| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 44.8% | Orange City Township School District / 30,478 |
| 2. | 39.2% | East Rutherford Borough School District / 9,298 |
| 3. | 38.8% | Cliffside Park Borough School District / 24,532 |
| 4. | 36.7% | Union City School District / 68,001 |
| 5. | 36.3% | Washington Township School District / 6,547 |
| 6. | 36.2% | Hawthorne Borough School District / 18,944 |
| 7. | 35.1% | South Hackensack Township School District / 2,652 |
| 8. | 34.9% | Mount Ephraim Borough School District / 4,669 |
| 8. | 34.9% | Bloomingdale Borough School District / 7,808 |
| 10. | 33.5% | Palisades Park Borough School District / 20,066 |
| 11. | 33.4% | North Bergen Township School District / 62,114 |
| 12. | 33.3% | New Milford Borough School District / 16,524 |
| 13. | 33.2% | Riverton Borough School District / 2,766 |
| 14. | 32.1% | Haledon Borough School District / 8,397 |
| 15. | 31.7% | Avalon Borough School District / 1,852 |
| 16. | 31.4% | Lodi Borough School District / 24,428 |
| 17. | 31.4% | Belmar Borough School District / 5,760 |
| 18. | 31.2% | Fairfield Township School District / 7,475 |
| 19. | 31.0% | Harrison Town School District / 14,436 |
| 20. | 30.9% | Lake Como Borough School District / 1,647 |
| 21. | 30.7% | Hamburg Borough School District / 3,225 |
| 22. | 30.6% | Ocean Gate Borough School District / 2,072 |
| 22. | 30.6% | Perth Amboy City School District / 51,727 |
| 24. | 30.5% | Hasbrouck Heights Borough School District / 12,045 |
| 25. | 30.1% | Rumson Borough School District / 7,045 |
| 26. | 29.7% | Union Beach Borough School District / 6,040 |
| 26. | 29.7% | Lawnside Borough School District / 2,919 |
| 28. | 29.3% | North Wildwood City School District / 3,995 |
| 29. | 29.2% | Harrington Park Borough School District / 4,736 |
| 30. | 29.0% | Ridgefield Borough School District / 11,191 |
| 31. | 28.9% | Great Meadows Regional School District / 8,492 |
| 32. | 28.7% | Elizabeth City School District / 126,964 |
| 33. | 28.7% | Rumson-Fair Haven Regional School District / 13,138 |
| 34. | 28.6% | Verona Borough School District / 13,508 |
| 35. | 28.6% | Bloomsbury Borough School District / 769 |
| 36. | 28.4% | Chesilhurst Borough School District / 1,675 |
| 37. | 28.4% | Carlstadt-East Rutherford School District / 15,487 |
| 38. | 28.3% | Buena Regional School District / 12,210 |
| 39. | 28.2% | Elmwood Park Borough School District / 19,921 |
| 40. | 28.1% | Bloomfield Township School District / 47,616 |
| 41. | 28.0% | Kenilworth Borough School District / 8,045 |
| 42. | 28.0% | Northvale Borough School District / 4,725 |
| 43. | 27.7% | Englewood Cliffs Borough School District / 5,346 |
| 44. | 27.6% | Oldmans Township School District / 1,917 |
| 45. | 27.5% | Montvale Borough School District / 8,000 |
| 46. | 27.3% | Bogota Borough School District / 8,277 |
| 47. | 27.3% | Delaware Township School District / 4,536 |
| 48. | 27.1% | Spotswood Borough School District / 10,749 |
| 49. | 27.1% | Paterson City School District / 146,341 |
| 50. | 27.1% | Brigantine City School District / 9,420 |
| 51. | 27.0% | Pine Hill Borough School District / 10,383 |
| 52. | 27.0% | Irvington Township School District / 54,268 |
| 53. | 26.9% | Plumsted Township School District / 8,490 |
| 54. | 26.9% | Clifton City School District / 85,138 |
| 55. | 26.6% | Kinnelon Borough School District / 10,349 |
| 56. | 26.6% | Linden City School District / 41,054 |
| 57. | 26.4% | Fair Haven Borough School District / 6,093 |
| 58. | 26.4% | Leonia Borough School District / 9,051 |
| 59. | 26.3% | Stratford Borough School District / 6,997 |
| 60. | 26.3% | Barrington Borough School District / 6,904 |
| 61. | 26.3% | Collingswood Borough School District / 13,929 |
| 62. | 26.2% | Newton Town School District / 7,999 |
| 63. | 26.1% | East Newark Borough School District / 2,551 |
| 64. | 26.1% | Roselle Borough School District / 21,348 |
| 65. | 26.0% | Belvidere Town School District / 2,647 |
| 65. | 26.0% | Nutley Town School District / 28,551 |
| 67. | 26.0% | Oradell Borough School District / 8,080 |
| 68. | 25.9% | Ventnor City City School District / 10,632 |
| 69. | 25.9% | Gloucester City School District / 11,392 |
| 70. | 25.8% | Corbin City School District / 596 |
| 71. | 25.7% | East Orange City School District / 64,538 |
| 72. | 25.7% | Red Bank Borough School District / 12,250 |
| 73. | 25.7% | Englewood City School District / 27,435 |
| 74. | 25.7% | Ridgefield Park Township School District / 12,875 |
| 75. | 25.5% | Bayonne City School District / 64,763 |
| 76. | 25.4% | Garfield City School District / 30,996 |
| 77. | 25.3% | Avon-by-the-Sea Borough School District / 1,810 |
| 78. | 25.2% | Jersey City School District / 255,861 |
| 79. | 25.2% | Green Brook Township School District / 7,183 |
| 80. | 25.1% | Fairview Borough School District / 14,126 |
| 81. | 25.1% | Atlantic City School District / 39,521 |
| 82. | 25.0% | Freehold Borough School District / 12,018 |
| 82. | 25.0% | Wallington Borough School District / 11,487 |
| 84. | 25.0% | Neptune Township School District / 27,880 |
| 85. | 24.8% | Norwood Borough School District / 5,769 |
| 86. | 24.5% | Waldwick Borough School District / 9,808 |
| 87. | 24.5% | National Park Borough School District / 3,018 |
| 88. | 24.4% | Old Tappan Borough School District / 5,835 |
| 89. | 24.3% | River Dell Regional School District / 19,563 |
| 90. | 24.2% | Lopatcong Township School District / 8,027 |
| 91. | 24.2% | Eagleswood Township School District / 1,551 |
| 92. | 24.1% | Runnemede Borough School District / 8,435 |
| 93. | 24.0% | Passaic City School District / 70,651 |
| 94. | 24.0% | Camden City School District / 77,294 |
| 95. | 23.8% | Maywood Borough School District / 9,651 |
| 96. | 23.7% | Bergenfield Borough School District / 27,157 |
| 97. | 23.7% | Mountainside Borough School District / 6,765 |
| 98. | 23.7% | Bridgeton City School District / 25,252 |
| 99. | 23.6% | Wildwood City School District / 5,255 |
| 99. | 23.6% | Flemington-Raritan Regional School District / 26,794 |
| 101. | 23.6% | Deal Borough School District / 769 |
| 102. | 23.4% | Oxford Township School District / 2,438 |
| 103. | 23.4% | Long Beach Island School District / 6,284 |
| 104. | 23.4% | Oaklyn Borough School District / 4,022 |
| 105. | 23.3% | South Amboy City School District / 8,749 |
| 106. | 23.3% | Newark City School District / 278,750 |
| 107. | 23.2% | Montclair Town School District / 37,934 |
| 108. | 23.2% | Woodland Park Borough School District / 12,129 |
| 109. | 23.2% | Caldwell-West Caldwell School District / 18,767 |
| 110. | 23.1% | Upper Township School District / 12,231 |
| 111. | 23.0% | West Wildwood Borough School District / 522 |
| 112. | 23.0% | Bound Brook Borough School District / 10,607 |
| 113. | 22.9% | Kearny Town School District / 41,538 |
| 113. | 22.9% | Plainfield City School District / 50,423 |
| 113. | 22.9% | West Long Branch Borough School District / 8,391 |
| 116. | 22.9% | Midland Park Borough School District / 7,229 |
| 117. | 22.9% | New Providence Borough School District / 12,314 |
| 118. | 22.8% | River Edge Borough School District / 11,483 |
| 119. | 22.8% | Northern Valley Regional School District / 37,932 |
| 120. | 22.8% | West Orange Town School District / 46,703 |
| 121. | 22.8% | Beach Haven Borough School District / 1,048 |
| 122. | 22.7% | Fair Lawn Borough School District / 32,962 |
| 123. | 22.7% | Margate City School District / 6,343 |
| 123. | 22.7% | Ho-Ho-Kus Borough School District / 4,125 |
| 125. | 22.6% | Weehawken Township School District / 13,113 |
| 126. | 22.6% | Greenwich Township School District / 953 |
| 127. | 22.6% | Magnolia Borough School District / 4,329 |
| 128. | 22.5% | Cinnaminson Township School District / 16,296 |
| 129. | 22.5% | Hillside Township School District / 21,676 |
| 130. | 22.4% | West New York Town School District / 51,511 |
| 131. | 22.4% | Sterling High School Dist School District / 16,572 |
| 132. | 22.4% | Rahway City School District / 27,994 |
| 133. | 22.4% | Watchung Borough School District / 5,855 |
| 134. | 22.3% | Somerville Borough School District / 12,175 |
| 135. | 22.3% | Sea Girt Borough School District / 1,844 |
| 136. | 22.3% | Mendham Borough School District / 5,008 |
| 137. | 22.2% | Westwood Regional School District / 20,276 |
| 138. | 22.2% | Little Ferry Borough School District / 10,773 |
| 139. | 22.2% | Absecon City School District / 8,400 |
| 140. | 22.1% | Logan Township School District / 6,000 |
| 141. | 22.1% | New Brunswick City School District / 55,804 |
| 142. | 22.1% | Commercial Township School District / 5,166 |
| 143. | 21.9% | Middlesex Borough School District / 13,766 |
| 144. | 21.9% | Clementon Borough School District / 4,972 |
| 145. | 21.9% | Union Township School District / 5,837 |
| 146. | 21.8% | Cresskill Borough School District / 8,669 |
| 147. | 21.7% | Haddon Township School District / 14,611 |
| 148. | 21.7% | Manville Borough School District / 10,426 |
| 148. | 21.7% | Woodbury Heights Borough School District / 3,028 |
| 150. | 21.7% | Monroe Township School District / 40,961 |
| 150. | 21.7% | Beverly City School District / 2,573 |
| 150. | 21.7% | Hopatcong Borough School District / 14,921 |
| 153. | 21.7% | Alloway Township School District / 3,444 |
| 154. | 21.7% | Hackensack City School District / 43,903 |
| 155. | 21.7% | Garwood Borough School District / 4,323 |
| 156. | 21.6% | Stone Harbor Borough School District / 775 |
| 157. | 21.6% | South Orange-Maplewood School District / 40,523 |
| 158. | 21.6% | Eatontown Borough School District / 12,323 |
| 159. | 21.5% | Fort Lee Borough School District / 36,048 |
| 160. | 21.5% | Elk Township School District / 4,243 |
| 161. | 21.5% | Wood-Ridge Borough School District / 8,249 |
| 162. | 21.4% | Mahwah Township School District / 26,242 |
| 163. | 21.3% | Ocean Township School District / 27,439 |
| 164. | 21.3% | Rochelle Park Township School District / 5,644 |
| 165. | 21.2% | Union Township School District / 57,285 |
| 166. | 21.2% | Belleville Town School District / 36,201 |
| 167. | 21.1% | Howell Township School District / 51,389 |
| 168. | 20.9% | North Arlington Borough School District / 15,587 |
| 169. | 20.9% | Mine Hill Township School District / 3,664 |
| 170. | 20.9% | Burlington City School District / 9,865 |
| 171. | 20.8% | Rutherford Borough School District / 18,297 |
| 172. | 20.7% | Pleasantville City School District / 20,436 |
| 172. | 20.7% | Montgomery Township School District / 23,083 |
| 174. | 20.7% | Warren Hills Regional School District / 23,742 |
| 175. | 20.7% | Southern Regional School District / 34,128 |
| 176. | 20.6% | Delanco Township School District / 4,544 |
| 177. | 20.5% | Rockaway Township School District / 24,353 |
| 178. | 20.5% | Mount Laurel Township School District / 41,813 |
| 178. | 20.5% | Bedminster Township School District / 8,221 |
| 180. | 20.4% | West Cape May Borough School District / 855 |
| 181. | 20.3% | Roseland Borough School District / 5,835 |
| 182. | 20.3% | Guttenberg Town School District / 11,397 |
| 183. | 20.3% | Red Bank Regional School District / 22,069 |
| 184. | 20.3% | Hazlet Township School District / 20,253 |
| 185. | 20.2% | Totowa Borough School District / 10,872 |
| 186. | 20.1% | Brick Township School District / 75,479 |
| 187. | 20.0% | East Greenwich Township School District / 10,018 |
| 187. | 20.0% | Hamilton Township School District / 26,684 |
| 189. | 20.0% | Shore Regional School District / 18,852 |
| 190. | 20.0% | Audubon Borough School District / 9,814 |
| 191. | 19.9% | Saddle Brook Township School District / 13,841 |
| 192. | 19.9% | Matawan-Aberdeen Regional School District / 26,975 |
| 193. | 19.9% | Egg Harbor Township School District / 43,699 |
| 194. | 19.9% | West Essex Regional School District / 21,857 |
| 195. | 19.8% | Berkeley Heights Township School District / 13,379 |
| 195. | 19.8% | Ogdensburg Borough School District / 2,348 |
| 197. | 19.7% | Point Pleasant Borough School District / 18,481 |
| 198. | 19.7% | Gloucester Township School District / 64,356 |
| 199. | 19.7% | Phillipsburg Town School District / 14,717 |
| 200. | 19.7% | Saddle River Borough School District / 3,176 |
| 201. | 19.6% | Pascack Valley Regional School District / 34,007 |
| 202. | 19.5% | Black Horse Pike Regional School District / 84,329 |
| 203. | 19.5% | Chesterfield Township School District / 7,725 |
| 204. | 19.5% | Fredon Township School District / 3,345 |
| 204. | 19.5% | Mullica Township School District / 6,154 |
| 204. | 19.5% | Passaic Valley Regional School District / 37,511 |
| 207. | 19.4% | Asbury Park City School District / 15,933 |
| 208. | 19.4% | Oceanport Borough School District / 7,183 |
| 209. | 19.4% | Frenchtown Borough School District / 1,486 |
| 210. | 19.4% | Gateway Regional School District / 12,424 |
| 211. | 19.4% | Passaic County Manchester Regional School District / 22,790 |
| 212. | 19.3% | Winslow Township School District / 39,207 |
| 213. | 19.3% | Hopewell Valley Regional School District / 22,790 |
| 214. | 19.3% | Alpine Borough School District / 1,710 |
| 215. | 19.2% | Stafford Township School District / 26,796 |
| 216. | 19.1% | Lakewood Township School District / 93,473 |
| 217. | 19.1% | Penns Grove-Carneys Point Regional School District / 13,085 |
| 218. | 19.1% | Delsea Regional High School School District / 20,997 |
| 218. | 19.1% | River Vale Township School District / 9,841 |
| 220. | 19.1% | Alpha Borough School District / 2,320 |
| 221. | 19.1% | Morris Plains Borough School District / 5,635 |
| 221. | 19.1% | Folsom Borough School District / 1,799 |
| 223. | 19.0% | Upper Saddle River Borough School District / 8,304 |
| 224. | 19.0% | Park Ridge Borough School District / 8,763 |
| 225. | 18.9% | Riverdale Borough School District / 3,906 |
| 226. | 18.9% | Lavallette Borough School District / 2,029 |
| 226. | 18.9% | Dumont Borough School District / 17,706 |
| 228. | 18.9% | Cape May City School District / 3,576 |
| 229. | 18.9% | Haddonfield Borough School District / 11,530 |
| 230. | 18.9% | Linwood City School District / 7,071 |
| 231. | 18.9% | Hainesport Township School District / 6,118 |
| 232. | 18.8% | Keansburg Borough School District / 10,011 |
| 233. | 18.8% | Salem City School District / 5,045 |
| 234. | 18.8% | Elmer Borough School District / 1,375 |
| 235. | 18.7% | South River Borough School District / 16,177 |
| 236. | 18.7% | Long Hill Township School District / 8,769 |
| 237. | 18.7% | Laurel Springs Borough School District / 1,910 |
| 238. | 18.7% | Butler Borough School District / 7,636 |
| 239. | 18.7% | Califon Borough School District / 1,245 |
| 240. | 18.6% | Monroe Township School District / 36,700 |
| 241. | 18.6% | Oakland Borough School District / 12,914 |
| 242. | 18.5% | Hunterdon Central Regional School District / 51,403 |
| 243. | 18.5% | Freehold Township School District / 35,995 |
| 244. | 18.4% | Sandyston-Walpack Township School District / 1,992 |
| 245. | 18.4% | Demarest Borough School District / 4,929 |
| 246. | 18.4% | White Township School District / 4,815 |
| 247. | 18.4% | Seaside Park Borough School District / 1,406 |
| 247. | 18.4% | Westfield Town School District / 30,647 |
| 249. | 18.3% | Franklin Township School District / 16,754 |
| 250. | 18.3% | Shrewsbury Borough School District / 3,899 |
| 250. | 18.3% | Moorestown Township School District / 20,686 |
| 252. | 18.3% | Stanhope Borough School District / 3,543 |
| 253. | 18.3% | Woodbridge Township School District / 100,344 |
| 254. | 18.2% | Lacey Township School District / 27,889 |
| 254. | 18.2% | Wyckoff Township School District / 16,877 |
| 254. | 18.2% | Northfield City School District / 8,616 |
| 257. | 18.2% | Lindenwold Borough School District / 17,512 |
| 258. | 18.2% | Woodstown-Pilesgrove Regional School District / 7,493 |
| 259. | 18.1% | Wayne Township School District / 55,003 |
| 260. | 18.1% | Farmingdale Borough School District / 1,396 |
| 261. | 18.0% | West Deptford Township School District / 21,537 |
| 262. | 18.0% | Cranford Township School District / 23,150 |
| 263. | 18.0% | Teaneck Township School District / 40,261 |
| 264. | 18.0% | Keyport Borough School District / 7,213 |
| 265. | 17.9% | Roselle Park Borough School District / 13,465 |
| 266. | 17.9% | West Milford Township School District / 26,492 |
| 266. | 17.9% | Bridgewater-Raritan Regional School District / 52,173 |
| 268. | 17.9% | Greater Egg Harbor Regional School District / 74,562 |
| 269. | 17.9% | Lyndhurst Township School District / 21,207 |
| 270. | 17.9% | Quinton Township School District / 2,655 |
| 271. | 17.8% | Wanaque Borough School District / 11,243 |
| 272. | 17.8% | Montville Township School District / 21,730 |
| 273. | 17.8% | Hopewell Township School District / 5,120 |
| 274. | 17.8% | Closter Borough School District / 8,519 |
| 275. | 17.7% | Point Pleasant Beach Borough School District / 5,020 |
| 276. | 17.7% | Wharton Borough School District / 6,586 |
| 277. | 17.6% | Franklin Township School District / 64,243 |
| 277. | 17.6% | Clark Township School District / 15,056 |
| 279. | 17.6% | Northern Highlands Regional School District / 14,970 |
| 280. | 17.6% | Fairfield Township School District / 6,504 |
| 281. | 17.6% | Maple Shade Township School District / 19,075 |
| 282. | 17.5% | Upper Freehold Regional School District / 8,726 |
| 283. | 17.5% | Morris Hills Regional School District / 54,233 |
| 283. | 17.5% | Tenafly Borough School District / 14,672 |
| 285. | 17.5% | Atlantic Highlands Borough School District / 4,357 |
| 285. | 17.5% | Spring Lake Heights Borough School District / 4,691 |
| 287. | 17.4% | Voorhees Township School District / 29,227 |
| 288. | 17.4% | Central Regional School District / 49,678 |
| 289. | 17.4% | Southampton Township School District / 10,420 |
| 290. | 17.3% | Morris Township School District / 41,129 |
| 291. | 17.3% | Berkeley Township School District / 41,591 |
| 292. | 17.2% | Chester Township School District / 9,481 |
| 293. | 17.1% | Pennsauken Township School District / 35,757 |
| 294. | 17.1% | Hammonton Town School District / 14,796 |
| 295. | 17.0% | Montague Township School District / 3,813 |
| 295. | 17.0% | Mainland Regional School District / 26,470 |
| 297. | 17.0% | Washington Township School District / 827 |
| 298. | 16.9% | Jackson Township School District / 55,716 |
| 298. | 16.9% | Franklin Township School District / 3,250 |
| 300. | 16.9% | Cherry Hill Township School District / 71,152 |
| 301. | 16.9% | Ocean Township School District / 8,539 |
| 302. | 16.9% | Netcong Borough School District / 3,248 |
| 303. | 16.9% | Name N/A / 1,653,105 |
| 304. | 16.9% | Toms River Regional School District / 108,752 |
| 305. | 16.8% | Watchung Hills Regional School District / 30,353 |
| 305. | 16.8% | Glen Rock Borough School District / 11,784 |
| 307. | 16.8% | Dover Town School District / 19,944 |
| 308. | 16.8% | Manchester Township School District / 43,222 |
| 309. | 16.8% | Hope Township School District / 1,861 |
| 310. | 16.7% | Greenwich Township School District / 4,874 |
| 311. | 16.7% | Middletown Township School District / 66,290 |
| 312. | 16.6% | Millstone Township School District / 10,509 |
| 313. | 16.6% | Florham Park Borough School District / 11,820 |
| 314. | 16.6% | Wallkill Valley Regional School District / 18,693 |
| 315. | 16.5% | Woodlynne Borough School District / 2,972 |
| 316. | 16.5% | Highland Park Borough School District / 14,224 |
| 316. | 16.5% | Springfield Township School District / 3,412 |
| 318. | 16.5% | Ramsey Borough School District / 14,650 |
| 318. | 16.5% | Freehold Regional School District / 192,915 |
| 320. | 16.4% | Edgewater Borough School District / 11,969 |
| 321. | 16.4% | Galloway Township School District / 37,471 |
| 321. | 16.4% | Boonton Town School District / 8,424 |
| 323. | 16.4% | Westville Borough School District / 4,263 |
| 324. | 16.4% | Riverside Township School District / 8,051 |
| 325. | 16.4% | Carteret Borough School District / 23,770 |
| 326. | 16.3% | Somerset Hills Regional School District / 11,447 |
| 327. | 16.3% | Franklin Borough School District / 4,994 |
| 327. | 16.3% | Mansfield Township School District / 7,614 |
| 329. | 16.3% | Haworth Borough School District / 3,419 |
| 329. | 16.3% | Medford Township School District / 23,215 |
| 331. | 16.3% | Knowlton Township School District / 3,026 |
| 332. | 16.3% | Island Heights Borough School District / 1,710 |
| 333. | 16.2% | Piscataway Township School District / 57,636 |
| 334. | 16.2% | Hillsdale Borough School District / 10,381 |
| 335. | 16.2% | Egg Harbor City School District / 4,253 |
| 335. | 16.2% | Roosevelt Borough School District / 744 |
| 337. | 16.1% | Pohatcong Township School District / 3,290 |
| 337. | 16.1% | Kingsway Regional School District / 26,801 |
| 339. | 16.1% | Bay Head Borough School District / 997 |
| 340. | 16.1% | Lenape Valley Regional School District / 15,011 |
| 341. | 16.1% | Holland Township School District / 5,243 |
| 342. | 16.0% | Sea Isle City School District / 1,824 |
| 343. | 16.0% | Manalapan-Englishtown Regional School District / 41,644 |
| 344. | 15.9% | Old Bridge Township School District / 66,272 |
| 345. | 15.9% | Scotch Plains-Fanwood Regional School District / 31,320 |
| 346. | 15.9% | Pompton Lakes Borough School District / 11,162 |
| 346. | 15.9% | Woodbury City School District / 10,098 |
| 348. | 15.9% | Monmouth Regional School District / 31,386 |
| 349. | 15.9% | Bellmawr Borough School District / 11,538 |
| 350. | 15.9% | Hampton Township School District / 5,106 |
| 351. | 15.9% | Vineland City School District / 60,985 |
| 351. | 15.9% | Sayreville Borough School District / 43,962 |
| 353. | 15.8% | Ocean City School District / 11,520 |
| 354. | 15.8% | North Plainfield Borough School District / 22,056 |
| 355. | 15.8% | Little Falls Township School District / 14,510 |
| 356. | 15.7% | Ridgewood Village School District / 25,270 |
| 357. | 15.7% | Somerdale Borough School District / 5,246 |
| 357. | 15.7% | Allendale Borough School District / 6,666 |
| 359. | 15.7% | Kittatinny Regional School District / 14,479 |
| 360. | 15.6% | Ramapo-Indian Hill Regional School District / 40,517 |
| 361. | 15.6% | Trenton City School District / 84,459 |
| 362. | 15.6% | Barnegat Township School District / 21,584 |
| 363. | 15.5% | Hamilton Township School District / 88,809 |
| 364. | 15.5% | Waterford Township School District / 10,683 |
| 365. | 15.5% | Lenape Regional School District / 140,085 |
| 366. | 15.5% | Eastern Camden County Regional School District / 39,138 |
| 367. | 15.5% | Milltown Borough School District / 6,974 |
| 368. | 15.5% | Lincoln Park Borough School District / 10,515 |
| 369. | 15.4% | Hi-Nella Borough School District / 817 |
| 370. | 15.3% | Wall Township School District / 26,091 |
| 371. | 15.3% | Prospect Park Borough School District / 5,915 |
| 371. | 15.3% | Cedar Grove Township School District / 12,499 |
| 373. | 15.3% | Woodcliff Lake Borough School District / 5,785 |
| 374. | 15.2% | Parsippany-Troy Hills Township School District / 53,583 |
| 375. | 15.2% | Lakeland Regional School District / 23,563 |
| 376. | 15.2% | Stockton Borough School District / 516 |
| 377. | 15.1% | Lumberton Township School District / 12,511 |
| 378. | 15.1% | North Hanover Township School District / 9,436 |
| 379. | 15.1% | East Brunswick Township School District / 48,003 |
| 380. | 15.1% | Millville City School District / 28,603 |
| 381. | 15.0% | Glassboro Borough School District / 18,798 |
| 382. | 15.0% | South Plainfield Borough School District / 23,686 |
| 382. | 15.0% | Lafayette Township School District / 2,423 |
| 384. | 15.0% | Edison Township School District / 101,051 |
| 385. | 14.9% | Cumberland Regional School District / 24,726 |
| 386. | 14.9% | Livingston Township School District / 29,617 |
| 387. | 14.9% | Jefferson Township School District / 21,443 |
| 388. | 14.9% | Allenhurst Borough School District / 486 |
| 389. | 14.9% | Spring Lake Borough School District / 2,999 |
| 389. | 14.9% | Princeton Regional School District / 28,940 |
| 391. | 14.9% | Little Egg Harbor Township School District / 20,339 |
| 392. | 14.8% | Pinelands Regional School District / 26,741 |
| 392. | 14.8% | Clinton Township School District / 13,319 |
| 392. | 14.8% | Little Silver Borough School District / 5,920 |
| 395. | 14.8% | Andover Regional School District / 6,884 |
| 396. | 14.8% | Pittsgrove Township School District / 9,287 |
| 397. | 14.8% | Denville Township School District / 16,814 |
| 398. | 14.7% | Wenonah Borough School District / 2,115 |
| 399. | 14.7% | Middle Township School District / 18,882 |
| 400. | 14.7% | Monmouth Beach Borough School District / 3,278 |
| 401. | 14.6% | Sparta Township School District / 19,547 |
| 402. | 14.6% | Stow Creek Township School District / 1,373 |
| 403. | 14.5% | Bethlehem Township School District / 3,941 |
| 404. | 14.5% | Dunellen Borough School District / 7,317 |
| 405. | 14.5% | Lower Cape May Regional School District / 27,003 |
| 406. | 14.5% | Weymouth Township School District / 2,715 |
| 407. | 14.4% | Cranbury Township School District / 3,705 |
| 408. | 14.4% | Delaware Valley Regional School District / 16,532 |
| 408. | 14.4% | North Brunswick Township School District / 41,920 |
| 410. | 14.4% | Swedesboro-Woolwich School District / 13,588 |
| 411. | 14.4% | Bradley Beach Borough School District / 4,290 |
| 412. | 14.3% | Elsinboro Township School District / 1,082 |
| 412. | 14.3% | Byram Township School District / 8,220 |
| 414. | 14.3% | Holmdel Township School District / 16,722 |
| 415. | 14.3% | The Chathams School District / 19,593 |
| 416. | 14.2% | Downe Township School District / 1,411 |
| 417. | 14.2% | Mount Olive Township School District / 28,530 |
| 418. | 14.1% | Upper Deerfield Township School District / 7,648 |
| 419. | 14.1% | Millburn Township School District / 20,200 |
| 419. | 14.1% | Hoboken City School District / 51,979 |
| 421. | 14.1% | Deptford Township School District / 30,568 |
| 422. | 14.0% | West Morris Regional School District / 39,046 |
| 423. | 14.0% | Willingboro Township School District / 31,735 |
| 424. | 13.9% | Moonachie Borough School District / 2,741 |
| 425. | 13.9% | Warren Township School District / 15,729 |
| 426. | 13.9% | Metuchen Borough School District / 13,707 |
| 427. | 13.9% | Springfield Township School District / 16,729 |
| 428. | 13.8% | South Hunterdon Regional School District / 7,207 |
| 428. | 13.8% | West Amwell Township School District / 2,815 |
| 430. | 13.8% | Longport Borough School District / 949 |
| 430. | 13.8% | Glen Ridge Borough School District / 7,606 |
| 432. | 13.8% | Somers Point City School District / 10,783 |
| 433. | 13.8% | Washington Township School District / 48,216 |
| 434. | 13.7% | Northern Burlington Regional School District / 29,127 |
| 435. | 13.7% | Paramus Borough School District / 26,612 |
| 436. | 13.7% | Paulsboro Borough School District / 6,041 |
| 437. | 13.7% | Bernards Township School District / 26,849 |
| 437. | 13.7% | Lambertville City School District / 3,876 |
| 439. | 13.7% | Vernon Township School District / 23,168 |
| 440. | 13.7% | Long Branch City School District / 30,590 |
| 441. | 13.6% | Alexandria Township School District / 4,909 |
| 442. | 13.6% | North Haledon Borough School District / 8,478 |
| 443. | 13.6% | Roxbury Township School District / 23,485 |
| 444. | 13.6% | Tinton Falls Borough School District / 19,063 |
| 445. | 13.5% | Pennsville Township School District / 13,229 |
| 446. | 13.3% | Tewksbury Township School District / 5,942 |
| 447. | 13.2% | Lower Township School District / 22,572 |
| 448. | 13.2% | Henry Hudson Regional School District / 9,342 |
| 449. | 13.1% | Mendham Township School District / 5,877 |
| 450. | 13.0% | North Hunterdon-Voorhees Regional School District / 50,835 |
| 451. | 12.9% | Randolph Township School District / 25,877 |
| 452. | 12.9% | Marlboro Township School District / 40,370 |
| 453. | 12.9% | Summit City School District / 21,826 |
| 454. | 12.9% | Neptune City School District / 4,849 |
| 455. | 12.9% | Delran Township School District / 16,856 |
| 456. | 12.6% | Gibbsboro Borough School District / 2,324 |
| 457. | 12.5% | Robbinsville Township School District / 13,952 |
| 458. | 12.5% | Westampton Township School District / 8,792 |
| 459. | 12.4% | Palmyra Borough School District / 7,372 |
| 460. | 12.4% | Mannington Township School District / 1,680 |
| 461. | 12.4% | Pemberton Township School District / 29,392 |
| 462. | 12.4% | Burlington Township School District / 22,613 |
| 463. | 12.3% | Milford Borough School District / 1,065 |
| 464. | 12.3% | East Amwell Township School District / 3,980 |
| 465. | 12.3% | Tuckerton Borough School District / 3,370 |
| 466. | 12.3% | Rockaway Borough School District / 6,480 |
| 467. | 12.2% | Lawrence Township School District / 33,252 |
| 468. | 12.2% | Ewing Township School District / 36,270 |
| 468. | 12.2% | Rancocas Valley Regional School District / 42,934 |
| 470. | 11.9% | Readington Township School District / 16,093 |
| 471. | 11.9% | Boonton Township School District / 4,328 |
| 472. | 11.9% | West Windsor-Plainsboro Regional School District / 51,332 |
| 473. | 11.8% | Hanover Park Regional School District / 37,179 |
| 474. | 11.7% | Bass River Township School District / 1,481 |
| 475. | 11.7% | Green Township School District / 3,552 |
| 476. | 11.7% | South Brunswick Township School District / 44,355 |
| 477. | 11.7% | Allamuchy Township School District / 4,470 |
| 478. | 11.5% | Franklin Township School District / 3,142 |
| 479. | 11.5% | Greenwich Township School District / 5,626 |
| 480. | 11.5% | Lawrence Township School District / 3,301 |
| 481. | 11.4% | Interlaken Borough School District / 826 |
| 482. | 11.4% | North Caldwell Borough School District / 6,407 |
| 483. | 11.3% | Hanover Township School District / 14,103 |
| 484. | 11.3% | Lebanon Borough School District / 1,765 |
| 485. | 11.3% | Frankford Township School District / 6,332 |
| 485. | 11.3% | Ringwood Borough School District / 12,320 |
| 487. | 11.3% | Clayton Borough School District / 8,225 |
| 488. | 11.2% | Evesham Township School District / 45,669 |
| 489. | 11.1% | Madison Borough School District / 16,043 |
| 489. | 11.1% | Mantua Township School District / 15,170 |
| 491. | 11.0% | Pitman Borough School District / 8,959 |
| 492. | 10.8% | Haddon Heights Borough School District / 7,425 |
| 493. | 10.7% | Berlin Borough School District / 7,587 |
| 494. | 10.6% | Branchburg Township School District / 14,547 |
| 495. | 10.5% | Highlands Borough School District / 4,985 |
| 496. | 10.4% | East Windsor Regional School District / 32,946 |
| 497. | 10.3% | Mansfield Township School District / 8,554 |
| 498. | 10.3% | Woodbine Borough School District / 2,605 |
| 499. | 10.2% | High Point Regional School District / 22,069 |
| 500. | 10.2% | Brooklawn Borough School District / 1,879 |
| 501. | 10.2% | Merchantville Borough School District / 3,803 |
| 502. | 10.1% | High Bridge Borough School District / 3,621 |
| 503. | 10.1% | Kingwood Township School District / 3,829 |
| 504. | 10.1% | Stillwater Township School District / 4,036 |
| 505. | 10.1% | Secaucus Town School District / 17,614 |
| 506. | 10.0% | Dennis Township School District / 6,397 |
| 507. | 10.0% | Medford Lakes Borough School District / 4,138 |
| 508. | 10.0% | North Warren Regional School District / 12,923 |
| 509. | 10.0% | Florence Township School District / 12,287 |
| 510. | 9.9% | Washington Township School District / 18,680 |
| 511. | 9.9% | Edgewater Park Township School District / 8,854 |
| 512. | 9.8% | Mount Arlington Borough School District / 5,140 |
| 513. | 9.7% | Hardyston Township School District / 8,126 |
| 514. | 9.4% | Clinton Town School District / 4,234 |
| 515. | 9.3% | Carlstadt Borough School District / 6,189 |
| 516. | 9.3% | Hillsborough Township School District / 39,525 |
| 517. | 9.2% | Clearview Regional School District / 27,786 |
| 518. | 9.2% | Mount Holly Township School District / 9,448 |
| 519. | 8.9% | Berlin Township School District / 5,360 |
| 520. | 8.9% | Essex Fells Borough School District / 2,140 |
| 520. | 8.9% | Lakehurst Borough School District / 2,676 |
| 522. | 8.7% | Shamong Township School District / 6,461 |
| 523. | 8.6% | Frelinghuysen Township School District / 2,445 |
| 523. | 8.6% | Seaside Heights Borough School District / 2,899 |
| 525. | 8.6% | Franklin Lakes Borough School District / 10,726 |
| 526. | 8.6% | Hackettstown Town School District / 9,633 |
| 527. | 8.6% | East Hanover Township School District / 11,256 |
| 528. | 8.5% | Pequannock Township School District / 15,577 |
| 529. | 8.4% | Manasquan Borough School District / 5,841 |
| 530. | 8.4% | Jamesburg Borough School District / 5,963 |
| 531. | 8.3% | Sussex-Wantage Regional School District / 13,314 |
| 532. | 8.2% | Newfield Elementary School District / 1,681 |
| 533. | 8.0% | South Bound Brook Borough School District / 4,585 |
| 534. | 7.8% | Bordentown Regional School District / 15,959 |
| 535. | 7.4% | Winfield Township School District / 1,473 |
| 536. | 7.2% | Emerson Borough School District / 7,538 |
| 537. | 7.1% | Lebanon Township School District / 6,507 |
| 538. | 7.1% | Harding Township School District / 3,862 |
| 539. | 7.1% | Blairstown Township School District / 7,452 |
| 540. | 7.0% | Harmony Township School District / 2,623 |
| 541. | 6.9% | Tabernacle Township School District / 6,983 |
| 542. | 6.9% | Hampton Borough School District / 1,174 |
| 543. | 6.6% | South Harrison Township School District / 3,195 |
| 543. | 6.6% | Mountain Lakes Borough School District / 4,235 |
| 545. | 6.6% | Woodland Township School District / 1,386 |
| 546. | 6.0% | Maurice River Township School District / 7,985 |
| 547. | 6.0% | Harrison Township School District / 12,616 |
| 548. | 5.9% | Brielle Borough School District / 4,772 |
| 549. | 4.7% | Washington Borough School District / 6,439 |
| 550. | 4.7% | New Hanover Township School District / 6,777 |
| 551. | 4.4% | Eastampton Township School District / 6,065 |
| 552. | 4.4% | Wildwood Crest Borough School District / 3,225 |
| 553. | 4.0% | Estell Manor City School District / 1,684 |
| 554. | 3.8% | Upper Pittsgrove Township School District / 3,494 |
| 555. | 3.4% | Colts Neck Township School District / 10,103 |
| 556. | 3.3% | Port Republic City School District / 1,093 |
| 557. | 2.9% | Deerfield Township School District / 3,128 |
| 558. | 1.7% | Lower Alloways Creek Township School District / 1,715 |
| 558. | 1.7% | Cape May Point Borough School District / 200 |
Please note that we only rank locations with 'Percentage of Houses without a Mortgage where Total Holding Costs 40% or More of Owner Income' data. The rank above might not be a complete list. Locations without 'Percentage of Houses without a Mortgage where Total Holding Costs 40% or More of Owner Income' data are not listed.
