| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 35.3% | Lexington City Schools / 20,008 |
| 2. | 35.1% | Dare County Schools / 34,019 |
| 3. | 33.7% | Thomasville City Schools / 14,825 |
| 4. | 31.4% | Perquimans County Schools / 13,414 |
| 5. | 30.0% | Weldon City Schools / 7,827 |
| 6. | 30.0% | Northampton County Schools / 21,959 |
| 7. | 29.8% | Macon County Schools / 33,815 |
| 8. | 29.1% | Tyrrell County Schools / 4,367 |
| 9. | 29.0% | Halifax County Schools / 32,131 |
| 10. | 28.8% | Ashe County Schools / 27,099 |
| 11. | 28.8% | Columbus County Schools / 42,379 |
| 12. | 28.8% | Whiteville City Schools / 15,233 |
| 13. | 28.2% | Kannapolis City Schools / 31,123 |
| 14. | 27.5% | Polk County Schools / 20,386 |
| 15. | 26.9% | Currituck County Schools / 23,677 |
| 16. | 26.8% | Bladen County Schools / 34,922 |
| 17. | 26.5% | Yancey County Schools / 17,814 |
| 18. | 26.3% | Pasquotank County Schools / 40,551 |
| 19. | 26.1% | Scotland County Schools / 36,266 |
| 20. | 26.0% | Montgomery County Schools / 27,741 |
| 21. | 25.4% | Clay County Schools / 10,575 |
| 22. | 25.1% | Alleghany County Schools / 11,069 |
| 23. | 25.0% | Hertford County Schools / 24,525 |
| 24. | 24.8% | Edenton-Chowan Schools / 14,825 |
| 25. | 24.7% | Brunswick County Schools / 107,925 |
| 26. | 24.3% | Eastern Cherokee Reservation / 8,074 |
| 27. | 24.0% | Madison County Schools / 20,727 |
| 28. | 23.9% | Bertie County Schools / 21,035 |
| 29. | 23.8% | Graham County Schools / 8,766 |
| 30. | 23.8% | Carteret County Schools / 66,415 |
| 31. | 23.6% | Franklin County Schools / 60,470 |
| 32. | 23.5% | Jackson County Schools / 35,967 |
| 33. | 23.4% | Pender County Schools / 52,447 |
| 34. | 23.3% | Asheville City Schools / 38,985 |
| 35. | 23.2% | Robeson County Schools / 133,920 |
| 36. | 23.1% | Cherokee County Schools / 27,304 |
| 37. | 23.1% | Duplin County Schools / 58,510 |
| 38. | 23.1% | Mitchell County Schools / 15,539 |
| 39. | 22.7% | Washington County Schools / 13,085 |
| 40. | 22.6% | New Hanover County Schools / 203,276 |
| 41. | 22.6% | Pamlico County Schools / 13,145 |
| 42. | 22.6% | Gates County Schools / 12,069 |
| 43. | 22.5% | Martin County Schools / 24,298 |
| 44. | 22.4% | Warren County Schools / 20,860 |
| 45. | 22.2% | Beaufort County Schools / 47,542 |
| 46. | 21.9% | Wilkes County Schools / 69,265 |
| 47. | 21.8% | Harnett County Schools / 115,559 |
| 47. | 21.8% | Sampson County Schools / 47,486 |
| 49. | 21.7% | Person County Schools / 39,322 |
| 50. | 21.3% | Anson County Schools / 26,699 |
| 51. | 21.0% | Camden County Schools / 9,965 |
| 52. | 21.0% | Hoke County Schools / 47,368 |
| 53. | 21.0% | Avery County Schools / 17,815 |
| 54. | 20.8% | Haywood County Schools / 58,915 |
| 54. | 20.8% | Craven County Schools / 102,904 |
| 56. | 20.8% | Chatham County Schools / 63,896 |
| 57. | 20.7% | Mount Airy City Schools / 10,576 |
| 58. | 20.5% | Cleveland County Schools / 97,890 |
| 59. | 20.5% | Transylvania County Schools / 32,825 |
| 60. | 20.4% | Hickory City Schools / 31,271 |
| 61. | 20.3% | Edgecombe County Schools / 45,286 |
| 62. | 20.3% | Iredell-Statesville Schools / 132,553 |
| 63. | 20.2% | Buncombe County Schools / 200,015 |
| 64. | 20.1% | Henderson County Schools / 106,577 |
| 65. | 20.1% | Newton-Conover City Schools / 17,669 |
| 66. | 20.0% | Vance County Schools / 45,183 |
| 67. | 19.9% | Alexander County Schools / 37,014 |
| 68. | 19.8% | Onslow County Schools / 148,931 |
| 69. | 19.7% | Cumberland County Schools / 294,640 |
| 70. | 19.7% | Rutherford County Schools / 67,446 |
| 71. | 19.6% | Wilson County Schools / 81,020 |
| 72. | 19.6% | Asheboro City Schools / 29,202 |
| 73. | 19.4% | Caswell County Schools / 23,615 |
| 74. | 19.4% | Mooresville City Schools / 27,061 |
| 75. | 19.2% | Jones County Schools / 10,144 |
| 76. | 19.2% | Pitt County Schools / 167,951 |
| 76. | 19.2% | Guilford County Schools / 489,576 |
| 78. | 19.1% | Watauga County Schools / 51,103 |
| 79. | 19.1% | Granville County Schools / 59,666 |
| 80. | 19.0% | Hyde County Schools / 5,810 |
| 81. | 18.9% | Richmond County Schools / 46,608 |
| 82. | 18.9% | Moore County Schools / 88,314 |
| 83. | 18.8% | Gaston County Schools / 206,291 |
| 84. | 18.5% | Rowan-Salisbury Schools / 129,858 |
| 85. | 18.4% | Stokes County Schools / 47,224 |
| 86. | 18.4% | Lenoir County Schools / 59,372 |
| 87. | 18.4% | Caldwell County Schools / 82,493 |
| 87. | 18.4% | Greene County Schools / 21,386 |
| 87. | 18.4% | Davidson County Schools / 127,795 |
| 90. | 18.3% | Orange County Schools / 49,293 |
| 91. | 18.3% | Charlotte-Mecklenburg Schools / 926,873 |
| 92. | 18.1% | Randolph County Schools / 112,366 |
| 93. | 18.0% | Surry County Schools / 56,690 |
| 94. | 18.0% | Nash-Rocky Mount Schools / 106,512 |
| 95. | 17.9% | Alamance-Burlington Schools / 151,170 |
| 96. | 17.5% | Wayne County Public Schools / 122,419 |
| 97. | 17.4% | Rockingham County Schools / 93,264 |
| 97. | 17.4% | Clinton City Schools / 15,922 |
| 99. | 17.4% | Cabarrus County Schools / 155,604 |
| 100. | 17.2% | Burke County Schools / 90,821 |
| 101. | 17.1% | Yadkin County Schools / 38,254 |
| 102. | 16.9% | Davie County Schools / 41,183 |
| 103. | 16.9% | Stanly County Schools / 60,489 |
| 104. | 16.5% | Union County Public Schools / 201,617 |
| 105. | 16.3% | Forsyth County Schools / 351,368 |
| 106. | 16.1% | Durham Public Schools / 269,283 |
| 107. | 15.6% | Catawba County Schools / 105,261 |
| 108. | 15.2% | Johnston County Schools / 169,122 |
| 109. | 15.1% | Lincoln County Schools / 78,052 |
| 110. | 15.0% | Wake County Schools / 905,573 |
| 111. | 15.0% | Chapel Hill-Carrboro Schools / 84,665 |
| 112. | 14.7% | McDowell County Schools / 44,926 |
| 113. | 14.6% | Lee County Schools / 57,876 |
| 114. | 13.7% | Elkin City Schools / 6,285 |
| 115. | 12.4% | Swain County Schools / 9,939 |
| 116. | 9.9% | Roanoke Rapids City Schools / 14,735 |
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.
