| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 33.2% | Eastern Cherokee Reservation / 8,778 |
| 2. | 33.0% | Weldon City Schools / 7,174 |
| 3. | 31.7% | Bertie County Schools / 20,677 |
| 4. | 31.3% | Dare County Schools / 34,530 |
| 5. | 31.1% | Thomasville City Schools / 14,511 |
| 6. | 30.6% | Tyrrell County Schools / 4,219 |
| 7. | 29.1% | Madison County Schools / 20,951 |
| 8. | 27.3% | Bladen County Schools / 34,915 |
| 9. | 27.2% | Ashe County Schools / 27,173 |
| 10. | 27.1% | Columbus County Schools / 42,268 |
| 11. | 26.8% | Perquimans County Schools / 13,507 |
| 12. | 26.5% | Warren County Schools / 20,628 |
| 13. | 26.2% | Edenton-Chowan Schools / 14,703 |
| 14. | 26.0% | Macon County Schools / 33,840 |
| 15. | 26.0% | Halifax County Schools / 31,471 |
| 16. | 25.8% | Montgomery County Schools / 27,626 |
| 17. | 25.7% | Whiteville City Schools / 15,244 |
| 18. | 25.6% | Lexington City Schools / 20,026 |
| 19. | 25.5% | Newton-Conover City Schools / 18,259 |
| 20. | 25.5% | Currituck County Schools / 24,212 |
| 21. | 25.4% | Scotland County Schools / 36,034 |
| 22. | 25.2% | Polk County Schools / 20,352 |
| 23. | 24.8% | Cherokee County Schools / 27,156 |
| 24. | 24.6% | Kannapolis City Schools / 32,018 |
| 25. | 24.5% | Jones County Schools / 10,184 |
| 26. | 24.0% | Mitchell County Schools / 15,380 |
| 27. | 23.8% | Northampton County Schools / 21,310 |
| 28. | 23.6% | Carteret County Schools / 67,851 |
| 29. | 23.5% | Brunswick County Schools / 112,907 |
| 30. | 23.4% | Washington County Schools / 12,837 |
| 31. | 23.4% | Alleghany County Schools / 10,974 |
| 32. | 23.2% | Pasquotank County Schools / 40,233 |
| 33. | 23.2% | Robeson County Schools / 134,913 |
| 34. | 23.0% | Beaufort County Schools / 47,587 |
| 34. | 23.0% | Hoke County Schools / 50,034 |
| 36. | 22.9% | Franklin County Schools / 61,723 |
| 37. | 22.9% | Pamlico County Schools / 13,062 |
| 38. | 22.8% | Pender County Schools / 54,218 |
| 39. | 22.5% | Wilkes County Schools / 69,093 |
| 40. | 22.5% | Wilson County Schools / 81,499 |
| 41. | 22.4% | Caswell County Schools / 23,357 |
| 42. | 22.3% | Sampson County Schools / 47,236 |
| 43. | 22.3% | New Hanover County Schools / 209,586 |
| 44. | 22.3% | Jackson County Schools / 36,500 |
| 45. | 22.3% | Haywood County Schools / 59,012 |
| 46. | 22.1% | Vance County Schools / 44,998 |
| 47. | 21.9% | Hertford County Schools / 24,460 |
| 48. | 21.5% | Hyde County Schools / 5,757 |
| 49. | 21.3% | Yancey County Schools / 17,662 |
| 50. | 21.3% | Gates County Schools / 11,877 |
| 51. | 21.2% | Surry County Schools / 55,488 |
| 52. | 21.0% | Martin County Schools / 23,947 |
| 53. | 20.9% | Person County Schools / 39,303 |
| 54. | 20.8% | Harnett County Schools / 121,789 |
| 55. | 20.8% | Orange County Schools / 50,724 |
| 56. | 20.7% | Avery County Schools / 17,739 |
| 57. | 20.7% | Clay County Schools / 10,616 |
| 58. | 20.5% | Asheboro City Schools / 28,583 |
| 59. | 20.4% | Craven County Schools / 104,574 |
| 60. | 19.8% | Transylvania County Schools / 32,943 |
| 61. | 19.7% | Granville County Schools / 57,955 |
| 62. | 19.6% | Chatham County Schools / 66,050 |
| 63. | 19.6% | Cumberland County Schools / 300,374 |
| 64. | 19.6% | Moore County Schools / 90,579 |
| 65. | 19.4% | Duplin County Schools / 59,455 |
| 66. | 19.4% | Asheville City Schools / 39,897 |
| 67. | 19.3% | Gaston County Schools / 208,379 |
| 68. | 19.3% | Henderson County Schools / 108,642 |
| 69. | 19.2% | Richmond County Schools / 46,317 |
| 69. | 19.2% | Edgecombe County Schools / 45,276 |
| 71. | 19.2% | Buncombe County Schools / 204,702 |
| 72. | 18.9% | Greene County Schools / 21,353 |
| 73. | 18.8% | Guilford County Schools / 500,899 |
| 74. | 18.8% | Iredell-Statesville Schools / 135,145 |
| 75. | 18.7% | Mount Airy City Schools / 11,622 |
| 76. | 18.7% | Mooresville City Schools / 27,854 |
| 77. | 18.6% | Onslow County Schools / 155,186 |
| 78. | 18.6% | Yadkin County Schools / 38,101 |
| 79. | 18.4% | Lenoir County Schools / 59,095 |
| 80. | 18.4% | Pitt County Schools / 172,438 |
| 81. | 18.3% | Watauga County Schools / 51,903 |
| 82. | 18.3% | Alamance-Burlington Schools / 153,713 |
| 83. | 18.3% | Burke County Schools / 90,164 |
| 84. | 18.2% | Nash-Rocky Mount Schools / 105,677 |
| 85. | 18.2% | Rockingham County Schools / 92,602 |
| 86. | 18.2% | Cabarrus County Schools / 161,309 |
| 87. | 18.1% | Rowan-Salisbury Schools / 129,774 |
| 88. | 17.9% | Wayne County Public Schools / 124,093 |
| 89. | 17.8% | Stanly County Schools / 60,553 |
| 90. | 17.7% | Alexander County Schools / 37,175 |
| 91. | 17.7% | Anson County Schools / 26,309 |
| 92. | 17.7% | Cleveland County Schools / 97,464 |
| 93. | 17.5% | Rutherford County Schools / 67,181 |
| 94. | 17.5% | Caldwell County Schools / 82,140 |
| 95. | 17.3% | Charlotte-Mecklenburg Schools / 968,500 |
| 96. | 17.1% | Hickory City Schools / 30,442 |
| 97. | 16.7% | Randolph County Schools / 113,693 |
| 98. | 16.7% | Davidson County Schools / 129,008 |
| 99. | 16.5% | Graham County Schools / 8,743 |
| 100. | 16.3% | Stokes County Schools / 46,858 |
| 101. | 16.3% | Union County Public Schools / 209,387 |
| 102. | 16.1% | Camden County Schools / 10,127 |
| 103. | 16.1% | Forsyth County Schools / 358,130 |
| 104. | 16.1% | McDowell County Schools / 44,982 |
| 105. | 15.9% | Davie County Schools / 41,411 |
| 106. | 15.9% | Lincoln County Schools / 79,041 |
| 107. | 15.5% | Durham Public Schools / 282,422 |
| 108. | 14.4% | Johnston County Schools / 175,343 |
| 109. | 14.3% | Catawba County Schools / 105,756 |
| 110. | 14.2% | Roanoke Rapids City Schools / 15,158 |
| 111. | 13.9% | Wake County Schools / 952,513 |
| 112. | 13.9% | Clinton City Schools / 16,606 |
| 113. | 13.7% | Lee County Schools / 59,096 |
| 114. | 12.5% | Chapel Hill-Carrboro Schools / 86,551 |
| 115. | 9.8% | Swain County Schools / 9,390 |
| 116. | 6.1% | Elkin City Schools / 6,281 |
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.
