| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 10-20% of Owner Income ▼ | School District / Population |
| 1. | 51.5% | Hendricks Public School District / 990 |
| 2. | 51.0% | Littlefork-Big Falls School District / 1,720 |
| 3. | 48.9% | Plummer Public School District / 939 |
| 4. | 48.9% | Minneota Public School District / 2,607 |
| 5. | 48.2% | Morris Public School District / 7,067 |
| 6. | 47.8% | Tri-County School District / 2,008 |
| 7. | 47.6% | Jackson County Central School District / 7,902 |
| 8. | 47.4% | Red Lake Falls Public School District / 2,357 |
| 9. | 47.4% | Nett Lake Public School District / 415 |
| 10. | 47.0% | Stephen-Argyle Central Schools / 1,814 |
| 11. | 47.0% | Montevideo Public School District / 7,698 |
| 12. | 46.6% | Yellow Medicine East School District / 6,689 |
| 13. | 46.1% | St. James Public School District / 6,496 |
| 14. | 45.3% | Brewster Public School District / 988 |
| 15. | 45.0% | Thief River Falls School District / 13,314 |
| 16. | 44.7% | Marshall Public School District / 15,671 |
| 17. | 43.8% | New York Mills Public School District / 3,859 |
| 18. | 43.8% | Hancock Public School District / 1,382 |
| 19. | 43.7% | Breckenridge Public School District / 4,990 |
| 20. | 43.7% | Mountain Lake Public Schools / 3,108 |
| 21. | 43.5% | Heron Lake-Okabena School District / 1,562 |
| 22. | 43.0% | Wheaton Area School Public School District / 2,146 |
| 23. | 42.9% | Southland Public School District / 3,594 |
| 24. | 42.9% | Benson Public School District / 5,338 |
| 25. | 42.8% | Mesabi East School District / 7,435 |
| 26. | 42.8% | Fosston Public School District / 3,748 |
| 27. | 42.7% | Ivanhoe Public School District / 1,319 |
| 28. | 42.7% | Oklee Public School District / 1,170 |
| 29. | 42.7% | Barnesville Public School District / 4,333 |
| 30. | 42.6% | Eveleth-Gilbert School District / 8,880 |
| 31. | 42.3% | Springfield Public School District / 3,234 |
| 32. | 42.2% | Sartell-St. Stephen School District / 17,439 |
| 33. | 42.2% | Clinton-Graceville-Beardsley Public School District / 2,365 |
| 34. | 42.1% | Goodridge Public School District / 923 |
| 35. | 42.1% | Austin Public School District / 28,144 |
| 36. | 42.0% | Lancaster Public School District / 791 |
| 37. | 41.9% | Kittson Central School District / 2,172 |
| 38. | 41.9% | Marshall County Central Schools / 1,968 |
| 39. | 41.7% | MACCRAY School District / 4,378 |
| 40. | 41.6% | Lac Qui Parle Valley School District / 6,956 |
| 41. | 41.5% | Fairmont Area School District / 12,850 |
| 42. | 41.5% | Mountain Iron-Buhl School District / 4,512 |
| 43. | 41.3% | Bird Island-Olivia-Lake Lillian Public School District / 4,932 |
| 44. | 41.3% | Westbrook-Walnut Grove Schools / 3,027 |
| 45. | 41.2% | Cyrus Public School District / 771 |
| 46. | 41.1% | Warren-Alvarado-Oslo School District / 3,860 |
| 47. | 41.0% | Kasson-Mantorville School District / 9,967 |
| 48. | 40.5% | Roseau Public School District / 6,846 |
| 49. | 40.5% | RTR Public School District / 3,362 |
| 50. | 40.4% | Kerkhoven-Murdock-Sunburg Public School District / 2,798 |
| 50. | 40.4% | Lake Benton Public School District / 1,515 |
| 52. | 40.3% | East Grand Forks Public School District / 10,039 |
| 53. | 40.3% | Red Rock Central School District / 3,568 |
| 54. | 39.7% | Mabel-Canton Public School District / 2,312 |
| 55. | 39.6% | Fulda Public School District / 2,609 |
| 56. | 39.5% | Virginia Public School District / 10,736 |
| 57. | 39.5% | Fergus Falls Public School District / 19,338 |
| 58. | 39.4% | Grygla Public School District / 1,023 |
| 59. | 39.3% | LeRoy Public School District / 2,044 |
| 60. | 39.2% | Luverne Public School District / 7,068 |
| 61. | 39.1% | La Crescent-Hokah School District / 8,375 |
| 61. | 39.1% | Greenbush-Middle River School District / 2,671 |
| 63. | 39.0% | Crookston Public School District / 9,587 |
| 64. | 38.9% | GFW Schools / 5,955 |
| 65. | 38.9% | West Central Area Schools / 5,078 |
| 66. | 38.8% | Milroy Public School District / 595 |
| 67. | 38.8% | Chisholm Public School District / 5,693 |
| 68. | 38.7% | Win-E-Mac School District / 3,435 |
| 69. | 38.5% | Martin County West Public School District / 4,363 |
| 70. | 38.3% | Waubun Public School District / 3,478 |
| 71. | 38.3% | Wabasso Public School District / 2,451 |
| 72. | 38.2% | Adrian Public School District / 2,400 |
| 73. | 38.2% | Hermantown Public School District / 11,310 |
| 74. | 38.1% | NRHEG School District / 4,712 |
| 75. | 38.0% | Mahnomen Public School District / 3,893 |
| 76. | 38.0% | Lake Superior Public School District / 13,240 |
| 77. | 37.9% | Lynd Public School District / 1,064 |
| 78. | 37.9% | Tracy Area Public School District / 4,946 |
| 79. | 37.8% | Wabasha-Kellogg Public School District / 5,361 |
| 79. | 37.8% | Chokio-Alberta Public School District / 1,258 |
| 81. | 37.8% | Ada-Borup Public School District / 2,672 |
| 82. | 37.8% | Prinsburg Public School District / 725 |
| 83. | 37.7% | St. Peter Public School District / 14,729 |
| 84. | 37.7% | Edgerton Public School District / 2,243 |
| 85. | 37.7% | Herman-Norcross School District / 1,058 |
| 86. | 37.5% | Pine Point Public School District / 282 |
| 87. | 37.5% | Windom Public School District / 6,029 |
| 88. | 37.3% | Ortonville -Bellingham Public School District / 3,753 |
| 89. | 37.1% | Sleepy Eye Public School District / 5,457 |
| 90. | 37.1% | Wayzata Public School District / 59,635 |
| 91. | 36.9% | Hawley Public School District / 3,921 |
| 92. | 36.9% | Madelia Public School District / 3,520 |
| 93. | 36.8% | International Falls Public School District / 10,164 |
| 94. | 36.8% | Cedar Mountain School District / 2,632 |
| 94. | 36.8% | Kelliher Public School District / 1,100 |
| 96. | 36.5% | Truman Public School District / 2,429 |
| 97. | 36.5% | Ashby Public School District / 1,390 |
| 98. | 36.5% | Murray County Central School District / 4,938 |
| 99. | 36.4% | Grand Meadow Public School District / 1,810 |
| 100. | 36.3% | Pipestone Area School District / 7,686 |
| 101. | 36.2% | Lyle Public School District / 1,108 |
| 102. | 36.2% | Triton School District / 6,998 |
| 102. | 36.2% | Lakeview School District / 2,691 |
| 104. | 36.2% | Canby Public School District / 3,769 |
| 105. | 36.2% | New Ulm Public School District / 19,317 |
| 106. | 36.1% | Rochester Public School District / 119,887 |
| 107. | 36.0% | Redwood Area School District / 8,082 |
| 108. | 35.9% | Moorhead Public School District / 43,165 |
| 109. | 35.9% | Brandon Public School District / 1,960 |
| 110. | 35.8% | Browerville Public School District / 2,427 |
| 111. | 35.8% | Caledonia Public School District / 6,230 |
| 112. | 35.6% | Hills-Beaver Creek School District / 2,113 |
| 113. | 35.6% | Waseca Public School District / 13,065 |
| 114. | 35.5% | Round Lake Public School District / 785 |
| 115. | 35.4% | Blue Earth Area Public School District / 8,086 |
| 116. | 35.3% | Renville County West School District / 4,336 |
| 117. | 35.1% | St. Louis County School District / 17,913 |
| 118. | 34.9% | Alden-Conger Public School District / 1,610 |
| 119. | 34.9% | St. Clair Public School District / 2,509 |
| 120. | 34.8% | Dover-Eyota Public School District / 4,374 |
| 121. | 34.8% | United South Central School District / 6,226 |
| 122. | 34.8% | Proctor Public School District / 12,876 |
| 123. | 34.8% | Becker Public School District / 11,318 |
| 124. | 34.7% | Ulen-Hitterdal Public School District / 1,721 |
| 124. | 34.7% | Duluth Public School District / 93,325 |
| 126. | 34.7% | Fillmore Central Schools / 4,914 |
| 127. | 34.6% | Barnum Public School District / 3,948 |
| 128. | 34.5% | Janesville-Waldorf-Pemberton Public School District / 4,627 |
| 129. | 34.5% | Maple River School District / 6,130 |
| 130. | 34.5% | Rosemount-Apple Valley-Eagan School District / 144,065 |
| 131. | 34.4% | Mounds View Public School District / 74,629 |
| 132. | 34.4% | Granada-Huntley-East Chain Public School District / 1,905 |
| 133. | 34.3% | Eden Prairie Public School District / 58,051 |
| 133. | 34.3% | Fertile-Beltrami School District / 2,686 |
| 135. | 34.3% | Albany Public School District / 8,712 |
| 136. | 34.2% | Ellsworth Public School District / 1,033 |
| 137. | 34.2% | Buffalo Lake-Hector School District / 4,585 |
| 138. | 34.0% | Hayfield Public School District / 4,786 |
| 139. | 34.0% | Cloquet Public School District / 14,320 |
| 140. | 34.0% | Hibbing Public School District / 17,569 |
| 141. | 34.0% | Nicollet Public School District / 2,607 |
| 142. | 34.0% | Cass Lake-Bena Schools Public Schools / 4,164 |
| 143. | 33.9% | Worthington Public School District / 15,636 |
| 144. | 33.9% | Pine Island Public School District / 6,318 |
| 145. | 33.9% | Warroad Public School District / 6,423 |
| 146. | 33.8% | Mankato Public School District / 62,843 |
| 147. | 33.8% | St. Louis Park Public School District / 43,961 |
| 148. | 33.8% | Fisher Public School District / 991 |
| 149. | 33.7% | Detroit Lakes Public School District / 16,916 |
| 150. | 33.7% | Edina Public School District / 39,367 |
| 151. | 33.7% | Lake Crystal-Wellcome Memorial School District / 6,223 |
| 152. | 33.7% | Monticello Public School District / 21,665 |
| 153. | 33.6% | Glenville-Emmons School District / 2,739 |
| 154. | 33.6% | Clearbrook-Gonvick School District / 3,013 |
| 155. | 33.4% | Frazee-Vergas Public School District / 6,685 |
| 156. | 33.3% | Dawson-Boyd Public School District / 2,913 |
| 157. | 33.1% | Albert Lea Public School District / 23,314 |
| 157. | 33.1% | Perham Public School District / 10,454 |
| 159. | 33.1% | Houston Public School District / 2,756 |
| 159. | 33.1% | Bemidji Public School District / 37,035 |
| 161. | 33.1% | Paynesville Public School District / 5,982 |
| 162. | 33.0% | Pelican Rapids Public School District / 7,272 |
| 163. | 33.0% | Ely Public School District / 5,056 |
| 164. | 32.9% | Mahtomedi Public School District / 14,073 |
| 165. | 32.9% | Butterfield Public School District / 1,116 |
| 166. | 32.9% | Chatfield Public Schools / 4,800 |
| 166. | 32.9% | Glencoe-Silver Lake School District / 13,324 |
| 168. | 32.9% | Browns Valley Public School District / 800 |
| 169. | 32.9% | White Bear Lake School District / 60,868 |
| 170. | 32.8% | Belgrade-Brooten-Elrosa School District / 4,063 |
| 171. | 32.8% | Hopkins Public School District / 62,203 |
| 172. | 32.8% | Brainerd Public School District / 43,097 |
| 173. | 32.7% | Sauk Centre Public School District / 7,786 |
| 174. | 32.7% | Osseo Public School District / 136,893 |
| 175. | 32.7% | Zumbrota-Mazeppa School District / 6,823 |
| 176. | 32.6% | Comfrey Public School District / 1,322 |
| 177. | 32.6% | Verndale Public School District / 1,832 |
| 178. | 32.6% | Owatonna Public School District / 29,141 |
| 179. | 32.5% | Shakopee Public School District / 41,865 |
| 180. | 32.5% | Rocori Public School District / 12,607 |
| 180. | 32.5% | Esko Public School District / 4,999 |
| 182. | 32.4% | Lakeville Public School District / 52,256 |
| 183. | 32.3% | Minnetonka Public School District / 40,624 |
| 184. | 32.3% | Willmar Public School District / 25,683 |
| 185. | 32.3% | Holdingford Public School District / 4,986 |
| 185. | 32.3% | Eastern Carver County District 112 Public Schools / 51,367 |
| 187. | 32.2% | Campbell-Tintah Public School District / 916 |
| 187. | 32.2% | Long Prairie-Grey Eagle School District / 8,504 |
| 189. | 32.2% | Greenway Public School District / 8,276 |
| 190. | 32.0% | St. Charles Public School District / 5,833 |
| 191. | 32.0% | Melrose Public School District / 8,884 |
| 191. | 32.0% | Hutchinson Public School District / 18,184 |
| 193. | 32.0% | South Koochiching School District / 1,293 |
| 194. | 32.0% | Norman County West School District / 1,488 |
| 195. | 31.9% | New London-Spicer School District / 9,063 |
| 195. | 31.9% | Stewartville Public School District / 8,726 |
| 195. | 31.9% | Carlton Public School District / 4,259 |
| 198. | 31.9% | Hill City Public School District / 1,497 |
| 199. | 31.9% | West St. Paul-Mendota Heights-Eagan School District / 42,223 |
| 200. | 31.9% | Kingsland Public School District / 5,048 |
| 201. | 31.8% | Sauk Rapids Public School District / 23,167 |
| 202. | 31.8% | Moose Lake Public School District / 5,919 |
| 203. | 31.8% | Cannon Falls Public School District / 7,814 |
| 204. | 31.7% | Nashwauk-Keewatin School District / 3,887 |
| 205. | 31.6% | Winona Area Public School District / 40,212 |
| 206. | 31.6% | Roseville Public School District / 55,128 |
| 207. | 31.5% | ACGC School District / 5,863 |
| 208. | 31.5% | Stillwater Area Public School District / 58,891 |
| 209. | 31.3% | Centennial Public School District / 32,478 |
| 210. | 31.3% | South Washington County School District / 93,396 |
| 211. | 31.1% | St. Cloud Public School District / 96,207 |
| 212. | 31.0% | Burnsville Public School District / 66,770 |
| 212. | 31.0% | Robbinsdale Public School District / 99,153 |
| 214. | 31.0% | Lake Park Audubon School District / 4,554 |
| 215. | 31.0% | St. Anthony-New Brighton Schools / 9,981 |
| 216. | 30.8% | Cleveland Public School District / 2,321 |
| 217. | 30.8% | Underwood Public School District / 2,213 |
| 218. | 30.6% | Climax Public School District / 949 |
| 218. | 30.6% | Richfield Public School District / 40,327 |
| 220. | 30.6% | St. Michael-Albertville School District / 23,094 |
| 221. | 30.5% | Spring Lake Park Public Schools / 30,703 |
| 222. | 30.4% | Anoka-Hennepin Public School District / 223,385 |
| 223. | 30.3% | Pine River-Backus Public School District / 6,957 |
| 224. | 30.3% | Pillager Public School District / 5,272 |
| 225. | 30.2% | St. Paul Public School District / 286,171 |
| 226. | 30.2% | LeSueur-Henderson School District / 7,408 |
| 227. | 30.2% | South St. Paul Public School District / 19,500 |
| 227. | 30.2% | Norman County East School District / 2,207 |
| 229. | 30.1% | Alexandria Public School District / 28,942 |
| 230. | 30.1% | Prior Lake-Savage Area Schools / 39,145 |
| 231. | 30.1% | Lanesboro Public School District / 1,636 |
| 232. | 30.0% | Faribault Public School District / 30,540 |
| 233. | 30.0% | Minnewaska School District / 9,420 |
| 234. | 29.8% | Waterville-Elysian-Morristown School District / 6,194 |
| 235. | 29.8% | Osakis Public School District / 4,007 |
| 236. | 29.8% | Spring Grove School District / 2,276 |
| 237. | 29.5% | Menahga Public School District / 3,440 |
| 238. | 29.5% | Walker-Hackensack-Akeley School District / 7,102 |
| 239. | 29.4% | Dilworth-Glyndon-Felton School District / 5,980 |
| 240. | 29.4% | Medford Public School District / 3,352 |
| 241. | 29.4% | Bertha-Hewitt Public School District / 2,425 |
| 242. | 29.4% | North St. Paul-Maplewood School District / 77,297 |
| 243. | 29.3% | Red Wing Public School District / 19,473 |
| 244. | 29.3% | Park Rapids Public School District / 12,208 |
| 245. | 29.2% | Floodwood Public School District / 1,435 |
| 246. | 29.1% | Lake City Public School District / 8,983 |
| 247. | 29.0% | Sebeka Public School District / 2,873 |
| 248. | 29.0% | Pierz Public School District / 5,191 |
| 249. | 28.9% | Red Lake Public School District / 5,815 |
| 250. | 28.8% | Little Falls Public School District / 17,664 |
| 251. | 28.8% | Sibley East School District / 7,773 |
| 252. | 28.7% | Pequot Lakes Public School District / 9,608 |
| 253. | 28.7% | Rushford-Peterson Public Schools / 4,328 |
| 254. | 28.6% | Grand Rapids Public School District / 27,493 |
| 255. | 28.5% | Waconia Public School District / 19,546 |
| 256. | 28.5% | Fridley Public School District / 15,371 |
| 257. | 28.4% | Northfield Public School District / 27,787 |
| 258. | 28.4% | Rockford Public School District / 9,562 |
| 259. | 28.4% | Bloomington Public School District / 83,514 |
| 260. | 28.4% | Buffalo Public School District / 31,384 |
| 261. | 28.3% | Blooming Prairie Public School District / 4,291 |
| 262. | 28.3% | Badger Public School District / 1,098 |
| 262. | 28.3% | Hastings Public School District / 31,819 |
| 264. | 28.0% | Byron Public School District / 7,161 |
| 265. | 28.0% | Minneapolis Public School District / 385,023 |
| 266. | 27.8% | Maple Lake Public School District / 5,316 |
| 267. | 27.8% | Staples-Motley School District / 9,865 |
| 268. | 27.7% | Lake of the Woods School District / 3,409 |
| 269. | 27.6% | Forest Lake Public School District / 45,593 |
| 270. | 27.5% | St. Francis Public School District / 31,159 |
| 271. | 27.5% | Goodhue Public School District / 2,902 |
| 272. | 27.4% | Jordan Public School District / 8,846 |
| 273. | 27.4% | Wadena-Deer Creek School District / 7,711 |
| 274. | 27.3% | Franconia Public School District / 198 |
| 275. | 27.3% | Eagle Valley Public School District / 2,675 |
| 276. | 27.1% | Inver Grove Heights Schools / 28,981 |
| 277. | 27.0% | Norwood Public School District / 7,991 |
| 278. | 26.9% | Lester Prairie Public School District / 2,903 |
| 279. | 26.7% | Royalton Public School District / 3,681 |
| 279. | 26.7% | Aitkin Public School District / 10,018 |
| 281. | 26.6% | Chisago Lakes School District / 21,295 |
| 282. | 26.6% | Bagley Public School District / 5,824 |
| 283. | 26.5% | Kimball Public School District / 4,463 |
| 284. | 26.5% | Plainview-Elgin-Millville Public School District / 7,819 |
| 285. | 26.4% | Swanville Public School District / 1,906 |
| 286. | 26.3% | Wrenshall Public School District / 1,998 |
| 287. | 26.2% | Pine City Public School District / 10,584 |
| 288. | 26.1% | Princeton Public School District / 20,597 |
| 289. | 26.1% | Orono Public School District / 12,533 |
| 290. | 26.0% | Farmington Public School District / 32,590 |
| 291. | 25.9% | Kenyon-Wanamingo School District / 5,448 |
| 291. | 25.9% | Cambridge-Isanti Public School District / 28,508 |
| 293. | 25.7% | Westonka Public School District / 17,876 |
| 293. | 25.7% | Evansville Public School District / 1,624 |
| 295. | 25.7% | Elk River Public School District / 64,274 |
| 296. | 25.7% | Henning Public School District / 2,887 |
| 296. | 25.7% | Ogilvie Public School District / 3,763 |
| 298. | 25.6% | Upsala Public School District / 2,068 |
| 298. | 25.6% | Onamia Public School District / 5,725 |
| 300. | 25.4% | Lewiston-Altura Public School District / 4,314 |
| 301. | 25.4% | Laporte Public School District / 1,741 |
| 302. | 25.3% | Litchfield Public School District / 11,785 |
| 303. | 25.0% | Parkers Prairie Public School District / 2,780 |
| 304. | 24.9% | Columbia Heights Public School District / 25,536 |
| 305. | 24.9% | Isle Public School District / 3,488 |
| 306. | 24.8% | Foley Public School District / 9,115 |
| 307. | 24.6% | Randolph Public School District / 2,142 |
| 308. | 24.5% | Annandale Public School District / 9,929 |
| 309. | 24.5% | New Prague Area Schools / 19,366 |
| 310. | 24.3% | Cromwell-Wright Public Schools / 1,691 |
| 311. | 24.2% | Battle Lake Public School District / 4,425 |
| 312. | 24.2% | Cook County Public Schools / 5,206 |
| 313. | 24.0% | Mora Public School District / 10,902 |
| 314. | 24.0% | Delano Public School District / 10,795 |
| 315. | 23.9% | Nevis Public School District / 2,390 |
| 316. | 23.8% | East Central School District / 7,157 |
| 317. | 23.7% | Eden Valley-Watkins School District / 4,805 |
| 318. | 23.5% | Braham Public School District / 5,965 |
| 319. | 23.5% | Hinckley-Finlayson School District / 7,155 |
| 320. | 23.4% | Howard Lake-Waverly-Winsted Public School District / 8,461 |
| 320. | 23.4% | Milaca Public School District / 11,365 |
| 322. | 23.3% | Willow River Public School District / 3,618 |
| 323. | 23.1% | Big Lake Public School District / 17,461 |
| 324. | 22.7% | Watertown-Mayer Public School District / 9,309 |
| 325. | 22.5% | Dassel-Cokato Public School District / 9,943 |
| 326. | 22.4% | Northland Community Schools / 4,536 |
| 327. | 22.3% | Blackduck Public School District / 3,598 |
| 328. | 21.8% | Montgomery-Lonsdale School District / 8,114 |
| 329. | 21.7% | Deer River Public School District / 5,511 |
| 330. | 21.7% | Rush City Public School District / 6,512 |
| 331. | 21.4% | Belle Plaine Public School District / 8,914 |
| 332. | 21.3% | Crosby-Ironton Public School District / 10,511 |
| 333. | 20.4% | North Branch Public Schools / 19,616 |
| 334. | 19.3% | LeCenter Public School District / 3,893 |
| 335. | 18.8% | McGregor Public School District / 3,999 |
| 336. | 18.0% | Brooklyn Center School District / 9,779 |
| 337. | 17.7% | Rothsay Public School District / 959 |
Please note that we only rank locations with 'Percentage of Houses with a Mortgage where Total Holding Costs 10-20% 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 10-20% 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.
