| Rank | Owner Occupied Housing Units with Mortgage Percentage ▼ | School District / Population |
| 1. | 89.5% | Tea Area School District 41-5 / 6,587 |
| 2. | 87.0% | Harrisburg School District 41-2 / 11,628 |
| 3. | 77.5% | Brandon Valley School District 49-2 / 14,324 |
| 4. | 74.8% | West Central School District 49-7 / 5,388 |
| 5. | 72.5% | Canton School District 41-1 / 6,718 |
| 6. | 71.9% | Sioux Falls School District 49-5 / 147,374 |
| 7. | 71.4% | Baltic School District 49-1 / 1,776 |
| 8. | 71.1% | Tri-Valley School District 49-6 / 4,217 |
| 9. | 70.6% | Lennox School District 41-4 / 7,284 |
| 10. | 68.8% | Dakota Valley School District 61-8 / 5,839 |
| 11. | 67.7% | Rapid City School District 51-4 / 86,808 |
| 12. | 65.9% | Douglas School District 51-1 / 10,803 |
| 13. | 65.0% | Watertown School District 14-4 / 23,847 |
| 14. | 64.9% | Pierre School District 32-2 / 15,784 |
| 15. | 64.2% | Meade School District 46-1 / 17,737 |
| 16. | 62.9% | Hill City School District 51-2 / 3,230 |
| 17. | 62.2% | Colman-Egan School District 50-5 / 1,855 |
| 18. | 62.1% | Florence School District 14-1 / 893 |
| 19. | 62.0% | Elk Point-Jefferson School District 61-7 / 4,009 |
| 20. | 61.9% | Brookings School District 05-1 / 23,113 |
| 21. | 61.6% | Garretson School District 49-4 / 2,459 |
| 22. | 61.2% | Gayville-Volin School District 63-1 / 1,262 |
| 23. | 61.0% | Warner School District 06-5 / 836 |
| 24. | 60.8% | Mitchell School District 17-2 / 17,608 |
| 25. | 60.7% | Spearfish School District 40-2 / 14,927 |
| 26. | 60.2% | Arlington School District 38-1 / 1,776 |
| 27. | 60.2% | Vermillion School District 13-1 / 11,829 |
| 28. | 60.0% | Aberdeen School District 06-1 / 29,441 |
| 29. | 59.8% | Yankton School District 63-3 / 19,111 |
| 30. | 59.8% | Parker School District 60-4 / 1,897 |
| 31. | 59.7% | Castlewood School District 28-1 / 1,175 |
| 32. | 58.2% | Flandreau School District 50-3 / 3,862 |
| 33. | 57.9% | Elkton School District 05-3 / 1,511 |
| 34. | 57.8% | Beresford School District 61-2 / 3,234 |
| 35. | 57.4% | Milbank School District 25-4 / 5,205 |
| 36. | 57.2% | Dell Rapids School District 49-3 / 4,573 |
| 37. | 56.7% | New Underwood School District 51-3 / 1,394 |
| 38. | 56.6% | Greater Hoyt School District 61-4 / 304 |
| 39. | 56.3% | Huron School District 02-2 / 13,649 |
| 40. | 56.1% | Stanley County School District 57-1 / 2,775 |
| 41. | 55.6% | Chamberlain School District 07-1 / 6,258 |
| 42. | 55.2% | Sioux Valley School District 05-5 / 3,296 |
| 43. | 54.9% | Madison Central School District 39-2 / 8,824 |
| 44. | 54.6% | Deuel School District 19-4 / 3,091 |
| 45. | 54.4% | Newell School District 09-2 / 2,696 |
| 46. | 54.3% | Ipswich School District 22-6 / 2,238 |
| 47. | 53.6% | Hot Springs School District 23-2 / 6,116 |
| 48. | 53.5% | Canistota School District 43-1 / 1,126 |
| 49. | 53.5% | Lead-Deadwood School District 40-1 / 6,664 |
| 49. | 53.5% | Chester School District 39-1 / 1,743 |
| 51. | 53.3% | Greater Scott School District 61-5 / 121 |
| 52. | 53.0% | Alcester-Hudson School District 61-1 / 2,345 |
| 53. | 52.4% | Custer School District 16-1 / 7,499 |
| 54. | 52.3% | Hamlin School District 28-3 / 3,230 |
| 55. | 52.3% | Hanson School District 30-1 / 1,887 |
| 56. | 51.6% | Centerville School District 60-1 / 1,803 |
| 57. | 51.6% | Montrose School District 43-2 / 1,262 |
| 58. | 51.5% | Estelline School District 28-2 / 1,875 |
| 59. | 50.8% | McCook Central School District 43-7 / 2,153 |
| 60. | 50.7% | Irene-Wakonda School District 13-3 / 2,206 |
| 61. | 50.4% | Name N/A / 573 |
| 62. | 49.7% | Belle Fourche School District 09-1 / 6,846 |
| 63. | 49.3% | Grant-Deuel School District 25-3 / 1,076 |
| 64. | 49.1% | Webster School District 18-4 / 2,702 |
| 65. | 48.9% | Name N/A / 476 |
| 66. | 48.2% | Deubrook School District 05-6 / 1,842 |
| 67. | 47.2% | Mount Vernon School District 17-3 / 1,059 |
| 68. | 47.0% | Waverly School District 14-5 / 496 |
| 69. | 45.8% | Big Stone City School District 25-1 / 749 |
| 70. | 45.6% | Summit School District 54-6 / 557 |
| 71. | 45.3% | Woonsocket School District 55-4 / 1,361 |
| 72. | 45.3% | Britton-Hecla School District 45-4 / 3,096 |
| 73. | 45.2% | Hurley School District 60-2 / 840 |
| 74. | 45.1% | Name N/A / 2,842 |
| 75. | 44.8% | Bon Homme School District 04-2 / 4,722 |
| 76. | 44.7% | Parkston School District 33-3 / 2,955 |
| 77. | 44.5% | Name N/A / 3,522 |
| 78. | 44.5% | Sisseton School District 54-2 / 7,463 |
| 79. | 44.4% | McLaughlin School District 15-2 / 2,430 |
| 80. | 44.4% | Ethan School District 17-1 / 838 |
| 81. | 44.2% | Eagle Butte School District 20-1 / 4,823 |
| 82. | 43.9% | Wilmot School District 54-7 / 1,846 |
| 83. | 43.8% | Viborg School District 60-5 / 1,504 |
| 84. | 43.1% | Iroquois School District 02-3 / 1,115 |
| 85. | 43.0% | Henry School District 14-2 / 511 |
| 86. | 42.8% | Agar-Blunt-Onida School District 58-3 / 1,995 |
| 87. | 42.3% | Redfield School District 56-4 / 3,552 |
| 88. | 41.9% | Bridgewater School District 43-6 / 975 |
| 89. | 41.3% | Groton Area School District 06-6 / 3,840 |
| 90. | 41.1% | Freeman School District 33-1 / 2,439 |
| 91. | 41.0% | Clark School District 12-2 / 2,327 |
| 92. | 41.0% | Colome Consolidated School District 59-3 / 1,267 |
| 93. | 40.8% | Rutland School District 39-4 / 701 |
| 94. | 40.7% | Platte-Geddes School District 11-5 / 3,159 |
| 95. | 40.5% | Oldham-Ramona School District 39-5 / 926 |
| 96. | 40.0% | Howard School District 48-3 / 2,214 |
| 97. | 39.8% | Name N/A / 1,453 |
| 98. | 39.4% | Frederick Area School District 06-2 / 1,005 |
| 99. | 39.4% | Jones County School District 37-3 / 1,053 |
| 100. | 39.3% | Lake Preston School District 38-3 / 1,239 |
| 101. | 39.2% | Wagner School District 11-4 / 3,846 |
| 102. | 39.0% | Plankinton School District 01-1 / 1,305 |
| 103. | 38.9% | Gregory School District 26-4 / 2,129 |
| 104. | 38.8% | Dupree School District 64-2 / 1,729 |
| 105. | 38.7% | Wall School District 51-5 / 1,810 |
| 106. | 38.5% | Avon School District 04-1 / 1,393 |
| 107. | 38.5% | Emery School District 30-2 / 1,038 |
| 108. | 38.4% | Haakon School District 27-1 / 1,624 |
| 109. | 38.1% | Wolsey-Wessington School District 02-6 / 1,155 |
| 110. | 37.7% | Bennett County School District 03-1 / 3,408 |
| 111. | 37.1% | Marion School District 60-3 / 1,581 |
| 112. | 36.6% | Elk Mountain School District 16-2 / 326 |
| 113. | 36.6% | Roslyn School District 18-2 / 736 |
| 114. | 36.1% | Winner School District 59-2 / 4,297 |
| 115. | 36.1% | Waubay School District 18-3 / 1,190 |
| 116. | 36.0% | Sanborn Central School District 55-5 / 1,210 |
| 117. | 35.7% | Lyman School District 42-1 / 3,138 |
| 118. | 35.7% | Langford School District 45-2 / 1,325 |
| 119. | 35.3% | Name N/A / 149 |
| 120. | 35.1% | Northwestern Area School District 56-7 / 1,569 |
| 121. | 35.0% | Leola School District 44-2 / 1,157 |
| 122. | 34.8% | Edgemont School District 23-1 / 1,082 |
| 123. | 34.5% | Burke School District 26-2 / 1,127 |
| 124. | 34.5% | De Smet School District 38-2 / 1,762 |
| 125. | 34.2% | White Lake School District 01-3 / 901 |
| 126. | 34.2% | Kimball School District 07-2 / 1,343 |
| 127. | 34.2% | Bowdle School District 22-1 / 795 |
| 128. | 34.1% | Rosholt School District 54-4 / 925 |
| 129. | 33.7% | Willow Lake School District 12-3 / 1,180 |
| 130. | 33.6% | Stickney School District 01-2 / 640 |
| 131. | 33.6% | Faith School District 46-2 / 652 |
| 132. | 33.5% | Kadoka School District 35-2 / 2,941 |
| 133. | 33.5% | Edmunds Central School District 22-5 / 1,136 |
| 134. | 33.5% | Bison School District 52-1 / 1,038 |
| 135. | 33.3% | Gettysburg School District 53-1 / 1,354 |
| 135. | 33.3% | Menno School District 33-2 / 1,491 |
| 137. | 32.9% | Lemmon School District 52-4 / 1,654 |
| 138. | 32.8% | Doland School District 56-2 / 965 |
| 139. | 31.5% | Scotland School District 04-3 / 1,850 |
| 140. | 31.4% | Oelrichs School District 23-3 / 347 |
| 141. | 31.2% | Corsica School District 21-2 / 1,123 |
| 142. | 31.1% | Timber Lake School District 20-3 / 1,456 |
| 143. | 29.9% | McIntosh School District 15-1 / 1,176 |
| 144. | 29.4% | Todd County School District 66-1 / 9,997 |
| 145. | 29.3% | Harding County School District 31-1 / 1,205 |
| 146. | 29.2% | Armour School District 21-1 / 931 |
| 147. | 29.2% | Faulkton School District 24-4 / 2,010 |
| 148. | 28.5% | Tripp-Delmont School District 33-5 / 1,782 |
| 149. | 27.7% | Name N/A / 573 |
| 150. | 26.9% | Selby School District 62-5 / 1,842 |
| 151. | 26.8% | Andes Central School District 11-1 / 1,828 |
| 152. | 25.9% | White River School District 47-1 / 1,687 |
| 153. | 25.7% | Hitchcock-Tulare School District 56-6 / 1,365 |
| 154. | 25.0% | Name N/A / 458 |
| 155. | 22.9% | South Central School District 26-5 / 941 |
| 156. | 22.7% | Name N/A / 462 |
| 157. | 21.9% | Wessington Springs School District 36-2 / 1,873 |
| 158. | 21.1% | Name N/A / 365 |
| 159. | 21.1% | Smee School District 15-3 / 340 |
| 160. | 20.1% | Hoven School District 53-2 / 957 |
| 161. | 19.9% | Eureka School District 44-1 / 1,404 |
| 162. | 19.6% | Name N/A / 159 |
| 163. | 14.2% | Shannon County School District 65-1 / 13,593 |
| 164. | 13.3% | Name N/A / 248 |
| 165. | 13.2% | Herreid School District 10-1 / 576 |
Please note that we only rank locations with 'Owner Occupied Housing Units with Mortgage Percentage' data. The rank above might not be a complete list. Locations without 'Owner Occupied Housing Units with Mortgage Percentage' 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.
