| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 10-20% of Owner Income ▼ | School District / Population |
| 1. | 66.7% | Franconia Public School District / 101 |
| 2. | 49.9% | Cannon Falls Public School District / 8,153 |
| 3. | 48.1% | Chokio-Alberta Public School District / 1,197 |
| 4. | 46.7% | Norman County West School District / 1,505 |
| 4. | 46.7% | Nett Lake Public School District / 331 |
| 4. | 46.7% | Evansville Public School District / 1,557 |
| 7. | 43.9% | Chisago Lakes School District / 18,850 |
| 8. | 42.8% | International Falls Public School District / 9,949 |
| 9. | 42.1% | Minneota Public School District / 2,494 |
| 10. | 42.0% | Stewartville Public School District / 8,432 |
| 11. | 41.8% | Brooklyn Center School District / 7,452 |
| 12. | 41.3% | Name N/A / 1,228 |
| 13. | 41.3% | Houston Public School District / 2,909 |
| 14. | 41.2% | Browns Valley Public School District / 735 |
| 15. | 41.0% | Sauk Centre Public School District / 7,554 |
| 16. | 40.7% | Glenville-Emmons School District / 2,658 |
| 17. | 40.4% | Waseca Public School District / 13,275 |
| 18. | 40.4% | MACCRAY School District / 4,443 |
| 18. | 40.4% | Crookston Public School District / 9,288 |
| 20. | 40.4% | Breckenridge Public School District / 4,781 |
| 21. | 40.2% | Name N/A / 3,026 |
| 22. | 40.0% | Springfield Public School District / 3,610 |
| 23. | 39.9% | Hendricks Public School District / 1,065 |
| 24. | 39.8% | Name N/A / 3,031 |
| 25. | 39.7% | Columbia Heights Public School District / 23,445 |
| 26. | 39.7% | Jackson County Central School District / 8,222 |
| 26. | 39.7% | Sibley East School District / 7,858 |
| 26. | 39.7% | Hill City Public School District / 1,830 |
| 29. | 39.6% | Kelliher Public School District / 1,249 |
| 30. | 39.5% | Goodridge Public School District / 834 |
| 31. | 39.5% | Ashby Public School District / 1,311 |
| 32. | 39.4% | Battle Lake Public School District / 4,164 |
| 33. | 39.2% | Roseville Public School District / 53,016 |
| 34. | 38.9% | Randolph Public School District / 2,196 |
| 35. | 38.9% | Rush City Public School District / 6,089 |
| 36. | 38.8% | St. Peter Public School District / 14,337 |
| 37. | 38.7% | McGregor Public School District / 3,832 |
| 38. | 38.6% | Dover-Eyota Public School District / 4,145 |
| 39. | 38.5% | Goodhue Public School District / 2,958 |
| 40. | 38.4% | North Branch Public Schools / 18,950 |
| 41. | 38.3% | Butterfield Public School District / 1,345 |
| 42. | 38.2% | Pine City Public School District / 9,789 |
| 43. | 37.9% | Brandon Public School District / 1,721 |
| 44. | 37.8% | Big Lake Public School District / 15,928 |
| 45. | 37.8% | Forest Lake Public School District / 43,181 |
| 46. | 37.8% | Annandale Public School District / 9,967 |
| 47. | 37.7% | Eden Valley-Watkins School District / 5,135 |
| 48. | 37.7% | Roseau Public School District / 7,232 |
| 49. | 37.6% | Litchfield Public School District / 11,479 |
| 50. | 37.6% | East Grand Forks Public School District / 9,295 |
| 51. | 37.6% | Hutchinson Public School District / 18,289 |
| 52. | 37.6% | Ellsworth Public School District / 1,070 |
| 53. | 37.5% | Red Wing Public School District / 18,648 |
| 54. | 37.5% | Belle Plaine Public School District / 9,055 |
| 55. | 37.4% | Hinckley-Finlayson School District / 7,133 |
| 56. | 37.3% | Janesville-Waldorf-Pemberton Public School District / 4,304 |
| 57. | 37.3% | Alden-Conger Public School District / 1,632 |
| 58. | 37.2% | Laporte Public School District / 1,531 |
| 58. | 37.2% | Owatonna Public School District / 28,784 |
| 60. | 37.2% | Kenyon-Wanamingo School District / 5,166 |
| 60. | 37.2% | Fosston Public School District / 3,682 |
| 62. | 37.2% | Win-E-Mac School District / 3,542 |
| 63. | 37.1% | Glencoe-Silver Lake School District / 11,666 |
| 64. | 37.0% | St. Louis Park Public School District / 42,998 |
| 64. | 37.0% | Staples-Motley School District / 10,625 |
| 66. | 36.9% | Norman County East School District / 2,061 |
| 67. | 36.8% | Herman-Norcross School District / 1,025 |
| 67. | 36.8% | Badger Public School District / 1,158 |
| 69. | 36.8% | Maple River School District / 6,113 |
| 70. | 36.8% | Fridley Public School District / 14,781 |
| 71. | 36.7% | Howard Lake-Waverly-Winsted Public School District / 8,587 |
| 72. | 36.6% | Montgomery-Lonsdale School District / 8,615 |
| 73. | 36.6% | Farmington Public School District / 29,461 |
| 74. | 36.5% | Prinsburg Public School District / 850 |
| 75. | 36.4% | Hermantown Public School District / 11,196 |
| 76. | 36.4% | Ogilvie Public School District / 3,600 |
| 76. | 36.4% | St. Francis Public School District / 32,309 |
| 78. | 36.3% | Edgerton Public School District / 2,361 |
| 79. | 36.1% | Belgrade-Brooten-Elrosa School District / 4,180 |
| 80. | 36.1% | Blooming Prairie Public School District / 4,228 |
| 80. | 36.1% | Mankato Public School District / 58,557 |
| 82. | 36.1% | Spring Lake Park Public Schools / 29,609 |
| 83. | 35.9% | Henning Public School District / 3,032 |
| 84. | 35.9% | Lake Benton Public School District / 1,423 |
| 85. | 35.9% | Lester Prairie Public School District / 2,979 |
| 86. | 35.7% | Murray County Central School District / 4,782 |
| 87. | 35.7% | Warren-Alvarado-Oslo School District / 4,118 |
| 88. | 35.6% | New Ulm Public School District / 19,322 |
| 89. | 35.6% | Carlton Public School District / 4,156 |
| 90. | 35.5% | St. Clair Public School District / 2,459 |
| 91. | 35.5% | Thief River Falls School District / 13,149 |
| 92. | 35.5% | Norwood Public School District / 8,007 |
| 93. | 35.5% | Hibbing Public School District / 17,336 |
| 94. | 35.4% | Barnum Public School District / 3,822 |
| 95. | 35.4% | United South Central School District / 6,236 |
| 96. | 35.3% | Monticello Public School District / 20,314 |
| 97. | 35.3% | Dassel-Cokato Public School District / 9,800 |
| 98. | 35.1% | Pierz Public School District / 5,291 |
| 99. | 35.1% | Kerkhoven-Murdock-Sunburg Public School District / 2,759 |
| 100. | 35.1% | GFW Schools / 5,739 |
| 101. | 35.1% | Hastings Public School District / 31,404 |
| 102. | 35.1% | Buffalo Public School District / 30,031 |
| 103. | 35.0% | Benson Public School District / 5,561 |
| 104. | 34.9% | Proctor Public School District / 10,244 |
| 105. | 34.9% | Lyle Public School District / 1,093 |
| 106. | 34.9% | Stephen-Argyle Central Schools / 1,755 |
| 107. | 34.8% | Martin County West Public School District / 4,564 |
| 108. | 34.7% | Hills-Beaver Creek School District / 1,959 |
| 109. | 34.6% | Northland Community Schools / 4,474 |
| 110. | 34.6% | Melrose Public School District / 8,440 |
| 111. | 34.6% | Pine Island Public School District / 6,673 |
| 112. | 34.6% | Heron Lake-Okabena School District / 1,632 |
| 113. | 34.5% | Eagle Valley Public School District / 2,759 |
| 114. | 34.4% | North St. Paul-Maplewood School District / 75,152 |
| 115. | 34.4% | Browerville Public School District / 2,243 |
| 115. | 34.4% | Medford Public School District / 3,195 |
| 117. | 34.4% | Greenway Public School District / 8,361 |
| 118. | 34.3% | Alexandria Public School District / 28,910 |
| 119. | 34.2% | Northfield Public School District / 26,338 |
| 120. | 34.2% | Lewiston-Altura Public School District / 3,921 |
| 121. | 34.1% | Buffalo Lake-Hector School District / 3,265 |
| 122. | 34.0% | Wrenshall Public School District / 1,830 |
| 123. | 34.0% | Bird Island-Olivia-Lake Lillian Public School District / 5,110 |
| 124. | 33.9% | Sauk Rapids Public School District / 22,383 |
| 124. | 33.9% | Eveleth-Gilbert School District / 8,062 |
| 126. | 33.8% | Austin Public School District / 27,161 |
| 127. | 33.7% | Lake Park Audubon School District / 4,622 |
| 127. | 33.7% | Round Lake Public School District / 842 |
| 129. | 33.6% | Moorhead Public School District / 39,882 |
| 130. | 33.5% | Deer River Public School District / 5,384 |
| 131. | 33.5% | Moose Lake Public School District / 5,431 |
| 132. | 33.4% | Menahga Public School District / 3,425 |
| 133. | 33.4% | Hopkins Public School District / 61,894 |
| 134. | 33.4% | Minnewaska School District / 9,307 |
| 135. | 33.3% | Ulen-Hitterdal Public School District / 1,575 |
| 136. | 33.3% | Detroit Lakes Public School District / 16,237 |
| 137. | 33.3% | South St. Paul Public School District / 19,120 |
| 138. | 33.3% | Wabasso Public School District / 2,480 |
| 139. | 33.3% | Fairmont Area School District / 12,347 |
| 140. | 33.2% | Albert Lea Public School District / 23,115 |
| 141. | 33.1% | Bemidji Public School District / 35,469 |
| 142. | 33.1% | Zumbrota-Mazeppa School District / 6,334 |
| 143. | 33.1% | Hawley Public School District / 3,517 |
| 143. | 33.1% | Chatfield Public Schools / 5,238 |
| 145. | 33.1% | Bloomington Public School District / 81,932 |
| 146. | 32.9% | South Washington County School District / 85,389 |
| 147. | 32.9% | Crosby-Ironton Public School District / 10,417 |
| 148. | 32.9% | NRHEG School District / 5,288 |
| 149. | 32.8% | New York Mills Public School District / 3,570 |
| 150. | 32.8% | Name N/A / 1,836 |
| 151. | 32.8% | Pipestone Area School District / 7,478 |
| 152. | 32.8% | Southland Public School District / 3,595 |
| 153. | 32.7% | Mountain Lake Public Schools / 2,963 |
| 154. | 32.6% | Elk River Public School District / 63,397 |
| 155. | 32.6% | Cleveland Public School District / 2,373 |
| 156. | 32.6% | Pequot Lakes Public School District / 8,395 |
| 157. | 32.5% | Grand Rapids Public School District / 26,833 |
| 157. | 32.5% | West Central Area Schools / 5,139 |
| 157. | 32.5% | Wabasha-Kellogg Public School District / 5,607 |
| 160. | 32.4% | Caledonia Public School District / 6,319 |
| 161. | 32.3% | Nashwauk-Keewatin School District / 4,017 |
| 162. | 32.3% | Esko Public School District / 5,249 |
| 163. | 32.3% | Burnsville Public School District / 67,700 |
| 164. | 32.3% | Minneapolis Public School District / 379,499 |
| 165. | 32.3% | Cambridge-Isanti Public School District / 28,862 |
| 165. | 32.3% | Cedar Mountain School District / 2,651 |
| 167. | 32.2% | Duluth Public School District / 93,579 |
| 168. | 32.2% | Sebeka Public School District / 2,636 |
| 169. | 32.1% | Bagley Public School District / 5,609 |
| 170. | 32.1% | Milroy Public School District / 731 |
| 171. | 32.0% | Greenbush-Middle River School District / 2,669 |
| 172. | 32.0% | Robbinsdale Public School District / 97,971 |
| 173. | 31.9% | Windom Public School District / 5,831 |
| 174. | 31.8% | Waterville-Elysian-Morristown School District / 6,144 |
| 175. | 31.8% | Nicollet Public School District / 2,521 |
| 176. | 31.8% | Brainerd Public School District / 43,428 |
| 177. | 31.7% | Blackduck Public School District / 3,746 |
| 178. | 31.7% | Blue Earth Area Public School District / 8,449 |
| 179. | 31.6% | Montevideo Public School District / 7,493 |
| 180. | 31.6% | La Crescent-Hokah School District / 8,646 |
| 181. | 31.5% | Jordan Public School District / 7,512 |
| 182. | 31.5% | Shakopee Public School District / 37,988 |
| 182. | 31.5% | Warroad Public School District / 6,002 |
| 184. | 31.5% | Sleepy Eye Public School District / 5,420 |
| 185. | 31.5% | Lake Crystal-Wellcome Memorial School District / 6,063 |
| 186. | 31.4% | Waubun Public School District / 3,138 |
| 187. | 31.3% | St. Louis County School District / 17,746 |
| 188. | 31.2% | Name N/A / 736 |
| 189. | 31.2% | Kimball Public School District / 4,405 |
| 190. | 31.1% | Lake City Public School District / 9,281 |
| 191. | 31.1% | Princeton Public School District / 18,902 |
| 192. | 31.1% | Climax Public School District / 1,016 |
| 193. | 31.1% | Anoka-Hennepin Public School District / 222,959 |
| 194. | 31.0% | Willmar Public School District / 23,965 |
| 195. | 31.0% | Richfield Public School District / 36,478 |
| 196. | 31.0% | Mahnomen Public School District / 3,656 |
| 196. | 31.0% | Red Rock Central School District / 3,663 |
| 196. | 31.0% | Sartell-St. Stephen School District / 14,574 |
| 196. | 31.0% | Cass Lake-Bena Schools Public Schools / 4,385 |
| 200. | 30.9% | Swanville Public School District / 1,743 |
| 201. | 30.9% | New London-Spicer School District / 9,087 |
| 202. | 30.9% | Braham Public School District / 5,440 |
| 202. | 30.9% | Park Rapids Public School District / 10,998 |
| 204. | 30.9% | St. Anthony-New Brighton Schools / 10,079 |
| 205. | 30.8% | St. Charles Public School District / 5,529 |
| 206. | 30.8% | Fulda Public School District / 2,792 |
| 207. | 30.8% | Isle Public School District / 3,380 |
| 208. | 30.8% | West St. Paul-Mendota Heights-Eagan School District / 41,554 |
| 208. | 30.8% | Fillmore Central Schools / 4,880 |
| 210. | 30.7% | Milaca Public School District / 11,401 |
| 210. | 30.7% | Osseo Public School District / 130,704 |
| 212. | 30.7% | Truman Public School District / 2,507 |
| 213. | 30.7% | Faribault Public School District / 30,363 |
| 214. | 30.6% | Dawson-Boyd Public School District / 2,969 |
| 215. | 30.6% | Clinton-Graceville-Beardsley Public School District / 2,454 |
| 216. | 30.6% | Plummer Public School District / 942 |
| 217. | 30.5% | Nevis Public School District / 2,170 |
| 218. | 30.5% | Name N/A / 2,716 |
| 219. | 30.5% | Verndale Public School District / 1,319 |
| 219. | 30.5% | Centennial Public School District / 32,512 |
| 221. | 30.5% | Cloquet Public School District / 13,477 |
| 222. | 30.5% | Pine River-Backus Public School District / 7,321 |
| 223. | 30.4% | Rosemount-Apple Valley-Eagan School District / 144,204 |
| 223. | 30.4% | Wayzata Public School District / 58,140 |
| 225. | 30.3% | Hayfield Public School District / 4,798 |
| 226. | 30.3% | Willow River Public School District / 3,225 |
| 227. | 30.2% | East Central School District / 7,035 |
| 228. | 30.1% | Mahtomedi Public School District / 13,982 |
| 228. | 30.1% | Grand Meadow Public School District / 1,858 |
| 230. | 30.1% | Name N/A / 4,158 |
| 231. | 30.1% | Aitkin Public School District / 9,613 |
| 232. | 30.0% | Onamia Public School District / 5,606 |
| 233. | 30.0% | Adrian Public School District / 2,508 |
| 233. | 30.0% | Albany Public School District / 8,732 |
| 235. | 30.0% | Spring Grove School District / 2,114 |
| 236. | 29.9% | Redwood Area School District / 8,133 |
| 237. | 29.8% | Marshall Public School District / 14,703 |
| 238. | 29.7% | Eastern Carver County District 112 Public Schools / 49,774 |
| 239. | 29.7% | Luverne Public School District / 6,937 |
| 240. | 29.7% | St. Paul Public School District / 278,384 |
| 241. | 29.6% | Underwood Public School District / 2,260 |
| 242. | 29.6% | Wadena-Deer Creek School District / 7,510 |
| 243. | 29.6% | Dilworth-Glyndon-Felton School District / 5,950 |
| 244. | 29.5% | Westonka Public School District / 17,718 |
| 245. | 29.5% | Byron Public School District / 7,347 |
| 245. | 29.5% | Rushford-Peterson Public Schools / 4,204 |
| 247. | 29.5% | Mounds View Public School District / 75,032 |
| 248. | 29.3% | Mesabi East School District / 7,989 |
| 249. | 29.3% | Long Prairie-Grey Eagle School District / 7,836 |
| 250. | 29.3% | Pelican Rapids Public School District / 6,947 |
| 251. | 29.2% | St. Cloud Public School District / 97,695 |
| 252. | 29.2% | Walker-Hackensack-Akeley School District / 7,521 |
| 253. | 29.1% | Comfrey Public School District / 1,168 |
| 254. | 29.1% | New Prague Area Schools / 16,866 |
| 255. | 29.1% | St. Michael-Albertville School District / 20,509 |
| 256. | 29.1% | Yellow Medicine East School District / 7,102 |
| 257. | 29.0% | Edina Public School District / 37,989 |
| 258. | 28.9% | Grygla Public School District / 967 |
| 259. | 28.8% | Little Falls Public School District / 17,310 |
| 260. | 28.8% | Bertha-Hewitt Public School District / 2,270 |
| 261. | 28.8% | Watertown-Mayer Public School District / 8,799 |
| 262. | 28.8% | Lake Superior Public School District / 13,361 |
| 263. | 28.7% | Canby Public School District / 3,386 |
| 264. | 28.7% | Stillwater Area Public School District / 56,872 |
| 265. | 28.7% | Parkers Prairie Public School District / 2,880 |
| 266. | 28.7% | Name N/A / 5,181 |
| 267. | 28.6% | Mora Public School District / 11,063 |
| 268. | 28.5% | Osakis Public School District / 3,721 |
| 269. | 28.4% | Frazee-Vergas Public School District / 7,085 |
| 270. | 28.4% | Orono Public School District / 12,926 |
| 271. | 28.4% | Waconia Public School District / 18,641 |
| 272. | 28.3% | Minnetonka Public School District / 41,147 |
| 273. | 28.3% | Fergus Falls Public School District / 20,016 |
| 273. | 28.3% | Tri-County School District / 1,980 |
| 275. | 28.2% | Red Lake Falls Public School District / 2,406 |
| 276. | 28.2% | ACGC School District / 5,836 |
| 277. | 28.2% | Ivanhoe Public School District / 1,314 |
| 278. | 28.2% | White Bear Lake School District / 60,582 |
| 279. | 28.1% | Ada-Borup Public School District / 2,504 |
| 280. | 28.1% | Winona Area Public School District / 38,882 |
| 281. | 27.9% | Oklee Public School District / 1,164 |
| 282. | 27.8% | Upsala Public School District / 2,186 |
| 283. | 27.8% | Fertile-Beltrami School District / 2,675 |
| 284. | 27.8% | Perham Public School District / 9,728 |
| 285. | 27.7% | Prior Lake-Savage Area Schools / 37,949 |
| 286. | 27.7% | Lac Qui Parle Valley School District / 8,118 |
| 287. | 27.6% | Renville County West School District / 4,273 |
| 288. | 27.5% | Triton School District / 6,882 |
| 289. | 27.4% | Maple Lake Public School District / 4,636 |
| 290. | 27.4% | Ely Public School District / 5,227 |
| 291. | 27.4% | Royalton Public School District / 3,548 |
| 292. | 27.3% | Rochester Public School District / 115,003 |
| 293. | 27.3% | Lakeville Public School District / 48,564 |
| 294. | 27.3% | Lancaster Public School District / 782 |
| 295. | 27.2% | Rockford Public School District / 9,645 |
| 296. | 27.2% | Kingsland Public School District / 5,235 |
| 297. | 27.2% | Westbrook-Walnut Grove Schools / 2,769 |
| 298. | 27.1% | LeSueur-Henderson School District / 7,620 |
| 299. | 26.9% | Lakeview School District / 2,625 |
| 300. | 26.9% | Campbell-Tintah Public School District / 911 |
| 301. | 26.7% | Kasson-Mantorville School District / 9,673 |
| 302. | 26.7% | Wheaton Area School Public School District / 2,352 |
| 303. | 26.6% | Chisholm Public School District / 5,406 |
| 304. | 26.4% | Lake of the Woods School District / 3,716 |
| 305. | 26.4% | Clearbrook-Gonvick School District / 2,851 |
| 306. | 26.4% | Lynd Public School District / 1,044 |
| 306. | 26.4% | Kittson Central School District / 2,198 |
| 308. | 26.2% | Holdingford Public School District / 5,094 |
| 309. | 26.2% | Becker Public School District / 11,232 |
| 310. | 26.0% | Pillager Public School District / 4,858 |
| 311. | 26.0% | Mabel-Canton Public School District / 2,257 |
| 312. | 25.9% | Virginia Public School District / 10,651 |
| 313. | 25.5% | Inver Grove Heights Schools / 27,911 |
| 313. | 25.5% | Foley Public School District / 9,194 |
| 315. | 25.4% | Eden Prairie Public School District / 58,590 |
| 316. | 25.4% | Lanesboro Public School District / 1,633 |
| 317. | 25.1% | Rocori Public School District / 11,898 |
| 318. | 25.1% | St. James Public School District / 6,119 |
| 319. | 24.8% | Madelia Public School District / 3,541 |
| 320. | 24.6% | Marshall County Central Schools / 1,893 |
| 320. | 24.6% | LeCenter Public School District / 4,383 |
| 322. | 24.6% | Granada-Huntley-East Chain Public School District / 1,786 |
| 322. | 24.6% | Paynesville Public School District / 6,126 |
| 324. | 24.4% | South Koochiching School District / 1,567 |
| 325. | 24.4% | Cyrus Public School District / 838 |
| 326. | 24.1% | Morris Public School District / 7,030 |
| 327. | 24.0% | Delano Public School District / 10,191 |
| 328. | 23.9% | Worthington Public School District / 14,103 |
| 329. | 23.7% | LeRoy Public School District / 2,042 |
| 330. | 23.5% | Name N/A / 627 |
| 331. | 23.5% | Barnesville Public School District / 4,310 |
| 332. | 23.5% | Cromwell-Wright Public Schools / 1,677 |
| 333. | 23.1% | Rothsay Public School District / 1,051 |
| 334. | 23.0% | Brewster Public School District / 1,059 |
| 335. | 22.7% | Littlefork-Big Falls School District / 1,698 |
| 336. | 22.6% | Name N/A / 864 |
| 337. | 22.4% | Fisher Public School District / 1,092 |
| 338. | 20.3% | Mountain Iron-Buhl School District / 4,386 |
| 339. | 19.5% | Floodwood Public School District / 1,478 |
| 340. | 19.2% | Hancock Public School District / 1,317 |
| 341. | 19.0% | Cook County Public Schools / 5,411 |
| 342. | 15.1% | Red Lake Public School District / 5,331 |
| 343. | 8.3% | Pine Point Public School District / 269 |
Please note that we only rank locations with 'Percentage of Houses without 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 without 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.
