| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 29.7% | Nett Lake Public School District / 451 |
| 2. | 25.3% | Kelliher Public School District / 1,026 |
| 3. | 17.5% | Badger Public School District / 1,073 |
| 4. | 17.2% | Jordan Public School District / 9,034 |
| 5. | 16.0% | Osakis Public School District / 4,052 |
| 6. | 16.0% | Name N/A / 257 |
| 6. | 16.0% | Pine Point Public School District / 257 |
| 6. | 16.0% | Name N/A / 404 |
| 9. | 15.9% | South Koochiching School District / 1,260 |
| 10. | 15.8% | Richfield Public School District / 40,951 |
| 11. | 15.7% | Caledonia Public School District / 5,934 |
| 12. | 15.4% | Westonka Public School District / 18,084 |
| 13. | 15.3% | Cass Lake-Bena Schools Public Schools / 4,043 |
| 14. | 15.1% | Littlefork-Big Falls School District / 1,642 |
| 15. | 15.1% | Upsala Public School District / 1,945 |
| 16. | 14.7% | Fertile-Beltrami School District / 2,806 |
| 17. | 14.5% | Butterfield Public School District / 1,183 |
| 18. | 14.3% | Belle Plaine Public School District / 9,017 |
| 19. | 14.1% | Watertown-Mayer Public School District / 9,851 |
| 19. | 14.1% | Lancaster Public School District / 874 |
| 21. | 13.7% | Ogilvie Public School District / 3,570 |
| 22. | 13.5% | Blackduck Public School District / 3,633 |
| 22. | 13.5% | Belgrade-Brooten-Elrosa School District / 3,999 |
| 24. | 13.5% | Cannon Falls Public School District / 7,911 |
| 25. | 13.4% | Fisher Public School District / 901 |
| 26. | 13.4% | Onamia Public School District / 5,753 |
| 27. | 12.5% | Becker Public School District / 11,639 |
| 28. | 12.5% | Pine City Public School District / 10,733 |
| 29. | 12.5% | Deer River Public School District / 5,414 |
| 30. | 12.4% | Eden Valley-Watkins School District / 4,765 |
| 31. | 12.3% | Mabel-Canton Public School District / 2,274 |
| 32. | 12.2% | Annandale Public School District / 10,161 |
| 33. | 12.1% | Albany Public School District / 9,016 |
| 34. | 12.0% | Henning Public School District / 2,955 |
| 35. | 12.0% | Willow River Public School District / 3,308 |
| 36. | 11.9% | Farmington Public School District / 33,694 |
| 37. | 11.9% | Minneapolis Public School District / 394,424 |
| 38. | 11.8% | Franconia Public School District / 204 |
| 39. | 11.7% | Red Wing Public School District / 19,499 |
| 40. | 11.7% | Marshall Public School District / 15,605 |
| 41. | 11.5% | Ivanhoe Public School District / 1,266 |
| 42. | 11.4% | Bagley Public School District / 5,899 |
| 43. | 11.3% | McGregor Public School District / 4,057 |
| 44. | 11.2% | Walker-Hackensack-Akeley School District / 7,406 |
| 45. | 11.2% | New Prague Area Schools / 19,885 |
| 46. | 11.2% | Greenbush-Middle River School District / 2,799 |
| 47. | 11.2% | Clearbrook-Gonvick School District / 3,026 |
| 48. | 11.0% | LeRoy Public School District / 1,744 |
| 49. | 10.9% | Frazee-Vergas Public School District / 6,716 |
| 50. | 10.9% | Brooklyn Center School District / 9,394 |
| 51. | 10.8% | Isle Public School District / 3,244 |
| 52. | 10.8% | Name N/A / 11,878 |
| 53. | 10.8% | Menahga Public School District / 3,592 |
| 54. | 10.8% | Rocori Public School District / 12,850 |
| 54. | 10.8% | Long Prairie-Grey Eagle School District / 8,317 |
| 56. | 10.7% | Columbia Heights Public School District / 25,672 |
| 57. | 10.6% | Medford Public School District / 3,303 |
| 58. | 10.6% | Tri-County School District / 2,061 |
| 59. | 10.6% | Parkers Prairie Public School District / 2,790 |
| 60. | 10.5% | Eagle Valley Public School District / 2,757 |
| 61. | 10.4% | Milaca Public School District / 11,655 |
| 62. | 10.4% | Melrose Public School District / 8,830 |
| 63. | 10.3% | Little Falls Public School District / 17,608 |
| 64. | 10.3% | Orono Public School District / 12,423 |
| 64. | 10.3% | Goodridge Public School District / 899 |
| 66. | 10.2% | Staples-Motley School District / 9,624 |
| 67. | 10.2% | Lake Benton Public School District / 1,359 |
| 68. | 10.0% | Fosston Public School District / 3,796 |
| 69. | 10.0% | Edina Public School District / 40,310 |
| 70. | 9.9% | Verndale Public School District / 1,902 |
| 71. | 9.9% | Lynd Public School District / 1,147 |
| 72. | 9.9% | Waconia Public School District / 20,542 |
| 73. | 9.9% | Howard Lake-Waverly-Winsted Public School District / 9,040 |
| 74. | 9.8% | Pierz Public School District / 5,109 |
| 75. | 9.8% | Battle Lake Public School District / 4,138 |
| 76. | 9.8% | Bertha-Hewitt Public School District / 2,464 |
| 77. | 9.8% | Pillager Public School District / 5,217 |
| 78. | 9.8% | Bemidji Public School District / 37,683 |
| 79. | 9.7% | Fridley Public School District / 15,201 |
| 80. | 9.7% | Win-E-Mac School District / 3,404 |
| 81. | 9.7% | MACCRAY School District / 4,264 |
| 81. | 9.7% | Delano Public School District / 11,089 |
| 83. | 9.6% | Mahnomen Public School District / 3,729 |
| 84. | 9.6% | New London-Spicer School District / 9,350 |
| 85. | 9.5% | Kenyon-Wanamingo School District / 5,555 |
| 86. | 9.5% | Foley Public School District / 9,178 |
| 87. | 9.4% | Wrenshall Public School District / 1,851 |
| 88. | 9.4% | Lake Park Audubon School District / 4,664 |
| 89. | 9.4% | Big Lake Public School District / 17,562 |
| 90. | 9.4% | Ellsworth Public School District / 980 |
| 91. | 9.3% | Hills-Beaver Creek School District / 2,195 |
| 92. | 9.3% | Comfrey Public School District / 1,274 |
| 93. | 9.3% | Hinckley-Finlayson School District / 7,048 |
| 94. | 9.3% | Mora Public School District / 10,660 |
| 95. | 9.3% | Chisago Lakes School District / 21,244 |
| 96. | 9.3% | North Branch Public Schools / 19,977 |
| 97. | 9.2% | Pine Island Public School District / 6,286 |
| 98. | 9.2% | Zumbrota-Mazeppa School District / 7,034 |
| 98. | 9.2% | Maple Lake Public School District / 5,041 |
| 100. | 9.1% | Sauk Centre Public School District / 7,773 |
| 101. | 9.0% | Browerville Public School District / 2,360 |
| 102. | 9.0% | Detroit Lakes Public School District / 17,099 |
| 102. | 9.0% | Campbell-Tintah Public School District / 772 |
| 102. | 9.0% | RTR Public School District / 3,499 |
| 105. | 9.0% | Moose Lake Public School District / 5,835 |
| 106. | 9.0% | Proctor Public School District / 12,917 |
| 107. | 8.9% | GFW Schools / 5,748 |
| 107. | 8.9% | Heron Lake-Okabena School District / 1,608 |
| 109. | 8.9% | Cromwell-Wright Public Schools / 1,641 |
| 109. | 8.9% | Hill City Public School District / 1,420 |
| 111. | 8.9% | West Central Area Schools / 5,055 |
| 112. | 8.8% | Redwood Area School District / 8,012 |
| 113. | 8.8% | Lake City Public School District / 8,709 |
| 114. | 8.7% | Hibbing Public School District / 17,563 |
| 115. | 8.7% | Buffalo Public School District / 31,854 |
| 116. | 8.7% | Minnetonka Public School District / 40,452 |
| 117. | 8.7% | East Central School District / 7,014 |
| 118. | 8.7% | Mahtomedi Public School District / 14,589 |
| 119. | 8.7% | Cedar Mountain School District / 2,627 |
| 120. | 8.7% | Herman-Norcross School District / 945 |
| 120. | 8.7% | Litchfield Public School District / 11,713 |
| 122. | 8.6% | Barnesville Public School District / 4,485 |
| 122. | 8.6% | Faribault Public School District / 30,713 |
| 124. | 8.5% | Minneota Public School District / 2,665 |
| 125. | 8.5% | Sebeka Public School District / 2,739 |
| 126. | 8.4% | Waterville-Elysian-Morristown School District / 6,374 |
| 127. | 8.4% | Spring Grove School District / 2,230 |
| 127. | 8.4% | ACGC School District / 5,888 |
| 129. | 8.4% | Fillmore Central Schools / 4,839 |
| 130. | 8.4% | Maple River School District / 5,720 |
| 131. | 8.3% | Norman County East School District / 2,164 |
| 132. | 8.3% | Worthington Public School District / 15,904 |
| 133. | 8.2% | Pine River-Backus Public School District / 6,846 |
| 133. | 8.2% | Waubun Public School District / 3,564 |
| 135. | 8.2% | St. Paul Public School District / 291,728 |
| 136. | 8.2% | Virginia Public School District / 10,680 |
| 136. | 8.2% | Spring Lake Park Public Schools / 31,390 |
| 136. | 8.2% | Benson Public School District / 5,395 |
| 136. | 8.2% | Waseca Public School District / 12,369 |
| 140. | 8.2% | Aitkin Public School District / 9,965 |
| 141. | 8.1% | Wayzata Public School District / 61,881 |
| 141. | 8.1% | St. Anthony-New Brighton Schools / 10,261 |
| 141. | 8.1% | Park Rapids Public School District / 12,260 |
| 144. | 8.1% | Holdingford Public School District / 4,890 |
| 145. | 8.1% | Lester Prairie Public School District / 2,792 |
| 146. | 8.0% | Plainview-Elgin-Millville Public School District / 7,907 |
| 147. | 8.0% | Hastings Public School District / 32,079 |
| 148. | 8.0% | Sauk Rapids Public School District / 23,585 |
| 149. | 8.0% | Kasson-Mantorville School District / 10,157 |
| 150. | 8.0% | Ulen-Hitterdal Public School District / 1,819 |
| 151. | 7.9% | Moorhead Public School District / 44,730 |
| 152. | 7.9% | Centennial Public School District / 32,175 |
| 153. | 7.9% | Stewartville Public School District / 8,840 |
| 154. | 7.9% | Climax Public School District / 857 |
| 155. | 7.9% | Carlton Public School District / 4,512 |
| 155. | 7.9% | Roseville Public School District / 55,972 |
| 157. | 7.8% | Duluth Public School District / 93,390 |
| 158. | 7.8% | Dover-Eyota Public School District / 4,217 |
| 158. | 7.8% | Hutchinson Public School District / 18,057 |
| 160. | 7.8% | Perham Public School District / 10,660 |
| 161. | 7.7% | Wabasso Public School District / 2,440 |
| 162. | 7.7% | St. Louis County School District / 17,811 |
| 163. | 7.6% | Prior Lake-Savage Area Schools / 40,478 |
| 163. | 7.6% | Southland Public School District / 3,503 |
| 165. | 7.6% | Hopkins Public School District / 62,828 |
| 166. | 7.6% | Alexandria Public School District / 29,151 |
| 167. | 7.6% | Murray County Central School District / 4,949 |
| 168. | 7.6% | Buffalo Lake-Hector School District / 4,427 |
| 169. | 7.5% | Princeton Public School District / 20,390 |
| 169. | 7.5% | Robbinsdale Public School District / 100,813 |
| 171. | 7.5% | Milroy Public School District / 630 |
| 172. | 7.4% | Northland Community Schools / 4,587 |
| 173. | 7.4% | Pipestone Area School District / 7,495 |
| 174. | 7.3% | Stillwater Area Public School District / 60,365 |
| 175. | 7.3% | Janesville-Waldorf-Pemberton Public School District / 5,196 |
| 176. | 7.2% | Alden-Conger Public School District / 1,501 |
| 177. | 7.2% | West St. Paul-Mendota Heights-Eagan School District / 42,770 |
| 178. | 7.1% | Grygla Public School District / 1,002 |
| 178. | 7.1% | Roseau Public School District / 6,620 |
| 180. | 7.1% | Houston Public School District / 2,856 |
| 181. | 7.1% | Lake of the Woods School District / 3,714 |
| 182. | 7.1% | NRHEG School District / 4,905 |
| 182. | 7.1% | Crookston Public School District / 9,876 |
| 184. | 7.0% | United South Central School District / 6,092 |
| 185. | 7.0% | Sleepy Eye Public School District / 5,354 |
| 186. | 7.0% | Eveleth-Gilbert School District / 8,832 |
| 187. | 7.0% | Name N/A / 2,121 |
| 188. | 7.0% | Rosemount-Apple Valley-Eagan School District / 145,683 |
| 189. | 7.0% | St. Louis Park Public School District / 44,740 |
| 189. | 7.0% | Bird Island-Olivia-Lake Lillian Public School District / 4,916 |
| 191. | 6.9% | New Ulm Public School District / 19,070 |
| 192. | 6.9% | Lakeville Public School District / 53,607 |
| 192. | 6.9% | Adrian Public School District / 2,460 |
| 194. | 6.9% | Hancock Public School District / 1,285 |
| 195. | 6.9% | St. Cloud Public School District / 97,115 |
| 196. | 6.9% | Tracy Area Public School District / 5,028 |
| 197. | 6.8% | Norwood Public School District / 7,927 |
| 198. | 6.8% | St. Peter Public School District / 14,998 |
| 198. | 6.8% | Barnum Public School District / 4,047 |
| 200. | 6.8% | Marshall County Central Schools / 2,008 |
| 201. | 6.8% | International Falls Public School District / 10,009 |
| 202. | 6.8% | Thief River Falls School District / 13,464 |
| 202. | 6.8% | Grand Rapids Public School District / 27,796 |
| 204. | 6.8% | Wabasha-Kellogg Public School District / 5,332 |
| 204. | 6.8% | Crosby-Ironton Public School District / 10,558 |
| 206. | 6.7% | Chokio-Alberta Public School District / 1,227 |
| 206. | 6.7% | Laporte Public School District / 1,777 |
| 208. | 6.7% | Glencoe-Silver Lake School District / 13,123 |
| 208. | 6.7% | Greenway Public School District / 8,465 |
| 208. | 6.7% | Royalton Public School District / 3,818 |
| 211. | 6.7% | Northfield Public School District / 28,332 |
| 211. | 6.7% | Wheaton Area School Public School District / 2,178 |
| 211. | 6.7% | Forest Lake Public School District / 46,852 |
| 214. | 6.7% | East Grand Forks Public School District / 10,086 |
| 214. | 6.7% | White Bear Lake School District / 62,931 |
| 216. | 6.7% | Springfield Public School District / 3,258 |
| 216. | 6.7% | Norman County West School District / 1,456 |
| 218. | 6.6% | Floodwood Public School District / 1,568 |
| 219. | 6.6% | Sibley East School District / 7,512 |
| 220. | 6.6% | Esko Public School District / 5,033 |
| 221. | 6.6% | Westbrook-Walnut Grove Schools / 3,062 |
| 222. | 6.6% | Rushford-Peterson Public Schools / 4,503 |
| 223. | 6.5% | Wadena-Deer Creek School District / 7,695 |
| 224. | 6.5% | Ada-Borup Public School District / 2,672 |
| 224. | 6.5% | Red Rock Central School District / 3,526 |
| 224. | 6.5% | Ely Public School District / 5,081 |
| 227. | 6.5% | St. Francis Public School District / 31,343 |
| 227. | 6.5% | Mesabi East School District / 7,475 |
| 229. | 6.5% | Cambridge-Isanti Public School District / 28,883 |
| 229. | 6.5% | Ortonville -Bellingham Public School District / 3,657 |
| 231. | 6.5% | Lewiston-Altura Public School District / 4,169 |
| 231. | 6.5% | Brainerd Public School District / 42,878 |
| 233. | 6.4% | Blue Earth Area Public School District / 7,907 |
| 234. | 6.4% | Sartell-St. Stephen School District / 17,925 |
| 235. | 6.4% | Randolph Public School District / 2,150 |
| 236. | 6.4% | St. Charles Public School District / 6,069 |
| 237. | 6.4% | Anoka-Hennepin Public School District / 229,083 |
| 238. | 6.3% | Hermantown Public School District / 11,689 |
| 239. | 6.3% | Nicollet Public School District / 2,557 |
| 240. | 6.3% | Luverne Public School District / 6,871 |
| 241. | 6.3% | Mounds View Public School District / 75,900 |
| 241. | 6.3% | New York Mills Public School District / 3,884 |
| 243. | 6.3% | Monticello Public School District / 21,392 |
| 244. | 6.2% | Bloomington Public School District / 85,030 |
| 244. | 6.2% | Kerkhoven-Murdock-Sunburg Public School District / 2,726 |
| 246. | 6.1% | Kimball Public School District / 4,501 |
| 247. | 6.1% | Jackson County Central School District / 7,845 |
| 247. | 6.1% | Inver Grove Heights Schools / 29,435 |
| 249. | 6.1% | Pequot Lakes Public School District / 9,983 |
| 250. | 6.1% | Pelican Rapids Public School District / 7,105 |
| 250. | 6.1% | Lyle Public School District / 1,141 |
| 252. | 6.0% | South Washington County School District / 95,736 |
| 253. | 6.0% | Kingsland Public School District / 5,129 |
| 254. | 5.9% | Eden Prairie Public School District / 59,171 |
| 255. | 5.9% | Elk River Public School District / 67,777 |
| 256. | 5.9% | Renville County West School District / 4,407 |
| 257. | 5.8% | Hawley Public School District / 3,898 |
| 258. | 5.8% | Austin Public School District / 28,414 |
| 259. | 5.7% | Rush City Public School District / 6,701 |
| 259. | 5.7% | Warren-Alvarado-Oslo School District / 3,635 |
| 261. | 5.7% | Hendricks Public School District / 1,038 |
| 262. | 5.7% | Winona Area Public School District / 39,907 |
| 263. | 5.6% | St. Michael-Albertville School District / 23,564 |
| 264. | 5.6% | Triton School District / 7,067 |
| 265. | 5.6% | Lanesboro Public School District / 1,672 |
| 265. | 5.6% | Minnewaska School District / 9,267 |
| 267. | 5.6% | Lac Qui Parle Valley School District / 6,685 |
| 268. | 5.6% | Underwood Public School District / 2,448 |
| 269. | 5.5% | North St. Paul-Maplewood School District / 78,239 |
| 269. | 5.5% | Cook County Public Schools / 5,197 |
| 271. | 5.5% | Burnsville Public School District / 67,433 |
| 272. | 5.4% | Dilworth-Glyndon-Felton School District / 5,532 |
| 273. | 5.4% | Name N/A / 8,020 |
| 273. | 5.4% | Nevis Public School District / 2,415 |
| 273. | 5.4% | Paynesville Public School District / 5,992 |
| 276. | 5.4% | Rochester Public School District / 122,242 |
| 277. | 5.4% | Red Lake Falls Public School District / 2,243 |
| 278. | 5.4% | La Crescent-Hokah School District / 8,425 |
| 279. | 5.3% | Truman Public School District / 2,357 |
| 280. | 5.3% | Breckenridge Public School District / 5,092 |
| 281. | 5.3% | LeSueur-Henderson School District / 7,340 |
| 282. | 5.3% | Owatonna Public School District / 29,200 |
| 283. | 5.2% | Madelia Public School District / 3,542 |
| 284. | 5.2% | Eastern Carver County District 112 Public Schools / 53,530 |
| 285. | 5.2% | Mountain Iron-Buhl School District / 4,500 |
| 286. | 5.2% | Browns Valley Public School District / 725 |
| 287. | 5.1% | Blooming Prairie Public School District / 4,247 |
| 287. | 5.1% | Ashby Public School District / 1,453 |
| 289. | 5.1% | Osseo Public School District / 139,267 |
| 290. | 5.1% | Chatfield Public Schools / 4,983 |
| 291. | 5.1% | St. Clair Public School District / 2,626 |
| 292. | 5.1% | Dassel-Cokato Public School District / 9,993 |
| 293. | 5.0% | Cloquet Public School District / 14,332 |
| 293. | 5.0% | Stephen-Argyle Central Schools / 1,877 |
| 295. | 5.0% | Lake Superior Public School District / 13,179 |
| 296. | 5.0% | Fulda Public School District / 2,513 |
| 297. | 5.0% | Canby Public School District / 3,783 |
| 297. | 5.0% | Albert Lea Public School District / 23,416 |
| 299. | 5.0% | Mankato Public School District / 64,001 |
| 300. | 5.0% | Braham Public School District / 5,942 |
| 301. | 4.9% | Prinsburg Public School District / 787 |
| 302. | 4.9% | Granada-Huntley-East Chain Public School District / 2,031 |
| 303. | 4.9% | Warroad Public School District / 6,039 |
| 304. | 4.9% | Clinton-Graceville-Beardsley Public School District / 2,356 |
| 305. | 4.8% | Kittson Central School District / 2,031 |
| 306. | 4.8% | Chisholm Public School District / 5,686 |
| 306. | 4.8% | Name N/A / 3,644 |
| 308. | 4.8% | Hayfield Public School District / 4,859 |
| 309. | 4.8% | Name N/A / 1,721 |
| 310. | 4.7% | Fairmont Area School District / 12,676 |
| 311. | 4.7% | Willmar Public School District / 25,704 |
| 312. | 4.6% | Windom Public School District / 5,995 |
| 313. | 4.5% | Rockford Public School District / 9,899 |
| 314. | 4.4% | Dawson-Boyd Public School District / 2,925 |
| 315. | 4.3% | Nashwauk-Keewatin School District / 3,738 |
| 316. | 4.3% | Grand Meadow Public School District / 1,807 |
| 317. | 4.3% | Shakopee Public School District / 43,623 |
| 318. | 4.2% | Edgerton Public School District / 2,325 |
| 318. | 4.2% | Montevideo Public School District / 7,488 |
| 320. | 4.0% | Yellow Medicine East School District / 6,508 |
| 321. | 4.0% | Martin County West Public School District / 4,328 |
| 322. | 4.0% | Mountain Lake Public Schools / 3,024 |
| 323. | 3.9% | Lake Crystal-Wellcome Memorial School District / 6,262 |
| 324. | 3.7% | Goodhue Public School District / 2,986 |
| 325. | 3.6% | Swanville Public School District / 1,934 |
| 326. | 3.6% | Red Lake Public School District / 5,894 |
| 327. | 3.6% | St. James Public School District / 6,388 |
| 328. | 3.6% | South St. Paul Public School District / 19,854 |
| 329. | 3.2% | Fergus Falls Public School District / 19,414 |
| 330. | 3.1% | Glenville-Emmons School District / 2,581 |
| 331. | 2.9% | Cleveland Public School District / 2,530 |
| 332. | 2.8% | Lakeview School District / 2,662 |
| 333. | 2.8% | Rothsay Public School District / 881 |
| 334. | 1.6% | Byron Public School District / 7,447 |
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.
