| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 44.0% | Camp Lejeune Schools / 30,887 |
| 2. | 35.6% | Dare County Schools / 33,650 |
| 3. | 33.0% | Halifax County Schools / 33,369 |
| 4. | 32.4% | Thomasville City Schools / 15,235 |
| 5. | 32.3% | Lexington City Schools / 20,068 |
| 6. | 32.0% | Clay County Schools / 10,418 |
| 7. | 31.9% | Eastern Cherokee Reservation / 7,693 |
| 8. | 29.8% | Hyde County Schools / 5,721 |
| 9. | 28.6% | Currituck County Schools / 23,299 |
| 10. | 28.0% | Alleghany County Schools / 11,084 |
| 11. | 27.3% | Bladen County Schools / 34,629 |
| 12. | 27.2% | Duplin County Schools / 56,657 |
| 13. | 27.0% | Northampton County Schools / 22,161 |
| 14. | 26.9% | Avery County Schools / 17,951 |
| 15. | 26.6% | Hertford County Schools / 24,384 |
| 16. | 26.0% | Macon County Schools / 33,453 |
| 17. | 25.6% | Pasquotank County Schools / 40,167 |
| 18. | 25.4% | Scotland County Schools / 36,325 |
| 19. | 25.4% | Asheville City Schools / 37,653 |
| 20. | 25.3% | Kannapolis City Schools / 30,133 |
| 21. | 25.1% | Tyrrell County Schools / 4,374 |
| 22. | 24.7% | Pamlico County Schools / 13,072 |
| 23. | 24.7% | Warren County Schools / 20,810 |
| 24. | 24.6% | Brunswick County Schools / 101,994 |
| 25. | 24.2% | Watauga County Schools / 49,705 |
| 26. | 24.2% | Weldon City Schools / 7,713 |
| 27. | 24.0% | Bertie County Schools / 20,890 |
| 28. | 23.9% | Whiteville City Schools / 16,057 |
| 29. | 23.5% | Yancey County Schools / 17,911 |
| 30. | 23.4% | Columbus County Schools / 40,799 |
| 31. | 23.1% | Martin County Schools / 24,471 |
| 32. | 22.9% | Vance County Schools / 44,975 |
| 33. | 22.9% | Robeson County Schools / 131,708 |
| 34. | 22.8% | Richmond County Schools / 46,477 |
| 35. | 22.7% | Carteret County Schools / 65,068 |
| 36. | 22.7% | Caswell County Schools / 23,848 |
| 37. | 22.5% | Rutherford County Schools / 66,928 |
| 38. | 22.3% | Franklin County Schools / 58,473 |
| 39. | 22.3% | Montgomery County Schools / 27,611 |
| 40. | 22.1% | Washington County Schools / 13,248 |
| 41. | 22.0% | Cherokee County Schools / 27,317 |
| 42. | 21.9% | Perquimans County Schools / 13,091 |
| 43. | 21.9% | New Hanover County Schools / 197,272 |
| 44. | 21.9% | Mooresville City Schools / 26,074 |
| 45. | 21.7% | Edenton-Chowan Schools / 14,859 |
| 46. | 21.5% | Hoke County Schools / 44,128 |
| 47. | 21.3% | Craven County Schools / 100,001 |
| 48. | 21.2% | Mitchell County Schools / 15,680 |
| 49. | 21.2% | Anson County Schools / 26,785 |
| 50. | 21.0% | Alexander County Schools / 36,797 |
| 51. | 21.0% | Polk County Schools / 20,289 |
| 52. | 20.9% | Edgecombe County Schools / 45,739 |
| 53. | 20.9% | Beaufort County Schools / 47,185 |
| 54. | 20.7% | Graham County Schools / 8,702 |
| 55. | 20.6% | Sampson County Schools / 46,693 |
| 56. | 20.3% | Cumberland County Schools / 288,618 |
| 57. | 20.2% | Cleveland County Schools / 97,786 |
| 58. | 20.2% | Gates County Schools / 12,039 |
| 58. | 20.2% | Harnett County Schools / 109,031 |
| 60. | 20.2% | Asheboro City Schools / 28,267 |
| 61. | 19.9% | Wilson County Schools / 79,533 |
| 62. | 19.7% | Pender County Schools / 50,256 |
| 63. | 19.6% | Rowan-Salisbury Schools / 128,775 |
| 64. | 19.6% | Ashe County Schools / 26,787 |
| 65. | 19.5% | Iredell-Statesville Schools / 128,558 |
| 66. | 19.3% | Buncombe County Schools / 195,596 |
| 67. | 19.2% | Person County Schools / 38,942 |
| 68. | 19.1% | Stokes County Schools / 47,194 |
| 69. | 18.9% | Clinton City Schools / 16,139 |
| 69. | 18.9% | Hickory City Schools / 32,331 |
| 71. | 18.8% | Pitt County Schools / 161,385 |
| 72. | 18.7% | Guilford County Schools / 475,786 |
| 73. | 18.6% | Lenoir County Schools / 59,307 |
| 74. | 18.4% | Moore County Schools / 85,914 |
| 75. | 18.4% | Gaston County Schools / 202,642 |
| 76. | 18.4% | Newton-Conover City Schools / 17,286 |
| 77. | 18.2% | Henderson County Schools / 103,881 |
| 77. | 18.2% | Wilkes County Schools / 69,063 |
| 77. | 18.2% | Haywood County Schools / 58,597 |
| 80. | 18.2% | Nash-Rocky Mount Schools / 104,910 |
| 81. | 18.0% | Granville County Schools / 58,071 |
| 82. | 17.9% | Charlotte-Mecklenburg Schools / 882,761 |
| 83. | 17.6% | Onslow County Schools / 138,320 |
| 84. | 17.5% | Burke County Schools / 90,557 |
| 85. | 17.4% | Swain County Schools / 9,752 |
| 86. | 17.4% | Alamance-Burlington Schools / 147,072 |
| 87. | 17.3% | Durham Public Schools / 258,578 |
| 88. | 17.2% | Davidson County Schools / 125,335 |
| 89. | 16.8% | Wayne County Public Schools / 120,102 |
| 90. | 16.7% | Randolph County Schools / 111,767 |
| 91. | 16.6% | Lincoln County Schools / 75,697 |
| 92. | 16.6% | Union County Public Schools / 190,346 |
| 93. | 16.5% | Chatham County Schools / 61,426 |
| 94. | 16.4% | Orange County Schools / 47,731 |
| 95. | 16.4% | Caldwell County Schools / 82,162 |
| 96. | 16.3% | Lee County Schools / 55,576 |
| 97. | 16.2% | Mount Airy City Schools / 10,687 |
| 98. | 16.1% | Davie County Schools / 40,581 |
| 99. | 16.1% | Forsyth County Schools / 342,989 |
| 100. | 15.9% | Stanly County Schools / 60,109 |
| 101. | 15.8% | Rockingham County Schools / 93,322 |
| 102. | 15.6% | Transylvania County Schools / 32,404 |
| 103. | 15.5% | Cabarrus County Schools / 147,962 |
| 104. | 15.4% | Elkin City Schools / 6,659 |
| 105. | 15.4% | Camden County Schools / 9,719 |
| 105. | 15.4% | Johnston County Schools / 160,675 |
| 107. | 15.3% | Surry County Schools / 55,941 |
| 108. | 15.3% | Chapel Hill-Carrboro Schools / 81,831 |
| 109. | 15.1% | Yadkin County Schools / 38,158 |
| 110. | 14.9% | Wake County Schools / 850,546 |
| 111. | 14.4% | Jackson County Schools / 35,560 |
| 112. | 14.2% | Madison County Schools / 20,549 |
| 113. | 14.1% | McDowell County Schools / 44,593 |
| 114. | 13.4% | Catawba County Schools / 103,532 |
| 115. | 13.4% | Jones County Schools / 10,060 |
| 116. | 12.7% | Greene County Schools / 21,157 |
| 117. | 9.5% | Roanoke Rapids City Schools / 14,211 |
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.
