| Rank | Owner Occupied Housing Units with Mortgage Percentage ▼ | School District / Population |
| 1. | 79.5% | Shelby County School District / 239,134 |
| 2. | 77.7% | Rutherford County School District / 141,949 |
| 3. | 76.6% | Franklin Special School District / 34,923 |
| 3. | 76.6% | Williamson County School District in Franklin / 34,923 |
| 5. | 76.1% | Williamson County School District / 130,603 |
| 6. | 75.3% | Montgomery County School District / 148,483 |
| 7. | 74.5% | Murfreesboro City Elementary School District / 98,232 |
| 8. | 74.5% | Rutherford County School District in Murfreesboro / 97,870 |
| 9. | 72.5% | Nashville-Davidson County School District / 621,465 |
| 10. | 72.1% | Memphis City School District / 679,052 |
| 11. | 71.4% | Tipton County School District / 57,543 |
| 12. | 71.0% | Wilson County School District / 79,216 |
| 13. | 70.9% | Sumner County School District / 151,874 |
| 14. | 69.2% | Cheatham County School District / 39,042 |
| 15. | 69.0% | Rhea County School District in Dayton / 6,727 |
| 15. | 69.0% | Dayton City Elementary School District / 6,727 |
| 17. | 68.4% | Robertson County School District / 63,521 |
| 18. | 67.6% | Jackson-Madison Consolidated School District / 96,346 |
| 19. | 67.4% | Knox County School District / 423,655 |
| 20. | 67.2% | Maryville City School District / 26,533 |
| 21. | 67.1% | Fayette County School District / 36,820 |
| 22. | 65.8% | Name N/A / 260,879 |
| 23. | 65.4% | Hamilton County School District / 330,941 |
| 24. | 65.4% | McMinn County School District in Etowah / 3,736 |
| 24. | 65.4% | Etowah City Elementary School District / 3,736 |
| 26. | 65.3% | Maury County School District / 80,190 |
| 27. | 64.7% | Lenoir City School District / 7,861 |
| 28. | 64.5% | Marshall County School District / 29,297 |
| 29. | 64.4% | Lebanon Special School District / 27,256 |
| 29. | 64.4% | Wilson County School District in Lebanon / 27,256 |
| 31. | 63.4% | Bedford County School District / 44,291 |
| 32. | 63.3% | Dyer County School District / 20,471 |
| 33. | 63.3% | Dyersburg City School District / 17,227 |
| 34. | 63.1% | Bradley County School District / 55,931 |
| 35. | 62.9% | Cleveland City School District / 39,253 |
| 36. | 62.4% | Haywood County School District / 19,155 |
| 37. | 61.8% | Dickson County School District / 47,140 |
| 38. | 61.4% | Manchester City School District / 9,755 |
| 38. | 61.4% | Coffee County School District in Manchester / 9,755 |
| 40. | 61.4% | Johnson City School District / 58,266 |
| 41. | 60.7% | Alcoa City School District / 8,613 |
| 41. | 60.7% | Washington County School District / 58,484 |
| 43. | 60.5% | Jefferson County School District / 50,116 |
| 44. | 60.5% | Blount County School District / 84,343 |
| 45. | 59.9% | Bristol City School District / 25,468 |
| 46. | 59.0% | Hardeman County School District / 27,759 |
| 47. | 58.9% | Oak Ridge City School District / 24,355 |
| 48. | 58.6% | Sweetwater City School District / 12,146 |
| 48. | 58.6% | Monroe County School District in Sweetwater / 12,146 |
| 50. | 58.6% | Henderson County School District in Lexington / 7,745 |
| 50. | 58.6% | Lexington City Elementary School District / 7,745 |
| 52. | 58.5% | Hamblen County School District / 61,698 |
| 53. | 58.2% | Loudon County School District / 37,315 |
| 54. | 58.0% | Giles County School District / 29,075 |
| 55. | 57.8% | Athens City Elementary School District / 14,077 |
| 55. | 57.8% | McMinn County School District in Athens / 14,077 |
| 57. | 57.7% | Coffee County School District / 24,344 |
| 58. | 57.7% | Huntingdon Special School District / 7,414 |
| 59. | 57.6% | Elizabethton City School District / 13,806 |
| 60. | 57.6% | Lincoln County School District / 25,672 |
| 61. | 57.4% | Trousdale County School District / 7,682 |
| 62. | 57.4% | Lauderdale County School District / 26,568 |
| 63. | 57.1% | Humboldt City School District / 9,125 |
| 64. | 56.9% | Henry County School District / 20,106 |
| 65. | 56.8% | Gibson County School District / 17,140 |
| 66. | 56.3% | Lewis County School District / 11,466 |
| 67. | 56.1% | Crockett County School District in Bells / 2,286 |
| 67. | 56.1% | Bells City School District / 2,286 |
| 69. | 56.0% | Sevier County School District / 83,448 |
| 70. | 55.7% | Scott County School District / 18,981 |
| 71. | 55.6% | Chester County School District / 16,106 |
| 72. | 55.5% | Milan City Special School District / 10,176 |
| 73. | 55.5% | Pickett County School District / 4,803 |
| 74. | 54.8% | Sullivan County School District / 86,411 |
| 75. | 54.7% | Lawrence County School District / 40,899 |
| 76. | 54.6% | Kingsport City School District / 44,494 |
| 77. | 54.6% | Franklin County School District / 41,021 |
| 78. | 54.5% | Tullahoma City School District / 17,595 |
| 79. | 54.5% | Smith County School District / 18,863 |
| 80. | 54.4% | Monroe County School District / 32,456 |
| 81. | 54.4% | Marion County School District / 27,087 |
| 82. | 54.3% | Paris City Special School District / 11,461 |
| 82. | 54.3% | Henry County School District in Paris / 11,461 |
| 84. | 54.1% | Oneida Special School District / 2,871 |
| 85. | 54.0% | Roane County School District / 53,186 |
| 85. | 54.0% | Stewart County School District / 13,078 |
| 87. | 53.9% | Rhea County School District / 23,906 |
| 88. | 53.6% | Cannon County School District / 13,505 |
| 89. | 53.6% | Anderson County School District / 39,520 |
| 90. | 53.5% | Warren County School District / 39,915 |
| 91. | 53.2% | Bradford Special School District / 3,496 |
| 92. | 53.2% | Alamo Town School District / 4,225 |
| 92. | 53.2% | Crockett County School District in Alamo / 4,225 |
| 94. | 52.9% | Union City School District / 10,535 |
| 95. | 52.8% | Greene County School District / 50,356 |
| 96. | 52.5% | Putnam County School District / 69,938 |
| 97. | 52.5% | Henderson County School District / 18,942 |
| 98. | 52.4% | Macon County School District / 21,708 |
| 99. | 52.4% | Obion County School District / 21,075 |
| 100. | 52.1% | Weakley County School District / 33,389 |
| 101. | 52.1% | White County School District / 24,897 |
| 102. | 51.9% | McMinn County School District / 34,242 |
| 103. | 51.7% | Humphreys County School District / 18,151 |
| 104. | 51.6% | Hawkins County School District / 49,607 |
| 105. | 51.5% | Trenton Special School District / 8,649 |
| 106. | 51.3% | DeKalb County School District / 18,624 |
| 107. | 51.3% | Sequatchie County School District / 13,377 |
| 108. | 51.3% | Lake County School District / 7,404 |
| 109. | 50.7% | Overton County School District / 20,816 |
| 110. | 50.5% | Cumberland County School District / 52,852 |
| 111. | 50.2% | West Carroll Special District / 7,230 |
| 112. | 50.1% | Morgan County School District / 19,294 |
| 113. | 49.8% | Union County School District / 18,927 |
| 114. | 49.6% | Anderson County School District in Clinton / 9,507 |
| 114. | 49.6% | Clinton City Elementary School District / 9,507 |
| 116. | 49.6% | South Carroll Special School District / 2,547 |
| 117. | 49.5% | Bledsoe County School District / 12,941 |
| 118. | 49.3% | Cocke County School District / 27,986 |
| 119. | 49.2% | Hawkins County School District in Rogersville / 4,291 |
| 119. | 49.2% | Rogersville Town Elementary School District / 4,291 |
| 121. | 49.2% | McKenzie Special School District / 7,646 |
| 122. | 49.0% | Jackson County School District / 10,896 |
| 123. | 48.8% | Moore County School District / 6,044 |
| 124. | 48.5% | Meigs County School District / 11,747 |
| 125. | 48.4% | Crockett County School District / 7,897 |
| 126. | 48.2% | Fentress County School District / 17,412 |
| 127. | 48.1% | Hickman County School District / 23,670 |
| 128. | 47.8% | Wayne County School District / 16,592 |
| 129. | 47.3% | McNairy County School District / 25,436 |
| 130. | 47.2% | Campbell County School District / 40,646 |
| 131. | 46.8% | Grundy County School District / 14,262 |
| 132. | 46.7% | Clay County School District / 7,937 |
| 133. | 46.2% | Johnson County School District / 18,019 |
| 134. | 46.1% | Carter County School District / 45,149 |
| 135. | 45.9% | Claiborne County School District / 31,081 |
| 136. | 45.7% | Grainger County School District / 22,549 |
| 137. | 45.6% | Hardin County School District / 26,093 |
| 138. | 45.3% | Decatur County School District / 11,472 |
| 139. | 45.3% | Lincoln County School District in Fayetteville / 7,092 |
| 139. | 45.3% | Fayetteville City Elementary School District / 7,092 |
| 141. | 45.2% | Greeneville City School District / 15,342 |
| 142. | 44.7% | Van Buren County School District / 5,423 |
| 143. | 43.1% | Hollow Rock-Bruceton Special School District / 3,849 |
| 144. | 43.0% | Houston County School District / 8,041 |
| 145. | 42.5% | Hancock County School District / 6,633 |
| 146. | 42.4% | Richard City Special School District / 873 |
| 147. | 42.2% | Benton County School District / 16,130 |
| 148. | 41.0% | Polk County School District / 15,735 |
| 149. | 39.0% | Perry County School District / 7,694 |
| 150. | 38.6% | Unicoi County School District / 17,686 |
| 151. | 36.0% | Newport City Elementary School District / 7,420 |
| 151. | 36.0% | Cocke County School District in Newport / 7,420 |
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.
