| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 39.1% | Alcoa City School District / 8,178 |
| 2. | 31.0% | Hardeman County School District / 26,560 |
| 3. | 30.6% | Humboldt City School District / 8,334 |
| 4. | 28.7% | Jackson County School District / 11,555 |
| 5. | 28.1% | Hardin County School District / 25,969 |
| 6. | 27.8% | Cocke County School District in Newport / 6,890 |
| 6. | 27.8% | Newport City Elementary School District / 6,890 |
| 8. | 27.1% | Crockett County School District in Alamo / 4,215 |
| 8. | 27.1% | Alamo Town School District / 4,215 |
| 10. | 26.4% | Haywood County School District / 18,389 |
| 11. | 26.0% | Grundy County School District / 13,574 |
| 12. | 25.8% | Hollow Rock-Bruceton Special School District / 4,123 |
| 13. | 25.4% | Scott County School District / 18,990 |
| 14. | 24.9% | Cocke County School District / 28,563 |
| 15. | 24.8% | Trousdale County School District / 7,859 |
| 16. | 24.7% | Meigs County School District / 11,694 |
| 17. | 24.6% | Milan City Special School District / 9,967 |
| 18. | 24.5% | Cannon County School District / 13,786 |
| 19. | 24.0% | Johnson County School District / 18,089 |
| 20. | 23.9% | Sequatchie County School District / 14,431 |
| 21. | 23.5% | Perry County School District / 7,851 |
| 22. | 23.3% | Hancock County School District / 6,706 |
| 23. | 23.1% | Lauderdale County School District / 27,619 |
| 24. | 23.0% | Lewis County School District / 12,010 |
| 25. | 22.9% | Pickett County School District / 5,101 |
| 26. | 22.9% | Benton County School District / 16,345 |
| 27. | 22.8% | Hawkins County School District in Rogersville / 4,410 |
| 27. | 22.8% | Rogersville Town Elementary School District / 4,410 |
| 29. | 22.8% | Polk County School District / 16,715 |
| 30. | 22.8% | Bledsoe County School District / 13,240 |
| 31. | 22.7% | Fentress County School District / 17,922 |
| 32. | 22.4% | Claiborne County School District / 31,841 |
| 33. | 21.7% | Fayette County School District / 38,664 |
| 34. | 21.6% | Macon County School District / 22,582 |
| 35. | 21.5% | Stewart County School District / 13,311 |
| 36. | 21.4% | Henry County School District in Paris / 11,518 |
| 36. | 21.4% | Paris City Special School District / 11,518 |
| 38. | 21.4% | Van Buren County School District / 5,578 |
| 39. | 21.3% | Clay County School District / 7,802 |
| 40. | 21.2% | Giles County School District / 29,064 |
| 41. | 20.9% | Bristol City School District / 26,608 |
| 41. | 20.9% | Wayne County School District / 16,967 |
| 43. | 20.9% | Marion County School District / 27,286 |
| 44. | 20.8% | Elizabethton City School District / 14,322 |
| 45. | 20.7% | Decatur County School District / 11,675 |
| 46. | 20.6% | Name N/A / 936,130 |
| 47. | 20.5% | McKenzie Special School District / 7,438 |
| 48. | 20.5% | Franklin County School District / 41,069 |
| 49. | 20.4% | Jefferson County School District / 52,166 |
| 50. | 20.3% | Obion County School District / 20,603 |
| 51. | 20.3% | Unicoi County School District / 18,175 |
| 52. | 20.2% | Campbell County School District / 40,361 |
| 53. | 20.2% | Morgan County School District / 21,866 |
| 54. | 20.2% | Houston County School District / 8,356 |
| 55. | 20.1% | Putnam County School District / 73,237 |
| 56. | 19.9% | Coffee County School District / 25,575 |
| 57. | 19.8% | Loudon County School District / 40,980 |
| 58. | 19.7% | Grainger County School District / 22,724 |
| 59. | 19.6% | Blount County School District / 88,700 |
| 59. | 19.6% | Union County School District / 19,139 |
| 61. | 19.5% | Hamblen County School District / 62,863 |
| 62. | 19.4% | DeKalb County School District / 18,968 |
| 63. | 19.3% | Cumberland County School District / 57,064 |
| 64. | 19.2% | Carter County School District / 42,976 |
| 65. | 19.0% | McNairy County School District / 26,138 |
| 66. | 18.9% | Sevier County School District / 92,561 |
| 67. | 18.8% | Monroe County School District in Sweetwater / 12,004 |
| 67. | 18.8% | Sweetwater City School District / 12,004 |
| 69. | 18.8% | Jackson-Madison Consolidated School District / 98,364 |
| 70. | 18.8% | Greene County School District / 53,578 |
| 71. | 18.7% | Monroe County School District / 32,998 |
| 72. | 18.7% | Maury County School District / 82,729 |
| 73. | 18.7% | Williamson County School District in Franklin / 36,816 |
| 73. | 18.7% | Franklin Special School District / 36,816 |
| 75. | 18.6% | Hickman County School District / 24,354 |
| 75. | 18.6% | Tullahoma City School District / 17,454 |
| 77. | 18.6% | White County School District / 26,086 |
| 78. | 18.5% | Huntingdon Special School District / 7,163 |
| 79. | 18.4% | Lincoln County School District / 26,507 |
| 80. | 18.4% | Athens City Elementary School District / 13,603 |
| 80. | 18.4% | McMinn County School District in Athens / 13,603 |
| 82. | 18.3% | Lake County School District / 7,725 |
| 83. | 18.2% | McMinn County School District in Etowah / 3,498 |
| 83. | 18.2% | Etowah City Elementary School District / 3,498 |
| 85. | 18.1% | Nashville-Davidson County School District / 648,048 |
| 86. | 18.0% | Dickson County School District / 50,115 |
| 87. | 18.0% | Lawrence County School District / 42,084 |
| 88. | 17.9% | Henderson County School District / 20,192 |
| 89. | 17.9% | Lebanon Special School District / 31,609 |
| 89. | 17.9% | Wilson County School District in Lebanon / 31,609 |
| 91. | 17.7% | Bradley County School District / 58,673 |
| 92. | 17.6% | Gibson County School District / 18,959 |
| 93. | 17.6% | Trenton Special School District / 8,632 |
| 94. | 17.5% | Marshall County School District / 30,977 |
| 95. | 17.5% | Warren County School District / 39,867 |
| 95. | 17.5% | McMinn County School District / 35,308 |
| 97. | 17.4% | Anderson County School District / 39,180 |
| 98. | 17.3% | Overton County School District / 22,109 |
| 99. | 17.1% | Sullivan County School District / 80,615 |
| 100. | 17.1% | Moore County School District / 6,348 |
| 101. | 17.0% | South Carroll Special School District / 2,606 |
| 102. | 16.9% | Bedford County School District / 45,660 |
| 103. | 16.8% | Cheatham County School District / 39,324 |
| 104. | 16.7% | Manchester City School District / 10,122 |
| 104. | 16.7% | Coffee County School District in Manchester / 10,122 |
| 106. | 16.7% | Dyersburg City School District / 16,998 |
| 107. | 16.6% | Crockett County School District / 6,419 |
| 108. | 16.4% | Humphreys County School District / 18,322 |
| 109. | 16.4% | Sumner County School District / 166,636 |
| 109. | 16.4% | Bradford Special School District / 3,740 |
| 111. | 16.2% | Fayetteville City Elementary School District / 6,991 |
| 112. | 16.2% | Hamilton County School District / 344,772 |
| 113. | 16.1% | Name N/A / 278,354 |
| 114. | 16.0% | Robertson County School District / 67,024 |
| 115. | 16.0% | Roane County School District / 50,404 |
| 116. | 15.8% | Hawkins County School District / 49,460 |
| 117. | 15.7% | Greeneville City School District / 15,018 |
| 118. | 15.7% | Kingsport City School District / 52,498 |
| 119. | 15.3% | Tipton County School District / 61,433 |
| 120. | 15.3% | Maryville City School District / 27,557 |
| 121. | 15.3% | Dayton City Elementary School District / 7,316 |
| 121. | 15.3% | Rhea County School District in Dayton / 7,316 |
| 123. | 15.1% | Bells City School District / 3,965 |
| 123. | 15.1% | Crockett County School District in Bells / 3,965 |
| 125. | 15.0% | West Carroll Special District / 7,181 |
| 126. | 15.0% | Smith County School District / 19,092 |
| 127. | 14.9% | Johnson City School District / 60,565 |
| 128. | 14.8% | Union City School District / 10,775 |
| 129. | 14.8% | Montgomery County School District / 175,190 |
| 130. | 14.7% | Cleveland City School District / 42,331 |
| 131. | 14.7% | Wilson County School District / 87,975 |
| 132. | 14.7% | Henry County School District / 20,761 |
| 133. | 14.6% | Rhea County School District / 24,956 |
| 134. | 14.6% | Chester County School District / 17,270 |
| 135. | 14.4% | Weakley County School District / 34,699 |
| 136. | 14.3% | Washington County School District / 64,233 |
| 137. | 14.1% | Knox County School District / 440,732 |
| 138. | 14.0% | Clinton City Elementary School District / 9,874 |
| 138. | 14.0% | Williamson County School District / 157,105 |
| 138. | 14.0% | Anderson County School District in Clinton / 9,874 |
| 141. | 13.6% | Rutherford County School District / 160,718 |
| 142. | 13.6% | Henderson County School District in Lexington / 7,771 |
| 142. | 13.6% | Lexington City Elementary School District / 7,771 |
| 144. | 13.3% | Lenoir City School District / 8,769 |
| 145. | 13.0% | Murfreesboro City Elementary School District / 114,743 |
| 145. | 13.0% | Rutherford County School District in Murfreesboro / 114,743 |
| 147. | 11.5% | Dyer County School District / 21,158 |
| 148. | 10.0% | Oneida Special School District / 3,114 |
| 149. | 9.9% | Richard City Special School District / 975 |
| 150. | 8.9% | Oak Ridge City School District / 29,301 |
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.
