| Rank | Owner Occupied Housing Units with Mortgage Percentage ▼ | School District / Population |
| 1. | 77.6% | Shelby County School District / 278,387 |
| 2. | 76.9% | Rutherford County School District / 154,651 |
| 3. | 76.5% | Williamson County School District / 147,637 |
| 4. | 75.3% | Montgomery County School District / 167,035 |
| 5. | 75.2% | Rutherford County School District in Murfreesboro / 109,164 |
| 5. | 75.2% | Murfreesboro City Elementary School District / 109,164 |
| 7. | 74.6% | Williamson County School District in Franklin / 36,588 |
| 7. | 74.6% | Franklin Special School District / 36,588 |
| 9. | 72.8% | Nashville-Davidson County School District / 629,113 |
| 10. | 71.9% | Tipton County School District / 61,038 |
| 11. | 71.3% | Sumner County School District / 161,206 |
| 12. | 71.0% | Wilson County School District / 84,572 |
| 13. | 70.6% | Memphis City School District / 651,050 |
| 14. | 69.5% | Cheatham County School District / 39,103 |
| 15. | 68.5% | Robertson County School District / 66,143 |
| 16. | 66.9% | Knox County School District / 433,207 |
| 17. | 66.9% | Maryville City School District / 27,433 |
| 18. | 66.8% | Cleveland City School District / 41,461 |
| 19. | 66.0% | Jackson-Madison Consolidated School District / 97,976 |
| 20. | 66.0% | Fayette County School District / 38,370 |
| 21. | 65.7% | Name N/A / 277,334 |
| 22. | 65.6% | Alcoa City School District / 8,321 |
| 23. | 65.5% | Hamilton County School District / 337,023 |
| 24. | 64.4% | Lebanon Special School District / 30,046 |
| 24. | 64.4% | Wilson County School District in Lebanon / 30,046 |
| 26. | 64.2% | Trousdale County School District / 7,827 |
| 26. | 64.2% | Maury County School District / 80,965 |
| 28. | 64.2% | Dayton City Elementary School District / 7,217 |
| 28. | 64.2% | Rhea County School District in Dayton / 7,217 |
| 30. | 62.6% | Washington County School District / 63,001 |
| 31. | 62.5% | Lenoir City School District / 8,634 |
| 32. | 62.5% | Bedford County School District / 45,060 |
| 33. | 62.3% | Etowah City Elementary School District / 3,507 |
| 33. | 62.3% | McMinn County School District in Etowah / 3,507 |
| 35. | 62.3% | Monroe County School District in Sweetwater / 12,141 |
| 35. | 62.3% | Sweetwater City School District / 12,141 |
| 37. | 60.6% | Dyersburg City School District / 17,132 |
| 38. | 60.5% | Gibson County School District / 18,750 |
| 39. | 60.5% | Lexington City Elementary School District / 7,703 |
| 39. | 60.5% | Henderson County School District in Lexington / 7,703 |
| 41. | 60.1% | Dickson County School District / 49,704 |
| 42. | 60.0% | Johnson City School District / 59,839 |
| 43. | 59.8% | Marshall County School District / 30,585 |
| 44. | 59.3% | Dyer County School District / 21,102 |
| 45. | 59.2% | Milan City Special School District / 10,209 |
| 46. | 59.0% | Tullahoma City School District / 17,565 |
| 47. | 59.0% | Oak Ridge City School District / 29,235 |
| 48. | 58.8% | Blount County School District / 87,332 |
| 49. | 58.6% | Humboldt City School District / 8,407 |
| 50. | 58.5% | Bradley County School District / 57,768 |
| 51. | 58.3% | McMinn County School District in Athens / 13,492 |
| 51. | 58.3% | Athens City Elementary School District / 13,492 |
| 53. | 58.1% | Oneida Special School District / 3,117 |
| 54. | 57.5% | Loudon County School District / 39,952 |
| 55. | 57.4% | Lincoln County School District / 26,408 |
| 56. | 57.4% | Henry County School District / 20,874 |
| 57. | 57.2% | Hickman County School District / 24,481 |
| 58. | 57.1% | Putnam County School District / 72,172 |
| 59. | 56.9% | Bristol City School District / 26,482 |
| 60. | 56.9% | Jefferson County School District / 51,541 |
| 61. | 56.8% | Sevier County School District / 90,218 |
| 62. | 56.8% | Obion County School District / 20,886 |
| 63. | 56.6% | Coffee County School District / 25,332 |
| 64. | 56.6% | Haywood County School District / 18,673 |
| 65. | 56.5% | Kingsport City School District / 51,026 |
| 66. | 56.4% | Hardeman County School District / 27,193 |
| 67. | 56.3% | Hamblen County School District / 62,528 |
| 68. | 56.2% | Rhea County School District / 24,600 |
| 69. | 55.6% | Stewart County School District / 13,262 |
| 70. | 55.0% | Bradford Special School District / 3,445 |
| 71. | 54.6% | Monroe County School District / 32,539 |
| 72. | 54.5% | Elizabethton City School District / 14,228 |
| 73. | 54.5% | Huntingdon Special School District / 7,696 |
| 74. | 54.3% | Coffee County School District in Manchester / 9,956 |
| 74. | 54.3% | Manchester City School District / 9,956 |
| 76. | 54.3% | Lauderdale County School District / 27,772 |
| 77. | 54.1% | Cannon County School District / 13,797 |
| 78. | 54.1% | Marion County School District / 27,330 |
| 79. | 53.6% | Lawrence County School District / 41,779 |
| 80. | 53.6% | Giles County School District / 29,439 |
| 81. | 53.3% | Sullivan County School District / 82,036 |
| 82. | 53.3% | Chester County School District / 17,043 |
| 83. | 53.3% | Smith County School District / 19,157 |
| 84. | 53.2% | Franklin County School District / 40,972 |
| 85. | 53.1% | Rogersville Town Elementary School District / 4,414 |
| 85. | 53.1% | Hawkins County School District in Rogersville / 4,414 |
| 87. | 53.0% | DeKalb County School District / 18,770 |
| 88. | 52.8% | Clinton City Elementary School District / 9,827 |
| 88. | 52.8% | Anderson County School District in Clinton / 9,827 |
| 90. | 52.3% | Crockett County School District in Alamo / 4,300 |
| 90. | 52.3% | Alamo Town School District / 4,300 |
| 92. | 52.1% | Greene County School District / 53,538 |
| 93. | 52.0% | Wayne County School District / 17,015 |
| 94. | 52.0% | Anderson County School District / 39,017 |
| 95. | 51.7% | Meigs County School District / 11,696 |
| 96. | 51.6% | Union City School District / 10,835 |
| 97. | 51.4% | Weakley County School District / 34,802 |
| 98. | 51.4% | Warren County School District / 39,767 |
| 99. | 51.4% | Hardin County School District / 25,987 |
| 100. | 51.3% | Sequatchie County School District / 14,173 |
| 101. | 51.3% | Greeneville City School District / 15,217 |
| 102. | 51.1% | White County School District / 25,863 |
| 103. | 51.0% | Cumberland County School District / 56,144 |
| 104. | 51.0% | Roane County School District / 50,987 |
| 105. | 51.0% | Moore County School District / 6,349 |
| 106. | 50.9% | Hawkins County School District / 49,442 |
| 107. | 50.7% | Humphreys County School District / 18,428 |
| 108. | 50.7% | Crockett County School District in Bells / 3,727 |
| 108. | 50.7% | Bells City School District / 3,727 |
| 110. | 50.6% | McMinn County School District / 35,326 |
| 110. | 50.6% | Scott County School District / 19,079 |
| 112. | 50.4% | Henderson County School District / 20,132 |
| 113. | 50.4% | Lewis County School District / 12,050 |
| 114. | 50.1% | Macon County School District / 22,265 |
| 115. | 49.9% | Trenton Special School District / 8,783 |
| 116. | 49.8% | Morgan County School District / 21,882 |
| 117. | 49.6% | Hollow Rock-Bruceton Special School District / 3,812 |
| 118. | 49.4% | Richard City Special School District / 854 |
| 119. | 49.4% | Lake County School District / 7,780 |
| 120. | 48.6% | Fayetteville City Elementary School District / 6,887 |
| 120. | 48.6% | Lincoln County School District in Fayetteville / 6,887 |
| 122. | 48.0% | West Carroll Special District / 7,038 |
| 123. | 48.0% | Houston County School District / 8,375 |
| 124. | 47.6% | Paris City Special School District / 11,397 |
| 124. | 47.6% | Crockett County School District / 6,540 |
| 124. | 47.6% | Henry County School District in Paris / 11,397 |
| 127. | 47.6% | Fentress County School District / 17,945 |
| 128. | 47.4% | Cocke County School District / 28,663 |
| 129. | 47.3% | McNairy County School District / 26,001 |
| 130. | 46.8% | Union County School District / 19,179 |
| 131. | 46.7% | Decatur County School District / 11,732 |
| 132. | 46.4% | Van Buren County School District / 5,552 |
| 133. | 46.3% | Bledsoe County School District / 12,898 |
| 134. | 46.0% | McKenzie Special School District / 7,114 |
| 135. | 45.5% | Campbell County School District / 40,629 |
| 136. | 44.7% | Grainger County School District / 22,613 |
| 137. | 44.6% | Carter County School District / 43,303 |
| 138. | 43.9% | Benton County School District / 16,420 |
| 139. | 43.7% | Overton County School District / 22,040 |
| 140. | 43.6% | Claiborne County School District / 32,025 |
| 141. | 43.5% | Pickett County School District / 5,108 |
| 142. | 43.5% | Johnson County School District / 18,199 |
| 143. | 42.9% | Grundy County School District / 13,751 |
| 144. | 42.9% | South Carroll Special School District / 2,826 |
| 145. | 42.2% | Jackson County School District / 11,526 |
| 146. | 41.8% | Hancock County School District / 6,759 |
| 147. | 41.2% | Polk County School District / 16,756 |
| 148. | 40.6% | Clay County School District / 7,842 |
| 149. | 40.3% | Perry County School District / 7,856 |
| 150. | 39.8% | Unicoi County School District / 18,287 |
| 151. | 36.6% | Cocke County School District in Newport / 6,968 |
| 151. | 36.6% | Newport City Elementary School District / 6,968 |
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.
