| Rank | Owner Occupied Housing Units with Mortgage Percentage ▼ | School District / Population |
| 1. | 78.9% | Shelby County School District / 267,820 |
| 2. | 76.9% | Rutherford County School District / 147,702 |
| 3. | 76.6% | Williamson County School District / 139,155 |
| 4. | 76.0% | Montgomery County School District / 157,952 |
| 5. | 75.7% | Williamson County School District in Franklin / 35,105 |
| 5. | 75.7% | Franklin Special School District / 35,105 |
| 7. | 75.0% | Murfreesboro City Elementary School District / 102,815 |
| 7. | 75.0% | Rutherford County School District in Murfreesboro / 102,815 |
| 9. | 73.2% | Nashville-Davidson County School District / 612,884 |
| 10. | 71.8% | Memphis City School District / 654,876 |
| 11. | 70.9% | Sumner County School District / 155,592 |
| 12. | 70.8% | Wilson County School District / 81,222 |
| 13. | 70.7% | Tipton County School District / 59,689 |
| 14. | 70.0% | Cheatham County School District / 38,809 |
| 15. | 69.9% | Robertson County School District / 64,347 |
| 16. | 68.4% | Dayton City Elementary School District / 7,118 |
| 16. | 68.4% | Rhea County School District in Dayton / 7,118 |
| 18. | 68.0% | Fayette County School District / 37,458 |
| 19. | 67.9% | Lenoir City School District / 8,360 |
| 20. | 67.3% | Knox County School District / 423,748 |
| 21. | 66.6% | Jackson-Madison Consolidated School District / 97,378 |
| 22. | 65.8% | Name N/A / 267,239 |
| 23. | 65.6% | Hamilton County School District / 328,960 |
| 24. | 65.3% | Marshall County School District / 29,902 |
| 25. | 65.2% | McMinn County School District in Etowah / 3,540 |
| 25. | 65.2% | Etowah City Elementary School District / 3,540 |
| 27. | 65.0% | Maury County School District / 79,029 |
| 28. | 64.9% | Cleveland City School District / 40,507 |
| 29. | 64.7% | Maryville City School District / 26,864 |
| 30. | 64.1% | Dyersburg City School District / 17,213 |
| 31. | 64.1% | Oneida Special School District / 3,241 |
| 32. | 63.7% | Alcoa City School District / 8,355 |
| 33. | 63.4% | Bedford County School District / 44,172 |
| 34. | 63.2% | Wilson County School District in Lebanon / 28,341 |
| 34. | 63.2% | Lebanon Special School District / 28,341 |
| 36. | 62.3% | Bradley County School District / 56,685 |
| 37. | 61.6% | Dickson County School District / 48,712 |
| 38. | 61.5% | Manchester City School District / 9,812 |
| 38. | 61.5% | Coffee County School District in Manchester / 9,812 |
| 40. | 60.9% | Washington County School District / 61,098 |
| 41. | 60.9% | Henderson County School District in Lexington / 7,641 |
| 41. | 60.9% | Lexington City Elementary School District / 7,641 |
| 43. | 60.8% | Haywood County School District / 19,010 |
| 44. | 60.2% | Johnson City School District / 58,670 |
| 45. | 59.9% | Milan City Special School District / 9,831 |
| 45. | 59.9% | Blount County School District / 85,921 |
| 47. | 59.8% | Dyer County School District / 20,961 |
| 48. | 59.6% | Jefferson County School District / 50,600 |
| 49. | 59.5% | Bristol City School District / 26,311 |
| 50. | 59.5% | Lauderdale County School District / 27,745 |
| 51. | 59.3% | Hardeman County School District / 27,655 |
| 52. | 59.1% | Crockett County School District in Alamo / 4,410 |
| 52. | 59.1% | Alamo Town School District / 4,410 |
| 54. | 58.7% | Huntingdon Special School District / 7,458 |
| 55. | 58.5% | Monroe County School District in Sweetwater / 11,777 |
| 55. | 58.5% | Sweetwater City School District / 11,777 |
| 57. | 58.2% | Oak Ridge City School District / 28,925 |
| 58. | 58.1% | Lincoln County School District / 26,043 |
| 59. | 58.0% | Loudon County School District / 38,742 |
| 60. | 57.9% | Hamblen County School District / 61,857 |
| 61. | 57.2% | Elizabethton City School District / 14,306 |
| 62. | 57.1% | Sevier County School District / 87,507 |
| 63. | 57.1% | McMinn County School District in Athens / 13,491 |
| 63. | 57.1% | Athens City Elementary School District / 13,491 |
| 65. | 56.9% | Henry County School District / 20,336 |
| 66. | 56.7% | Bradford Special School District / 3,332 |
| 67. | 56.7% | Trousdale County School District / 7,751 |
| 68. | 56.3% | Humboldt City School District / 8,504 |
| 69. | 56.2% | Coffee County School District / 25,111 |
| 70. | 56.0% | Giles County School District / 29,558 |
| 70. | 56.0% | Gibson County School District / 18,613 |
| 72. | 55.9% | Stewart County School District / 13,133 |
| 73. | 55.9% | Rhea County School District / 24,097 |
| 74. | 55.8% | Tullahoma City School District / 17,421 |
| 75. | 55.5% | Union City School District / 10,839 |
| 76. | 55.3% | Lawrence County School District / 41,319 |
| 77. | 54.9% | Franklin County School District / 41,054 |
| 78. | 54.9% | Monroe County School District / 32,238 |
| 79. | 54.9% | Greene County School District / 52,861 |
| 80. | 54.3% | Putnam County School District / 70,570 |
| 81. | 54.0% | Sullivan County School District / 83,423 |
| 82. | 53.9% | McKenzie Special School District / 7,717 |
| 83. | 53.8% | Scott County School District / 18,930 |
| 84. | 53.7% | Henry County School District in Paris / 11,706 |
| 84. | 53.7% | Paris City Special School District / 11,706 |
| 86. | 53.7% | Humphreys County School District / 18,416 |
| 87. | 53.5% | Roane County School District / 51,127 |
| 88. | 53.5% | Lewis County School District / 12,003 |
| 89. | 53.4% | Marion County School District / 27,267 |
| 90. | 53.4% | Obion County School District / 21,066 |
| 91. | 53.4% | Chester County School District / 16,793 |
| 92. | 53.2% | Anderson County School District / 38,617 |
| 93. | 53.2% | Morgan County School District / 21,664 |
| 94. | 53.2% | Kingsport City School District / 48,954 |
| 95. | 52.8% | Hawkins County School District / 49,270 |
| 96. | 52.7% | Warren County School District / 39,539 |
| 97. | 52.5% | Cannon County School District / 13,631 |
| 98. | 52.3% | White County School District / 25,460 |
| 99. | 51.9% | Henderson County School District / 19,877 |
| 100. | 51.7% | Bells City School District / 3,455 |
| 100. | 51.7% | Crockett County School District in Bells / 3,455 |
| 102. | 51.6% | DeKalb County School District / 18,569 |
| 103. | 51.6% | South Carroll Special School District / 2,708 |
| 104. | 50.9% | McMinn County School District / 35,044 |
| 105. | 50.7% | Hickman County School District / 24,506 |
| 105. | 50.7% | Cumberland County School District / 54,977 |
| 107. | 50.5% | Macon County School District / 21,934 |
| 108. | 50.4% | Weakley County School District / 34,557 |
| 109. | 50.3% | Smith County School District / 19,035 |
| 110. | 49.7% | Sequatchie County School District / 13,814 |
| 111. | 49.5% | Anderson County School District in Clinton / 9,744 |
| 111. | 49.5% | Clinton City Elementary School District / 9,744 |
| 113. | 49.4% | Union County School District / 19,088 |
| 114. | 49.3% | West Carroll Special District / 6,952 |
| 115. | 49.2% | Lake County School District / 7,827 |
| 116. | 49.1% | Pickett County School District / 5,072 |
| 117. | 49.1% | Cocke County School District / 28,450 |
| 118. | 48.9% | Meigs County School District / 11,581 |
| 119. | 48.7% | Jackson County School District / 11,491 |
| 120. | 48.6% | McNairy County School District / 25,760 |
| 121. | 48.3% | Moore County School District / 6,266 |
| 122. | 48.0% | Hardin County School District / 25,995 |
| 123. | 48.0% | Van Buren County School District / 5,503 |
| 124. | 47.9% | Crockett County School District / 6,659 |
| 125. | 47.7% | Hawkins County School District in Rogersville / 4,419 |
| 125. | 47.7% | Rogersville Town Elementary School District / 4,419 |
| 127. | 47.6% | Trenton Special School District / 8,735 |
| 128. | 47.3% | Overton County School District / 21,777 |
| 129. | 47.3% | Campbell County School District / 40,623 |
| 130. | 47.3% | Greeneville City School District / 15,311 |
| 131. | 47.2% | Wayne County School District / 17,016 |
| 132. | 47.0% | Fentress County School District / 17,777 |
| 133. | 46.9% | Decatur County School District / 11,716 |
| 134. | 46.2% | Houston County School District / 8,286 |
| 135. | 45.9% | Grundy County School District / 13,910 |
| 136. | 45.8% | Grainger County School District / 22,419 |
| 137. | 45.8% | Richard City Special School District / 856 |
| 138. | 45.4% | Lincoln County School District in Fayetteville / 6,842 |
| 138. | 45.4% | Fayetteville City Elementary School District / 6,842 |
| 140. | 44.7% | Claiborne County School District / 31,901 |
| 141. | 44.6% | Carter County School District / 43,404 |
| 142. | 44.5% | Hollow Rock-Bruceton Special School District / 3,809 |
| 143. | 44.4% | Benton County School District / 16,456 |
| 144. | 44.4% | Johnson County School District / 18,190 |
| 145. | 44.3% | Clay County School District / 7,888 |
| 146. | 44.1% | Hancock County School District / 6,782 |
| 147. | 42.4% | Bledsoe County School District / 12,946 |
| 148. | 39.8% | Newport City Elementary School District / 7,023 |
| 148. | 39.8% | Cocke County School District in Newport / 7,023 |
| 150. | 38.5% | Unicoi County School District / 18,257 |
| 151. | 38.5% | Polk County School District / 16,690 |
| 152. | 37.8% | Perry County School District / 7,778 |
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.
