| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 46.4% | Zeeland Public School District 4 / 283 |
| 2. | 38.5% | Bakker Public School District 10 / 244 |
| 3. | 35.7% | Horse Creek Public School District 32 / 127 |
| 4. | 31.6% | Mandaree Public School District 36 / 1,084 |
| 5. | 31.0% | Naughton Public School District 25 / 119 |
| 6. | 28.9% | Adams Public School District 128 / 347 |
| 7. | 28.6% | White Shield Public School District 85 / 560 |
| 8. | 28.4% | Drake Public School District 57 / 772 |
| 9. | 27.6% | Bowbells Public School District 14 / 576 |
| 10. | 26.9% | Selfridge Public School District 8 / 434 |
| 11. | 26.0% | Kenmare Public School District 28 / 1,766 |
| 12. | 25.7% | Menoken Public School District 33 / 460 |
| 13. | 24.4% | Starkweather Public School District 44 / 504 |
| 14. | 21.6% | Kensal Public School District 19 / 386 |
| 15. | 20.4% | Halliday Public School District 19 / 575 |
| 16. | 20.0% | St. John Public School District 3 / 1,783 |
| 17. | 19.4% | Wing Public School District 28 / 397 |
| 18. | 19.4% | Scranton Public School District 33 / 881 |
| 19. | 18.4% | Anamoose Public School District 14 / 535 |
| 20. | 18.1% | Lakota Public School District 66 / 1,149 |
| 21. | 18.0% | Fairmount Public School District 18 / 584 |
| 22. | 17.7% | Litchville-Marion Public School District 46 / 1,110 |
| 23. | 17.5% | Sterling Public School District 35 / 442 |
| 24. | 17.0% | New Public School District 8 / 2,788 |
| 25. | 17.0% | Belcourt Public School District 7 / 6,346 |
| 26. | 16.7% | Solen Public School District 3 / 1,088 |
| 27. | 16.4% | Hazelton-Moffit-Braddock Public School District 6 / 883 |
| 28. | 16.0% | Burke Central Public School District 36 / 692 |
| 29. | 16.0% | Enderlin Area Public School District 24 / 2,076 |
| 30. | 15.9% | Edmore Public School District 2 / 652 |
| 31. | 15.9% | Towner-Granville-Upham Public School District 60 / 2,624 |
| 32. | 15.8% | Beach Public School District 3 / 1,454 |
| 33. | 15.7% | Belfield Public School District 13 / 1,277 |
| 33. | 15.7% | Flasher Public School District 39 / 1,016 |
| 35. | 15.5% | Lidgerwood Public School District 28 / 1,347 |
| 36. | 15.5% | Gackle-Streeter Public School District 56 / 1,029 |
| 37. | 15.3% | Roosevelt Public School District 18 / 678 |
| 38. | 14.9% | Sargent Central Public School District 6 / 1,519 |
| 39. | 14.9% | Maple Valley Public School District 4 / 1,351 |
| 40. | 14.7% | Edgeley Public School District 3 / 1,216 |
| 41. | 14.3% | Minnewaukan Public School District 5 / 437 |
| 41. | 14.3% | Little Heart Public School District 4 / 192 |
| 43. | 14.2% | Garrison Public School District 51 / 2,293 |
| 44. | 14.0% | United Public School District 7 / 3,436 |
| 45. | 13.9% | Velva Public School District 1 / 2,354 |
| 46. | 13.8% | Underwood Public School District 8 / 1,537 |
| 47. | 13.7% | Emerado Public School District 127 / 782 |
| 48. | 13.6% | New Salem-Almont School District / 2,053 |
| 48. | 13.6% | Oberon Public School District 16 / 373 |
| 50. | 13.5% | Name N/A / 16,358 |
| 51. | 13.3% | Manning Public School District 45 / 182 |
| 51. | 13.3% | Manvel Public School District 125 / 1,485 |
| 51. | 13.3% | May-Port CG Public School District 14 / 3,444 |
| 54. | 13.2% | Nedrose Public School District 4 / 2,305 |
| 55. | 13.2% | New Town Public School District 1 / 3,766 |
| 56. | 13.0% | Napoleon Public School District 2 / 1,305 |
| 57. | 12.8% | Mandan Public School District 1 / 23,396 |
| 58. | 12.6% | Ashley Public School District 9 / 1,146 |
| 59. | 12.5% | Yellowstone Public School District 14 / 568 |
| 59. | 12.5% | Goodrich Public School District 16 / 327 |
| 61. | 12.4% | Kidder County School District / 2,240 |
| 61. | 12.4% | South Prairie Public School District 70 / 1,314 |
| 63. | 12.3% | Divide County Public School District 1 / 2,111 |
| 64. | 12.2% | Hazen Public School District 3 / 3,380 |
| 65. | 12.1% | Sweet Briar Public School District 17 / 169 |
| 66. | 12.1% | Elgin-New Leipzig Public School District 49 / 1,296 |
| 67. | 12.0% | Northwood Public School District 129 / 1,533 |
| 68. | 11.7% | Max Public School District 50 / 1,006 |
| 69. | 11.4% | Fort Yates Public School District 4 / 2,820 |
| 70. | 11.3% | Minot Public School District 1 / 52,808 |
| 71. | 11.1% | Mount Pleasant Public School District 4 / 1,995 |
| 72. | 10.9% | Montefiore Public School District 1 / 1,863 |
| 73. | 10.7% | Barnes County North Public School District 2 / 1,931 |
| 74. | 10.5% | Park River Public School District 78 / 2,338 |
| 75. | 10.4% | Hettinger Public School District 13 / 2,019 |
| 76. | 10.2% | Hatton Public School District 7 / 1,232 |
| 77. | 10.2% | Tioga Public School District 15 / 1,732 |
| 78. | 10.2% | Fargo Public School District 1 / 91,542 |
| 79. | 10.1% | Richardton-Taylor Public School District 34 / 1,439 |
| 80. | 10.1% | Powers Lake Public School District 27 / 893 |
| 81. | 10.0% | Marmarth Public School District 12 / 178 |
| 82. | 9.9% | Munich Public School District 19 / 707 |
| 83. | 9.8% | Lisbon Public School District 19 / 3,290 |
| 84. | 9.8% | Wolford Public School District 1 / 329 |
| 85. | 9.4% | Page Public School District 80 / 714 |
| 86. | 9.4% | Eightmile Public School District 6 / 707 |
| 87. | 9.4% | Mott-Regent Public School District 1 / 1,594 |
| 88. | 9.3% | Washburn Public School District 4 / 1,968 |
| 89. | 9.2% | New England Public School District 9 / 1,265 |
| 89. | 9.2% | Harvey Public School District 38 / 2,884 |
| 91. | 9.1% | Wyndmere Public School District 42 / 1,429 |
| 91. | 9.1% | Mapleton Public School District 7 / 1,007 |
| 93. | 9.1% | Medina Public School District 3 / 884 |
| 94. | 9.0% | Dunseith Public School District 1 / 3,021 |
| 95. | 8.9% | Northern Cass Public School District 97 / 2,463 |
| 96. | 8.9% | Apple Creek Public School District 39 / 879 |
| 97. | 8.8% | Midway Public School District 128 / 1,296 |
| 98. | 8.8% | Hebron Public School District 13 / 1,238 |
| 99. | 8.7% | Lewis and Clark Public School District 161 / 2,196 |
| 100. | 8.6% | North Border School District 100 / 2,903 |
| 101. | 8.3% | West Hope Public School District 17 / 861 |
| 101. | 8.3% | Fort Ransom Public School District 6 / 233 |
| 103. | 8.2% | West Fargo Public School District 6 / 55,049 |
| 104. | 8.2% | Glenburn Public School District 26 / 1,234 |
| 105. | 8.2% | Finley-Sharon Public School District 19 / 852 |
| 106. | 8.2% | Grand Forks Public School District 1 / 55,408 |
| 107. | 8.1% | Devils Lake Public School District 1 / 10,913 |
| 108. | 8.0% | Midkota Public School District 7 / 1,079 |
| 109. | 8.0% | Glen Ullin Public School District 48 / 1,113 |
| 110. | 7.8% | Newburg United Public School District 54 / 669 |
| 111. | 7.8% | Richland Public School District 44 / 1,305 |
| 112. | 7.7% | Montpelier Public School District 14 / 505 |
| 113. | 7.7% | Beulah Public School District 27 / 4,573 |
| 114. | 7.6% | Minto Public School District 20 / 1,075 |
| 115. | 7.5% | Central Cass Public School District 17 / 4,007 |
| 116. | 7.4% | Bismarck Public School District 1 / 82,411 |
| 117. | 7.4% | Killdeer Public School District 16 / 2,217 |
| 117. | 7.4% | Wishek Public School District 19 / 1,400 |
| 119. | 7.1% | McClusky Public School District 19 / 550 |
| 120. | 7.1% | Sawyer Public School District 16 / 822 |
| 121. | 6.8% | Kindred Public School District 2 / 3,157 |
| 122. | 6.7% | Robinson Public School District 14 / 151 |
| 122. | 6.7% | Valley City Public School District 2 / 8,242 |
| 122. | 6.7% | Ellendale Public School District 40 / 2,460 |
| 125. | 6.6% | Name N/A / 1,578 |
| 126. | 6.5% | Bottineau Public School District 1 / 4,072 |
| 127. | 6.5% | Linton Public School District 36 / 1,587 |
| 128. | 6.5% | Billings County Public School District 1 / 855 |
| 129. | 6.4% | Grenora Public School District 99 / 668 |
| 130. | 6.2% | Dickinson Public School District 1 / 23,189 |
| 131. | 6.2% | Fordville-Lankin Public School District 5 / 666 |
| 132. | 6.2% | North Sargent Public School District 3 / 1,055 |
| 133. | 6.1% | Dakota Prairie Public School District 1 / 2,490 |
| 134. | 6.0% | Fessenden-Bowdon Public School District 25 / 1,212 |
| 134. | 6.0% | Hankinson Public School District 8 / 1,756 |
| 136. | 6.0% | Turtle Lake-Mercer Public School District 72 / 1,132 |
| 137. | 5.9% | Jamestown Public School District 1 / 17,978 |
| 138. | 5.9% | Maddock Public School District 9 / 962 |
| 139. | 5.8% | Alexander Public School District 2 / 648 |
| 140. | 5.6% | Thompson Public School District 61 / 2,364 |
| 141. | 5.4% | Leeds Public School District 6 / 919 |
| 142. | 5.2% | Hillsboro Public School District 9 / 2,564 |
| 143. | 5.2% | Parshall Public School District 3 / 1,544 |
| 144. | 5.2% | South Heart Public School District 9 / 1,371 |
| 145. | 5.0% | Rugby Public School District 5 / 3,986 |
| 146. | 4.9% | Cavalier Public School District 6 / 2,535 |
| 147. | 4.7% | North Star School District / 1,790 |
| 148. | 4.6% | Carrington Public School District 10 / 3,135 |
| 149. | 4.6% | Warwick Public School District 29 / 1,209 |
| 150. | 4.5% | Bowman County Public School District 1 / 2,850 |
| 151. | 4.4% | Lonetree Public School District 6 / 358 |
| 152. | 4.3% | Hope Public School District 10 / 723 |
| 153. | 4.2% | Pingree-Buchanan Public School District 10 / 605 |
| 154. | 4.1% | Larimore Public School District 44 / 2,701 |
| 155. | 3.9% | Grafton Public School District 3 / 5,091 |
| 156. | 3.6% | Central Valley Public School District 3 / 1,590 |
| 157. | 3.6% | Surrey Public School District 41 / 1,678 |
| 158. | 3.2% | New Rockford-Sheyenne Public School District 2 / 2,339 |
| 159. | 3.1% | St. Thomas Public School District 43 / 461 |
| 160. | 2.8% | Stanley Public School District 2 / 3,249 |
| 161. | 2.8% | Langdon-Milton-Osnabrock School District 23 / 3,101 |
| 162. | 2.7% | Oakes Public School District 41 / 2,782 |
| 163. | 2.6% | Wahpeton Public School District 37 / 9,319 |
| 163. | 2.6% | Center-Stanton Public School District 1 / 1,965 |
| 165. | 2.5% | LaMoure Public School District 8 / 1,711 |
| 166. | 2.2% | Williston Public School District 1 / 20,301 |
| 167. | 1.9% | Nesson Public School District 2 / 1,300 |
| 168. | 1.7% | Griggs County Central School District 18 / 1,840 |
| 169. | 1.6% | McKenzie County Public School District 1 / 5,288 |
| 170. | 1.5% | Mohall-Lansford-Sherwood Public School District 1 / 2,334 |
| 171. | 1.3% | Rolette Public School District 29 / 1,542 |
| 172. | 1.2% | Kulm Public School District 7 / 754 |
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.
