| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 10-20% of Owner Income ▼ | School District / Population |
| 1. | 100.0% | Pine Valley Borough School District / 13 |
| 2. | 60.4% | Seaside Heights Borough School District / 2,967 |
| 3. | 58.4% | Delanco Township School District / 4,136 |
| 4. | 56.0% | Woodcliff Lake Borough School District / 5,694 |
| 5. | 55.8% | Egg Harbor City School District / 4,335 |
| 6. | 55.2% | Lawrence Township School District / 3,192 |
| 7. | 53.4% | Washington Township School District / 1,485 |
| 8. | 52.7% | Tuckerton Borough School District / 3,407 |
| 9. | 51.7% | Union Township School District / 6,031 |
| 10. | 51.1% | Brooklawn Borough School District / 1,697 |
| 11. | 49.1% | Kingwood Township School District / 3,879 |
| 12. | 48.9% | Butler Borough School District / 7,515 |
| 13. | 48.2% | Norwood Borough School District / 5,682 |
| 14. | 48.2% | Wildwood Crest Borough School District / 3,374 |
| 15. | 48.0% | Woodbury Heights Borough School District / 3,074 |
| 16. | 47.4% | Mannington Township School District / 1,375 |
| 17. | 47.4% | Woodland Township School District / 1,174 |
| 18. | 47.2% | National Park Borough School District / 3,109 |
| 19. | 47.0% | Stillwater Township School District / 4,176 |
| 20. | 46.9% | Glen Ridge Borough School District / 7,441 |
| 21. | 46.6% | Beverly City School District / 2,638 |
| 22. | 46.5% | Kinnelon Borough School District / 10,176 |
| 23. | 46.2% | Millstone Township School District / 10,293 |
| 24. | 46.0% | Long Hill Township School District / 8,739 |
| 25. | 45.7% | Woodbury City School District / 10,280 |
| 26. | 45.4% | Clayton Borough School District / 8,063 |
| 27. | 45.2% | Old Tappan Borough School District / 5,676 |
| 28. | 44.8% | Gibbsboro Borough School District / 2,341 |
| 29. | 44.8% | Emerson Borough School District / 7,329 |
| 30. | 44.7% | Pohatcong Township School District / 3,396 |
| 31. | 44.5% | Tabernacle Township School District / 7,039 |
| 31. | 44.5% | Boonton Town School District / 8,405 |
| 33. | 44.4% | Jefferson Township School District / 21,093 |
| 34. | 44.3% | Interlaken Borough School District / 770 |
| 35. | 44.2% | Fredon Township School District / 3,379 |
| 36. | 44.1% | Harmony Township School District / 2,707 |
| 37. | 44.0% | Warren Township School District / 15,154 |
| 38. | 44.0% | Hopewell Township School District / 5,167 |
| 39. | 44.0% | Frankford Township School District / 6,527 |
| 40. | 43.9% | Pennsville Township School District / 13,410 |
| 41. | 43.6% | Florence Township School District / 11,984 |
| 42. | 43.5% | Essex Fells Borough School District / 2,096 |
| 43. | 43.2% | Stanhope Borough School District / 3,647 |
| 44. | 43.2% | Harrison Township School District / 11,866 |
| 45. | 43.1% | Hainesport Township School District / 5,809 |
| 46. | 42.9% | Burlington Township School District / 22,376 |
| 47. | 42.9% | Freehold Borough School District / 11,910 |
| 48. | 42.7% | Sussex-Wantage Regional School District / 13,242 |
| 49. | 42.6% | Belvidere Town School District / 2,734 |
| 50. | 42.4% | East Newark Borough School District / 2,378 |
| 51. | 42.4% | Saddle River Borough School District / 3,137 |
| 52. | 42.3% | High Point Regional School District / 22,291 |
| 53. | 42.1% | Mansfield Township School District / 7,889 |
| 54. | 42.1% | Totowa Borough School District / 10,594 |
| 55. | 42.0% | Alexandria Township School District / 4,921 |
| 56. | 41.8% | North Caldwell Borough School District / 6,359 |
| 56. | 41.8% | Mount Olive Township School District / 27,482 |
| 58. | 41.8% | Watchung Hills Regional School District / 29,579 |
| 59. | 41.7% | Folsom Borough School District / 1,740 |
| 60. | 41.7% | Medford Township School District / 23,084 |
| 61. | 41.7% | Absecon City School District / 8,357 |
| 62. | 41.6% | Hanover Township School District / 13,622 |
| 63. | 41.5% | Cape May City School District / 3,687 |
| 64. | 41.3% | Millville City School District / 28,134 |
| 65. | 41.3% | North Hanover Township School District / 10,775 |
| 66. | 41.3% | Newfield Elementary School District / 1,687 |
| 67. | 41.3% | Gateway Regional School District / 12,769 |
| 68. | 41.2% | Frenchtown Borough School District / 1,399 |
| 69. | 40.9% | Bloomsbury Borough School District / 775 |
| 70. | 40.8% | Mount Ephraim Borough School District / 4,659 |
| 70. | 40.8% | Highlands Borough School District / 5,063 |
| 72. | 40.7% | Sea Isle City School District / 2,127 |
| 73. | 40.6% | Mendham Township School District / 5,825 |
| 74. | 40.6% | Pittsgrove Township School District / 9,337 |
| 75. | 40.5% | Springfield Township School District / 3,414 |
| 76. | 40.4% | Laurel Springs Borough School District / 2,157 |
| 77. | 40.4% | Frelinghuysen Township School District / 2,198 |
| 78. | 40.2% | Lumberton Township School District / 12,275 |
| 79. | 40.2% | Ringwood Borough School District / 12,164 |
| 80. | 40.2% | Hasbrouck Heights Borough School District / 11,742 |
| 81. | 40.1% | Lopatcong Township School District / 7,701 |
| 82. | 40.1% | Somerdale Borough School District / 5,197 |
| 83. | 40.0% | Fairview Borough School District / 13,656 |
| 84. | 40.0% | Oakland Borough School District / 12,642 |
| 85. | 40.0% | Delran Township School District / 16,773 |
| 86. | 39.9% | Wood-Ridge Borough School District / 7,572 |
| 87. | 39.7% | Eagleswood Township School District / 1,464 |
| 88. | 39.7% | Roxbury Township School District / 23,388 |
| 89. | 39.6% | Voorhees Township School District / 29,050 |
| 89. | 39.6% | Westville Borough School District / 4,374 |
| 91. | 39.5% | Runnemede Borough School District / 8,487 |
| 91. | 39.5% | Sparta Township School District / 19,642 |
| 93. | 39.5% | East Greenwich Township School District / 8,909 |
| 94. | 39.4% | Trenton City School District / 85,181 |
| 95. | 39.4% | Wildwood City School District / 5,321 |
| 96. | 39.4% | Clementon Borough School District / 5,021 |
| 97. | 39.1% | Mountain Lakes Borough School District / 4,183 |
| 98. | 39.1% | Penns Grove-Carneys Point Regional School District / 13,132 |
| 99. | 39.0% | Bloomingdale Borough School District / 7,581 |
| 100. | 39.0% | Bellmawr Borough School District / 11,612 |
| 101. | 39.0% | Old Bridge Township School District / 64,489 |
| 102. | 38.9% | Pemberton Township School District / 29,465 |
| 103. | 38.9% | Eastern Camden County Regional School District / 38,748 |
| 104. | 38.9% | Bradley Beach Borough School District / 4,395 |
| 104. | 38.9% | Egg Harbor Township School District / 41,397 |
| 104. | 38.9% | Greenwich Township School District / 4,938 |
| 107. | 38.8% | Kittatinny Regional School District / 14,801 |
| 107. | 38.8% | Lakehurst Borough School District / 2,661 |
| 109. | 38.8% | Oradell Borough School District / 7,936 |
| 109. | 38.8% | Burlington City School District / 9,953 |
| 111. | 38.8% | Brigantine City School District / 10,115 |
| 112. | 38.7% | Metuchen Borough School District / 13,431 |
| 113. | 38.6% | Stockton Borough School District / 536 |
| 114. | 38.2% | Paulsboro Borough School District / 6,169 |
| 115. | 38.2% | Stone Harbor Borough School District / 929 |
| 116. | 38.1% | White Township School District / 4,826 |
| 117. | 38.1% | Mullica Township School District / 6,173 |
| 118. | 38.0% | Washington Township School District / 49,014 |
| 119. | 38.0% | Evesham Township School District / 45,347 |
| 120. | 37.9% | Northfield City School District / 8,559 |
| 121. | 37.8% | New Brunswick City School District / 53,933 |
| 121. | 37.8% | Elsinboro Township School District / 1,182 |
| 123. | 37.7% | West Essex Regional School District / 21,510 |
| 124. | 37.6% | Glassboro Borough School District / 18,811 |
| 125. | 37.6% | Elmer Borough School District / 1,224 |
| 126. | 37.6% | High Bridge Borough School District / 3,706 |
| 127. | 37.5% | Mount Holly Township School District / 9,831 |
| 128. | 37.5% | Hamilton Township School District / 88,412 |
| 129. | 37.5% | Little Silver Borough School District / 5,987 |
| 130. | 37.4% | Mansfield Township School District / 7,998 |
| 131. | 37.3% | Northern Burlington Regional School District / 29,599 |
| 132. | 37.3% | West Wildwood Borough School District / 518 |
| 132. | 37.3% | East Brunswick Township School District / 47,409 |
| 134. | 37.1% | Spring Lake Borough School District / 3,092 |
| 135. | 37.0% | Lafayette Township School District / 2,522 |
| 136. | 37.0% | Tewksbury Township School District / 5,977 |
| 137. | 37.0% | Cranford Township School District / 22,414 |
| 138. | 37.0% | Oxford Township School District / 2,515 |
| 139. | 37.0% | Lincoln Park Borough School District / 10,630 |
| 140. | 36.9% | Berlin Township School District / 5,337 |
| 141. | 36.9% | Delaware Valley Regional School District / 16,691 |
| 142. | 36.9% | Keansburg Borough School District / 10,227 |
| 143. | 36.8% | Springfield Township School District / 15,479 |
| 144. | 36.8% | Hope Township School District / 2,025 |
| 145. | 36.7% | Willingboro Township School District / 32,168 |
| 146. | 36.7% | Pinelands Regional School District / 25,816 |
| 147. | 36.7% | Haddon Township School District / 14,739 |
| 148. | 36.6% | Northvale Borough School District / 4,585 |
| 148. | 36.6% | Kingsway Regional School District / 23,480 |
| 150. | 36.6% | East Amwell Township School District / 4,111 |
| 151. | 36.6% | Glen Rock Borough School District / 11,545 |
| 152. | 36.6% | Medford Lakes Borough School District / 4,179 |
| 153. | 36.5% | Weehawken Township School District / 12,605 |
| 154. | 36.5% | Pleasantville City School District / 20,210 |
| 155. | 36.5% | Buena Regional School District / 12,127 |
| 156. | 36.5% | Randolph Township School District / 25,650 |
| 157. | 36.4% | Point Pleasant Beach Borough School District / 5,257 |
| 158. | 36.4% | Sayreville Borough School District / 42,279 |
| 159. | 36.3% | Fair Lawn Borough School District / 32,147 |
| 160. | 36.3% | Lenape Regional School District / 139,852 |
| 161. | 36.3% | Ocean Township School District / 8,055 |
| 162. | 36.3% | Bordentown Regional School District / 15,423 |
| 162. | 36.3% | Quinton Township School District / 2,703 |
| 162. | 36.3% | Wall Township School District / 26,011 |
| 165. | 36.2% | Edgewater Park Township School District / 8,744 |
| 166. | 36.2% | South Plainfield Borough School District / 23,090 |
| 167. | 36.2% | Upper Saddle River Borough School District / 8,085 |
| 168. | 36.1% | Northern Highlands Regional School District / 14,574 |
| 169. | 36.1% | Allendale Borough School District / 6,489 |
| 170. | 36.1% | Ventnor City City School District / 11,151 |
| 171. | 36.0% | East Windsor Regional School District / 32,292 |
| 172. | 36.0% | Avon-by-the-Sea Borough School District / 2,097 |
| 173. | 35.9% | Clark Township School District / 14,599 |
| 174. | 35.9% | Clearview Regional School District / 27,049 |
| 175. | 35.8% | Montclair Town School District / 37,639 |
| 176. | 35.8% | Black Horse Pike Regional School District / 84,586 |
| 177. | 35.8% | Secaucus Town School District / 16,008 |
| 177. | 35.8% | West Long Branch Borough School District / 8,115 |
| 179. | 35.7% | Waterford Township School District / 10,670 |
| 179. | 35.7% | Vineland City School District / 59,908 |
| 181. | 35.7% | Hillsborough Township School District / 38,461 |
| 182. | 35.7% | Kenilworth Borough School District / 7,810 |
| 183. | 35.6% | Lake Como Borough School District / 1,813 |
| 184. | 35.6% | Andover Regional School District / 7,165 |
| 185. | 35.5% | Logan Township School District / 6,100 |
| 186. | 35.5% | Colts Neck Township School District / 10,173 |
| 187. | 35.5% | Stafford Township School District / 26,029 |
| 188. | 35.4% | North Brunswick Township School District / 39,920 |
| 189. | 35.3% | Fairfield Township School District / 7,369 |
| 189. | 35.3% | Brielle Borough School District / 4,795 |
| 191. | 35.3% | Somerville Borough School District / 12,188 |
| 191. | 35.3% | Franklin Township School District / 60,354 |
| 193. | 35.2% | Bergenfield Borough School District / 26,517 |
| 194. | 35.2% | Oldmans Township School District / 2,010 |
| 195. | 35.1% | Robbinsville Township School District / 13,016 |
| 196. | 35.1% | Plainfield City School District / 49,043 |
| 197. | 34.8% | Oceanport Borough School District / 7,190 |
| 198. | 34.8% | Jackson Township School District / 53,115 |
| 199. | 34.8% | Perth Amboy City School District / 50,182 |
| 200. | 34.7% | Little Egg Harbor Township School District / 19,480 |
| 200. | 34.7% | Readington Township School District / 16,235 |
| 202. | 34.6% | Corbin City School District / 638 |
| 203. | 34.6% | Piscataway Township School District / 55,000 |
| 204. | 34.6% | Cumberland Regional School District / 24,551 |
| 204. | 34.6% | Shore Regional School District / 18,656 |
| 206. | 34.5% | Lower Cape May Regional School District / 27,368 |
| 207. | 34.5% | Ewing Township School District / 35,843 |
| 208. | 34.4% | Passaic Valley Regional School District / 36,079 |
| 208. | 34.4% | Upper Deerfield Township School District / 7,638 |
| 210. | 34.4% | Hackettstown Town School District / 9,704 |
| 211. | 34.4% | Saddle Brook Township School District / 13,487 |
| 212. | 34.3% | Riverton Borough School District / 2,806 |
| 213. | 34.3% | Gloucester Township School District / 64,487 |
| 213. | 34.3% | Bridgewater-Raritan Regional School District / 51,048 |
| 213. | 34.3% | South Harrison Township School District / 3,058 |
| 216. | 34.3% | Rumson Borough School District / 7,140 |
| 217. | 34.3% | Rancocas Valley Regional School District / 42,667 |
| 218. | 34.2% | Southampton Township School District / 10,547 |
| 219. | 34.2% | Carlstadt Borough School District / 6,060 |
| 220. | 34.2% | Berlin Borough School District / 7,357 |
| 221. | 34.2% | Bound Brook Borough School District / 10,399 |
| 222. | 34.2% | Lower Township School District / 22,735 |
| 223. | 34.1% | Fairfield Township School District / 6,354 |
| 224. | 34.1% | Pennsauken Township School District / 35,929 |
| 225. | 34.1% | Washington Township School District / 18,422 |
| 226. | 34.0% | Swedesboro-Woolwich School District / 11,513 |
| 227. | 33.9% | Flemington-Raritan Regional School District / 26,533 |
| 228. | 33.9% | Ocean Township School District / 27,517 |
| 229. | 33.9% | Lebanon Township School District / 6,514 |
| 230. | 33.9% | Riverdale Borough School District / 3,372 |
| 231. | 33.9% | Franklin Township School District / 3,143 |
| 231. | 33.9% | Middletown Township School District / 66,709 |
| 233. | 33.8% | Park Ridge Borough School District / 8,615 |
| 234. | 33.8% | Demarest Borough School District / 4,850 |
| 235. | 33.7% | Ramapo-Indian Hill Regional School District / 39,722 |
| 236. | 33.7% | Stow Creek Township School District / 1,428 |
| 236. | 33.7% | Point Pleasant Borough School District / 18,704 |
| 238. | 33.7% | Lambertville City School District / 3,932 |
| 239. | 33.6% | West Deptford Township School District / 21,446 |
| 240. | 33.6% | New Hanover Township School District / 5,406 |
| 241. | 33.6% | River Dell Regional School District / 19,135 |
| 242. | 33.6% | Toms River Regional School District / 108,546 |
| 243. | 33.6% | Lebanon Borough School District / 1,260 |
| 243. | 33.6% | Belmar Borough School District / 5,844 |
| 245. | 33.5% | Hampton Township School District / 5,189 |
| 246. | 33.5% | Rumson-Fair Haven Regional School District / 13,239 |
| 247. | 33.5% | Pascack Valley Regional School District / 33,073 |
| 248. | 33.5% | Bernards Township School District / 26,310 |
| 249. | 33.4% | Lindenwold Borough School District / 17,601 |
| 250. | 33.3% | Washington Borough School District / 6,591 |
| 250. | 33.3% | Port Republic City School District / 1,102 |
| 250. | 33.3% | Farmingdale Borough School District / 1,339 |
| 253. | 33.3% | West Morris Regional School District / 38,459 |
| 254. | 33.3% | Name N/A / 2,155,166 |
| 255. | 33.3% | West Milford Township School District / 25,754 |
| 256. | 33.2% | Hanover Park Regional School District / 36,348 |
| 257. | 33.2% | Lawrence Township School District / 32,762 |
| 258. | 33.2% | Hunterdon Central Regional School District / 51,482 |
| 258. | 33.2% | Northern Valley Regional School District / 37,140 |
| 260. | 33.2% | The Chathams School District / 19,318 |
| 261. | 33.2% | Lakeland Regional School District / 23,055 |
| 262. | 33.2% | Greater Egg Harbor Regional School District / 72,698 |
| 263. | 33.1% | Margate City School District / 6,763 |
| 264. | 33.1% | North Arlington Borough School District / 15,271 |
| 265. | 33.1% | Mount Laurel Township School District / 41,924 |
| 266. | 33.0% | Ramsey Borough School District / 14,376 |
| 267. | 32.9% | Sterling High School Dist School District / 16,649 |
| 268. | 32.9% | Mantua Township School District / 15,183 |
| 268. | 32.9% | Hammonton Town School District / 14,655 |
| 270. | 32.9% | Estell Manor City School District / 1,650 |
| 271. | 32.9% | North Hunterdon-Voorhees Regional School District / 51,435 |
| 272. | 32.9% | Sandyston-Walpack Township School District / 2,057 |
| 273. | 32.8% | Midland Park Borough School District / 7,049 |
| 274. | 32.8% | Holmdel Township School District / 16,599 |
| 275. | 32.8% | Roseland Borough School District / 5,686 |
| 276. | 32.8% | Paramus Borough School District / 26,084 |
| 277. | 32.8% | Parsippany-Troy Hills Township School District / 52,854 |
| 278. | 32.7% | Linden City School District / 39,967 |
| 278. | 32.7% | Woodland Park Borough School District / 11,609 |
| 280. | 32.6% | South Orange-Maplewood School District / 39,953 |
| 281. | 32.6% | Henry Hudson Regional School District / 9,505 |
| 282. | 32.6% | Scotch Plains-Fanwood Regional School District / 30,399 |
| 283. | 32.6% | North Haledon Borough School District / 8,186 |
| 284. | 32.6% | Winslow Township School District / 38,569 |
| 285. | 32.5% | Shamong Township School District / 6,558 |
| 285. | 32.5% | Garwood Borough School District / 4,175 |
| 287. | 32.5% | Dover Town School District / 19,964 |
| 288. | 32.4% | Woodlynne Borough School District / 2,949 |
| 289. | 32.4% | Alpha Borough School District / 2,490 |
| 290. | 32.4% | Dennis Township School District / 6,449 |
| 290. | 32.4% | Allamuchy Township School District / 4,295 |
| 290. | 32.4% | Montague Township School District / 3,805 |
| 293. | 32.4% | Fair Haven Borough School District / 6,099 |
| 294. | 32.4% | Lodi Borough School District / 23,970 |
| 295. | 32.4% | Bayonne City School District / 62,027 |
| 296. | 32.3% | Southern Regional School District / 34,128 |
| 296. | 32.3% | Bridgeton City School District / 25,042 |
| 298. | 32.3% | Montgomery Township School District / 22,014 |
| 299. | 32.3% | Harrison Town School District / 13,569 |
| 299. | 32.3% | Lenape Valley Regional School District / 15,340 |
| 299. | 32.3% | Cedar Grove Township School District / 12,312 |
| 302. | 32.3% | Milford Borough School District / 1,181 |
| 302. | 32.3% | Matawan-Aberdeen Regional School District / 26,892 |
| 304. | 32.3% | Woodstown-Pilesgrove Regional School District / 7,469 |
| 305. | 32.2% | Hopatcong Borough School District / 15,440 |
| 306. | 32.2% | Downe Township School District / 1,427 |
| 307. | 32.1% | Waldwick Borough School District / 9,580 |
| 308. | 32.1% | Stratford Borough School District / 7,088 |
| 309. | 32.1% | Hackensack City School District / 42,713 |
| 310. | 32.1% | Haddon Heights Borough School District / 7,500 |
| 311. | 32.1% | Central Regional School District / 49,172 |
| 312. | 32.0% | Barnegat Township School District / 20,073 |
| 313. | 32.0% | Monmouth Beach Borough School District / 3,351 |
| 314. | 32.0% | Moonachie Borough School District / 2,706 |
| 315. | 31.9% | Cinnaminson Township School District / 15,533 |
| 316. | 31.9% | Wyckoff Township School District / 16,574 |
| 317. | 31.9% | Little Ferry Borough School District / 10,602 |
| 318. | 31.9% | Monroe Township School District / 37,171 |
| 319. | 31.8% | Lakewood Township School District / 87,681 |
| 320. | 31.8% | Berkeley Township School District / 41,374 |
| 321. | 31.8% | Highland Park Borough School District / 13,990 |
| 322. | 31.8% | Manalapan-Englishtown Regional School District / 39,767 |
| 323. | 31.7% | Galloway Township School District / 36,547 |
| 324. | 31.7% | Bethlehem Township School District / 3,978 |
| 325. | 31.7% | Carteret Borough School District / 22,445 |
| 326. | 31.6% | Shrewsbury Borough School District / 3,771 |
| 327. | 31.6% | Roselle Borough School District / 20,955 |
| 328. | 31.6% | Woodbridge Township School District / 99,115 |
| 329. | 31.5% | Franklin Township School District / 16,744 |
| 330. | 31.5% | Moorestown Township School District / 20,577 |
| 331. | 31.5% | Weymouth Township School District / 2,666 |
| 332. | 31.5% | Clinton Town School District / 4,607 |
| 333. | 31.4% | Teaneck Township School District / 39,481 |
| 334. | 31.3% | Morris Township School District / 40,680 |
| 335. | 31.3% | Mahwah Township School District / 25,422 |
| 336. | 31.3% | Merchantville Borough School District / 3,835 |
| 337. | 31.3% | Red Bank Regional School District / 21,889 |
| 338. | 31.3% | Caldwell-West Caldwell School District / 18,517 |
| 339. | 31.2% | Edison Township School District / 99,557 |
| 339. | 31.2% | Brick Township School District / 75,905 |
| 341. | 31.2% | Freehold Regional School District / 188,819 |
| 341. | 31.2% | Lacey Township School District / 27,469 |
| 343. | 31.1% | Watchung Borough School District / 5,686 |
| 344. | 31.1% | Jersey City School District / 243,257 |
| 345. | 31.1% | Lawnside Borough School District / 2,898 |
| 346. | 31.0% | Montville Township School District / 21,468 |
| 347. | 31.0% | Middlesex Borough School District / 13,652 |
| 348. | 31.0% | Florham Park Borough School District / 11,494 |
| 349. | 30.9% | Wallington Borough School District / 11,328 |
| 350. | 30.9% | Freehold Township School District / 35,430 |
| 350. | 30.9% | Franklin Lakes Borough School District / 10,506 |
| 352. | 30.9% | Hillsdale Borough School District / 10,141 |
| 352. | 30.9% | Neptune Township School District / 27,925 |
| 354. | 30.9% | Cliffside Park Borough School District / 23,365 |
| 355. | 30.8% | Ocean Gate Borough School District / 1,607 |
| 356. | 30.8% | Barrington Borough School District / 7,021 |
| 357. | 30.8% | Verona Borough School District / 13,297 |
| 358. | 30.8% | Gloucester City School District / 11,479 |
| 358. | 30.8% | Cherry Hill Township School District / 70,963 |
| 360. | 30.8% | Monroe Township School District / 35,195 |
| 361. | 30.7% | Marlboro Township School District / 39,424 |
| 362. | 30.7% | Warren Hills Regional School District / 24,286 |
| 363. | 30.7% | River Vale Township School District / 9,575 |
| 364. | 30.7% | Haddonfield Borough School District / 11,612 |
| 365. | 30.7% | Cape May Point Borough School District / 128 |
| 366. | 30.6% | Palmyra Borough School District / 7,416 |
| 367. | 30.6% | Belleville Town School District / 35,748 |
| 368. | 30.6% | Wayne Township School District / 54,337 |
| 369. | 30.6% | Audubon Borough School District / 9,947 |
| 370. | 30.5% | South Brunswick Township School District / 42,385 |
| 371. | 30.5% | Nutley Town School District / 28,020 |
| 372. | 30.5% | River Edge Borough School District / 11,199 |
| 373. | 30.3% | Upper Pittsgrove Township School District / 3,515 |
| 374. | 30.3% | Manchester Township School District / 42,661 |
| 375. | 30.3% | Paterson City School District / 145,836 |
| 376. | 30.2% | Madison Borough School District / 15,846 |
| 377. | 30.1% | Island Heights Borough School District / 1,386 |
| 377. | 30.1% | Millburn Township School District / 19,958 |
| 379. | 30.1% | Great Meadows Regional School District / 8,679 |
| 380. | 30.0% | Netcong Borough School District / 3,247 |
| 381. | 29.9% | Dunellen Borough School District / 7,143 |
| 382. | 29.9% | Carlstadt-East Rutherford School District / 14,889 |
| 383. | 29.8% | Jamesburg Borough School District / 5,882 |
| 384. | 29.8% | Mountainside Borough School District / 6,616 |
| 385. | 29.8% | Spring Lake Heights Borough School District / 4,810 |
| 386. | 29.7% | Mainland Regional School District / 26,773 |
| 387. | 29.7% | West Orange Town School District / 45,742 |
| 388. | 29.7% | Collingswood Borough School District / 14,024 |
| 389. | 29.7% | Allenhurst Borough School District / 492 |
| 390. | 29.6% | Chester Township School District / 9,190 |
| 390. | 29.6% | North Warren Regional School District / 12,879 |
| 392. | 29.6% | Pequannock Township School District / 15,245 |
| 393. | 29.6% | South River Borough School District / 15,862 |
| 394. | 29.5% | Livingston Township School District / 28,810 |
| 395. | 29.5% | Alloway Township School District / 3,356 |
| 396. | 29.4% | Kearny Town School District / 40,208 |
| 397. | 29.4% | New Providence Borough School District / 12,018 |
| 398. | 29.4% | Deptford Township School District / 30,177 |
| 399. | 29.3% | Hardyston Township School District / 7,927 |
| 400. | 29.3% | Tinton Falls Borough School District / 18,627 |
| 401. | 29.3% | Hopewell Valley Regional School District / 21,734 |
| 402. | 29.3% | Westfield Town School District / 29,950 |
| 403. | 29.3% | Byram Township School District / 8,446 |
| 403. | 29.3% | Union Township School District / 55,734 |
| 405. | 29.2% | Riverside Township School District / 8,125 |
| 406. | 29.2% | Salem City School District / 5,289 |
| 407. | 29.2% | Princeton Regional School District / 28,922 |
| 408. | 29.1% | Sea Girt Borough School District / 1,951 |
| 409. | 29.1% | Hamilton Township School District / 25,643 |
| 410. | 29.1% | Passaic County Manchester Regional School District / 22,264 |
| 411. | 29.1% | Bloomfield Township School District / 47,102 |
| 412. | 29.0% | Elizabeth City School District / 123,176 |
| 413. | 29.0% | Dumont Borough School District / 17,386 |
| 414. | 28.8% | Branchburg Township School District / 14,483 |
| 415. | 28.8% | West Windsor-Plainsboro Regional School District / 48,781 |
| 416. | 28.7% | Irvington Township School District / 54,833 |
| 417. | 28.7% | North Wildwood City School District / 4,175 |
| 418. | 28.7% | Bedminster Township School District / 8,201 |
| 419. | 28.7% | Bass River Township School District / 1,465 |
| 420. | 28.6% | Spotswood Borough School District / 10,299 |
| 421. | 28.6% | Little Falls Township School District / 13,876 |
| 422. | 28.6% | Howell Township School District / 50,776 |
| 423. | 28.5% | Ridgefield Park Township School District / 12,690 |
| 424. | 28.5% | Vernon Township School District / 24,376 |
| 425. | 28.5% | Pine Hill Borough School District / 10,354 |
| 426. | 28.5% | Fort Lee Borough School District / 35,161 |
| 427. | 28.4% | Delsea Regional High School School District / 20,891 |
| 428. | 28.4% | Deal Borough School District / 1,034 |
| 429. | 28.4% | Upper Freehold Regional School District / 8,263 |
| 430. | 28.3% | Long Branch City School District / 30,855 |
| 430. | 28.3% | Clifton City School District / 82,776 |
| 432. | 28.2% | Newark City School District / 274,674 |
| 433. | 28.2% | Orange City Township School District / 30,389 |
| 434. | 28.1% | Morris Plains Borough School District / 5,558 |
| 435. | 28.0% | Middle Township School District / 18,374 |
| 436. | 28.0% | Hazlet Township School District / 20,540 |
| 437. | 27.8% | Rutherford Borough School District / 17,970 |
| 438. | 27.8% | Magnolia Borough School District / 4,364 |
| 439. | 27.8% | South Hunterdon Regional School District / 8,075 |
| 440. | 27.6% | Ocean City School District / 12,289 |
| 441. | 27.5% | Westwood Regional School District / 19,889 |
| 441. | 27.5% | Passaic City School District / 68,982 |
| 443. | 27.5% | Lyndhurst Township School District / 20,242 |
| 444. | 27.5% | Somers Point City School District / 11,038 |
| 445. | 27.4% | Wenonah Borough School District / 2,212 |
| 445. | 27.4% | Clinton Township School District / 13,519 |
| 447. | 27.4% | Cranbury Township School District / 3,753 |
| 448. | 27.3% | Green Brook Township School District / 7,125 |
| 449. | 27.3% | Long Beach Island School District / 6,695 |
| 449. | 27.3% | Franklin Borough School District / 5,116 |
| 451. | 27.2% | Maurice River Township School District / 8,006 |
| 452. | 27.2% | Greenwich Township School District / 5,548 |
| 453. | 27.1% | Blairstown Township School District / 7,595 |
| 454. | 27.1% | Edgewater Borough School District / 10,766 |
| 454. | 27.1% | Prospect Park Borough School District / 5,833 |
| 454. | 27.1% | Somerset Hills Regional School District / 11,062 |
| 457. | 27.1% | Knowlton Township School District / 3,086 |
| 458. | 27.0% | Keyport Borough School District / 7,312 |
| 459. | 27.0% | Monmouth Regional School District / 31,566 |
| 459. | 27.0% | Mine Hill Township School District / 3,663 |
| 461. | 26.9% | Englewood Cliffs Borough School District / 5,266 |
| 462. | 26.9% | Holland Township School District / 5,311 |
| 463. | 26.9% | Garfield City School District / 30,190 |
| 464. | 26.7% | Upper Township School District / 12,257 |
| 465. | 26.7% | Closter Borough School District / 8,318 |
| 466. | 26.6% | Mendham Borough School District / 5,022 |
| 467. | 26.6% | Westampton Township School District / 8,594 |
| 468. | 26.5% | Wallkill Valley Regional School District / 18,694 |
| 469. | 26.5% | Woodbine Borough School District / 2,461 |
| 470. | 26.5% | Maywood Borough School District / 9,503 |
| 471. | 26.5% | Berkeley Heights Township School District / 13,133 |
| 472. | 26.5% | East Rutherford Borough School District / 8,829 |
| 473. | 26.4% | East Hanover Township School District / 11,232 |
| 474. | 26.4% | New Milford Borough School District / 16,260 |
| 475. | 26.2% | North Plainfield Borough School District / 21,932 |
| 476. | 26.1% | Delaware Township School District / 4,603 |
| 477. | 26.0% | Franklin Township School District / 3,193 |
| 478. | 25.9% | Maple Shade Township School District / 19,270 |
| 479. | 25.8% | Milltown Borough School District / 6,895 |
| 480. | 25.7% | Camden City School District / 78,047 |
| 481. | 25.7% | Harding Township School District / 3,758 |
| 482. | 25.6% | Elmwood Park Borough School District / 19,214 |
| 483. | 25.5% | Bay Head Borough School District / 1,159 |
| 484. | 25.5% | Leonia Borough School District / 8,890 |
| 485. | 25.5% | Lavallette Borough School District / 2,154 |
| 486. | 25.5% | Rockaway Township School District / 24,020 |
| 487. | 25.4% | South Amboy City School District / 8,502 |
| 488. | 25.4% | Roselle Park Borough School District / 13,179 |
| 489. | 25.4% | Beach Haven Borough School District / 1,404 |
| 490. | 25.1% | North Bergen Township School District / 59,560 |
| 491. | 25.0% | West New York Town School District / 48,401 |
| 492. | 25.0% | Palisades Park Borough School District / 19,065 |
| 493. | 24.9% | Deerfield Township School District / 3,086 |
| 493. | 24.9% | Atlantic City School District / 40,081 |
| 495. | 24.9% | Rahway City School District / 26,968 |
| 496. | 24.8% | Wanaque Borough School District / 10,891 |
| 497. | 24.7% | Bogota Borough School District / 8,158 |
| 498. | 24.7% | Califon Borough School District / 1,283 |
| 499. | 24.6% | Ridgewood Village School District / 24,827 |
| 500. | 24.5% | Union Beach Borough School District / 6,324 |
| 501. | 24.2% | South Hackensack Township School District / 2,260 |
| 502. | 24.2% | Montvale Borough School District / 7,663 |
| 503. | 24.2% | Union City School District / 65,766 |
| 504. | 24.2% | Hoboken City School District / 47,384 |
| 505. | 24.1% | Denville Township School District / 16,535 |
| 506. | 24.1% | Manasquan Borough School District / 5,975 |
| 507. | 23.9% | Hawthorne Borough School District / 18,574 |
| 508. | 23.7% | Red Bank Borough School District / 12,131 |
| 509. | 23.7% | Oaklyn Borough School District / 4,070 |
| 510. | 23.6% | Summit City School District / 21,217 |
| 511. | 23.4% | Plumsted Township School District / 8,283 |
| 512. | 23.4% | Commercial Township School District / 5,196 |
| 513. | 23.4% | Lower Alloways Creek Township School District / 1,980 |
| 514. | 23.3% | Ogdensburg Borough School District / 2,371 |
| 515. | 23.3% | Morris Hills Regional School District / 53,509 |
| 516. | 23.2% | Guttenberg Town School District / 10,960 |
| 517. | 23.1% | Pompton Lakes Borough School District / 10,966 |
| 518. | 22.9% | Phillipsburg Town School District / 15,197 |
| 519. | 22.8% | Greenwich Township School District / 878 |
| 519. | 22.8% | Cresskill Borough School District / 8,380 |
| 521. | 22.7% | Tenafly Borough School District / 14,276 |
| 522. | 22.7% | Eatontown Borough School District / 12,939 |
| 523. | 22.6% | Ho-Ho-Kus Borough School District / 4,056 |
| 524. | 22.5% | Linwood City School District / 7,176 |
| 525. | 22.5% | Neptune City School District / 4,916 |
| 526. | 22.4% | Alpine Borough School District / 1,926 |
| 527. | 22.4% | Haledon Borough School District / 8,245 |
| 528. | 22.4% | Atlantic Highlands Borough School District / 4,442 |
| 529. | 22.3% | Avalon Borough School District / 1,914 |
| 530. | 22.2% | Pitman Borough School District / 9,154 |
| 531. | 22.2% | Washington Township School District / 6,663 |
| 532. | 22.1% | West Amwell Township School District / 3,607 |
| 533. | 22.0% | Englewood City School District / 26,828 |
| 534. | 21.9% | Harrington Park Borough School District / 4,655 |
| 535. | 21.7% | West Cape May Borough School District / 946 |
| 536. | 21.4% | Asbury Park City School District / 16,275 |
| 537. | 21.2% | Hampton Borough School District / 1,367 |
| 538. | 20.9% | Ridgefield Borough School District / 10,939 |
| 539. | 20.6% | East Orange City School District / 64,927 |
| 540. | 19.8% | Hillside Township School District / 21,275 |
| 541. | 19.8% | Newton Town School District / 8,121 |
| 542. | 19.8% | Chesterfield Township School District / 7,412 |
| 543. | 19.8% | Haworth Borough School District / 3,374 |
| 544. | 19.6% | Manville Borough School District / 10,364 |
| 545. | 19.3% | Seaside Park Borough School District / 1,838 |
| 546. | 19.2% | Boonton Township School District / 4,269 |
| 547. | 19.2% | Roosevelt Borough School District / 712 |
| 548. | 18.7% | Eastampton Township School District / 6,158 |
| 549. | 18.5% | Elk Township School District / 4,147 |
| 550. | 18.1% | Hamburg Borough School District / 3,280 |
| 551. | 17.4% | Rochelle Park Township School District / 5,497 |
| 552. | 17.2% | Winfield Township School District / 1,440 |
| 553. | 16.1% | Longport Borough School District / 1,039 |
| 554. | 15.7% | Chesilhurst Borough School District / 1,565 |
| 555. | 15.3% | Rockaway Borough School District / 6,458 |
| 556. | 15.2% | Green Township School District / 3,568 |
| 557. | 14.7% | Wharton Borough School District / 6,496 |
| 558. | 13.6% | Hi-Nella Borough School District / 935 |
| 559. | 13.4% | Mount Arlington Borough School District / 4,992 |
| 560. | 13.3% | Rockleigh Borough School District / 519 |
| 561. | 11.7% | South Bound Brook Borough School District / 4,566 |
Please note that we only rank locations with 'Percentage of Houses without a Mortgage where Total Holding Costs 10-20% 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 10-20% 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.
