| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 35.3% | Pine Point Public School District / 251 |
| 2. | 29.1% | Kelliher Public School District / 1,198 |
| 3. | 24.5% | Brooklyn Center School District / 8,185 |
| 4. | 18.0% | LeRoy Public School District / 1,892 |
| 5. | 17.9% | Rockford Public School District / 9,442 |
| 6. | 17.3% | Hill City Public School District / 1,833 |
| 7. | 16.7% | Nett Lake Public School District / 344 |
| 8. | 16.0% | Cass Lake-Bena Schools Public Schools / 4,212 |
| 9. | 15.6% | Lancaster Public School District / 808 |
| 10. | 15.5% | Ogilvie Public School District / 3,635 |
| 11. | 15.4% | Stewartville Public School District / 8,472 |
| 12. | 15.4% | Isle Public School District / 3,492 |
| 13. | 15.1% | Pine City Public School District / 10,436 |
| 14. | 14.8% | Willow River Public School District / 3,522 |
| 15. | 14.7% | Herman-Norcross School District / 1,029 |
| 16. | 14.3% | Cannon Falls Public School District / 7,940 |
| 17. | 14.3% | Plainview-Elgin-Millville Public School District / 8,010 |
| 18. | 14.2% | Watertown-Mayer Public School District / 8,942 |
| 19. | 14.0% | Minneapolis Public School District / 379,631 |
| 20. | 14.0% | Lanesboro Public School District / 1,553 |
| 21. | 13.9% | Lake Benton Public School District / 1,502 |
| 22. | 13.6% | Red Lake Public School District / 5,684 |
| 23. | 13.5% | Medford Public School District / 3,224 |
| 24. | 13.5% | Blooming Prairie Public School District / 4,118 |
| 25. | 13.4% | LeSueur-Henderson School District / 7,659 |
| 26. | 13.2% | Onamia Public School District / 5,979 |
| 27. | 13.2% | Fillmore Central Schools / 4,783 |
| 27. | 13.2% | Richfield Public School District / 39,097 |
| 29. | 13.0% | Becker Public School District / 11,126 |
| 30. | 13.0% | Lewiston-Altura Public School District / 4,168 |
| 31. | 12.9% | Belle Plaine Public School District / 8,664 |
| 32. | 12.8% | Westonka Public School District / 17,152 |
| 33. | 12.6% | Parkers Prairie Public School District / 2,780 |
| 34. | 12.6% | RTR Public School District / 3,343 |
| 35. | 12.6% | Ellsworth Public School District / 975 |
| 36. | 12.4% | Norman County East School District / 2,174 |
| 37. | 12.4% | Badger Public School District / 1,081 |
| 38. | 12.4% | Caledonia Public School District / 6,300 |
| 39. | 12.3% | Jordan Public School District / 8,712 |
| 40. | 12.3% | Kenyon-Wanamingo School District / 5,392 |
| 41. | 12.3% | Waubun Public School District / 3,455 |
| 42. | 12.3% | Staples-Motley School District / 10,508 |
| 43. | 12.2% | Chatfield Public Schools / 4,925 |
| 44. | 12.1% | Red Lake Falls Public School District / 2,322 |
| 45. | 12.0% | Big Lake Public School District / 16,530 |
| 46. | 11.9% | Hermantown Public School District / 11,106 |
| 47. | 11.9% | Norman County West School District / 1,519 |
| 48. | 11.9% | Tri-County School District / 2,052 |
| 49. | 11.9% | Annandale Public School District / 9,829 |
| 50. | 11.8% | East Central School District / 7,113 |
| 51. | 11.7% | Floodwood Public School District / 1,406 |
| 52. | 11.7% | Paynesville Public School District / 5,986 |
| 53. | 11.6% | St. Louis Park Public School District / 43,291 |
| 54. | 11.5% | Belgrade-Brooten-Elrosa School District / 4,124 |
| 55. | 11.5% | Lyle Public School District / 1,108 |
| 56. | 11.4% | Fertile-Beltrami School District / 2,578 |
| 57. | 11.4% | New York Mills Public School District / 3,589 |
| 58. | 11.3% | Triton School District / 7,015 |
| 59. | 11.3% | Jackson County Central School District / 7,928 |
| 60. | 11.3% | Ulen-Hitterdal Public School District / 1,779 |
| 61. | 11.2% | St. Peter Public School District / 14,415 |
| 62. | 11.2% | Hutchinson Public School District / 18,435 |
| 63. | 11.1% | Albany Public School District / 8,533 |
| 64. | 11.1% | Melrose Public School District / 8,905 |
| 65. | 11.1% | Waconia Public School District / 18,885 |
| 66. | 11.1% | Sebeka Public School District / 2,791 |
| 67. | 11.0% | Deer River Public School District / 5,101 |
| 68. | 10.9% | Foley Public School District / 9,096 |
| 69. | 10.9% | Maple Lake Public School District / 5,159 |
| 70. | 10.9% | Royalton Public School District / 3,535 |
| 70. | 10.9% | Mora Public School District / 11,225 |
| 72. | 10.8% | International Falls Public School District / 9,999 |
| 73. | 10.8% | Mahnomen Public School District / 3,819 |
| 74. | 10.6% | Underwood Public School District / 2,393 |
| 74. | 10.6% | Henning Public School District / 3,023 |
| 76. | 10.6% | St. Anthony-New Brighton Schools / 9,761 |
| 76. | 10.6% | St. Charles Public School District / 5,675 |
| 78. | 10.5% | Pequot Lakes Public School District / 9,015 |
| 79. | 10.5% | Win-E-Mac School District / 3,535 |
| 80. | 10.4% | Northfield Public School District / 26,835 |
| 81. | 10.3% | Clearbrook-Gonvick School District / 2,944 |
| 81. | 10.3% | Grand Meadow Public School District / 1,758 |
| 83. | 10.3% | Osakis Public School District / 3,905 |
| 84. | 10.2% | Long Prairie-Grey Eagle School District / 8,557 |
| 85. | 10.2% | Spring Lake Park Public Schools / 30,203 |
| 86. | 10.2% | East Grand Forks Public School District / 9,902 |
| 86. | 10.2% | Heron Lake-Okabena School District / 1,569 |
| 88. | 10.1% | La Crescent-Hokah School District / 8,422 |
| 89. | 10.1% | Holdingford Public School District / 5,244 |
| 90. | 10.1% | Hopkins Public School District / 61,319 |
| 90. | 10.1% | Cedar Mountain School District / 2,773 |
| 92. | 10.1% | Goodridge Public School District / 868 |
| 93. | 10.0% | Southland Public School District / 3,648 |
| 94. | 10.0% | Menahga Public School District / 3,361 |
| 95. | 9.9% | Little Falls Public School District / 17,545 |
| 96. | 9.9% | Blackduck Public School District / 3,762 |
| 97. | 9.9% | Mountain Iron-Buhl School District / 4,278 |
| 98. | 9.9% | Wadena-Deer Creek School District / 7,734 |
| 99. | 9.9% | Crosby-Ironton Public School District / 10,263 |
| 100. | 9.8% | Pillager Public School District / 5,262 |
| 101. | 9.7% | Braham Public School District / 5,494 |
| 101. | 9.7% | Red Wing Public School District / 19,361 |
| 103. | 9.7% | Delano Public School District / 10,660 |
| 104. | 9.7% | Edina Public School District / 38,993 |
| 105. | 9.5% | Cromwell-Wright Public Schools / 1,662 |
| 106. | 9.5% | United South Central School District / 6,147 |
| 107. | 9.4% | Inver Grove Heights Schools / 27,850 |
| 107. | 9.4% | Lake City Public School District / 9,094 |
| 109. | 9.4% | McGregor Public School District / 3,920 |
| 109. | 9.4% | Verndale Public School District / 1,484 |
| 111. | 9.3% | Wayzata Public School District / 57,415 |
| 112. | 9.2% | Buffalo Public School District / 30,870 |
| 112. | 9.2% | Upsala Public School District / 2,282 |
| 114. | 9.2% | Janesville-Waldorf-Pemberton Public School District / 4,356 |
| 115. | 9.2% | Minneota Public School District / 2,494 |
| 116. | 9.1% | Evansville Public School District / 1,482 |
| 117. | 9.1% | Westbrook-Walnut Grove Schools / 2,876 |
| 118. | 9.1% | Barnum Public School District / 3,884 |
| 119. | 9.1% | White Bear Lake School District / 58,840 |
| 120. | 9.0% | Elk River Public School District / 64,188 |
| 121. | 9.0% | Hastings Public School District / 31,233 |
| 122. | 9.0% | Madelia Public School District / 3,687 |
| 122. | 9.0% | Browerville Public School District / 2,394 |
| 124. | 9.0% | Glenville-Emmons School District / 2,678 |
| 125. | 8.9% | Ivanhoe Public School District / 1,345 |
| 126. | 8.9% | Fairmont Area School District / 12,852 |
| 127. | 8.9% | Dawson-Boyd Public School District / 2,958 |
| 128. | 8.9% | Alexandria Public School District / 28,726 |
| 129. | 8.8% | Dassel-Cokato Public School District / 9,749 |
| 130. | 8.8% | Browns Valley Public School District / 798 |
| 130. | 8.8% | Red Rock Central School District / 3,580 |
| 132. | 8.7% | Waterville-Elysian-Morristown School District / 6,338 |
| 132. | 8.7% | Chisago Lakes School District / 20,921 |
| 134. | 8.6% | MACCRAY School District / 4,538 |
| 135. | 8.6% | Greenbush-Middle River School District / 2,696 |
| 136. | 8.6% | Climax Public School District / 975 |
| 137. | 8.6% | Eden Prairie Public School District / 56,769 |
| 137. | 8.6% | South Koochiching School District / 1,694 |
| 139. | 8.6% | New Prague Area Schools / 17,962 |
| 140. | 8.6% | Wabasso Public School District / 2,556 |
| 141. | 8.5% | West St. Paul-Mendota Heights-Eagan School District / 41,888 |
| 142. | 8.5% | Oklee Public School District / 1,200 |
| 143. | 8.4% | Ely Public School District / 5,199 |
| 144. | 8.4% | Detroit Lakes Public School District / 16,723 |
| 145. | 8.4% | Nevis Public School District / 2,389 |
| 146. | 8.4% | Esko Public School District / 5,123 |
| 147. | 8.4% | Rocori Public School District / 11,927 |
| 148. | 8.3% | Princeton Public School District / 20,008 |
| 149. | 8.3% | Columbia Heights Public School District / 24,863 |
| 150. | 8.3% | Truman Public School District / 2,591 |
| 151. | 8.3% | Greenway Public School District / 7,854 |
| 152. | 8.3% | Stillwater Area Public School District / 57,655 |
| 153. | 8.2% | Hills-Beaver Creek School District / 2,119 |
| 154. | 8.2% | Fergus Falls Public School District / 19,814 |
| 155. | 8.2% | Monticello Public School District / 21,048 |
| 156. | 8.2% | Lester Prairie Public School District / 3,009 |
| 157. | 8.1% | Kerkhoven-Murdock-Sunburg Public School District / 2,621 |
| 158. | 8.1% | NRHEG School District / 4,944 |
| 158. | 8.1% | Dilworth-Glyndon-Felton School District / 5,891 |
| 160. | 8.1% | Northland Community Schools / 4,454 |
| 160. | 8.1% | St. Paul Public School District / 282,079 |
| 162. | 8.1% | Walker-Hackensack-Akeley School District / 7,188 |
| 162. | 8.1% | Adrian Public School District / 2,326 |
| 162. | 8.1% | Rosemount-Apple Valley-Eagan School District / 143,534 |
| 165. | 8.1% | Roseville Public School District / 53,650 |
| 165. | 8.1% | Bagley Public School District / 5,833 |
| 167. | 8.0% | Hendricks Public School District / 1,086 |
| 167. | 8.0% | Duluth Public School District / 94,896 |
| 169. | 8.0% | Pine Island Public School District / 6,035 |
| 169. | 8.0% | Kimball Public School District / 4,450 |
| 171. | 8.0% | Renville County West School District / 4,270 |
| 172. | 8.0% | Minnetonka Public School District / 39,793 |
| 173. | 7.9% | Goodhue Public School District / 2,974 |
| 174. | 7.9% | Bemidji Public School District / 35,715 |
| 175. | 7.9% | Lakeville Public School District / 49,918 |
| 175. | 7.9% | Perham Public School District / 10,148 |
| 177. | 7.9% | Howard Lake-Waverly-Winsted Public School District / 8,416 |
| 177. | 7.9% | ACGC School District / 5,955 |
| 179. | 7.9% | Hinckley-Finlayson School District / 7,345 |
| 180. | 7.9% | Montgomery-Lonsdale School District / 8,378 |
| 181. | 7.9% | Wrenshall Public School District / 1,957 |
| 181. | 7.9% | Buffalo Lake-Hector School District / 4,513 |
| 183. | 7.9% | Pierz Public School District / 5,325 |
| 183. | 7.9% | Prior Lake-Savage Area Schools / 36,878 |
| 185. | 7.8% | Pine River-Backus Public School District / 7,051 |
| 186. | 7.8% | Warroad Public School District / 6,067 |
| 187. | 7.8% | Zumbrota-Mazeppa School District / 6,516 |
| 188. | 7.8% | Worthington Public School District / 15,380 |
| 189. | 7.7% | GFW Schools / 6,026 |
| 189. | 7.7% | West Central Area Schools / 5,235 |
| 191. | 7.7% | Tracy Area Public School District / 5,437 |
| 192. | 7.7% | Laporte Public School District / 1,858 |
| 193. | 7.7% | Farmington Public School District / 30,515 |
| 193. | 7.7% | Albert Lea Public School District / 23,398 |
| 195. | 7.6% | Lake Crystal-Wellcome Memorial School District / 6,049 |
| 196. | 7.6% | Cambridge-Isanti Public School District / 28,241 |
| 197. | 7.6% | Faribault Public School District / 30,281 |
| 198. | 7.5% | Mounds View Public School District / 74,437 |
| 199. | 7.5% | Chisholm Public School District / 5,772 |
| 200. | 7.5% | Milroy Public School District / 675 |
| 201. | 7.5% | Springfield Public School District / 3,542 |
| 202. | 7.4% | Milaca Public School District / 11,411 |
| 203. | 7.4% | Brainerd Public School District / 43,251 |
| 204. | 7.4% | Rushford-Peterson Public Schools / 4,478 |
| 205. | 7.4% | New Ulm Public School District / 19,459 |
| 206. | 7.4% | Frazee-Vergas Public School District / 6,824 |
| 207. | 7.3% | Hawley Public School District / 3,761 |
| 208. | 7.3% | Windom Public School District / 6,081 |
| 209. | 7.3% | Bird Island-Olivia-Lake Lillian Public School District / 5,128 |
| 209. | 7.3% | Battle Lake Public School District / 4,096 |
| 211. | 7.2% | North Branch Public Schools / 19,533 |
| 212. | 7.1% | Edgerton Public School District / 2,148 |
| 213. | 7.1% | St. Clair Public School District / 2,508 |
| 214. | 7.1% | St. James Public School District / 6,354 |
| 215. | 7.1% | St. Cloud Public School District / 95,015 |
| 216. | 7.0% | Blue Earth Area Public School District / 8,438 |
| 217. | 7.0% | Kittson Central School District / 2,223 |
| 218. | 7.0% | Prinsburg Public School District / 801 |
| 218. | 7.0% | Fulda Public School District / 2,638 |
| 220. | 7.0% | Winona Area Public School District / 40,329 |
| 221. | 7.0% | Pipestone Area School District / 7,782 |
| 222. | 7.0% | Moorhead Public School District / 41,552 |
| 222. | 7.0% | Eden Valley-Watkins School District / 5,033 |
| 222. | 7.0% | Park Rapids Public School District / 11,823 |
| 225. | 7.0% | Sauk Rapids Public School District / 23,481 |
| 226. | 6.9% | Anoka-Hennepin Public School District / 222,677 |
| 227. | 6.9% | Fridley Public School District / 15,493 |
| 228. | 6.8% | Minnewaska School District / 9,348 |
| 229. | 6.8% | North St. Paul-Maplewood School District / 75,984 |
| 229. | 6.8% | Fosston Public School District / 3,732 |
| 231. | 6.8% | Mabel-Canton Public School District / 2,319 |
| 232. | 6.7% | Comfrey Public School District / 1,173 |
| 232. | 6.7% | Granada-Huntley-East Chain Public School District / 1,873 |
| 234. | 6.7% | Glencoe-Silver Lake School District / 13,118 |
| 235. | 6.7% | Littlefork-Big Falls School District / 1,680 |
| 236. | 6.7% | Yellow Medicine East School District / 6,899 |
| 237. | 6.7% | Byron Public School District / 7,001 |
| 238. | 6.6% | Bloomington Public School District / 82,621 |
| 239. | 6.6% | Hibbing Public School District / 17,489 |
| 240. | 6.6% | Owatonna Public School District / 29,239 |
| 241. | 6.5% | Wheaton Area School Public School District / 2,231 |
| 241. | 6.5% | Forest Lake Public School District / 44,247 |
| 243. | 6.5% | St. Francis Public School District / 30,821 |
| 243. | 6.5% | Bertha-Hewitt Public School District / 2,280 |
| 245. | 6.4% | Austin Public School District / 28,195 |
| 246. | 6.4% | Mahtomedi Public School District / 13,799 |
| 247. | 6.4% | Thief River Falls School District / 13,241 |
| 248. | 6.4% | Litchfield Public School District / 11,763 |
| 249. | 6.4% | St. Louis County School District / 18,100 |
| 250. | 6.3% | New London-Spicer School District / 9,220 |
| 251. | 6.3% | Alden-Conger Public School District / 1,575 |
| 252. | 6.3% | Willmar Public School District / 25,112 |
| 252. | 6.3% | Robbinsdale Public School District / 98,155 |
| 254. | 6.2% | Hayfield Public School District / 4,578 |
| 255. | 6.2% | Redwood Area School District / 8,102 |
| 256. | 6.2% | Sibley East School District / 7,751 |
| 257. | 6.1% | Lake Superior Public School District / 13,505 |
| 258. | 6.1% | Centennial Public School District / 31,516 |
| 258. | 6.1% | Burnsville Public School District / 67,820 |
| 260. | 6.1% | Spring Grove School District / 2,266 |
| 261. | 6.1% | Orono Public School District / 12,294 |
| 262. | 6.0% | Murray County Central School District / 5,035 |
| 262. | 6.0% | Nashwauk-Keewatin School District / 3,966 |
| 264. | 6.0% | Aitkin Public School District / 9,900 |
| 265. | 6.0% | Randolph Public School District / 2,115 |
| 266. | 6.0% | Montevideo Public School District / 7,665 |
| 266. | 6.0% | Rush City Public School District / 6,503 |
| 268. | 6.0% | Cyrus Public School District / 850 |
| 269. | 6.0% | Kasson-Mantorville School District / 9,788 |
| 270. | 5.9% | Benson Public School District / 5,411 |
| 271. | 5.8% | Eastern Carver County District 112 Public Schools / 49,594 |
| 272. | 5.8% | Marshall Public School District / 15,510 |
| 273. | 5.7% | Lynd Public School District / 982 |
| 274. | 5.7% | Marshall County Central Schools / 1,991 |
| 274. | 5.7% | Butterfield Public School District / 1,152 |
| 276. | 5.7% | Roseau Public School District / 7,131 |
| 276. | 5.7% | Crookston Public School District / 9,555 |
| 278. | 5.6% | Maple River School District / 6,200 |
| 278. | 5.6% | Shakopee Public School District / 39,863 |
| 280. | 5.6% | Waseca Public School District / 13,205 |
| 281. | 5.6% | Lake Park Audubon School District / 4,695 |
| 282. | 5.5% | Eagle Valley Public School District / 2,639 |
| 283. | 5.5% | St. Michael-Albertville School District / 21,149 |
| 283. | 5.5% | Lac Qui Parle Valley School District / 7,457 |
| 285. | 5.4% | Pelican Rapids Public School District / 7,372 |
| 286. | 5.4% | Campbell-Tintah Public School District / 918 |
| 286. | 5.4% | Kingsland Public School District / 5,232 |
| 288. | 5.4% | Sleepy Eye Public School District / 5,485 |
| 289. | 5.4% | Grand Rapids Public School District / 28,173 |
| 290. | 5.3% | Moose Lake Public School District / 5,777 |
| 291. | 5.3% | Warren-Alvarado-Oslo School District / 4,000 |
| 292. | 5.3% | Sauk Centre Public School District / 7,721 |
| 293. | 5.3% | Ada-Borup Public School District / 2,605 |
| 294. | 5.2% | Osseo Public School District / 132,060 |
| 295. | 5.2% | Mankato Public School District / 61,881 |
| 296. | 5.2% | South Washington County School District / 91,125 |
| 297. | 5.0% | Rothsay Public School District / 1,026 |
| 297. | 5.0% | Cloquet Public School District / 14,221 |
| 299. | 5.0% | Houston Public School District / 2,877 |
| 299. | 5.0% | Eveleth-Gilbert School District / 8,299 |
| 301. | 4.8% | Rochester Public School District / 117,301 |
| 302. | 4.8% | Fisher Public School District / 1,074 |
| 303. | 4.7% | LeCenter Public School District / 4,098 |
| 304. | 4.7% | Canby Public School District / 3,654 |
| 304. | 4.7% | Chokio-Alberta Public School District / 1,246 |
| 306. | 4.6% | Ortonville -Bellingham Public School District / 3,705 |
| 307. | 4.6% | Hancock Public School District / 1,263 |
| 308. | 4.5% | Luverne Public School District / 7,029 |
| 309. | 4.5% | Barnesville Public School District / 4,405 |
| 310. | 4.5% | Nicollet Public School District / 2,413 |
| 311. | 4.4% | Cook County Public Schools / 5,211 |
| 312. | 4.4% | Breckenridge Public School District / 5,043 |
| 313. | 4.3% | Clinton-Graceville-Beardsley Public School District / 2,458 |
| 314. | 4.3% | Martin County West Public School District / 4,382 |
| 314. | 4.3% | Norwood Public School District / 8,004 |
| 316. | 4.3% | Proctor Public School District / 10,640 |
| 317. | 4.1% | Ashby Public School District / 1,334 |
| 318. | 3.9% | Virginia Public School District / 10,834 |
| 318. | 3.9% | Lake of the Woods School District / 3,727 |
| 320. | 3.9% | Brandon Public School District / 1,917 |
| 321. | 3.9% | Morris Public School District / 7,133 |
| 322. | 3.9% | Wabasha-Kellogg Public School District / 5,457 |
| 323. | 3.6% | Dover-Eyota Public School District / 4,225 |
| 323. | 3.6% | Mountain Lake Public Schools / 3,042 |
| 325. | 3.5% | Mesabi East School District / 7,838 |
| 326. | 3.4% | Sartell-St. Stephen School District / 16,327 |
| 327. | 3.3% | Lakeview School District / 2,639 |
| 328. | 3.3% | Carlton Public School District / 4,185 |
| 329. | 3.2% | South St. Paul Public School District / 20,114 |
| 330. | 3.1% | Stephen-Argyle Central Schools / 1,736 |
| 331. | 2.9% | Swanville Public School District / 1,827 |
| 332. | 2.8% | Plummer Public School District / 942 |
| 333. | 2.1% | Brewster Public School District / 974 |
| 334. | 1.7% | Round Lake Public School District / 845 |
| 335. | 1.7% | Cleveland Public School District / 2,437 |
| 336. | 1.1% | Grygla Public School District / 1,159 |
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.
