| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 64.9% | Harrison Town School District / 13,569 |
| 2. | 64.0% | Cape May Point Borough School District / 128 |
| 3. | 57.9% | Deal Borough School District / 1,034 |
| 4. | 54.8% | Paterson City School District / 145,836 |
| 5. | 53.7% | Rockleigh Borough School District / 519 |
| 6. | 53.3% | Orange City Township School District / 30,389 |
| 7. | 53.0% | Hillside Township School District / 21,275 |
| 8. | 52.7% | Guttenberg Town School District / 10,960 |
| 9. | 51.9% | Wildwood City School District / 5,321 |
| 10. | 51.3% | Lodi Borough School District / 23,970 |
| 11. | 51.3% | Ridgefield Borough School District / 10,939 |
| 12. | 51.2% | Passaic City School District / 68,982 |
| 13. | 50.9% | Union City School District / 65,766 |
| 14. | 50.3% | Palisades Park Borough School District / 19,065 |
| 15. | 49.4% | East Newark Borough School District / 2,378 |
| 16. | 49.1% | Woodbine Borough School District / 2,461 |
| 17. | 48.5% | Union Beach Borough School District / 6,324 |
| 18. | 48.3% | West New York Town School District / 48,401 |
| 19. | 48.3% | Seaside Heights Borough School District / 2,967 |
| 20. | 47.7% | Little Ferry Borough School District / 10,602 |
| 21. | 47.6% | Newark City School District / 274,674 |
| 22. | 47.1% | Elizabeth City School District / 123,176 |
| 23. | 46.5% | Garfield City School District / 30,190 |
| 24. | 46.5% | West Cape May Borough School District / 946 |
| 25. | 45.8% | Lakewood Township School District / 87,681 |
| 26. | 45.4% | Keansburg Borough School District / 10,227 |
| 27. | 44.2% | Wallington Borough School District / 11,328 |
| 28. | 43.7% | Englewood Cliffs Borough School District / 5,266 |
| 29. | 43.3% | East Orange City School District / 64,927 |
| 30. | 43.3% | Belleville Town School District / 35,748 |
| 31. | 43.2% | Roselle Borough School District / 20,955 |
| 32. | 43.0% | Irvington Township School District / 54,833 |
| 33. | 42.8% | Long Branch City School District / 30,855 |
| 34. | 42.8% | Lake Como Borough School District / 1,813 |
| 35. | 42.2% | Lavallette Borough School District / 2,154 |
| 36. | 42.2% | North Bergen Township School District / 59,560 |
| 37. | 42.0% | Atlantic City School District / 40,081 |
| 38. | 41.9% | Greenwich Township School District / 878 |
| 39. | 41.8% | Fairview Borough School District / 13,656 |
| 40. | 41.8% | Asbury Park City School District / 16,275 |
| 41. | 41.7% | Pleasantville City School District / 20,210 |
| 42. | 41.5% | Norwood Borough School District / 5,682 |
| 43. | 41.1% | Cliffside Park Borough School District / 23,365 |
| 44. | 41.1% | Perth Amboy City School District / 50,182 |
| 45. | 40.8% | North Wildwood City School District / 4,175 |
| 46. | 40.6% | Lakehurst Borough School District / 2,661 |
| 47. | 40.5% | Hamburg Borough School District / 3,280 |
| 48. | 40.0% | Middle Township School District / 18,374 |
| 48. | 40.0% | Bass River Township School District / 1,465 |
| 50. | 39.8% | Sea Girt Borough School District / 1,951 |
| 51. | 39.7% | Frenchtown Borough School District / 1,399 |
| 52. | 39.6% | Rochelle Park Township School District / 5,497 |
| 53. | 39.5% | Alpine Borough School District / 1,926 |
| 54. | 39.4% | Englewood City School District / 26,828 |
| 55. | 39.3% | West Wildwood Borough School District / 518 |
| 56. | 39.3% | Moonachie Borough School District / 2,706 |
| 56. | 39.3% | Boonton Township School District / 4,269 |
| 58. | 39.2% | Brielle Borough School District / 4,795 |
| 59. | 39.1% | Ocean City School District / 12,289 |
| 60. | 38.9% | Bogota Borough School District / 8,158 |
| 61. | 38.4% | Weehawken Township School District / 12,605 |
| 62. | 38.0% | Plainfield City School District / 49,043 |
| 63. | 38.0% | Bound Brook Borough School District / 10,399 |
| 64. | 38.0% | Stockton Borough School District / 536 |
| 65. | 37.9% | Linden City School District / 39,967 |
| 66. | 37.9% | Carteret Borough School District / 22,445 |
| 67. | 37.7% | Beach Haven Borough School District / 1,404 |
| 68. | 37.3% | Cape May City School District / 3,687 |
| 69. | 37.2% | Elmwood Park Borough School District / 19,214 |
| 70. | 37.1% | Penns Grove-Carneys Point Regional School District / 13,132 |
| 71. | 37.1% | Bloomfield Township School District / 47,102 |
| 72. | 37.1% | Dover Town School District / 19,964 |
| 73. | 36.9% | New Brunswick City School District / 53,933 |
| 74. | 36.3% | Long Beach Island School District / 6,695 |
| 75. | 36.3% | Wildwood Crest Borough School District / 3,374 |
| 76. | 36.1% | Jersey City School District / 243,257 |
| 76. | 36.1% | Atlantic Highlands Borough School District / 4,442 |
| 78. | 36.0% | Clifton City School District / 82,776 |
| 79. | 36.0% | Berkeley Township School District / 41,374 |
| 80. | 35.8% | Manville Borough School District / 10,364 |
| 81. | 35.7% | Hackensack City School District / 42,713 |
| 82. | 35.6% | Camden City School District / 78,047 |
| 83. | 35.6% | Avon-by-the-Sea Borough School District / 2,097 |
| 84. | 35.5% | Central Regional School District / 49,172 |
| 85. | 35.4% | Woodland Park Borough School District / 11,609 |
| 86. | 35.3% | Prospect Park Borough School District / 5,833 |
| 87. | 35.3% | Northvale Borough School District / 4,585 |
| 88. | 35.2% | Union Township School District / 55,734 |
| 89. | 34.8% | Neptune City School District / 4,916 |
| 90. | 34.7% | Wharton Borough School District / 6,496 |
| 91. | 34.6% | Buena Regional School District / 12,127 |
| 92. | 34.5% | Dunellen Borough School District / 7,143 |
| 93. | 34.4% | Netcong Borough School District / 3,247 |
| 94. | 34.2% | Kingwood Township School District / 3,879 |
| 95. | 34.2% | Springfield Township School District / 15,479 |
| 96. | 34.1% | Roselle Park Borough School District / 13,179 |
| 96. | 34.1% | North Plainfield Borough School District / 21,932 |
| 98. | 34.0% | Seaside Park Borough School District / 1,838 |
| 99. | 33.9% | Oceanport Borough School District / 7,190 |
| 99. | 33.9% | Kearny Town School District / 40,208 |
| 101. | 33.9% | Margate City School District / 6,763 |
| 102. | 33.8% | Willingboro Township School District / 32,168 |
| 103. | 33.7% | Point Pleasant Beach Borough School District / 5,257 |
| 104. | 33.7% | Woodlynne Borough School District / 2,949 |
| 105. | 33.5% | West Long Branch Borough School District / 8,115 |
| 106. | 33.5% | Fairfield Township School District / 7,369 |
| 107. | 33.4% | Delaware Township School District / 4,603 |
| 108. | 33.4% | Manchester Township School District / 42,661 |
| 109. | 33.3% | Totowa Borough School District / 10,594 |
| 110. | 33.3% | New Milford Borough School District / 16,260 |
| 111. | 33.3% | Rahway City School District / 26,968 |
| 112. | 33.2% | Nutley Town School District / 28,020 |
| 113. | 33.1% | Mullica Township School District / 6,173 |
| 114. | 33.1% | Spring Lake Borough School District / 3,092 |
| 115. | 33.0% | Red Bank Borough School District / 12,131 |
| 116. | 33.0% | Bradley Beach Borough School District / 4,395 |
| 117. | 33.0% | Closter Borough School District / 8,318 |
| 118. | 33.0% | Edgewater Borough School District / 10,766 |
| 119. | 32.9% | Hamilton Township School District / 25,643 |
| 120. | 32.9% | Hawthorne Borough School District / 18,574 |
| 121. | 32.8% | Fort Lee Borough School District / 35,161 |
| 122. | 32.8% | Lower Cape May Regional School District / 27,368 |
| 123. | 32.5% | Bayonne City School District / 62,027 |
| 123. | 32.5% | Passaic Valley Regional School District / 36,079 |
| 125. | 32.5% | Elk Township School District / 4,147 |
| 126. | 32.4% | Greater Egg Harbor Regional School District / 72,698 |
| 127. | 32.3% | Harrington Park Borough School District / 4,655 |
| 128. | 32.2% | Brigantine City School District / 10,115 |
| 128. | 32.2% | Ridgefield Park Township School District / 12,690 |
| 130. | 32.1% | Fairfield Township School District / 6,354 |
| 131. | 32.0% | Galloway Township School District / 36,547 |
| 132. | 32.0% | Hope Township School District / 2,025 |
| 133. | 31.9% | Northern Valley Regional School District / 37,140 |
| 133. | 31.9% | Emerson Borough School District / 7,329 |
| 135. | 31.9% | Shore Regional School District / 18,656 |
| 136. | 31.9% | Dumont Borough School District / 17,386 |
| 137. | 31.8% | Southern Regional School District / 34,128 |
| 138. | 31.8% | Lower Township School District / 22,735 |
| 138. | 31.8% | Mount Holly Township School District / 9,831 |
| 140. | 31.8% | Hammonton Town School District / 14,655 |
| 141. | 31.7% | West Orange Town School District / 45,742 |
| 142. | 31.7% | Bridgeton City School District / 25,042 |
| 143. | 31.7% | Kenilworth Borough School District / 7,810 |
| 144. | 31.6% | Egg Harbor Township School District / 41,397 |
| 145. | 31.5% | Westville Borough School District / 4,374 |
| 146. | 31.5% | Franklin Lakes Borough School District / 10,506 |
| 147. | 31.5% | Somerville Borough School District / 12,188 |
| 148. | 31.5% | South River Borough School District / 15,862 |
| 149. | 31.5% | Lyndhurst Township School District / 20,242 |
| 150. | 31.5% | Springfield Township School District / 3,414 |
| 151. | 31.4% | Lebanon Township School District / 6,514 |
| 152. | 31.3% | Upper Saddle River Borough School District / 8,085 |
| 153. | 31.3% | Eatontown Borough School District / 12,939 |
| 153. | 31.3% | Matawan-Aberdeen Regional School District / 26,892 |
| 155. | 31.3% | Mansfield Township School District / 7,998 |
| 156. | 31.3% | Saddle River Borough School District / 3,137 |
| 157. | 31.1% | Paramus Borough School District / 26,084 |
| 158. | 31.0% | Oakland Borough School District / 12,642 |
| 158. | 31.0% | Carlstadt Borough School District / 6,060 |
| 160. | 30.9% | Linwood City School District / 7,176 |
| 161. | 30.8% | South Amboy City School District / 8,502 |
| 162. | 30.7% | Newton Town School District / 8,121 |
| 163. | 30.7% | Stanhope Borough School District / 3,647 |
| 164. | 30.7% | Kinnelon Borough School District / 10,176 |
| 165. | 30.6% | Hampton Township School District / 5,189 |
| 166. | 30.6% | Stafford Township School District / 26,029 |
| 167. | 30.6% | Chesilhurst Borough School District / 1,565 |
| 168. | 30.5% | Bergenfield Borough School District / 26,517 |
| 169. | 30.5% | Northern Highlands Regional School District / 14,574 |
| 170. | 30.4% | Lafayette Township School District / 2,522 |
| 171. | 30.4% | Egg Harbor City School District / 4,335 |
| 172. | 30.3% | Red Bank Regional School District / 21,889 |
| 173. | 30.2% | Henry Hudson Regional School District / 9,505 |
| 174. | 30.2% | Monroe Township School District / 37,171 |
| 175. | 30.1% | Fredon Township School District / 3,379 |
| 176. | 30.0% | Allamuchy Township School District / 4,295 |
| 177. | 30.0% | Gibbsboro Borough School District / 2,341 |
| 178. | 30.0% | Winfield Township School District / 1,440 |
| 179. | 29.9% | Barnegat Township School District / 20,073 |
| 179. | 29.9% | Mount Arlington Borough School District / 4,992 |
| 181. | 29.9% | Millstone Township School District / 10,293 |
| 181. | 29.9% | Little Falls Township School District / 13,876 |
| 181. | 29.9% | Somerset Hills Regional School District / 11,062 |
| 184. | 29.9% | Holland Township School District / 5,311 |
| 185. | 29.8% | Knowlton Township School District / 3,086 |
| 186. | 29.7% | Winslow Township School District / 38,569 |
| 187. | 29.7% | Mainland Regional School District / 26,773 |
| 188. | 29.7% | Haworth Borough School District / 3,374 |
| 189. | 29.7% | Bloomingdale Borough School District / 7,581 |
| 190. | 29.5% | Pinelands Regional School District / 25,816 |
| 191. | 29.4% | Colts Neck Township School District / 10,173 |
| 191. | 29.4% | Fair Haven Borough School District / 6,099 |
| 193. | 29.4% | Pompton Lakes Borough School District / 10,966 |
| 194. | 29.4% | Little Egg Harbor Township School District / 19,480 |
| 195. | 29.3% | Allendale Borough School District / 6,489 |
| 196. | 29.3% | Runnemede Borough School District / 8,487 |
| 197. | 29.2% | Tuckerton Borough School District / 3,407 |
| 198. | 29.2% | Belvidere Town School District / 2,734 |
| 198. | 29.2% | Somers Point City School District / 11,038 |
| 200. | 29.2% | Absecon City School District / 8,357 |
| 201. | 29.1% | Oxford Township School District / 2,515 |
| 202. | 29.1% | Northfield City School District / 8,559 |
| 203. | 29.1% | Midland Park Borough School District / 7,049 |
| 204. | 29.0% | Hampton Borough School District / 1,367 |
| 205. | 29.0% | North Arlington Borough School District / 15,271 |
| 206. | 29.0% | Woodland Township School District / 1,174 |
| 207. | 28.9% | North Brunswick Township School District / 39,920 |
| 208. | 28.9% | Mahwah Township School District / 25,422 |
| 209. | 28.8% | Keyport Borough School District / 7,312 |
| 210. | 28.7% | Secaucus Town School District / 16,008 |
| 211. | 28.7% | Montvale Borough School District / 7,663 |
| 212. | 28.5% | Rutherford Borough School District / 17,970 |
| 213. | 28.5% | Essex Fells Borough School District / 2,096 |
| 214. | 28.4% | Pennsauken Township School District / 35,929 |
| 214. | 28.4% | Saddle Brook Township School District / 13,487 |
| 216. | 28.4% | Highland Park Borough School District / 13,990 |
| 217. | 28.4% | Stone Harbor Borough School District / 929 |
| 218. | 28.3% | Delaware Valley Regional School District / 16,691 |
| 219. | 28.2% | Warren Township School District / 15,154 |
| 220. | 28.2% | Old Tappan Borough School District / 5,676 |
| 221. | 28.2% | Ramapo-Indian Hill Regional School District / 39,722 |
| 222. | 28.2% | Mine Hill Township School District / 3,663 |
| 223. | 28.1% | Shrewsbury Borough School District / 3,771 |
| 224. | 28.1% | Ho-Ho-Kus Borough School District / 4,056 |
| 225. | 28.1% | Freehold Borough School District / 11,910 |
| 226. | 28.0% | Lindenwold Borough School District / 17,601 |
| 227. | 27.9% | Woodcliff Lake Borough School District / 5,694 |
| 228. | 27.9% | Wanaque Borough School District / 10,891 |
| 229. | 27.9% | Sea Isle City School District / 2,127 |
| 230. | 27.8% | Brick Township School District / 75,905 |
| 231. | 27.8% | Neptune Township School District / 27,925 |
| 232. | 27.8% | Oradell Borough School District / 7,936 |
| 233. | 27.7% | Edgewater Park Township School District / 8,744 |
| 234. | 27.7% | Green Brook Township School District / 7,125 |
| 234. | 27.7% | West Essex Regional School District / 21,510 |
| 236. | 27.6% | Teaneck Township School District / 39,481 |
| 237. | 27.6% | Cedar Grove Township School District / 12,312 |
| 238. | 27.6% | Dennis Township School District / 6,449 |
| 238. | 27.6% | Vernon Township School District / 24,376 |
| 240. | 27.5% | Haledon Borough School District / 8,245 |
| 241. | 27.5% | Franklin Township School District / 3,143 |
| 242. | 27.5% | Little Silver Borough School District / 5,987 |
| 243. | 27.5% | Clementon Borough School District / 5,021 |
| 244. | 27.3% | Jamesburg Borough School District / 5,882 |
| 245. | 27.3% | Carlstadt-East Rutherford School District / 14,889 |
| 246. | 27.3% | Pequannock Township School District / 15,245 |
| 247. | 27.2% | Delanco Township School District / 4,136 |
| 248. | 27.2% | Bedminster Township School District / 8,201 |
| 249. | 27.2% | Kittatinny Regional School District / 14,801 |
| 250. | 27.2% | River Vale Township School District / 9,575 |
| 250. | 27.2% | Longport Borough School District / 1,039 |
| 252. | 27.1% | Union Township School District / 6,031 |
| 253. | 27.1% | Wayne Township School District / 54,337 |
| 254. | 27.0% | Waterford Township School District / 10,670 |
| 255. | 26.9% | Bay Head Borough School District / 1,159 |
| 256. | 26.9% | Point Pleasant Borough School District / 18,704 |
| 257. | 26.9% | High Bridge Borough School District / 3,706 |
| 258. | 26.9% | Washington Township School District / 18,422 |
| 258. | 26.9% | Roosevelt Borough School District / 712 |
| 260. | 26.8% | Northern Burlington Regional School District / 29,599 |
| 261. | 26.8% | Pohatcong Township School District / 3,396 |
| 262. | 26.8% | Hopatcong Borough School District / 15,440 |
| 262. | 26.8% | Mountain Lakes Borough School District / 4,183 |
| 264. | 26.8% | Monmouth Regional School District / 31,566 |
| 265. | 26.7% | Woodbridge Township School District / 99,115 |
| 266. | 26.7% | Ventnor City City School District / 11,151 |
| 267. | 26.6% | Island Heights Borough School District / 1,386 |
| 268. | 26.6% | Monmouth Beach Borough School District / 3,351 |
| 268. | 26.6% | Pascack Valley Regional School District / 33,073 |
| 270. | 26.6% | Howell Township School District / 50,776 |
| 271. | 26.5% | Southampton Township School District / 10,547 |
| 272. | 26.4% | Hackettstown Town School District / 9,704 |
| 273. | 26.4% | Jefferson Township School District / 21,093 |
| 274. | 26.4% | Riverdale Borough School District / 3,372 |
| 275. | 26.4% | Green Township School District / 3,568 |
| 275. | 26.4% | Beverly City School District / 2,638 |
| 275. | 26.4% | Cresskill Borough School District / 8,380 |
| 278. | 26.3% | Rumson-Fair Haven Regional School District / 13,239 |
| 279. | 26.2% | Lenape Valley Regional School District / 15,340 |
| 280. | 26.2% | Tenafly Borough School District / 14,276 |
| 281. | 26.2% | Watchung Borough School District / 5,686 |
| 282. | 26.1% | Roseland Borough School District / 5,686 |
| 283. | 26.1% | Trenton City School District / 85,181 |
| 284. | 26.1% | Vineland City School District / 59,908 |
| 285. | 26.1% | Wallkill Valley Regional School District / 18,694 |
| 286. | 26.1% | East Windsor Regional School District / 32,292 |
| 287. | 26.1% | Boonton Town School District / 8,405 |
| 288. | 26.0% | Verona Borough School District / 13,297 |
| 289. | 26.0% | Livingston Township School District / 28,810 |
| 290. | 25.9% | Name N/A / 2,155,166 |
| 291. | 25.9% | Mount Ephraim Borough School District / 4,659 |
| 292. | 25.9% | Ocean Township School District / 27,517 |
| 292. | 25.9% | Franklin Borough School District / 5,116 |
| 294. | 25.8% | Highlands Borough School District / 5,063 |
| 295. | 25.8% | Glen Rock Borough School District / 11,545 |
| 296. | 25.7% | Voorhees Township School District / 29,050 |
| 297. | 25.7% | Sussex-Wantage Regional School District / 13,242 |
| 298. | 25.6% | Garwood Borough School District / 4,175 |
| 299. | 25.4% | Haddonfield Borough School District / 11,612 |
| 300. | 25.3% | South Hackensack Township School District / 2,260 |
| 301. | 25.3% | Marlboro Township School District / 39,424 |
| 302. | 25.2% | Glen Ridge Borough School District / 7,441 |
| 303. | 25.2% | Freehold Regional School District / 188,819 |
| 304. | 25.2% | Morris Plains Borough School District / 5,558 |
| 305. | 25.2% | Freehold Township School District / 35,430 |
| 306. | 25.2% | Eastern Camden County Regional School District / 38,748 |
| 307. | 25.2% | Lakeland Regional School District / 23,055 |
| 307. | 25.2% | Bellmawr Borough School District / 11,612 |
| 309. | 25.2% | Sayreville Borough School District / 42,279 |
| 309. | 25.2% | Ridgewood Village School District / 24,827 |
| 311. | 25.1% | Clark Township School District / 14,599 |
| 312. | 25.1% | River Dell Regional School District / 19,135 |
| 313. | 25.1% | Harmony Township School District / 2,707 |
| 313. | 25.1% | Watchung Hills Regional School District / 29,579 |
| 315. | 25.1% | Lacey Township School District / 27,469 |
| 315. | 25.1% | Tinton Falls Borough School District / 18,627 |
| 317. | 25.1% | Magnolia Borough School District / 4,364 |
| 318. | 25.0% | Lawnside Borough School District / 2,898 |
| 318. | 25.0% | Pittsgrove Township School District / 9,337 |
| 320. | 25.0% | Lambertville City School District / 3,932 |
| 321. | 25.0% | Passaic County Manchester Regional School District / 22,264 |
| 322. | 25.0% | North Warren Regional School District / 12,879 |
| 323. | 25.0% | Parsippany-Troy Hills Township School District / 52,854 |
| 324. | 24.9% | Toms River Regional School District / 108,546 |
| 325. | 24.9% | Wood-Ridge Borough School District / 7,572 |
| 326. | 24.9% | Spotswood Borough School District / 10,299 |
| 327. | 24.9% | Glassboro Borough School District / 18,811 |
| 328. | 24.9% | Great Meadows Regional School District / 8,679 |
| 329. | 24.8% | Elmer Borough School District / 1,224 |
| 330. | 24.8% | East Rutherford Borough School District / 8,829 |
| 331. | 24.7% | Monroe Township School District / 35,195 |
| 331. | 24.7% | Middletown Township School District / 66,709 |
| 333. | 24.7% | Manasquan Borough School District / 5,975 |
| 334. | 24.6% | Tabernacle Township School District / 7,039 |
| 334. | 24.6% | Ocean Gate Borough School District / 1,607 |
| 336. | 24.6% | Upper Deerfield Township School District / 7,638 |
| 336. | 24.6% | Greenwich Township School District / 5,548 |
| 338. | 24.6% | Sparta Township School District / 19,642 |
| 339. | 24.5% | Cumberland Regional School District / 24,551 |
| 340. | 24.5% | Burlington City School District / 9,953 |
| 341. | 24.5% | Edison Township School District / 99,557 |
| 342. | 24.5% | Blairstown Township School District / 7,595 |
| 343. | 24.4% | Hasbrouck Heights Borough School District / 11,742 |
| 344. | 24.4% | Hazlet Township School District / 20,540 |
| 345. | 24.4% | Montclair Town School District / 37,639 |
| 346. | 24.3% | Cinnaminson Township School District / 15,533 |
| 347. | 24.3% | Robbinsville Township School District / 13,016 |
| 348. | 24.3% | South Hunterdon Regional School District / 8,075 |
| 349. | 24.3% | Avalon Borough School District / 1,914 |
| 350. | 24.2% | East Amwell Township School District / 4,111 |
| 351. | 24.2% | Delsea Regional High School School District / 20,891 |
| 352. | 24.2% | Chesterfield Township School District / 7,412 |
| 353. | 24.2% | Franklin Township School District / 60,354 |
| 353. | 24.2% | Westwood Regional School District / 19,889 |
| 355. | 24.1% | Holmdel Township School District / 16,599 |
| 356. | 24.0% | Wyckoff Township School District / 16,574 |
| 357. | 24.0% | Ewing Township School District / 35,843 |
| 358. | 24.0% | Estell Manor City School District / 1,650 |
| 358. | 24.0% | Upper Township School District / 12,257 |
| 360. | 23.9% | Eastampton Township School District / 6,158 |
| 361. | 23.9% | Waldwick Borough School District / 9,580 |
| 362. | 23.9% | Maple Shade Township School District / 19,270 |
| 363. | 23.8% | Hillsdale Borough School District / 10,141 |
| 363. | 23.8% | Morris Township School District / 40,680 |
| 365. | 23.8% | Denville Township School District / 16,535 |
| 366. | 23.8% | Old Bridge Township School District / 64,489 |
| 367. | 23.8% | Millville City School District / 28,134 |
| 367. | 23.8% | West Milford Township School District / 25,754 |
| 369. | 23.7% | Spring Lake Heights Borough School District / 4,810 |
| 370. | 23.7% | North Hunterdon-Voorhees Regional School District / 51,435 |
| 371. | 23.6% | Weymouth Township School District / 2,666 |
| 371. | 23.6% | Piscataway Township School District / 55,000 |
| 373. | 23.6% | Maywood Borough School District / 9,503 |
| 374. | 23.5% | Corbin City School District / 638 |
| 375. | 23.5% | Roxbury Township School District / 23,388 |
| 376. | 23.4% | Jackson Township School District / 53,115 |
| 377. | 23.4% | Tewksbury Township School District / 5,977 |
| 378. | 23.4% | Rumson Borough School District / 7,140 |
| 378. | 23.4% | Alpha Borough School District / 2,490 |
| 378. | 23.4% | South Orange-Maplewood School District / 39,953 |
| 381. | 23.4% | Demarest Borough School District / 4,850 |
| 382. | 23.4% | Morris Hills Regional School District / 53,509 |
| 383. | 23.3% | Stillwater Township School District / 4,176 |
| 383. | 23.3% | Bordentown Regional School District / 15,423 |
| 385. | 23.3% | Maurice River Township School District / 8,006 |
| 386. | 23.3% | National Park Borough School District / 3,109 |
| 387. | 23.2% | Pemberton Township School District / 29,465 |
| 387. | 23.2% | Eagleswood Township School District / 1,464 |
| 389. | 23.2% | Hainesport Township School District / 5,809 |
| 390. | 23.2% | Black Horse Pike Regional School District / 84,586 |
| 391. | 23.2% | Washington Township School District / 6,663 |
| 392. | 23.2% | Hamilton Township School District / 88,412 |
| 393. | 23.2% | Westampton Township School District / 8,594 |
| 394. | 23.1% | Montville Township School District / 21,468 |
| 395. | 23.1% | Andover Regional School District / 7,165 |
| 396. | 23.0% | Rancocas Valley Regional School District / 42,667 |
| 397. | 23.0% | Washington Township School District / 49,014 |
| 398. | 22.9% | West Morris Regional School District / 38,459 |
| 399. | 22.8% | Hunterdon Central Regional School District / 51,482 |
| 399. | 22.8% | River Edge Borough School District / 11,199 |
| 401. | 22.8% | Oldmans Township School District / 2,010 |
| 402. | 22.7% | Downe Township School District / 1,427 |
| 403. | 22.7% | Gateway Regional School District / 12,769 |
| 404. | 22.7% | Port Republic City School District / 1,102 |
| 405. | 22.6% | Ringwood Borough School District / 12,164 |
| 405. | 22.6% | Byram Township School District / 8,446 |
| 407. | 22.6% | Ogdensburg Borough School District / 2,371 |
| 408. | 22.6% | Berkeley Heights Township School District / 13,133 |
| 409. | 22.5% | North Caldwell Borough School District / 6,359 |
| 410. | 22.5% | Wall Township School District / 26,011 |
| 410. | 22.5% | Greenwich Township School District / 4,938 |
| 412. | 22.5% | Middlesex Borough School District / 13,652 |
| 412. | 22.5% | Fair Lawn Borough School District / 32,147 |
| 414. | 22.5% | High Point Regional School District / 22,291 |
| 414. | 22.5% | Hillsborough Township School District / 38,461 |
| 416. | 22.4% | Franklin Township School District / 16,744 |
| 417. | 22.3% | Plumsted Township School District / 8,283 |
| 418. | 22.3% | Paulsboro Borough School District / 6,169 |
| 419. | 22.2% | Sandyston-Walpack Township School District / 2,057 |
| 420. | 22.2% | Bernards Township School District / 26,310 |
| 420. | 22.2% | Clinton Township School District / 13,519 |
| 422. | 22.1% | Mannington Township School District / 1,375 |
| 423. | 22.1% | Mount Olive Township School District / 27,482 |
| 423. | 22.1% | Gloucester Township School District / 64,487 |
| 425. | 22.1% | Lincoln Park Borough School District / 10,630 |
| 426. | 22.0% | Manalapan-Englishtown Regional School District / 39,767 |
| 427. | 22.0% | Milford Borough School District / 1,181 |
| 428. | 22.0% | Harding Township School District / 3,758 |
| 428. | 22.0% | Flemington-Raritan Regional School District / 26,533 |
| 428. | 22.0% | Palmyra Borough School District / 7,416 |
| 431. | 21.9% | West Deptford Township School District / 21,446 |
| 432. | 21.9% | Oaklyn Borough School District / 4,070 |
| 433. | 21.9% | Cherry Hill Township School District / 70,963 |
| 433. | 21.9% | Sterling High School Dist School District / 16,649 |
| 435. | 21.9% | Berlin Borough School District / 7,357 |
| 436. | 21.8% | Franklin Township School District / 3,193 |
| 437. | 21.8% | West Amwell Township School District / 3,607 |
| 438. | 21.8% | Deerfield Township School District / 3,086 |
| 439. | 21.8% | Newfield Elementary School District / 1,687 |
| 439. | 21.8% | Lebanon Borough School District / 1,260 |
| 441. | 21.7% | Commercial Township School District / 5,196 |
| 442. | 21.6% | Branchburg Township School District / 14,483 |
| 443. | 21.6% | Rockaway Township School District / 24,020 |
| 443. | 21.6% | Phillipsburg Town School District / 15,197 |
| 445. | 21.6% | Medford Lakes Borough School District / 4,179 |
| 446. | 21.6% | New Providence Borough School District / 12,018 |
| 447. | 21.5% | Scotch Plains-Fanwood Regional School District / 30,399 |
| 448. | 21.5% | Alexandria Township School District / 4,921 |
| 449. | 21.4% | Metuchen Borough School District / 13,431 |
| 450. | 21.4% | Warren Hills Regional School District / 24,286 |
| 451. | 21.4% | Deptford Township School District / 30,177 |
| 452. | 21.3% | White Township School District / 4,826 |
| 453. | 21.3% | Summit City School District / 21,217 |
| 454. | 21.3% | Bloomsbury Borough School District / 775 |
| 455. | 21.3% | Somerdale Borough School District / 5,197 |
| 455. | 21.3% | The Chathams School District / 19,318 |
| 457. | 21.2% | Cranford Township School District / 22,414 |
| 458. | 21.2% | East Brunswick Township School District / 47,409 |
| 459. | 21.1% | East Hanover Township School District / 11,232 |
| 460. | 21.1% | Burlington Township School District / 22,376 |
| 461. | 21.1% | Florham Park Borough School District / 11,494 |
| 462. | 21.1% | Lawrence Township School District / 3,192 |
| 463. | 21.0% | Readington Township School District / 16,235 |
| 464. | 20.8% | Hopewell Township School District / 5,167 |
| 465. | 20.8% | Delran Township School District / 16,773 |
| 466. | 20.7% | Swedesboro-Woolwich School District / 11,513 |
| 467. | 20.7% | Merchantville Borough School District / 3,835 |
| 468. | 20.7% | Upper Freehold Regional School District / 8,263 |
| 469. | 20.6% | Hardyston Township School District / 7,927 |
| 470. | 20.6% | Haddon Township School District / 14,739 |
| 471. | 20.5% | Lawrence Township School District / 32,762 |
| 472. | 20.5% | Frelinghuysen Township School District / 2,198 |
| 472. | 20.5% | Gloucester City School District / 11,479 |
| 474. | 20.4% | Farmingdale Borough School District / 1,339 |
| 475. | 20.4% | Moorestown Township School District / 20,577 |
| 476. | 20.4% | Pine Hill Borough School District / 10,354 |
| 477. | 20.4% | Mendham Borough School District / 5,022 |
| 478. | 20.3% | Randolph Township School District / 25,650 |
| 479. | 20.3% | Elsinboro Township School District / 1,182 |
| 479. | 20.3% | Lenape Regional School District / 139,852 |
| 481. | 20.3% | Caldwell-West Caldwell School District / 18,517 |
| 481. | 20.3% | Bridgewater-Raritan Regional School District / 51,048 |
| 483. | 20.3% | Ramsey Borough School District / 14,376 |
| 484. | 20.2% | Stratford Borough School District / 7,088 |
| 485. | 20.2% | North Haledon Borough School District / 8,186 |
| 486. | 20.1% | South Plainfield Borough School District / 23,090 |
| 487. | 20.1% | Montague Township School District / 3,805 |
| 488. | 20.0% | Medford Township School District / 23,084 |
| 489. | 20.0% | Mount Laurel Township School District / 41,924 |
| 490. | 19.8% | Washington Borough School District / 6,591 |
| 491. | 19.8% | Butler Borough School District / 7,515 |
| 492. | 19.8% | Montgomery Township School District / 22,014 |
| 493. | 19.7% | Woodbury City School District / 10,280 |
| 494. | 19.7% | Park Ridge Borough School District / 8,615 |
| 495. | 19.7% | Evesham Township School District / 45,347 |
| 496. | 19.6% | Hanover Park Regional School District / 36,348 |
| 496. | 19.6% | Harrison Township School District / 11,866 |
| 496. | 19.6% | Bethlehem Township School District / 3,978 |
| 499. | 19.5% | Collingswood Borough School District / 14,024 |
| 500. | 19.5% | Long Hill Township School District / 8,739 |
| 501. | 19.4% | Rockaway Borough School District / 6,458 |
| 502. | 19.4% | Woodbury Heights Borough School District / 3,074 |
| 503. | 19.3% | Leonia Borough School District / 8,890 |
| 504. | 19.1% | South Brunswick Township School District / 42,385 |
| 505. | 19.1% | Clearview Regional School District / 27,049 |
| 506. | 19.0% | Folsom Borough School District / 1,740 |
| 507. | 19.0% | Quinton Township School District / 2,703 |
| 507. | 19.0% | Pennsville Township School District / 13,410 |
| 509. | 18.8% | Millburn Township School District / 19,958 |
| 510. | 18.8% | Lopatcong Township School District / 7,701 |
| 511. | 18.8% | Mantua Township School District / 15,183 |
| 512. | 18.7% | Clinton Town School District / 4,607 |
| 513. | 18.6% | Chester Township School District / 9,190 |
| 514. | 18.6% | Alloway Township School District / 3,356 |
| 515. | 18.6% | Washington Township School District / 1,485 |
| 516. | 18.5% | Belmar Borough School District / 5,844 |
| 517. | 18.5% | Upper Pittsgrove Township School District / 3,515 |
| 518. | 18.4% | Kingsway Regional School District / 23,480 |
| 519. | 18.4% | Mendham Township School District / 5,825 |
| 520. | 18.3% | Laurel Springs Borough School District / 2,157 |
| 521. | 18.2% | Princeton Regional School District / 28,922 |
| 522. | 18.2% | Allenhurst Borough School District / 492 |
| 523. | 18.1% | Madison Borough School District / 15,846 |
| 524. | 17.8% | Hopewell Valley Regional School District / 21,734 |
| 525. | 17.7% | Califon Borough School District / 1,283 |
| 526. | 17.7% | Mansfield Township School District / 7,889 |
| 527. | 17.6% | Pitman Borough School District / 9,154 |
| 528. | 17.5% | Milltown Borough School District / 6,895 |
| 529. | 17.5% | Brooklawn Borough School District / 1,697 |
| 530. | 17.5% | Berlin Township School District / 5,337 |
| 530. | 17.5% | Ocean Township School District / 8,055 |
| 532. | 17.4% | Hanover Township School District / 13,622 |
| 533. | 17.3% | Florence Township School District / 11,984 |
| 534. | 17.2% | North Hanover Township School District / 10,775 |
| 535. | 16.9% | West Windsor-Plainsboro Regional School District / 48,781 |
| 536. | 16.7% | Haddon Heights Borough School District / 7,500 |
| 537. | 16.2% | Riverside Township School District / 8,125 |
| 538. | 16.2% | South Harrison Township School District / 3,058 |
| 539. | 16.0% | Lumberton Township School District / 12,275 |
| 540. | 16.0% | Westfield Town School District / 29,950 |
| 541. | 16.0% | East Greenwich Township School District / 8,909 |
| 541. | 16.0% | Mountainside Borough School District / 6,616 |
| 543. | 15.6% | South Bound Brook Borough School District / 4,566 |
| 544. | 15.4% | Audubon Borough School District / 9,947 |
| 545. | 14.7% | Woodstown-Pilesgrove Regional School District / 7,469 |
| 546. | 14.6% | Lower Alloways Creek Township School District / 1,980 |
| 547. | 14.2% | New Hanover Township School District / 5,406 |
| 548. | 13.8% | Clayton Borough School District / 8,063 |
| 549. | 13.5% | Frankford Township School District / 6,527 |
| 550. | 13.4% | Barrington Borough School District / 7,021 |
| 551. | 13.1% | Logan Township School District / 6,100 |
| 552. | 12.9% | Hoboken City School District / 47,384 |
| 553. | 12.9% | Wenonah Borough School District / 2,212 |
| 554. | 12.7% | Hi-Nella Borough School District / 935 |
| 555. | 11.9% | Salem City School District / 5,289 |
| 556. | 11.4% | Riverton Borough School District / 2,806 |
| 557. | 11.3% | Shamong Township School District / 6,558 |
| 558. | 11.2% | Interlaken Borough School District / 770 |
| 559. | 9.1% | Stow Creek Township School District / 1,428 |
| 560. | 9.0% | Cranbury Township School District / 3,753 |
Please note that we only rank locations with 'Percentage of Houses with 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 with 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.
