| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 30-40% of Owner Income ▼ | School District / Population |
| 1. | 100.0% | Whitewater K-12 Schools / 125 |
| 1. | 100.0% | Spring Creek Elementary School District / 80 |
| 1. | 100.0% | Benton Lake Elementary School District / 65 |
| 1. | 100.0% | Whitlash Elementary School District / 29 |
| 1. | 100.0% | Cleveland Elementary School District / 54 |
| 6. | 44.4% | Twin Buttes Elementary School District / 84 |
| 7. | 44.3% | Valley View Elementary School District / 361 |
| 8. | 42.9% | Molt Elementary School District / 183 |
| 9. | 42.4% | Wolf Creek Elementary School District / 586 |
| 10. | 35.7% | Deep Creek Elementary School District / 133 |
| 11. | 31.4% | Wisdom Elementary School District / 325 |
| 12. | 31.3% | Shawmut Elementary School District / 108 |
| 13. | 30.8% | Nye Elementary School District / 232 |
| 13. | 30.8% | Galata Elementary School District / 252 |
| 15. | 30.0% | S H Elementary School District / 112 |
| 16. | 29.7% | Hot Springs Elementary School District / 1,356 |
| 17. | 28.6% | Greycliff Elementary School District / 239 |
| 18. | 28.2% | Zurich Elementary School District / 284 |
| 19. | 27.9% | Power Elementary School District / 520 |
| 20. | 27.8% | Grant Elementary School District / 120 |
| 21. | 27.6% | Rapelje Elementary School District / 289 |
| 22. | 27.4% | Hobson K-12 Schools / 751 |
| 23. | 27.1% | McCormick Elementary School District / 395 |
| 23. | 27.1% | Jordan Elementary School District / 702 |
| 25. | 26.6% | Power High School District / 526 |
| 26. | 26.5% | St. Ignatius K-12 Schools / 3,124 |
| 27. | 25.8% | Hall Elementary School District / 253 |
| 28. | 25.8% | Smith Valley Elementary School District / 1,980 |
| 29. | 25.5% | Moore High School District / 483 |
| 29. | 25.5% | Moore Elementary School District / 483 |
| 31. | 25.0% | Cottonwood Elementary School District / 215 |
| 31. | 25.0% | Ringling Elementary School District / 82 |
| 31. | 25.0% | Melstone Elementary School District / 520 |
| 31. | 25.0% | Augusta Elementary School District / 594 |
| 35. | 24.7% | Hot Springs High School District / 1,572 |
| 36. | 24.4% | La Motte Elementary School District / 764 |
| 37. | 24.4% | Rapelje High School District / 387 |
| 38. | 24.3% | Helena Flats Elementary School District / 1,568 |
| 39. | 24.3% | Bigfork Elementary School District / 6,349 |
| 40. | 24.2% | Luther Elementary School District / 444 |
| 41. | 24.0% | Hamilton K-12 Schools / 10,976 |
| 42. | 23.7% | Augusta High School District / 689 |
| 43. | 23.7% | Sun River Valley Elementary School District / 2,261 |
| 44. | 23.6% | St. Regis K-12 Schools / 1,256 |
| 45. | 23.5% | Trout Creek Elementary School District / 881 |
| 46. | 23.1% | Melstone High School District / 307 |
| 47. | 22.6% | Amsterdam Elementary School District / 1,708 |
| 48. | 22.5% | Bigfork High School District / 8,219 |
| 49. | 22.4% | Deer Lodge Elementary School District / 5,602 |
| 50. | 22.2% | Polaris Elementary School District / 101 |
| 51. | 21.9% | Rau Elementary School District / 294 |
| 52. | 21.8% | Arlee High School District / 2,488 |
| 52. | 21.8% | Arlee Elementary School District / 2,488 |
| 54. | 21.7% | Thompson Falls High School District / 3,463 |
| 54. | 21.7% | Thompson Falls Elementary School District / 3,463 |
| 56. | 21.4% | Swan Valley Elementary School District / 433 |
| 57. | 21.1% | Garfield County High School District / 1,224 |
| 58. | 21.1% | Froid High School District / 489 |
| 58. | 21.1% | Froid Elementary School District / 489 |
| 60. | 20.9% | Corvallis K-12 Schools / 7,173 |
| 61. | 20.8% | Avon Elementary School District / 243 |
| 62. | 20.6% | Ekalaka Elementary School District / 992 |
| 63. | 20.5% | Livingston Elementary School District / 10,375 |
| 64. | 20.5% | Belgrade Elementary School District / 19,900 |
| 65. | 20.4% | Valier Elementary School District / 1,156 |
| 66. | 20.4% | Belgrade High School District / 20,130 |
| 67. | 20.2% | Powell County High School District / 7,198 |
| 68. | 20.2% | Sheridan Elementary School District / 1,618 |
| 69. | 19.8% | Frenchtown K-12 Schools / 6,181 |
| 70. | 19.7% | Troy Elementary School District / 2,786 |
| 71. | 19.6% | Drummond High School District / 1,320 |
| 72. | 19.6% | Troy High School District / 3,505 |
| 73. | 19.5% | Fair-Mont-Egan Elementary School District / 1,273 |
| 74. | 19.4% | White Sulphur Springs High School District / 2,024 |
| 75. | 19.3% | White Sulphur Springs Elementary School District / 1,881 |
| 76. | 19.3% | Gardiner Elementary School District / 1,809 |
| 77. | 19.3% | Kalispell Elementary School District / 27,570 |
| 78. | 19.3% | Upper West Shore Elementary School District / 698 |
| 79. | 19.2% | Rosebud High School District / 371 |
| 80. | 19.1% | Park High School District / 12,485 |
| 81. | 19.0% | Olney-Bissell Elementary School District / 949 |
| 82. | 19.0% | Kila Elementary School District / 1,536 |
| 83. | 19.0% | Simms High School District / 3,223 |
| 84. | 18.9% | Gardiner High School District / 1,881 |
| 85. | 18.8% | Roundup High School District / 4,041 |
| 86. | 18.8% | Hinsdale High School District / 474 |
| 86. | 18.8% | Hinsdale Elementary School District / 422 |
| 88. | 18.7% | Harrison K-12 Schools / 783 |
| 89. | 18.7% | Choteau Elementary School District / 2,584 |
| 90. | 18.6% | Greenfield Elementary School District / 704 |
| 91. | 18.5% | Pryor Elementary School District / 1,019 |
| 91. | 18.5% | Plenty Coups High School District / 1,019 |
| 93. | 18.5% | Fairview High School District / 1,439 |
| 93. | 18.5% | Fairview Elementary School District / 1,430 |
| 95. | 18.5% | Reedpoint Elementary School District / 555 |
| 96. | 18.4% | Noxon High School District / 2,415 |
| 97. | 18.4% | Drummond Elementary School District / 1,067 |
| 98. | 18.3% | Paradise Elementary School District / 320 |
| 98. | 18.3% | Valier High School District / 1,467 |
| 100. | 18.3% | Superior K-12 Schools / 2,443 |
| 101. | 18.2% | Choteau High School District / 3,127 |
| 101. | 18.2% | Geyser Elementary School District / 208 |
| 101. | 18.2% | Saco Elementary School District / 412 |
| 101. | 18.2% | Saco High School District / 360 |
| 105. | 18.2% | Blue Creek Elementary School District / 2,472 |
| 106. | 18.1% | Bridger K-12 Schools / 1,382 |
| 107. | 18.1% | Sheridan High School District / 1,910 |
| 108. | 18.0% | East Glacier Park Elementary School District / 811 |
| 109. | 17.9% | Beaverhead County High School District / 8,678 |
| 110. | 17.9% | Roundup Elementary School District / 3,881 |
| 110. | 17.9% | Darby K-12 Schools / 3,584 |
| 112. | 17.8% | Dillon Elementary School District / 7,639 |
| 112. | 17.8% | West Valley Elementary School District / 3,567 |
| 114. | 17.6% | Victor K-12 Schools / 3,668 |
| 115. | 17.6% | West Yellowstone K-12 School District / 1,770 |
| 116. | 17.5% | Target Range Elementary School District / 4,158 |
| 117. | 17.5% | Libby K-12 Schools / 9,742 |
| 118. | 17.4% | Ryegate K-12 Schools / 334 |
| 119. | 17.4% | Townsend K-12 Schools / 4,841 |
| 120. | 17.4% | Stevensville Elementary School District / 7,061 |
| 121. | 17.3% | Deer Park Elementary School District / 1,018 |
| 122. | 17.3% | Elder Grove Elementary School District / 2,725 |
| 123. | 17.2% | Belfry K-12 Schools / 568 |
| 124. | 17.2% | Red Lodge High School District / 3,838 |
| 125. | 17.1% | Flathead High School District / 55,349 |
| 126. | 17.1% | Lincoln K-12 Schools / 1,038 |
| 126. | 17.1% | Swan River Elementary School District / 1,682 |
| 128. | 17.0% | Whitehall Elementary School District / 3,161 |
| 129. | 17.0% | Missoula Elementary School District / 68,124 |
| 130. | 16.4% | Red Lodge Elementary School District / 3,324 |
| 131. | 16.2% | Whitehall High School District / 3,638 |
| 132. | 16.1% | Columbia Falls Elementary School District / 14,042 |
| 133. | 16.1% | Absarokee High School District / 2,124 |
| 134. | 16.1% | Helena Elementary School District / 49,204 |
| 135. | 16.1% | Reedpoint High School District / 502 |
| 136. | 16.0% | Missoula High School District / 98,293 |
| 137. | 16.0% | Columbia Falls High School District / 14,488 |
| 138. | 15.9% | Ennis K-12 Schools / 2,975 |
| 139. | 15.8% | Bozeman Elementary School District / 51,052 |
| 140. | 15.7% | Philipsburg K-12 Schools / 1,724 |
| 141. | 15.7% | Somers Elementary School District / 5,135 |
| 142. | 15.6% | Chester-Joplin-Inverness High School District / 2,376 |
| 143. | 15.5% | Stevensville High School District / 10,237 |
| 144. | 15.5% | Culbertson Elementary School District / 1,139 |
| 145. | 15.5% | Winnett K-12 Schools / 598 |
| 146. | 15.4% | Bonner Elementary School District / 2,588 |
| 147. | 15.4% | Richey Elementary School District / 418 |
| 147. | 15.4% | Lavina K-12 Schools / 476 |
| 149. | 15.3% | Carter County High School District / 1,289 |
| 149. | 15.3% | Bozeman High School District / 58,415 |
| 151. | 15.3% | Ashland Elementary School District / 1,144 |
| 152. | 15.2% | Miles City Elementary School District / 9,973 |
| 153. | 15.2% | Helena High School District / 59,916 |
| 154. | 14.9% | Twin Bridges K-12 Schools / 1,501 |
| 155. | 14.9% | Circle Elementary School District / 1,202 |
| 156. | 14.9% | Clinton Elementary School District / 2,044 |
| 157. | 14.9% | Absarokee Elementary School District / 1,599 |
| 158. | 14.6% | Sweet Grass County High School District / 3,632 |
| 159. | 14.6% | Name N/A / 866,873 |
| 160. | 14.5% | Custer County High School District / 11,548 |
| 161. | 14.5% | Great Falls Elementary School District / 71,164 |
| 162. | 14.4% | Great Falls High School District / 71,219 |
| 163. | 14.3% | Manhattan High School District / 4,322 |
| 164. | 14.3% | Montana City Elementary School District / 2,554 |
| 165. | 14.3% | Hellgate Elementary School District / 12,009 |
| 166. | 14.3% | Denton Elementary School District / 686 |
| 166. | 14.3% | Pass Creek Elementary School District / 86 |
| 168. | 14.2% | Big Timber Elementary School District / 2,860 |
| 169. | 14.2% | Marion Elementary School District / 994 |
| 170. | 14.2% | Lolo Elementary School District / 4,621 |
| 171. | 14.1% | Noxon Elementary School District / 1,534 |
| 172. | 14.0% | Canyon Creek Elementary School District / 2,143 |
| 173. | 14.0% | De Smet Elementary School District / 559 |
| 174. | 13.9% | Fishtail Elementary School District / 363 |
| 174. | 13.9% | Gold Creek Elementary School District / 274 |
| 176. | 13.9% | Billings Elementary School District / 104,812 |
| 177. | 13.7% | Billings High School District / 125,086 |
| 178. | 13.7% | Denton High School District / 721 |
| 179. | 13.7% | Cayuse Prairie Elementary School District / 2,698 |
| 180. | 13.5% | Winifred K-12 Schools / 302 |
| 181. | 13.4% | Whitefish Elementary School District / 13,487 |
| 182. | 13.4% | Whitefish High School District / 14,045 |
| 183. | 13.2% | Ophir Elementary School District / 1,478 |
| 184. | 13.1% | Fairfield High School District / 1,832 |
| 185. | 13.1% | Cascade Elementary School District / 1,650 |
| 186. | 13.1% | Pioneer Elementary School District / 1,126 |
| 187. | 13.0% | Seeley Lake Elementary School District / 1,746 |
| 188. | 13.0% | Harlem High School District / 2,696 |
| 189. | 13.0% | Plains High School District / 3,254 |
| 190. | 12.9% | Anderson Elementary School District / 1,147 |
| 191. | 12.9% | Chester-Joplin-Inverness Elementary School District / 2,233 |
| 192. | 12.9% | Shepherd High School District / 3,261 |
| 192. | 12.9% | Shepherd Elementary School District / 3,261 |
| 194. | 12.9% | Eureka Elementary School District / 4,721 |
| 195. | 12.7% | Circle High School District / 1,714 |
| 196. | 12.7% | Custer K-12 Schools / 445 |
| 197. | 12.6% | Butte Elementary School District / 32,463 |
| 198. | 12.6% | Joliet High School District / 2,347 |
| 199. | 12.5% | Joliet Elementary School District / 1,844 |
| 199. | 12.5% | Rosebud Elementary School District / 355 |
| 201. | 12.4% | Hardin High School District / 7,844 |
| 202. | 12.4% | Butte High School District / 33,769 |
| 203. | 12.4% | Plains Elementary School District / 2,934 |
| 204. | 12.3% | Kircher Elementary School District / 696 |
| 204. | 12.3% | Elliston Elementary School District / 281 |
| 206. | 12.3% | Cascade High School District / 2,520 |
| 207. | 12.2% | Dutton/Brady K-12 Schools / 1,012 |
| 208. | 12.2% | Polson High School District / 10,969 |
| 209. | 12.2% | Anaconda Elementary School District / 9,079 |
| 210. | 12.2% | Anaconda High School District / 9,149 |
| 211. | 12.2% | Lone Rock Elementary School District / 3,176 |
| 212. | 12.2% | Lockwood Elementary School District / 7,589 |
| 213. | 12.1% | Box Elder Elementary School District / 416 |
| 213. | 12.1% | Box Elder High School District / 416 |
| 215. | 12.1% | Geraldine Elementary School District / 595 |
| 215. | 12.1% | Geraldine High School District / 635 |
| 217. | 12.0% | Three Forks High School District / 2,930 |
| 218. | 12.0% | Park City Elementary School District / 2,431 |
| 219. | 12.0% | Three Forks Elementary School District / 2,958 |
| 220. | 11.9% | Lincoln County High School District / 6,260 |
| 221. | 11.9% | Laurel Elementary School District / 11,231 |
| 222. | 11.8% | Laurel High School District / 10,728 |
| 222. | 11.8% | Harlem Elementary School District / 2,608 |
| 224. | 11.7% | West Glacier Elementary School District / 446 |
| 224. | 11.7% | Gallatin Gateway Elementary School District / 1,579 |
| 226. | 11.7% | Arrowhead Elementary School District / 1,625 |
| 227. | 11.5% | Woodman Elementary School District / 557 |
| 227. | 11.5% | Lodge Grass Elementary School District / 1,654 |
| 229. | 11.4% | Havre Elementary School District / 12,351 |
| 230. | 11.4% | Hardin Elementary School District / 8,883 |
| 231. | 11.4% | Park City High School District / 2,226 |
| 232. | 11.3% | Lima K-12 Schools / 454 |
| 233. | 11.2% | Havre High School District / 12,707 |
| 234. | 11.1% | Trego Elementary School District / 727 |
| 234. | 11.1% | Bynum Elementary School District / 220 |
| 236. | 11.0% | Medicine Lake K-12 Schools / 761 |
| 237. | 10.9% | Trinity Elementary School District / 1,408 |
| 238. | 10.9% | Centerville High School District / 1,597 |
| 239. | 10.9% | Plentywood K-12 Schools / 2,392 |
| 240. | 10.8% | Richey High School District / 501 |
| 241. | 10.7% | East Helena Elementary School District / 8,718 |
| 242. | 10.6% | Wibaux K-12 Schools / 1,067 |
| 243. | 10.6% | Polson Elementary School District / 9,910 |
| 244. | 10.5% | Geyser High School District / 317 |
| 244. | 10.5% | Golden Ridge Elementary School District / 178 |
| 246. | 10.5% | Boulder Elementary School District / 2,429 |
| 247. | 10.4% | Cardwell Elementary School District / 421 |
| 247. | 10.4% | Chinook High School District / 2,332 |
| 249. | 10.4% | Fort Benton Elementary School District / 1,766 |
| 250. | 10.4% | Jefferson High School District / 7,975 |
| 251. | 10.3% | Centerville Elementary School District / 1,658 |
| 252. | 10.2% | Lewistown Elementary School District / 9,022 |
| 253. | 10.2% | Lodge Grass High School District / 2,242 |
| 254. | 10.1% | Sunburst K-12 Schools / 1,203 |
| 255. | 10.1% | Scobey K-12 Schools / 1,492 |
| 256. | 10.1% | Fergus High School District / 9,230 |
| 257. | 9.9% | Ronan High School District / 8,214 |
| 257. | 9.9% | Ronan Elementary School District / 8,214 |
| 259. | 9.8% | Shelby High School District / 3,940 |
| 259. | 9.8% | Huntley Project K-12 Schools / 3,646 |
| 261. | 9.8% | Fort Benton High School District / 2,044 |
| 262. | 9.8% | Columbus High School District / 3,742 |
| 263. | 9.7% | Belt High School District / 2,003 |
| 264. | 9.6% | Alberton K-12 Schools / 1,167 |
| 265. | 9.5% | Peerless K-12 Schools / 157 |
| 265. | 9.5% | Springdale Elementary School District / 157 |
| 267. | 9.5% | Highwood Elementary School District / 562 |
| 267. | 9.5% | Highwood High School District / 530 |
| 269. | 9.4% | Malta K-12 Schools / 3,380 |
| 270. | 9.4% | Glendive Elementary School District / 6,406 |
| 271. | 9.4% | Ramsay Elementary School District / 1,075 |
| 272. | 9.4% | Belt Elementary School District / 1,997 |
| 273. | 9.3% | Columbus Elementary School District / 3,537 |
| 274. | 9.2% | Creston Elementary School District / 1,205 |
| 275. | 9.2% | Culbertson High School District / 1,027 |
| 276. | 9.2% | Ulm Elementary School District / 737 |
| 277. | 9.1% | Roy K-12 Schools / 297 |
| 277. | 9.1% | Charlo Elementary School District / 1,551 |
| 279. | 9.1% | Dawson High School District / 8,432 |
| 280. | 9.0% | Monforton Elementary School District / 1,953 |
| 281. | 8.9% | Fairfield Elementary School District / 956 |
| 282. | 8.9% | Charlo High School District / 2,230 |
| 283. | 8.9% | Cut Bank Elementary School District / 4,167 |
| 283. | 8.9% | Cut Bank High School District / 4,167 |
| 285. | 8.9% | Sidney High School District / 7,099 |
| 286. | 8.8% | Plevna K-12 Schools / 453 |
| 287. | 8.8% | Manhattan Elementary School District / 2,579 |
| 288. | 8.7% | Deer Creek Elementary School District / 1,591 |
| 288. | 8.7% | Sunset Elementary School District / 185 |
| 290. | 8.6% | Independent Elementary School District / 2,926 |
| 291. | 8.5% | Chinook Elementary School District / 1,947 |
| 292. | 8.3% | Grass Range Elementary School District / 405 |
| 292. | 8.3% | Dixon Elementary School District / 679 |
| 294. | 8.3% | Shelby Elementary School District / 3,688 |
| 295. | 8.3% | Shields Valley Elementary School District / 1,625 |
| 295. | 8.3% | Shields Valley High School District / 1,625 |
| 297. | 7.9% | Vaughn Elementary School District / 962 |
| 298. | 7.8% | Nashua K-12 Schools / 905 |
| 299. | 7.7% | Broadview High School District / 952 |
| 300. | 7.7% | Garrison Elementary School District / 142 |
| 300. | 7.7% | Sylvanite Elementary School District / 139 |
| 302. | 7.6% | Lame Deer High School District / 5,207 |
| 303. | 7.6% | Glasgow K-12 Schools / 4,913 |
| 304. | 7.6% | Florence-Carlton K-12 Schools / 5,760 |
| 305. | 7.4% | Conrad Elementary School District / 3,379 |
| 306. | 7.4% | Conrad High School District / 3,514 |
| 307. | 7.4% | Sidney Elementary School District / 6,474 |
| 308. | 7.3% | Lame Deer Elementary School District / 2,928 |
| 309. | 7.1% | Divide Elementary School District / 157 |
| 309. | 7.1% | Fromberg K-12 Schools / 1,262 |
| 311. | 7.0% | Grass Range High School District / 422 |
| 312. | 7.0% | Clancy Elementary School District / 2,812 |
| 313. | 6.9% | Potomac Elementary School District / 1,164 |
| 314. | 6.9% | Elysian Elementary School District / 713 |
| 315. | 6.6% | Poplar Elementary School District / 3,124 |
| 315. | 6.6% | Poplar High School District / 3,124 |
| 317. | 6.5% | Fortine Elementary School District / 812 |
| 318. | 5.7% | Pine Creek Elementary School District / 333 |
| 319. | 5.6% | Harlowton High School District / 1,908 |
| 320. | 5.6% | Evergreen Elementary School District / 6,321 |
| 321. | 5.4% | Browning High School District / 9,084 |
| 322. | 5.2% | Hysham K-12 Schools / 848 |
| 323. | 5.1% | Vida Elementary School District / 512 |
| 324. | 5.1% | Stanford K-12 Schools / 887 |
| 325. | 4.9% | Terry K-12 Schools / 1,089 |
| 326. | 4.8% | North Star Elementary School District / 997 |
| 327. | 4.8% | Westby K-12 Schools / 352 |
| 328. | 4.6% | North Star High School District / 1,156 |
| 329. | 4.4% | Rocky Boy High School District / 1,613 |
| 330. | 4.4% | Kinsey Elementary School District / 420 |
| 331. | 3.9% | Wolf Point Elementary School District / 3,666 |
| 332. | 3.9% | Malmborg Elementary School District / 227 |
| 332. | 3.9% | Cottonwood Elementary School District / 319 |
| 334. | 3.7% | Wolf Point High School District / 4,225 |
| 335. | 3.4% | Rocky Boy Elementary School District / 2,801 |
| 336. | 3.3% | Harlowton Elementary School District / 1,800 |
| 337. | 3.0% | Brorson Elementary School District / 227 |
| 338. | 2.8% | Broadview Elementary School District / 867 |
| 339. | 2.4% | Lindsay Elementary School District / 407 |
| 340. | 1.9% | Baker K-12 Schools / 2,360 |
| 341. | 1.6% | Forsyth Elementary School District / 2,502 |
| 342. | 1.6% | Browning Elementary School District / 8,273 |
| 342. | 1.6% | Forsyth High School District / 2,555 |
| 344. | 1.2% | Colstrip Elementary School District / 2,520 |
| 344. | 1.2% | Colstrip High School District / 2,520 |
Please note that we only rank locations with 'Percentage of Houses with a Mortgage where Total Holding Costs 30-40% 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 30-40% 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.
