| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 66.7% | Camp Lejeune Schools / 40,361 |
| 2. | 35.3% | Dare County Schools / 33,976 |
| 3. | 33.4% | Clay County Schools / 10,084 |
| 4. | 33.4% | Halifax County Schools / 33,672 |
| 5. | 31.8% | Northampton County Schools / 20,611 |
| 6. | 29.7% | Tyrrell County Schools / 4,112 |
| 7. | 28.1% | Lexington City Schools / 21,993 |
| 8. | 26.9% | Duplin County Schools / 52,358 |
| 9. | 26.5% | Whiteville City Schools / 15,155 |
| 10. | 26.4% | Eastern Cherokee Reservation / 6,923 |
| 11. | 26.4% | Currituck County Schools / 23,713 |
| 12. | 26.3% | Hertford County Schools / 23,281 |
| 13. | 26.1% | Asheville City Schools / 35,538 |
| 14. | 26.1% | Kannapolis City Schools / 29,560 |
| 15. | 26.0% | Pamlico County Schools / 12,470 |
| 16. | 25.7% | Martin County Schools / 23,699 |
| 17. | 25.7% | Bladen County Schools / 32,412 |
| 17. | 25.7% | Alleghany County Schools / 10,905 |
| 19. | 25.6% | Vance County Schools / 42,987 |
| 20. | 25.1% | Macon County Schools / 32,607 |
| 21. | 25.0% | Warren County Schools / 19,545 |
| 22. | 25.0% | Cherokee County Schools / 26,203 |
| 23. | 23.9% | Edgecombe County Schools / 41,418 |
| 24. | 23.9% | Weldon City Schools / 7,089 |
| 25. | 23.7% | Hyde County Schools / 5,256 |
| 25. | 23.7% | Polk County Schools / 19,107 |
| 27. | 23.6% | Brunswick County Schools / 98,712 |
| 28. | 23.6% | Perquimans County Schools / 12,367 |
| 29. | 23.5% | Thomasville City Schools / 23,906 |
| 30. | 23.5% | Columbus County Schools / 38,895 |
| 31. | 23.3% | Robeson County Schools / 127,686 |
| 32. | 23.0% | Richmond County Schools / 45,947 |
| 33. | 23.0% | Watauga County Schools / 44,636 |
| 34. | 22.8% | Scotland County Schools / 36,394 |
| 35. | 22.7% | Edenton-Chowan Schools / 14,629 |
| 36. | 22.5% | Pasquotank County Schools / 40,334 |
| 37. | 22.4% | Bertie County Schools / 19,187 |
| 38. | 22.3% | Montgomery County Schools / 27,456 |
| 39. | 22.1% | Washington County Schools / 12,979 |
| 40. | 22.0% | New Hanover County Schools / 189,463 |
| 41. | 21.9% | Caswell County Schools / 23,228 |
| 42. | 21.9% | Hickory City Schools / 33,078 |
| 43. | 21.8% | Yancey County Schools / 18,336 |
| 44. | 21.8% | Carteret County Schools / 63,369 |
| 45. | 21.5% | Avery County Schools / 17,903 |
| 46. | 21.2% | Rutherford County Schools / 63,153 |
| 47. | 21.1% | Mooresville City Schools / 17,874 |
| 48. | 21.0% | Franklin County Schools / 57,201 |
| 49. | 20.9% | Anson County Schools / 25,243 |
| 50. | 20.9% | Graham County Schools / 7,964 |
| 51. | 20.8% | Harnett County Schools / 108,885 |
| 52. | 20.5% | Cleveland County Schools / 98,331 |
| 53. | 20.2% | Hoke County Schools / 42,410 |
| 54. | 20.0% | Sampson County Schools / 46,780 |
| 55. | 20.0% | Cumberland County Schools / 281,742 |
| 55. | 20.0% | Clinton City Schools / 16,216 |
| 57. | 19.8% | Craven County Schools / 96,789 |
| 58. | 19.7% | Lee County Schools / 57,919 |
| 59. | 19.6% | Stokes County Schools / 45,916 |
| 60. | 19.4% | Swain County Schools / 9,717 |
| 61. | 19.2% | Henderson County Schools / 100,333 |
| 62. | 19.1% | Lenoir County Schools / 56,831 |
| 63. | 19.1% | Wilson County Schools / 76,765 |
| 64. | 19.0% | Iredell-Statesville Schools / 132,472 |
| 65. | 18.8% | Beaufort County Schools / 45,993 |
| 66. | 18.6% | Pender County Schools / 49,408 |
| 67. | 18.2% | Nash-Rocky Mount Schools / 103,982 |
| 68. | 18.1% | Ashe County Schools / 25,467 |
| 69. | 18.0% | Moore County Schools / 84,280 |
| 70. | 17.9% | Buncombe County Schools / 190,331 |
| 71. | 17.9% | Alexander County Schools / 36,278 |
| 72. | 17.9% | Haywood County Schools / 56,535 |
| 73. | 17.7% | Onslow County Schools / 124,820 |
| 73. | 17.7% | Burke County Schools / 88,987 |
| 75. | 17.7% | Guilford County Schools / 464,041 |
| 76. | 17.6% | Pitt County Schools / 151,931 |
| 77. | 17.6% | Rowan-Salisbury Schools / 129,367 |
| 78. | 17.5% | Greene County Schools / 20,402 |
| 79. | 17.5% | Person County Schools / 37,301 |
| 80. | 17.4% | Union County Public Schools / 181,852 |
| 81. | 17.4% | Gates County Schools / 11,555 |
| 82. | 17.1% | Chatham County Schools / 61,444 |
| 83. | 17.1% | Charlotte-Mecklenburg Schools / 861,189 |
| 84. | 17.0% | Randolph County Schools / 110,774 |
| 85. | 17.0% | Durham Public Schools / 256,296 |
| 86. | 17.0% | Mount Airy City Schools / 10,248 |
| 87. | 16.9% | Gaston County Schools / 202,149 |
| 88. | 16.9% | Caldwell County Schools / 79,382 |
| 89. | 16.7% | Elkin City Schools / 6,970 |
| 90. | 16.7% | Mitchell County Schools / 15,690 |
| 91. | 16.5% | Davidson County Schools / 110,134 |
| 92. | 16.5% | Davie County Schools / 40,297 |
| 93. | 16.4% | Wilkes County Schools / 66,563 |
| 94. | 16.4% | Granville County Schools / 55,670 |
| 95. | 16.4% | Alamance-Burlington Schools / 144,769 |
| 96. | 16.2% | Lincoln County Schools / 72,728 |
| 97. | 16.2% | Wayne County Public Schools / 113,290 |
| 98. | 15.9% | Asheboro City Schools / 28,669 |
| 99. | 15.9% | Forsyth County Schools / 346,851 |
| 100. | 15.8% | Transylvania County Schools / 29,886 |
| 101. | 15.7% | Rockingham County Schools / 92,007 |
| 102. | 15.7% | Surry County Schools / 54,948 |
| 103. | 15.7% | Johnston County Schools / 156,888 |
| 104. | 15.6% | Orange County Schools / 47,023 |
| 105. | 15.5% | Chapel Hill-Carrboro Schools / 77,480 |
| 106. | 15.1% | Stanly County Schools / 59,136 |
| 107. | 14.5% | Camden County Schools / 9,375 |
| 108. | 14.2% | Jackson County Schools / 33,174 |
| 109. | 13.8% | Wake County Schools / 828,759 |
| 110. | 13.8% | Yadkin County Schools / 37,520 |
| 111. | 13.6% | Newton-Conover City Schools / 16,715 |
| 112. | 13.4% | Cabarrus County Schools / 139,933 |
| 113. | 13.3% | Madison County Schools / 20,227 |
| 114. | 12.5% | Catawba County Schools / 105,364 |
| 115. | 12.5% | McDowell County Schools / 43,587 |
| 116. | 10.3% | Jones County Schools / 10,028 |
| 117. | 7.1% | Roanoke Rapids City Schools / 14,357 |
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.
