| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 24.4% | Mackinac Island Public Schools / 396 |
| 2. | 21.7% | Leland Public School District / 3,383 |
| 3. | 21.2% | Albion Public Schools / 12,216 |
| 4. | 20.6% | Whittemore-Prescott Area Schools / 7,698 |
| 5. | 19.4% | Ganges School District 4 / 299 |
| 6. | 19.3% | Hamtramck Public Schools / 22,317 |
| 7. | 19.1% | Detroit City School District / 721,466 |
| 8. | 19.1% | Wells Township School District / 255 |
| 9. | 19.0% | Oak Park City School District / 22,421 |
| 10. | 18.7% | Vandercook Lake Public Schools / 4,762 |
| 11. | 18.4% | Huron School District / 14,625 |
| 12. | 18.2% | Oneida Township School District 3 / 107 |
| 13. | 17.9% | Memphis Community Schools / 5,508 |
| 13. | 17.9% | Southfield Public School District / 70,129 |
| 15. | 17.8% | Bloomfield Township School District 7F / 255 |
| 16. | 17.8% | West Bloomfield School District / 33,603 |
| 17. | 17.7% | Capac Community School District / 9,087 |
| 18. | 17.7% | Madison School District / 7,649 |
| 19. | 17.7% | Westwood Community Schools / 15,950 |
| 20. | 17.6% | Genesee School District / 3,217 |
| 21. | 17.4% | Lawton Community School District / 5,258 |
| 22. | 17.3% | Burr Oak Community School District / 1,584 |
| 23. | 17.1% | Novi Community School District / 32,300 |
| 24. | 16.8% | Carney-Nadeau Public Schools / 1,402 |
| 25. | 16.8% | Gibraltar School District / 21,483 |
| 26. | 16.6% | Romeo Community Schools / 34,217 |
| 27. | 16.6% | Constantine Public School District / 7,385 |
| 28. | 16.5% | Ionia Township School District 2 / 896 |
| 29. | 16.3% | Atherton Community Schools / 7,109 |
| 30. | 16.3% | Meridian Public Schools / 10,445 |
| 31. | 16.1% | Center Line Public Schools / 20,009 |
| 32. | 15.9% | Richmond Community Schools / 12,289 |
| 33. | 15.7% | Harrison Community Schools / 13,425 |
| 34. | 15.4% | Sigel Township School District 6 / 70 |
| 34. | 15.4% | Fennville Public Schools / 8,637 |
| 36. | 15.4% | Hale Area Schools / 5,403 |
| 37. | 15.3% | Fitzgerald Public Schools / 17,486 |
| 38. | 15.2% | St. Charles Community Schools / 6,331 |
| 39. | 15.2% | Grosse Pointe Public Schools / 50,580 |
| 40. | 15.0% | Comstock Public Schools / 16,197 |
| 41. | 14.9% | Harbor Springs School District / 6,502 |
| 42. | 14.8% | Adams Township School District / 2,817 |
| 43. | 14.7% | Breckenridge Community Schools / 5,494 |
| 44. | 14.5% | Anchor Bay School District / 35,251 |
| 45. | 14.4% | Lincoln Consolidated School District / 30,355 |
| 46. | 14.4% | Flat Rock Community Schools / 10,093 |
| 47. | 14.4% | Autrain-Onota Public Schools / 820 |
| 48. | 14.3% | Gobles Public School District / 5,464 |
| 49. | 14.3% | Dryden Community Schools / 4,690 |
| 50. | 14.3% | Springport Public Schools / 5,687 |
| 51. | 14.3% | Tekonsha Community Schools / 2,218 |
| 52. | 14.3% | Saginaw City School District / 57,592 |
| 53. | 14.2% | Williamston Community Schools / 10,199 |
| 54. | 14.1% | Carrollton School District / 6,104 |
| 54. | 14.1% | Baraga Area Schools / 4,417 |
| 56. | 14.1% | Ironwood Area Schools / 7,992 |
| 57. | 14.1% | Big Jackson School District / 423 |
| 58. | 14.0% | Ashley Community Schools / 1,992 |
| 59. | 14.0% | Dearborn City School District / 106,110 |
| 60. | 14.0% | Southgate Community School District / 31,385 |
| 61. | 13.9% | Bloomfield Hills School District / 37,373 |
| 62. | 13.9% | Kentwood Public Schools / 63,409 |
| 63. | 13.8% | East Detroit Public Schools / 37,572 |
| 64. | 13.8% | Mount Morris Consolidated School District / 15,201 |
| 64. | 13.8% | Kingston Community School District / 3,472 |
| 66. | 13.8% | Brandon School District / 17,190 |
| 67. | 13.7% | Bloomingdale Public School District / 7,905 |
| 68. | 13.7% | Chelsea School District / 15,557 |
| 68. | 13.7% | South Lake Schools / 20,283 |
| 70. | 13.6% | Republic-Michigamme Schools / 1,348 |
| 71. | 13.6% | Hazel Park City School District / 21,066 |
| 72. | 13.6% | Roseville Community Schools / 43,815 |
| 72. | 13.6% | Chippewa Valley Schools / 99,379 |
| 74. | 13.6% | Parchment School District / 10,536 |
| 75. | 13.5% | Pontiac City School District / 77,493 |
| 76. | 13.5% | Lamphere Public Schools / 17,376 |
| 77. | 13.5% | Ypsilanti School District / 38,554 |
| 78. | 13.5% | Avondale School District / 26,371 |
| 79. | 13.5% | Perry Public School District / 9,209 |
| 79. | 13.5% | Covert Public Schools / 2,944 |
| 81. | 13.4% | Clinton Community Schools / 5,845 |
| 82. | 13.4% | New Haven Community Schools / 13,827 |
| 83. | 13.4% | Harbor Beach Community Schools / 4,407 |
| 84. | 13.4% | Westwood Heights Schools / 5,448 |
| 85. | 13.3% | Woodhaven-Brownstown School District / 31,857 |
| 86. | 13.2% | Caro Community Schools / 11,590 |
| 87. | 13.2% | Battle Creek Public Schools / 43,044 |
| 88. | 13.1% | Highland Park City Schools / 11,971 |
| 88. | 13.1% | Northview Public School District / 16,168 |
| 90. | 13.1% | Ionia Public Schools / 22,171 |
| 91. | 13.0% | Fraser Public Schools / 28,652 |
| 92. | 13.0% | Durand Area Schools / 10,877 |
| 93. | 13.0% | Morenci Area Schools / 4,203 |
| 93. | 13.0% | Arenac Eastern School District / 2,089 |
| 95. | 13.0% | Mackinaw City Public Schools / 1,373 |
| 96. | 13.0% | Van Buren Public Schools / 47,926 |
| 97. | 12.9% | Buckley Community School District / 2,492 |
| 98. | 12.8% | Burt Township School District / 443 |
| 99. | 12.8% | Royal Oak City School District / 58,300 |
| 100. | 12.7% | Mid Peninsula School District / 1,831 |
| 101. | 12.7% | Whitmore Lake Public Schools / 8,443 |
| 102. | 12.7% | Elkton-Pigeon-Bay Port Schools / 6,837 |
| 103. | 12.7% | Okemos Public Schools / 22,898 |
| 104. | 12.6% | Reese Public Schools / 5,868 |
| 105. | 12.6% | Free Soil Community Schools / 985 |
| 106. | 12.5% | Excelsior Township School District 1 / 336 |
| 106. | 12.5% | Chassell Township School District / 1,973 |
| 108. | 12.5% | Carsonville-Port Sanilac School District / 3,624 |
| 109. | 12.5% | Flint City School District / 103,256 |
| 110. | 12.4% | Camden-Frontier School District / 4,158 |
| 111. | 12.4% | Lake Linden-Hubbell School District / 3,808 |
| 111. | 12.4% | Muskegon Heights School District / 10,923 |
| 113. | 12.3% | Kelloggsville Public Schools / 12,457 |
| 114. | 12.3% | Muskegon City School District / 36,968 |
| 114. | 12.3% | Forest Area Community Schools / 5,961 |
| 116. | 12.3% | Croswell-Lexington Community School District / 14,129 |
| 117. | 12.2% | Holt Public Schools / 29,287 |
| 118. | 12.2% | Bath Community Schools / 7,914 |
| 119. | 12.2% | Engadine Consolidated Schools / 1,928 |
| 119. | 12.2% | Onekama Consolidated Schools / 3,430 |
| 119. | 12.2% | Warren Woods Public Schools / 21,898 |
| 119. | 12.2% | Oxford Area Community Schools / 23,668 |
| 123. | 12.2% | Essexville-Hampton Public Schools / 9,247 |
| 124. | 12.2% | Cassopolis Public Schools / 8,252 |
| 125. | 12.1% | Beecher Community School District / 10,281 |
| 126. | 12.1% | Godfrey-Lee Public Schools / 7,096 |
| 127. | 12.0% | Manchester Community Schools / 7,504 |
| 128. | 11.9% | Stanton Township Public Schools / 1,263 |
| 128. | 11.9% | Alma Public Schools / 15,424 |
| 130. | 11.9% | Easton Township School District 6 / 450 |
| 131. | 11.9% | Lake Orion Community Schools / 41,595 |
| 132. | 11.9% | White Cloud Public Schools / 7,804 |
| 133. | 11.8% | Dexter Community School District / 19,886 |
| 133. | 11.8% | West Iron County Public Schools / 7,432 |
| 135. | 11.8% | Potterville Public Schools / 5,600 |
| 136. | 11.8% | Grosse Ile Township Schools / 10,354 |
| 137. | 11.7% | River Rouge School District / 8,567 |
| 138. | 11.7% | Saranac Community Schools / 6,702 |
| 138. | 11.7% | Newaygo Public School District / 10,082 |
| 140. | 11.7% | Kalamazoo Public School District / 109,000 |
| 141. | 11.7% | North Huron School District / 3,807 |
| 142. | 11.6% | Montabella Community Schools / 7,239 |
| 143. | 11.6% | Lansing Public School District / 121,138 |
| 144. | 11.6% | Vassar Public Schools / 9,278 |
| 145. | 11.6% | Bark River-Harris School District / 3,028 |
| 146. | 11.6% | Glen Lake Community Schools / 5,432 |
| 147. | 11.5% | Colfax Township School District 1F / 190 |
| 148. | 11.5% | South Lyon Community Schools / 41,464 |
| 149. | 11.5% | Hesperia Community Schools / 5,241 |
| 150. | 11.4% | Clare Public Schools / 8,348 |
| 151. | 11.4% | Waterford School District / 77,560 |
| 152. | 11.3% | North Adams-Jerome Schools / 3,309 |
| 152. | 11.3% | Ravenna Public Schools / 6,294 |
| 154. | 11.2% | Otsego Public Schools / 13,876 |
| 155. | 11.2% | Manton Consolidated Schools / 5,597 |
| 156. | 11.2% | Haslett Public Schools / 15,999 |
| 157. | 11.2% | Grand Blanc Community Schools / 50,143 |
| 158. | 11.2% | Mendon Community School District / 3,548 |
| 158. | 11.2% | Monroe Public Schools / 49,680 |
| 158. | 11.2% | Warren Consolidated Schools / 115,321 |
| 161. | 11.2% | Concord Community Schools / 5,142 |
| 162. | 11.1% | Airport Community School District / 18,977 |
| 163. | 11.1% | Holton Public Schools / 6,519 |
| 163. | 11.1% | Addison Community Schools / 7,989 |
| 163. | 11.1% | West Branch-Rose City Area Schools / 16,186 |
| 166. | 11.1% | St. Johns Public Schools / 20,079 |
| 167. | 11.0% | Ecorse Public School District / 9,091 |
| 168. | 11.0% | Homer Community Schools / 4,468 |
| 169. | 11.0% | Kent City Community Schools / 7,435 |
| 169. | 11.0% | Greenville Public Schools / 23,683 |
| 171. | 11.0% | Lincoln Park Public Schools / 37,836 |
| 172. | 10.9% | Gaylord Community Schools / 20,448 |
| 173. | 10.9% | Farmington Public School District / 84,065 |
| 173. | 10.9% | Bad Axe Public Schools / 6,632 |
| 173. | 10.9% | Marcellus Community Schools / 5,282 |
| 176. | 10.9% | Fairview Area School District / 2,704 |
| 177. | 10.9% | Wyandotte City School District / 25,839 |
| 178. | 10.8% | Adrian City School District / 29,432 |
| 179. | 10.8% | Swan Valley School District / 8,850 |
| 179. | 10.8% | Edwardsburg Public Schools / 12,518 |
| 181. | 10.8% | East China School District / 29,177 |
| 182. | 10.8% | Houghton-Portage Township Schools / 10,338 |
| 183. | 10.8% | Hillman Community Schools / 3,776 |
| 183. | 10.8% | Bessemer Area School District / 3,302 |
| 183. | 10.8% | River Valley School District / 7,854 |
| 183. | 10.8% | Whitehall School District / 11,742 |
| 187. | 10.8% | Orchard View Schools / 16,435 |
| 188. | 10.8% | Petoskey Public Schools / 18,444 |
| 188. | 10.8% | L'Anse Creuse Public Schools / 67,957 |
| 190. | 10.7% | Negaunee Public Schools / 8,753 |
| 190. | 10.7% | Pellston Public Schools / 5,286 |
| 192. | 10.7% | Algonac Community School District / 15,995 |
| 192. | 10.7% | Jonesville Community Schools / 5,852 |
| 194. | 10.7% | Birch Run Area School District / 9,591 |
| 195. | 10.7% | Elk Rapids Schools / 8,499 |
| 195. | 10.7% | Hancock Public Schools / 6,972 |
| 197. | 10.7% | Port Hope Community Schools / 1,074 |
| 197. | 10.7% | Sault Ste. Marie Area Schools / 20,823 |
| 199. | 10.7% | New Buffalo Area School District / 3,980 |
| 200. | 10.6% | New Lothrop Area Public School / 3,934 |
| 200. | 10.6% | Standish-Sterling Community School District / 10,456 |
| 202. | 10.6% | Huron Valley Schools / 57,232 |
| 203. | 10.5% | Utica Community Schools / 179,586 |
| 204. | 10.5% | Bangor Township Schools / 14,652 |
| 205. | 10.5% | Sparta Area Schools / 14,826 |
| 206. | 10.5% | Martin Public Schools / 5,293 |
| 207. | 10.5% | Walled Lake Consolidated Schools / 99,331 |
| 208. | 10.5% | Hartford Public School District / 6,482 |
| 209. | 10.4% | Riverview Community School District / 12,928 |
| 210. | 10.4% | Buchanan Community School District / 10,202 |
| 211. | 10.4% | Oakridge Public Schools / 9,917 |
| 212. | 10.3% | Redford Union School District / 24,889 |
| 213. | 10.3% | Brown City Community School District / 5,368 |
| 213. | 10.3% | Clintondale Community Schools / 15,614 |
| 215. | 10.3% | Crestwood School District / 28,244 |
| 215. | 10.3% | Kearsley Community Schools / 16,608 |
| 217. | 10.3% | East Lansing School District / 55,947 |
| 218. | 10.3% | Les Cheneaux Community Schools / 2,472 |
| 218. | 10.3% | Lakeview School District / 21,899 |
| 220. | 10.2% | Columbia School District / 11,854 |
| 221. | 10.2% | Decatur Public Schools / 5,531 |
| 222. | 10.2% | Schoolcraft Community Schools / 5,686 |
| 223. | 10.2% | Bedford Public Schools / 31,274 |
| 224. | 10.2% | Fruitport Community Schools / 17,695 |
| 225. | 10.1% | Lakewood Public Schools / 13,381 |
| 225. | 10.1% | Quincy Community School District / 7,737 |
| 225. | 10.1% | Goodrich Area Schools / 9,944 |
| 225. | 10.1% | Dundee Community Schools / 8,546 |
| 229. | 10.1% | Howell Public Schools / 53,146 |
| 230. | 10.0% | Pine River Area Schools / 7,245 |
| 231. | 10.0% | Carman-Ainsworth Community School District / 31,425 |
| 231. | 10.0% | North Dickinson County Schools / 2,458 |
| 233. | 10.0% | Church School District / 139 |
| 233. | 10.0% | Hudson Area Schools / 5,796 |
| 235. | 10.0% | Shelby Public Schools / 8,116 |
| 236. | 10.0% | Evart Public Schools / 6,876 |
| 236. | 10.0% | Grand Haven Area Public Schools / 39,660 |
| 238. | 9.9% | Vicksburg Community Schools / 15,109 |
| 238. | 9.9% | Reed City Area Public Schools / 11,793 |
| 238. | 9.9% | Mancelona Public Schools / 6,960 |
| 241. | 9.9% | Wyoming Public Schools / 36,253 |
| 241. | 9.9% | Deckerville Community School District / 4,519 |
| 243. | 9.9% | Posen Consolidated School District / 2,105 |
| 244. | 9.9% | Peck Community School District / 2,652 |
| 245. | 9.9% | Sandusky Community School District / 7,283 |
| 246. | 9.9% | Lake Fenton Community Schools / 11,166 |
| 246. | 9.9% | Yale Public Schools / 10,905 |
| 248. | 9.8% | Wayne-Westland Community School District / 90,346 |
| 249. | 9.8% | Rogers City Area Schools / 5,443 |
| 250. | 9.8% | Tri County Area Schools / 13,991 |
| 251. | 9.8% | West Ottawa Public School District / 47,942 |
| 252. | 9.8% | Berkley School District / 27,039 |
| 253. | 9.8% | Deerfield Public Schools / 1,763 |
| 253. | 9.8% | Farwell Area Schools / 10,728 |
| 253. | 9.8% | Baldwin Community Schools / 7,772 |
| 256. | 9.8% | Gladwin Community Schools / 14,085 |
| 257. | 9.8% | Romulus Community Schools / 20,905 |
| 258. | 9.7% | Fremont Public School District / 13,791 |
| 258. | 9.7% | Ferndale Public Schools / 24,552 |
| 260. | 9.7% | Plymouth-Canton Community Schools / 119,223 |
| 260. | 9.7% | Caseville Public Schools / 2,567 |
| 262. | 9.7% | Kaleva Norman Dickson School District / 5,224 |
| 262. | 9.7% | Houghton Lake Community School District / 15,375 |
| 264. | 9.7% | Bronson Community School District / 7,496 |
| 265. | 9.6% | Forest Park School District / 4,405 |
| 265. | 9.6% | South Redford School District / 22,782 |
| 265. | 9.6% | Milan Area Schools / 14,946 |
| 268. | 9.6% | Hart Public School District / 8,705 |
| 269. | 9.6% | Northwest School District / 25,078 |
| 270. | 9.6% | DeWitt Public Schools / 14,362 |
| 271. | 9.6% | Kalkaska Public Schools / 12,646 |
| 272. | 9.6% | Suttons Bay Public Schools / 5,912 |
| 273. | 9.6% | Saline Area Schools / 24,984 |
| 274. | 9.5% | Allegan Public Schools / 17,216 |
| 275. | 9.5% | Oscoda Area Schools / 12,953 |
| 275. | 9.5% | Bear Lake School District / 2,287 |
| 277. | 9.5% | Traverse City Area Public Schools / 80,158 |
| 278. | 9.4% | Hillsdale Community Schools / 14,446 |
| 279. | 9.4% | Morley Stanwood Community Schools / 9,601 |
| 280. | 9.4% | Melvindale-North Allen Park School District / 16,797 |
| 281. | 9.4% | Zeeland Public Schools / 30,878 |
| 282. | 9.4% | Inland Lakes Schools / 6,058 |
| 282. | 9.4% | Ishpeming Public School District / 6,881 |
| 284. | 9.4% | Leslie Public Schools / 7,571 |
| 285. | 9.4% | Mason County Central Schools / 7,779 |
| 286. | 9.3% | Ithaca Public Schools / 7,460 |
| 287. | 9.3% | Marysville Public Schools / 14,338 |
| 287. | 9.3% | Pickford Public Schools / 2,449 |
| 289. | 9.3% | Taylor School District / 65,445 |
| 290. | 9.3% | Fowlerville Community Schools / 15,813 |
| 291. | 9.3% | Walkerville Rural Community School District / 1,502 |
| 292. | 9.2% | Jefferson Schools / 12,632 |
| 292. | 9.2% | Cadillac Area Public Schools / 21,275 |
| 294. | 9.2% | Lake Shore Public Schools / 22,164 |
| 294. | 9.2% | Mesick Consolidated Schools / 5,300 |
| 294. | 9.2% | Pentwater Public School District / 2,046 |
| 297. | 9.1% | Shepherd Public School District / 9,287 |
| 297. | 9.1% | Charlevoix Public Schools / 8,730 |
| 299. | 9.1% | Beaverton Rural Schools / 10,051 |
| 300. | 9.0% | Tecumseh Public Schools / 18,223 |
| 301. | 9.0% | Armada Area Schools / 8,846 |
| 302. | 9.0% | Delton-Kellogg School District / 11,422 |
| 303. | 9.0% | Bendle Public Schools / 5,995 |
| 304. | 9.0% | Dollar Bay-Tamarack City Area Schools / 1,696 |
| 305. | 9.0% | Superior Central Schools / 2,290 |
| 306. | 9.0% | Comstock Park Public Schools / 14,636 |
| 306. | 9.0% | Big Bay de Noc School District / 2,052 |
| 308. | 8.9% | Litchfield Community Schools / 3,210 |
| 309. | 8.9% | Cheboygan Area Schools / 14,323 |
| 310. | 8.9% | Name N/A / 13,998 |
| 310. | 8.9% | Marlette Community Schools / 6,869 |
| 312. | 8.9% | Au Gres-Sims School District / 3,386 |
| 313. | 8.9% | Lawrence Public School District / 4,008 |
| 313. | 8.9% | Garden City School District / 28,103 |
| 315. | 8.8% | Maple Valley Schools / 8,304 |
| 316. | 8.8% | Benton Harbor Area Schools / 30,845 |
| 317. | 8.8% | Ubly Community Schools / 4,103 |
| 318. | 8.8% | Rochester Community School District / 89,971 |
| 319. | 8.8% | Clarkston Community School District / 42,673 |
| 320. | 8.8% | North Branch Area Schools / 12,140 |
| 321. | 8.7% | Blissfield Community Schools / 7,517 |
| 321. | 8.7% | Grand Rapids Public Schools / 183,010 |
| 323. | 8.7% | Grass Lake Community Schools / 6,560 |
| 323. | 8.7% | Bay City School District / 71,411 |
| 325. | 8.7% | Belding Area School District / 12,723 |
| 325. | 8.7% | Centreville Public Schools / 4,924 |
| 327. | 8.7% | Byron Center Public Schools / 21,326 |
| 328. | 8.6% | Madison Public Schools / 12,180 |
| 328. | 8.6% | Niles Community School District / 24,648 |
| 330. | 8.6% | Pinconning Area Schools / 12,087 |
| 330. | 8.6% | Cass City Public Schools / 8,233 |
| 330. | 8.6% | Northville Public Schools / 37,857 |
| 333. | 8.6% | Carson City-Crystal Area School District / 9,617 |
| 334. | 8.6% | Crawford AuSable Schools / 12,024 |
| 335. | 8.5% | Birmingham City School District / 56,651 |
| 336. | 8.5% | Brimley Area Schools / 3,232 |
| 337. | 8.5% | Corunna Public School District / 10,606 |
| 338. | 8.5% | Gull Lake Community Schools / 18,519 |
| 339. | 8.5% | Lowell Area Schools / 20,398 |
| 340. | 8.5% | Holland City School District / 37,141 |
| 341. | 8.4% | Lakeville Community Schools / 11,624 |
| 342. | 8.4% | Jackson Public Schools / 56,862 |
| 343. | 8.4% | East Jackson Community Schools / 8,735 |
| 344. | 8.4% | Harper Woods City Schools / 8,882 |
| 345. | 8.4% | Beal City Public Schools / 2,887 |
| 346. | 8.4% | Grant Public School District / 9,907 |
| 347. | 8.3% | Coloma Community Schools / 9,663 |
| 347. | 8.3% | Owosso Public Schools / 24,765 |
| 349. | 8.3% | Union City Community Schools / 5,875 |
| 349. | 8.3% | Troy School District / 64,531 |
| 351. | 8.3% | Johannesburg-Lewiston Area School District / 5,690 |
| 351. | 8.3% | Harper Creek Community Schools / 15,283 |
| 353. | 8.3% | Rapid River Public Schools / 2,927 |
| 353. | 8.3% | Mount Pleasant City School District / 45,532 |
| 355. | 8.3% | Marshall Public Schools / 13,455 |
| 356. | 8.3% | Michigan Center School District / 7,465 |
| 357. | 8.2% | Alcona Community Schools / 6,861 |
| 358. | 8.2% | Central Montcalm Public Schools / 10,849 |
| 359. | 8.2% | Allendale Public School District / 20,528 |
| 360. | 8.1% | St. Louis Public Schools / 10,684 |
| 360. | 8.1% | Morrice Area Schools / 4,768 |
| 362. | 8.1% | Ewen-Trout Creek Consolidated Schools / 2,467 |
| 362. | 8.1% | St. Ignace Area Schools / 4,211 |
| 364. | 8.1% | Byron Area Schools / 6,591 |
| 364. | 8.1% | Gwinn Area Community Schools / 9,715 |
| 366. | 8.1% | Forest Hills Public Schools / 46,845 |
| 366. | 8.1% | Ludington Area School District / 15,939 |
| 368. | 8.0% | Dearborn Heights School District 7 / 12,218 |
| 369. | 8.0% | Fulton Schools / 4,596 |
| 370. | 8.0% | Ellsworth Community Schools / 1,772 |
| 371. | 8.0% | Kenowa Hills Public Schools / 22,913 |
| 372. | 8.0% | Ann Arbor Public Schools / 165,937 |
| 372. | 8.0% | Watersmeet Township School District / 1,222 |
| 374. | 7.9% | Freeland Community School District / 11,993 |
| 374. | 7.9% | Vanderbilt Area Schools / 2,084 |
| 376. | 7.9% | Cedar Springs Public Schools / 18,283 |
| 377. | 7.9% | Lakeview Community Schools / 10,171 |
| 377. | 7.9% | Clarenceville School District / 11,865 |
| 379. | 7.9% | Waverly Community Schools / 20,602 |
| 379. | 7.9% | Napoleon Community Schools / 8,278 |
| 381. | 7.9% | Owendale-Gagetown Area Schools / 1,662 |
| 382. | 7.8% | Brandywine Public School District / 9,179 |
| 382. | 7.8% | Manistique Area Schools / 7,769 |
| 382. | 7.8% | Paw Paw Public School District / 12,904 |
| 385. | 7.8% | Clawson City School District / 12,145 |
| 386. | 7.8% | Stephenson Area Public Schools / 5,746 |
| 387. | 7.8% | Arvon Township School District / 295 |
| 387. | 7.8% | Swartz Creek Community Schools / 24,419 |
| 389. | 7.8% | DeTour Area Schools / 1,968 |
| 390. | 7.7% | Chippewa Hills School District / 19,158 |
| 391. | 7.7% | Ovid-Elsie Area Schools / 9,557 |
| 392. | 7.7% | Mona Shores Public School District / 23,305 |
| 393. | 7.7% | Beaver Island Community School / 543 |
| 394. | 7.7% | Davison Community Schools / 31,405 |
| 394. | 7.7% | Midland Public Schools / 53,040 |
| 396. | 7.7% | Rockford Public Schools / 40,079 |
| 397. | 7.6% | Brighton Area Schools / 36,620 |
| 397. | 7.6% | Pewamo-Westphalia Community School District / 4,218 |
| 399. | 7.6% | Chesaning Union Schools / 11,698 |
| 400. | 7.6% | Bullock Creek School District / 9,940 |
| 400. | 7.6% | Livonia Public Schools / 115,069 |
| 402. | 7.6% | Colon Community School District / 5,339 |
| 402. | 7.6% | Central Lake Public Schools / 3,292 |
| 402. | 7.6% | Fenton Area Public Schools / 20,621 |
| 405. | 7.5% | Dowagiac Union Schools / 15,408 |
| 405. | 7.5% | L'Anse Area Schools / 4,796 |
| 405. | 7.5% | Alpena Public Schools / 30,915 |
| 405. | 7.5% | Holly Area School District / 28,013 |
| 409. | 7.4% | Coopersville Public School District / 12,989 |
| 410. | 7.4% | St. Joseph Public Schools / 19,128 |
| 411. | 7.4% | Vestaburg Community Schools / 4,088 |
| 412. | 7.4% | Mason Consolidated Schools / 7,801 |
| 413. | 7.3% | Three Rivers Community Schools / 17,692 |
| 414. | 7.3% | Stockbridge Community Schools / 9,936 |
| 415. | 7.3% | Marquette Area Public Schools / 32,410 |
| 416. | 7.3% | Merrill Community Schools / 5,195 |
| 417. | 7.3% | Montague Area Public Schools / 8,185 |
| 418. | 7.2% | Port Huron Area School District / 68,540 |
| 418. | 7.2% | Frankfort-Elberta Area Schools / 3,858 |
| 420. | 7.2% | Buena Vista School District / 7,603 |
| 421. | 7.2% | Lake City Area School District / 7,568 |
| 422. | 7.1% | Willow Run Community Schools / 18,060 |
| 423. | 7.1% | Lakeview Public Schools / 20,134 |
| 423. | 7.1% | Thornapple Kellogg School District / 15,007 |
| 423. | 7.1% | Inkster City School District / 10,288 |
| 423. | 7.1% | Bangor Public Schools / 7,280 |
| 427. | 7.1% | Iron Mountain Public Schools / 7,662 |
| 428. | 7.1% | Webberville Community Schools / 3,549 |
| 429. | 7.1% | Mount Clemens Community School District / 21,810 |
| 430. | 7.1% | Trenton Public Schools / 18,315 |
| 431. | 7.1% | Escanaba Area Public Schools / 20,112 |
| 432. | 7.0% | N.I.C.E. Community Schools / 7,190 |
| 433. | 7.0% | Britton-Macon Area School District / 2,190 |
| 434. | 7.0% | Saugatuck Public Schools / 4,529 |
| 434. | 7.0% | Big Rapids Public Schools / 19,203 |
| 436. | 6.9% | Grand Ledge Public Schools / 33,640 |
| 436. | 6.9% | Onaway Area Community School District / 5,544 |
| 438. | 6.8% | Benzie County Central School / 13,864 |
| 439. | 6.8% | Mio-AuSable Schools / 5,444 |
| 440. | 6.8% | Coldwater Community Schools / 23,293 |
| 441. | 6.8% | Hopkins Public Schools / 8,234 |
| 441. | 6.8% | Gerrish-Higgins School District / 12,460 |
| 443. | 6.7% | East Grand Rapids Public School District / 11,344 |
| 444. | 6.7% | Mason County Eastern Schools / 3,794 |
| 445. | 6.7% | Portland Public School District / 12,298 |
| 445. | 6.7% | Clio Area School District / 20,570 |
| 447. | 6.7% | Charlotte Public Schools / 18,841 |
| 448. | 6.7% | Berlin Township School District 3 / 293 |
| 449. | 6.6% | Olivet Community Schools / 7,164 |
| 450. | 6.6% | Ontonagon Area Schools / 4,298 |
| 451. | 6.5% | Wakefield-Marenisco School District / 3,781 |
| 452. | 6.5% | Hudsonville Public School District / 37,386 |
| 453. | 6.5% | Caledonia Community Schools / 20,972 |
| 454. | 6.4% | Linden Community Schools / 18,546 |
| 454. | 6.4% | Ida Public School District / 7,973 |
| 454. | 6.4% | Lapeer Community Schools / 41,867 |
| 457. | 6.4% | Bellaire Public Schools / 3,825 |
| 458. | 6.4% | Coleman Community School District / 5,848 |
| 459. | 6.3% | Akron-Fairgrove Schools / 3,015 |
| 460. | 6.2% | Eau Claire Public Schools / 3,840 |
| 461. | 6.2% | Pittsford Area Schools / 3,314 |
| 462. | 6.2% | Wolverine Community Schools / 2,913 |
| 463. | 6.2% | Mattawan Consolidated School / 18,250 |
| 464. | 6.2% | Marion Public Schools / 4,149 |
| 465. | 6.1% | Gladstone Area Schools / 9,382 |
| 466. | 6.1% | Summerfield School District / 4,342 |
| 467. | 6.1% | Reeths-Puffer Schools / 21,451 |
| 468. | 6.1% | Sturgis Public Schools / 16,847 |
| 469. | 6.1% | Tahquamenon Area Schools / 7,535 |
| 470. | 6.1% | Calumet Public Schools / 8,515 |
| 471. | 6.0% | Tawas Area Schools / 11,277 |
| 472. | 6.0% | Waldron Area Schools / 2,631 |
| 473. | 6.0% | Millington Community Schools / 9,202 |
| 474. | 5.9% | Boyne City Public Schools / 8,249 |
| 475. | 5.9% | Munising Public Schools / 6,004 |
| 476. | 5.9% | Galesburg-Augusta Community School District / 6,610 |
| 477. | 5.8% | Pennfield School District / 9,530 |
| 478. | 5.8% | Palo Community School District / 952 |
| 478. | 5.8% | Hemlock Public School District / 9,538 |
| 480. | 5.8% | McBain Rural Agricultural Schools / 6,242 |
| 481. | 5.7% | North Central Area Schools / 2,958 |
| 482. | 5.7% | Nottawa Community School / 1,881 |
| 483. | 5.7% | Whiteford Agricultural School District / 4,417 |
| 484. | 5.6% | Unionville-Sebewaing Area School District / 5,519 |
| 485. | 5.6% | Allen Park Public Schools / 20,445 |
| 486. | 5.5% | East Jordan Public Schools / 6,810 |
| 486. | 5.5% | Berrien Springs Public Schools / 13,145 |
| 488. | 5.5% | Bridgman Public Schools / 5,028 |
| 489. | 5.5% | Hartland Consolidated Schools / 26,372 |
| 489. | 5.5% | Van Dyke Public Schools / 19,804 |
| 491. | 5.4% | Portage Public Schools / 51,298 |
| 492. | 5.4% | Breitung Township Schools / 11,034 |
| 493. | 5.3% | Hastings Area School District / 19,223 |
| 494. | 5.3% | Western School District / 12,744 |
| 495. | 5.3% | Atlanta Community Schools / 3,552 |
| 496. | 5.3% | Bentley Community Schools / 7,493 |
| 497. | 5.1% | Mayville Community School District / 6,631 |
| 498. | 5.1% | Bellevue Community Schools / 5,429 |
| 498. | 5.1% | Saginaw Township Community Schools / 40,718 |
| 500. | 5.1% | Galien Township School District / 2,464 |
| 501. | 5.0% | Menominee Area Public Schools / 12,221 |
| 502. | 5.0% | Reading Community Schools / 5,382 |
| 503. | 5.0% | Climax-Scotts Community School District / 3,774 |
| 503. | 5.0% | Lakeshore School District / 17,657 |
| 505. | 4.9% | Mar Lee School District / 1,750 |
| 506. | 4.9% | Godwin Heights Public Schools / 11,067 |
| 506. | 4.9% | Frankenmuth School District / 9,616 |
| 508. | 4.9% | Littlefield Schools / 3,681 |
| 509. | 4.9% | Grandville Public Schools / 37,848 |
| 510. | 4.8% | Kingsley Area Schools / 7,300 |
| 510. | 4.8% | White Pigeon Community Schools / 7,272 |
| 512. | 4.8% | Boyne Falls Public School District / 1,892 |
| 513. | 4.8% | Manistee Area Schools / 12,878 |
| 514. | 4.8% | Flushing Community Schools / 27,193 |
| 515. | 4.8% | Pinckney Community Schools / 26,211 |
| 516. | 4.7% | Powell Township Schools / 569 |
| 517. | 4.4% | Norway-Vulcan Area Schools / 5,401 |
| 518. | 4.4% | Dansville Schools / 4,925 |
| 519. | 4.3% | Fowler Public Schools / 2,576 |
| 520. | 4.3% | South Haven Public Schools / 13,677 |
| 521. | 4.2% | Moran Township School District / 907 |
| 522. | 4.2% | Hamilton Community Schools / 13,984 |
| 523. | 4.2% | Plainwell Community Schools / 14,752 |
| 524. | 4.1% | Athens Area Schools / 4,997 |
| 525. | 4.0% | Sand Creek Community Schools / 3,882 |
| 526. | 4.0% | Mason Public Schools / 18,797 |
| 526. | 4.0% | North Muskegon Public Schools / 3,821 |
| 526. | 4.0% | Almont Community Schools / 8,380 |
| 529. | 3.9% | Imlay City Community Schools / 12,260 |
| 530. | 3.7% | Spring Lake Public Schools / 12,954 |
| 531. | 3.7% | Hanover-Horton Schools / 7,038 |
| 532. | 3.6% | Rudyard Area Schools / 10,128 |
| 533. | 3.5% | Watervliet School District / 6,853 |
| 534. | 3.5% | Eaton Rapids Public Schools / 17,246 |
| 534. | 3.5% | Montrose Community Schools / 7,711 |
| 536. | 3.5% | Alba Public Schools / 1,104 |
| 537. | 3.2% | Bridgeport-Spaulding Community School District / 12,661 |
| 538. | 3.1% | Verona Township School District 1F / 144 |
| 539. | 2.9% | Onsted Community Schools / 9,344 |
| 540. | 2.8% | Wayland Union Schools / 18,188 |
| 541. | 2.8% | Laingsburg Community School District / 5,695 |
| 542. | 2.7% | Northport Public School District / 2,080 |
| 543. | 2.7% | Whitefish Township Schools / 592 |
| 544. | 2.0% | Hagar Township School District 6 / 637 |
| 545. | 1.7% | Jenison Public Schools / 27,322 |
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.
*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.
