schools / 38,322 |
| 508. | 13.5% | St. Joseph Public Schools / 19,027 |
| 509. | 13.5% | Okemos Public Schools / 22,342 |
| 510. | 13.5% | Clare Public Schools / 8,342 |
| 511. | 13.4% | Coldwater Community Schools / 24,152 |
| 512. | 13.4% | Sault Ste. Marie Area Schools / 20,197 |
| 513. | 13.3% | Zeeland Public Schools / 29,931 |
| 514. | 13.2% | Byron Center Public Schools / 21,793 |
| 515. | 13.2% | Grandville Public Schools / 38,863 |
| 516. | 13.0% | Allendale Public School District / 18,331 |
| 517. | 13.0% | Brandywine Public School District / 8,485 |
| 518. | 13.0% | Pennfield School District / 9,031 |
| 519. | 13.0% | Concord Community Schools / 5,536 |
| 520. | 12.7% | Jenison Public Schools / 26,448 |
| 521. | 12.6% | Perry Public School District / 9,931 |
| 521. | 12.6% | Three Rivers Community Schools / 17,215 |
| 523. | 12.5% | Clawson City School District / 12,468 |
| 524. | 12.5% | Negaunee Public Schools / 8,186 |
| 525. | 12.4% | Hagar Township School District 6 / 447 |
| 526. | 12.2% | Midland Public Schools / 51,634 |
| 527. | 12.2% | DeWitt Public Schools / 13,488 |
| 527. | 12.2% | Fowler Public Schools / 2,335 |
| 529. | 12.2% | Lakeshore School District / 17,439 |
| 530. | 12.1% | Pewamo-Westphalia Community School District / 4,510 |
| 531. | 12.0% | Ishpeming Public School District / 6,704 |
| 532. | 11.9% | N.I.C.E. Community Schools / 7,405 |
| 533. | 11.8% | Bangor Township Schools / 15,113 |
| 534. | 11.8% | Marquette Area Public Schools / 31,500 |
| 535. | 11.7% | East Grand Rapids Public School District / 10,886 |
| 536. | 11.6% | Schoolcraft Community Schools / 5,239 |
| 537. | 11.5% | Hopkins Public Schools / 8,122 |
| 538. | 11.5% | Gull Lake Community Schools / 15,973 |
| 539. | 11.3% | Michigan Center School District / 7,187 |
| 540. | 11.3% | Comstock Public Schools / 16,034 |
| 541. | 11.2% | Litchfield Community Schools / 3,680 |
| 542. | 10.8% | Parchment School District / 10,814 |
| 543. | 10.3% | Gwinn Area Community Schools / 9,159 |
| 544. | 9.9% | Hudsonville Public School District / 34,810 |
| 545. | 9.8% | Saranac Community Schools / 6,116 |
| 546. | 9.5% | Comstock Park Public Schools / 15,119 |
| 547. | 8.2% | Powell Township Schools / 643 |
| 548. | 8.1% | Freeland Community School District / 11,108 |
| 549. | 7.4% | Oneida Township School District 3 / 109 |
| 550. | 7.2% | Dollar Bay-Tamarack City Area Schools / 1,528 |
| 551. | 6.3% | Church School District / 160 |
| 552. | 4.6% | Sodus Township School District 5 / 204 |
| 553. | 2.7% | Colfax Township School District 1F / 218 |
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.
