| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 30-40% of Owner Income ▼ | School District / Population |
| 1. | 36.4% | Kester Elementary School District / 44 |
| 2. | 33.3% | Ross Elementary School District / 68 |
| 3. | 25.0% | Springhill Elementary School District / 148 |
| 4. | 18.8% | Swan Lake-Salmon Elementary School District / 387 |
| 5. | 18.4% | Stanford K-12 Schools / 835 |
| 6. | 17.9% | St. Regis K-12 Schools / 1,333 |
| 7. | 16.7% | Roy K-12 Schools / 278 |
| 8. | 15.8% | Ennis K-12 Schools / 3,483 |
| 9. | 14.3% | Galata Elementary School District / 300 |
| 10. | 13.4% | Park City High School District / 2,061 |
| 10. | 13.4% | Deer Park Elementary School District / 1,119 |
| 12. | 13.2% | Belt Elementary School District / 1,832 |
| 13. | 12.9% | Greenfield Elementary School District / 572 |
| 14. | 12.7% | Arrowhead Elementary School District / 1,718 |
| 15. | 11.8% | Poplar Elementary School District / 3,661 |
| 15. | 11.8% | Poplar High School District / 3,661 |
| 17. | 11.8% | Deep Creek Elementary School District / 95 |
| 17. | 11.8% | Alder Elementary School District / 272 |
| 19. | 11.5% | Pendroy Elementary School District / 221 |
| 20. | 11.3% | Belt High School District / 1,774 |
| 21. | 11.2% | Park City Elementary School District / 2,265 |
| 22. | 11.1% | Basin Elementary School District / 233 |
| 22. | 11.1% | Davey Elementary School District / 46 |
| 24. | 10.9% | Paradise Elementary School District / 389 |
| 25. | 10.8% | Swan River Elementary School District / 1,489 |
| 25. | 10.8% | Deer Lodge Elementary School District / 5,648 |
| 27. | 10.6% | Kircher Elementary School District / 797 |
| 28. | 10.5% | Trego Elementary School District / 753 |
| 29. | 10.5% | Lone Rock Elementary School District / 3,095 |
| 30. | 10.2% | Scobey K-12 Schools / 1,813 |
| 31. | 10.2% | Luther Elementary School District / 385 |
| 32. | 10.0% | Harlowton Elementary School District / 1,816 |
| 33. | 10.0% | Plentywood K-12 Schools / 2,464 |
| 34. | 10.0% | North Star Elementary School District / 811 |
| 35. | 9.8% | Huntley Project K-12 Schools / 3,538 |
| 36. | 9.8% | North Star High School District / 941 |
| 37. | 9.4% | Harlowton High School District / 1,882 |
| 37. | 9.4% | Harlem Elementary School District / 2,405 |
| 39. | 9.3% | Ekalaka Elementary School District / 884 |
| 40. | 9.2% | Swan Valley Elementary School District / 639 |
| 41. | 9.1% | Zurich Elementary School District / 281 |
| 41. | 9.1% | Golden Ridge Elementary School District / 139 |
| 43. | 9.0% | Fairfield High School District / 1,965 |
| 44. | 8.7% | Harlem High School District / 2,569 |
| 45. | 8.7% | Roberts K-12 Schools / 747 |
| 46. | 8.6% | Choteau Elementary School District / 2,399 |
| 46. | 8.6% | Troy Elementary School District / 2,629 |
| 48. | 8.6% | Frenchtown K-12 Schools / 6,408 |
| 49. | 8.5% | Fishtail Elementary School District / 392 |
| 50. | 8.5% | Frazer Elementary School District / 498 |
| 51. | 8.4% | Frazer High School District / 719 |
| 52. | 8.4% | Choteau High School District / 2,921 |
| 53. | 8.3% | Lustre Elementary School District / 221 |
| 54. | 8.3% | Whitehall Elementary School District / 3,215 |
| 55. | 8.2% | Fairview Elementary School District / 1,303 |
| 56. | 8.2% | Carter County High School District / 1,187 |
| 57. | 8.1% | Sheridan High School District / 1,650 |
| 58. | 8.1% | Cottonwood Elementary School District / 193 |
| 59. | 8.1% | Laurel High School District / 10,113 |
| 60. | 8.1% | Clinton Elementary School District / 2,448 |
| 60. | 8.1% | Trout Creek Elementary School District / 901 |
| 62. | 7.9% | Melstone High School District / 179 |
| 63. | 7.9% | Fairfield Elementary School District / 1,270 |
| 64. | 7.9% | Monforton Elementary School District / 2,232 |
| 65. | 7.9% | Missoula Elementary School District / 70,909 |
| 66. | 7.8% | Powell County High School District / 7,207 |
| 67. | 7.8% | Forsyth Elementary School District / 2,609 |
| 68. | 7.8% | Noxon High School District / 2,403 |
| 69. | 7.7% | Laurel Elementary School District / 10,438 |
| 70. | 7.7% | Lame Deer Elementary School District / 2,765 |
| 70. | 7.7% | Fairview High School District / 1,345 |
| 72. | 7.6% | Stevensville High School District / 10,247 |
| 73. | 7.6% | Troy High School District / 3,396 |
| 74. | 7.6% | Noxon Elementary School District / 1,502 |
| 75. | 7.6% | Judith Gap Elementary School District / 325 |
| 75. | 7.6% | Judith Gap High School District / 325 |
| 77. | 7.5% | Lavina K-12 Schools / 385 |
| 78. | 7.5% | Pine Creek Elementary School District / 448 |
| 79. | 7.4% | Park High School District / 12,483 |
| 80. | 7.4% | Sheridan Elementary School District / 1,378 |
| 80. | 7.4% | Whitehall High School District / 3,793 |
| 82. | 7.4% | Fortine Elementary School District / 898 |
| 83. | 7.4% | Chinook High School District / 2,241 |
| 84. | 7.3% | Wyola Elementary School District / 374 |
| 85. | 7.3% | McCormick Elementary School District / 500 |
| 85. | 7.3% | Chinook Elementary School District / 1,856 |
| 87. | 7.3% | Lolo Elementary School District / 4,903 |
| 88. | 7.2% | Forsyth High School District / 2,680 |
| 89. | 7.2% | Olney-Bissell Elementary School District / 1,184 |
| 90. | 7.2% | Rocky Boy High School District / 2,366 |
| 91. | 7.1% | Alzada Elementary School District / 176 |
| 92. | 7.0% | Ronan Elementary School District / 8,707 |
| 92. | 7.0% | Ronan High School District / 8,707 |
| 92. | 7.0% | Red Lodge High School District / 3,631 |
| 95. | 6.9% | Birney Elementary School District / 120 |
| 95. | 6.9% | Lame Deer High School District / 5,329 |
| 97. | 6.9% | Red Lodge Elementary School District / 3,112 |
| 98. | 6.8% | Bonner Elementary School District / 2,581 |
| 99. | 6.7% | Cut Bank Elementary School District / 4,323 |
| 99. | 6.7% | Cut Bank High School District / 4,323 |
| 101. | 6.7% | Livingston Elementary School District / 10,129 |
| 102. | 6.7% | Pryor Elementary School District / 739 |
| 102. | 6.7% | Shelby High School District / 4,093 |
| 102. | 6.7% | Plenty Coups High School District / 739 |
| 105. | 6.6% | Trinity Elementary School District / 1,733 |
| 106. | 6.6% | Bigfork High School District / 7,593 |
| 107. | 6.6% | Columbus Elementary School District / 3,754 |
| 107. | 6.6% | Missoula High School District / 102,467 |
| 109. | 6.5% | Big Sandy Elementary School District / 1,336 |
| 110. | 6.5% | Whitewater K-12 Schools / 174 |
| 111. | 6.4% | Stevensville Elementary School District / 7,152 |
| 112. | 6.4% | Hysham K-12 Schools / 761 |
| 112. | 6.4% | Kinsey Elementary School District / 559 |
| 114. | 6.4% | Bozeman Elementary School District / 53,316 |
| 115. | 6.4% | Power High School District / 624 |
| 116. | 6.4% | Anderson Elementary School District / 1,397 |
| 117. | 6.3% | Custer County High School District / 11,869 |
| 118. | 6.3% | Bozeman High School District / 59,840 |
| 119. | 6.3% | Pioneer Elementary School District / 1,147 |
| 120. | 6.2% | Augusta High School District / 689 |
| 120. | 6.2% | Augusta Elementary School District / 685 |
| 122. | 6.2% | Twin Bridges K-12 Schools / 1,382 |
| 123. | 6.1% | Miles City Elementary School District / 10,064 |
| 124. | 6.1% | Columbus High School District / 3,958 |
| 125. | 6.0% | Melville Elementary School District / 237 |
| 126. | 6.0% | Cascade Elementary School District / 1,907 |
| 127. | 6.0% | Fair-Mont-Egan Elementary School District / 1,341 |
| 128. | 6.0% | Potomac Elementary School District / 1,062 |
| 129. | 5.9% | Rocky Boy Elementary School District / 3,598 |
| 130. | 5.9% | Bear Paw Elementary School District / 104 |
| 131. | 5.8% | Dixon Elementary School District / 586 |
| 131. | 5.8% | Shelby Elementary School District / 3,793 |
| 133. | 5.8% | Shepherd Elementary School District / 4,069 |
| 133. | 5.8% | Shepherd High School District / 4,069 |
| 135. | 5.7% | Reedpoint Elementary School District / 718 |
| 136. | 5.7% | Power Elementary School District / 608 |
| 136. | 5.7% | Custer K-12 Schools / 411 |
| 138. | 5.6% | Shields Valley High School District / 1,705 |
| 138. | 5.6% | Shields Valley Elementary School District / 1,705 |
| 140. | 5.6% | Libby K-12 Schools / 9,600 |
| 141. | 5.6% | Blue Creek Elementary School District / 2,052 |
| 142. | 5.5% | Browning Elementary School District / 8,635 |
| 143. | 5.5% | Ovando Elementary School District / 239 |
| 144. | 5.4% | Dodson High School District / 344 |
| 145. | 5.3% | Winifred K-12 Schools / 424 |
| 146. | 5.3% | Grant Elementary School District / 76 |
| 146. | 5.3% | Big Sandy High School District / 2,612 |
| 146. | 5.3% | Florence-Carlton K-12 Schools / 5,211 |
| 149. | 5.2% | Browning High School District / 9,318 |
| 150. | 5.2% | Cascade High School District / 2,639 |
| 151. | 5.0% | Medicine Lake K-12 Schools / 747 |
| 152. | 4.9% | Manhattan Elementary School District / 2,390 |
| 153. | 4.9% | Valier Elementary School District / 1,022 |
| 154. | 4.9% | Superior K-12 Schools / 2,108 |
| 155. | 4.9% | Havre Elementary School District / 12,161 |
| 156. | 4.8% | Gallatin Gateway Elementary School District / 1,711 |
| 157. | 4.7% | Havre High School District / 12,531 |
| 158. | 4.7% | Manhattan High School District / 4,431 |
| 159. | 4.7% | West Yellowstone K-12 School District / 2,041 |
| 160. | 4.7% | Drummond Elementary School District / 1,167 |
| 160. | 4.7% | Amsterdam Elementary School District / 2,008 |
| 162. | 4.7% | Billings Elementary School District / 111,515 |
| 162. | 4.7% | Upper West Shore Elementary School District / 798 |
| 164. | 4.6% | Name N/A / 891,341 |
| 165. | 4.6% | Big Timber Elementary School District / 2,771 |
| 165. | 4.6% | Glendive Elementary School District / 6,617 |
| 167. | 4.5% | Saco High School District / 516 |
| 167. | 4.5% | Great Falls High School District / 72,595 |
| 167. | 4.5% | Hellgate Elementary School District / 13,024 |
| 170. | 4.4% | Great Falls Elementary School District / 72,487 |
| 171. | 4.4% | Billings High School District / 133,015 |
| 172. | 4.4% | Darby K-12 Schools / 3,554 |
| 173. | 4.4% | Nye Elementary School District / 210 |
| 174. | 4.3% | Sweet Grass County High School District / 3,511 |
| 175. | 4.3% | Bigfork Elementary School District / 5,893 |
| 176. | 4.3% | Butte Elementary School District / 33,054 |
| 176. | 4.3% | Whitefish Elementary School District / 13,008 |
| 178. | 4.2% | Reedpoint High School District / 711 |
| 178. | 4.2% | Hamilton K-12 Schools / 11,592 |
| 178. | 4.2% | Corvallis K-12 Schools / 7,474 |
| 181. | 4.2% | Hardin Elementary School District / 10,144 |
| 182. | 4.2% | Heart Butte K-12 Schools / 698 |
| 183. | 4.1% | Saco Elementary School District / 545 |
| 184. | 4.1% | Valier High School District / 1,210 |
| 185. | 4.1% | Drummond High School District / 1,489 |
| 186. | 4.1% | Whitefish High School District / 13,669 |
| 187. | 4.1% | Butte High School District / 34,435 |
| 188. | 4.1% | Rau Elementary School District / 391 |
| 189. | 4.0% | Lockwood Elementary School District / 8,067 |
| 190. | 4.0% | Melstone Elementary School District / 402 |
| 191. | 3.9% | Turner High School District / 307 |
| 191. | 3.9% | Charlo High School District / 1,834 |
| 191. | 3.9% | Turner Elementary School District / 322 |
| 194. | 3.9% | Garfield County High School District / 1,097 |
| 195. | 3.9% | Bridger K-12 Schools / 1,739 |
| 196. | 3.9% | Roundup Elementary School District / 4,399 |
| 197. | 3.9% | Rosebud High School District / 482 |
| 197. | 3.9% | Vida Elementary School District / 591 |
| 199. | 3.8% | Polson High School District / 11,606 |
| 199. | 3.8% | Glasgow K-12 Schools / 5,202 |
| 201. | 3.8% | Conrad Elementary School District / 3,568 |
| 201. | 3.8% | Plains High School District / 3,177 |
| 203. | 3.8% | Polson Elementary School District / 10,500 |
| 204. | 3.7% | Westby K-12 Schools / 299 |
| 204. | 3.7% | Conrad High School District / 3,800 |
| 204. | 3.7% | Roundup High School District / 4,551 |
| 207. | 3.7% | Kalispell Elementary School District / 28,320 |
| 208. | 3.6% | Wisdom Elementary School District / 285 |
| 209. | 3.6% | Kila Elementary School District / 2,090 |
| 209. | 3.6% | Lambert High School District / 283 |
| 211. | 3.5% | Lima K-12 Schools / 522 |
| 212. | 3.5% | Dawson High School District / 8,728 |
| 213. | 3.3% | Geyser Elementary School District / 389 |
| 213. | 3.3% | Geyser High School District / 389 |
| 215. | 3.3% | Flathead High School District / 58,126 |
| 215. | 3.3% | St. Ignatius K-12 Schools / 3,369 |
| 217. | 3.3% | Gardiner Elementary School District / 1,733 |
| 218. | 3.2% | Hardin High School District / 8,868 |
| 219. | 3.2% | Sidney Elementary School District / 7,775 |
| 219. | 3.2% | Lincoln County High School District / 6,459 |
| 219. | 3.2% | Gardiner High School District / 1,776 |
| 222. | 3.1% | Fort Benton Elementary School District / 1,728 |
| 223. | 3.1% | Lindsay Elementary School District / 291 |
| 224. | 3.1% | Canyon Creek Elementary School District / 2,315 |
| 225. | 3.1% | Sidney High School District / 8,438 |
| 226. | 3.1% | Hinsdale Elementary School District / 461 |
| 227. | 3.0% | Circle High School District / 1,758 |
| 228. | 3.0% | Arlee Elementary School District / 2,479 |
| 228. | 3.0% | Arlee High School District / 2,479 |
| 228. | 3.0% | Bynum Elementary School District / 301 |
| 231. | 3.0% | Chester-Joplin-Inverness Elementary School District / 2,185 |
| 231. | 3.0% | Ryegate K-12 Schools / 353 |
| 233. | 3.0% | East Glacier Park Elementary School District / 683 |
| 234. | 2.9% | Helena Flats Elementary School District / 1,780 |
| 235. | 2.9% | Absarokee High School District / 2,076 |
| 236. | 2.9% | Sun River Valley Elementary School District / 2,296 |
| 236. | 2.9% | Jordan Elementary School District / 602 |
| 238. | 2.9% | Chester-Joplin-Inverness High School District / 2,391 |
| 239. | 2.9% | Lambert Elementary School District / 393 |
| 239. | 2.9% | Plains Elementary School District / 2,788 |
| 241. | 2.8% | Dillon Elementary School District / 7,763 |
| 241. | 2.8% | Broadview Elementary School District / 893 |
| 243. | 2.8% | Hinsdale High School District / 490 |
| 244. | 2.8% | Broadus Elementary School District / 1,476 |
| 245. | 2.7% | Townsend K-12 Schools / 5,219 |
| 246. | 2.7% | Yaak Elementary School District / 267 |
| 247. | 2.7% | Wibaux K-12 Schools / 987 |
| 248. | 2.7% | Elysian Elementary School District / 1,338 |
| 248. | 2.7% | Beaverhead County High School District / 8,772 |
| 250. | 2.6% | Broadview High School District / 943 |
| 251. | 2.6% | Circle Elementary School District / 1,167 |
| 252. | 2.6% | Morin Elementary School District / 397 |
| 253. | 2.6% | Woodman Elementary School District / 458 |
| 253. | 2.6% | S H Elementary School District / 157 |
| 253. | 2.6% | Savage Elementary School District / 602 |
| 256. | 2.5% | Fort Benton High School District / 2,166 |
| 256. | 2.5% | Evergreen Elementary School District / 5,586 |
| 258. | 2.5% | Savage High School District / 620 |
| 259. | 2.5% | Simms High School District / 3,330 |
| 260. | 2.5% | Columbia Falls Elementary School District / 14,658 |
| 261. | 2.5% | Helena Elementary School District / 51,357 |
| 262. | 2.4% | Creston Elementary School District / 1,111 |
| 263. | 2.4% | Thompson Falls High School District / 3,734 |
| 263. | 2.4% | Thompson Falls Elementary School District / 3,734 |
| 265. | 2.4% | Powder River County High School District / 1,728 |
| 266. | 2.4% | Helmville Elementary School District / 299 |
| 267. | 2.4% | Columbia Falls High School District / 15,228 |
| 267. | 2.4% | Dutton/Brady K-12 Schools / 1,068 |
| 269. | 2.3% | Helena High School District / 62,953 |
| 270. | 2.3% | Hot Springs High School District / 1,471 |
| 270. | 2.3% | Lodge Grass High School District / 1,841 |
| 272. | 2.2% | Victor K-12 Schools / 3,538 |
| 273. | 2.2% | Charlo Elementary School District / 1,248 |
| 274. | 2.2% | Somers Elementary School District / 6,322 |
| 275. | 2.2% | Alberton K-12 Schools / 1,286 |
| 275. | 2.2% | Hays-Lodge Pole K-12 Schools / 1,459 |
| 277. | 2.2% | White Sulphur Springs Elementary School District / 1,919 |
| 278. | 2.2% | Ashland Elementary School District / 1,205 |
| 279. | 2.1% | Smith Valley Elementary School District / 1,883 |
| 280. | 2.1% | White Sulphur Springs High School District / 2,026 |
| 280. | 2.1% | Sunburst K-12 Schools / 1,115 |
| 282. | 2.0% | Three Forks High School District / 3,381 |
| 283. | 2.0% | Malta K-12 Schools / 3,160 |
| 284. | 1.9% | Three Forks Elementary School District / 3,485 |
| 285. | 1.9% | Montana City Elementary School District / 2,853 |
| 286. | 1.8% | Cayuse Prairie Elementary School District / 2,379 |
| 287. | 1.8% | Wolf Creek Elementary School District / 581 |
| 288. | 1.7% | Denton Elementary School District / 469 |
| 289. | 1.7% | Vaughn Elementary School District / 1,034 |
| 290. | 1.7% | Geraldine High School District / 568 |
| 290. | 1.7% | Denton High School District / 479 |
| 292. | 1.6% | Hall Elementary School District / 322 |
| 293. | 1.6% | Elder Grove Elementary School District / 3,410 |
| 294. | 1.6% | Name N/A / 2,538 |
| 295. | 1.5% | Centerville High School District / 1,615 |
| 296. | 1.5% | Centerville Elementary School District / 1,665 |
| 297. | 1.5% | Marion Elementary School District / 1,486 |
| 298. | 1.4% | Highwood High School District / 513 |
| 299. | 1.3% | Lodge Grass Elementary School District / 1,467 |
| 300. | 1.3% | Frontier Elementary School District / 594 |
| 301. | 1.3% | Anaconda Elementary School District / 8,970 |
| 302. | 1.3% | Opheim K-12 Schools / 307 |
| 302. | 1.3% | Anaconda High School District / 9,046 |
| 304. | 1.2% | Lincoln K-12 Schools / 1,130 |
| 304. | 1.2% | Belgrade High School District / 20,718 |
| 306. | 1.2% | Eureka Elementary School District / 4,808 |
| 307. | 1.2% | Nashua K-12 Schools / 800 |
| 308. | 1.2% | Terry K-12 Schools / 1,282 |
| 308. | 1.2% | Absarokee Elementary School District / 1,608 |
| 310. | 1.2% | Jefferson High School District / 8,158 |
| 311. | 1.0% | Seeley Lake Elementary School District / 1,571 |
| 312. | 1.0% | Wise River Elementary School District / 383 |
| 313. | 1.0% | De Smet Elementary School District / 796 |
| 314. | 0.9% | Ramsay Elementary School District / 1,114 |
| 314. | 0.9% | Wolf Point High School District / 4,735 |
| 316. | 0.9% | Belgrade Elementary School District / 20,497 |
| 316. | 0.9% | Wolf Point Elementary School District / 4,141 |
| 316. | 0.9% | Froid High School District / 502 |
| 316. | 0.9% | Froid Elementary School District / 502 |
| 320. | 0.8% | Joliet Elementary School District / 2,089 |
| 321. | 0.7% | Joliet High School District / 2,414 |
| 322. | 0.7% | Lewistown Elementary School District / 8,920 |
| 323. | 0.6% | Fergus High School District / 9,271 |
| 324. | 0.6% | East Helena Elementary School District / 9,282 |
| 325. | 0.5% | Fromberg K-12 Schools / 1,030 |
Please note that we only rank locations with 'Percentage of Houses without 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 without a Mortgage where Total Holding Costs 30-40% of Owner Income' data are not listed.
