| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 46.7% | Searsburg School District / 97 |
| 2. | 46.2% | Victory School District / 108 |
| 3. | 43.8% | Brunswick School District / 84 |
| 4. | 43.2% | Sandgate School District / 516 |
| 5. | 41.3% | Reading School District / 739 |
| 6. | 40.7% | Isle La Motte School District / 577 |
| 7. | 40.4% | Wardsboro School District / 694 |
| 8. | 39.0% | Bloomfield School District / 207 |
| 9. | 38.9% | Wells School District / 1,116 |
| 10. | 38.0% | Sherburne School District / 896 |
| 11. | 37.8% | Cabot School District / 1,393 |
| 12. | 37.7% | Royalton School District / 2,778 |
| 13. | 37.5% | Maidstone School District / 217 |
| 14. | 37.3% | Roxbury School District / 684 |
| 15. | 36.5% | Middletown Springs School District / 731 |
| 16. | 36.5% | Stowe School District / 4,371 |
| 17. | 36.1% | Sutton School District / 948 |
| 18. | 35.9% | Plymouth School District / 471 |
| 19. | 35.4% | Highgate School District / 3,576 |
| 20. | 35.0% | Newport Town School District / 1,764 |
| 21. | 35.0% | Richford School District / 2,329 |
| 22. | 34.9% | Name N/A / 2,674 |
| 23. | 34.8% | Winhall School District / 654 |
| 24. | 34.6% | Troy School District / 1,413 |
| 25. | 34.5% | Norton School District / 161 |
| 26. | 34.4% | South Hero School District / 1,576 |
| 27. | 32.9% | Westmore School District / 393 |
| 28. | 32.8% | Name N/A / 609 |
| 29. | 32.8% | Name N/A / 818 |
| 30. | 32.1% | Danby School District / 1,366 |
| 31. | 31.8% | Lemington School District / 134 |
| 32. | 31.7% | Currier Memorial Union School District 23 / 1,637 |
| 33. | 31.5% | Whitingham School District / 1,237 |
| 34. | 31.4% | Elmore School District / 946 |
| 35. | 31.4% | Newbury School District / 1,791 |
| 36. | 31.2% | Concord School District / 1,203 |
| 37. | 31.0% | Brighton School District / 939 |
| 38. | 30.9% | Hinesburg School District / 4,451 |
| 39. | 30.7% | North Country Union High School District 22 / 6,394 |
| 40. | 30.7% | Walden School District / 1,044 |
| 41. | 30.7% | Halifax School District / 692 |
| 42. | 30.6% | Irasburg School District / 1,195 |
| 43. | 30.6% | Goshen School District / 135 |
| 44. | 30.3% | Wallingford School District / 2,098 |
| 45. | 30.1% | Woodford School District / 322 |
| 46. | 29.9% | Strafford School District / 1,037 |
| 47. | 29.9% | Newfane School District / 1,819 |
| 48. | 29.4% | Brookfield School District / 1,297 |
| 49. | 29.3% | Dorset School District / 2,118 |
| 50. | 29.1% | Clarendon School District / 2,535 |
| 51. | 29.0% | Salisbury School District / 1,142 |
| 52. | 28.8% | Glover School District / 1,072 |
| 53. | 28.7% | Windsor School District / 3,504 |
| 54. | 28.7% | Holland School District / 689 |
| 55. | 28.6% | Mount Tabor School District / 271 |
| 56. | 27.9% | St. George School District / 772 |
| 57. | 27.9% | North Bennington Incorporated School District / 2,275 |
| 58. | 27.9% | Mount Holly School District / 1,258 |
| 59. | 27.8% | Dover School District / 1,335 |
| 60. | 27.8% | Mill River Union School District 40 / 5,791 |
| 61. | 27.8% | Sunderland School District / 934 |
| 62. | 27.6% | Manchester School District / 4,352 |
| 63. | 27.5% | Addison School District / 1,415 |
| 64. | 27.3% | Rupert School District / 620 |
| 65. | 27.1% | Benson School District / 1,065 |
| 66. | 27.0% | Rutland City School District / 16,217 |
| 67. | 26.9% | Barnard School District / 899 |
| 68. | 26.9% | Bristol School District / 3,896 |
| 69. | 26.9% | Oxbow Union High School District 30 / 4,567 |
| 70. | 26.8% | Albany School District / 893 |
| 71. | 26.8% | Lowell School District / 810 |
| 72. | 26.7% | Black River Union School District 39 / 3,389 |
| 73. | 26.7% | Morgan School District / 721 |
| 74. | 26.6% | Bridgewater School District / 710 |
| 75. | 26.5% | Wolcott School District / 1,556 |
| 76. | 26.5% | Brownington School District / 973 |
| 77. | 26.4% | Johnson School District / 3,491 |
| 78. | 26.2% | Bridport School District / 1,180 |
| 79. | 26.1% | Eden School District / 1,353 |
| 80. | 26.0% | Windham School District / 422 |
| 81. | 25.9% | West Rutland School District / 2,335 |
| 82. | 25.8% | North Hero School District / 939 |
| 83. | 25.8% | West Windsor School District / 1,094 |
| 84. | 25.6% | Ludlow School District / 2,131 |
| 85. | 25.5% | Sudbury School District / 499 |
| 86. | 25.4% | Morristown School District / 5,314 |
| 87. | 25.3% | Charleston School District / 939 |
| 88. | 25.3% | Norwich School District / 3,400 |
| 89. | 25.2% | Peacham School District / 695 |
| 90. | 25.2% | Warren School District / 1,651 |
| 91. | 25.0% | Readsboro School District / 777 |
| 92. | 24.9% | Randolph Union High School District 2 / 7,303 |
| 93. | 24.8% | Lake Region Union High School District 24 / 7,297 |
| 93. | 24.8% | Woodstock Union High School District 4 / 7,224 |
| 95. | 24.7% | Rockingham School District / 5,190 |
| 96. | 24.6% | Waterville School District / 724 |
| 97. | 24.5% | Bennington Incorporated School District / 13,889 |
| 97. | 24.5% | Mount Anthony Union High School District 14 / 13,889 |
| 99. | 24.3% | Sheldon School District / 2,329 |
| 100. | 24.2% | Townshend School District / 1,126 |
| 101. | 24.1% | Brattleboro School District / 11,876 |
| 102. | 24.1% | Calais School District / 1,556 |
| 103. | 24.0% | Randolph School District / 4,768 |
| 104. | 23.9% | Newark School District / 534 |
| 105. | 23.9% | Brattleboro Union High School District 6 / 13,903 |
| 106. | 23.7% | Stamford School District / 878 |
| 107. | 23.7% | Shoreham School District / 1,179 |
| 108. | 23.6% | Craftsbury School District / 1,238 |
| 109. | 23.6% | Chittenden School District / 1,198 |
| 110. | 23.5% | Cornwall School District / 1,089 |
| 111. | 23.5% | Franklin School District / 1,240 |
| 112. | 23.3% | Guildhall School District / 209 |
| 113. | 23.2% | Braintree School District / 1,238 |
| 114. | 23.1% | Vernon School District / 2,027 |
| 115. | 23.0% | Bakersfield School District / 1,551 |
| 116. | 23.0% | Bethel School District / 1,919 |
| 117. | 23.0% | Whiting School District / 409 |
| 118. | 22.9% | Bradford Incorporated School District / 2,776 |
| 118. | 22.9% | Barnet School District / 1,648 |
| 120. | 22.9% | Mettawee Community Union School District 47 / 2,060 |
| 121. | 22.7% | St. Johnsbury School District / 7,573 |
| 122. | 22.7% | Leland and Gray Union High School District 34 / 4,833 |
| 123. | 22.6% | Pittsford School District / 2,940 |
| 124. | 22.6% | Burke School District / 1,711 |
| 125. | 22.5% | Burlington School District / 42,342 |
| 126. | 22.4% | Thetford School District / 2,589 |
| 127. | 22.3% | Montgomery School District / 1,084 |
| 128. | 22.2% | Leicester School District / 1,226 |
| 129. | 22.2% | Hardwick School District / 2,976 |
| 130. | 22.1% | Springfield School District / 9,301 |
| 131. | 22.0% | Lamoille Union High School District 18 / 12,656 |
| 132. | 21.9% | Washington School District / 1,067 |
| 133. | 21.9% | Poultney School District / 3,382 |
| 134. | 21.8% | Cavendish School District / 1,587 |
| 135. | 21.7% | Waitsfield School District / 1,607 |
| 136. | 21.7% | Bellows Falls Union High School District 27 / 9,349 |
| 137. | 21.6% | Missisquoi Valley Union High School District 7 / 11,249 |
| 138. | 21.5% | Lyndon School District / 5,966 |
| 139. | 21.3% | Stratton School District / 171 |
| 140. | 21.3% | Dummerston School District / 1,933 |
| 141. | 21.3% | Name N/A / 534 |
| 142. | 21.1% | Millers Run Union School District 37 / 1,434 |
| 143. | 21.0% | Coventry School District / 1,123 |
| 144. | 20.8% | Pawlet School District / 1,440 |
| 145. | 20.7% | Weathersfield School District / 2,813 |
| 146. | 20.6% | Name N/A / 405,609 |
| 147. | 20.6% | Hyde Park School District / 3,011 |
| 148. | 20.5% | Mendon School District / 862 |
| 149. | 20.5% | Lunenburg School District / 1,331 |
| 150. | 20.5% | Berlin School District / 2,869 |
| 151. | 20.4% | Shrewsbury School District / 1,158 |
| 151. | 20.4% | Fair Haven Union High School District 16 / 9,960 |
| 153. | 20.4% | Putney School District / 2,696 |
| 154. | 20.3% | Rivendell Interstate School District / 2,376 |
| 155. | 20.3% | Chelsea School District / 1,412 |
| 156. | 20.2% | Name N/A / 11,324 |
| 157. | 20.2% | South Burlington School District / 18,378 |
| 157. | 20.2% | Castleton-Hubbardton Union School District 42 / 5,293 |
| 159. | 20.1% | Essex Junction Incorporated School District / 9,552 |
| 160. | 20.1% | Tunbridge School District / 1,237 |
| 161. | 20.0% | Vergennes Union High School District 44 / 3,805 |
| 162. | 20.0% | Waits River Valley Union School District 36 / 2,530 |
| 162. | 20.0% | Tinmouth School District / 558 |
| 164. | 19.9% | Name N/A / 6,492 |
| 164. | 19.9% | Duxbury/Waterbury Union School District 45 / 6,492 |
| 166. | 19.9% | Green Mountain Union High School District 35 / 5,140 |
| 167. | 19.8% | Hazen Union High School District 26 / 4,596 |
| 168. | 19.7% | Name N/A / 402 |
| 169. | 19.6% | Harwood Union High School District 19 / 6,225 |
| 170. | 19.4% | Name N/A / 9,061 |
| 171. | 19.4% | Granville School District / 308 |
| 171. | 19.4% | Woodstock School District / 3,017 |
| 171. | 19.4% | Vergennes Union High School District 5 / 7,999 |
| 174. | 19.4% | Cambridge School District / 3,713 |
| 175. | 19.3% | Berkshire School District / 1,760 |
| 176. | 19.2% | Chester-Andover Union School District 29 / 3,553 |
| 177. | 19.1% | Otter Valley Union High School District 8 / 9,115 |
| 178. | 18.9% | Belvidere School District / 364 |
| 179. | 18.8% | Barre City School District / 8,955 |
| 180. | 18.7% | Woodbury School District / 897 |
| 180. | 18.7% | St. Albans Town School District / 6,157 |
| 182. | 18.7% | Underhill Town School District / 2,357 |
| 183. | 18.6% | Rochester School District / 1,095 |
| 184. | 18.6% | Shaftsbury School District / 2,969 |
| 185. | 18.6% | Alburgh School District / 1,623 |
| 186. | 18.5% | Middlebury Union High School District 3 / 14,599 |
| 187. | 18.5% | Name N/A / 6,780 |
| 188. | 18.5% | Fairfax School District / 4,397 |
| 189. | 18.4% | Champlain Valley Union High School District 15 / 24,645 |
| 190. | 18.4% | Wilmington School District / 2,257 |
| 191. | 18.3% | Huntington School District / 1,924 |
| 192. | 18.3% | Fair Haven School District / 2,694 |
| 193. | 18.3% | Arlington School District / 2,354 |
| 194. | 18.2% | Baltimore School District / 234 |
| 195. | 18.2% | Charlotte School District / 3,810 |
| 196. | 18.2% | Proctor School District / 1,650 |
| 197. | 18.1% | Georgia School District / 4,610 |
| 198. | 18.0% | Barton Incorporated School District / 1,809 |
| 199. | 18.0% | Mount Abraham Union High School District 28 / 10,570 |
| 200. | 17.9% | Ripton School District / 650 |
| 201. | 17.9% | Derby School District / 4,561 |
| 202. | 17.7% | Union High School District 32 / 9,816 |
| 203. | 17.7% | Middlesex School District / 1,899 |
| 204. | 17.7% | Granby School District / 85 |
| 205. | 17.4% | Twinfield Union School District 33 / 3,028 |
| 205. | 17.4% | Pittsfield School District / 617 |
| 207. | 17.2% | Newport City School District / 4,535 |
| 208. | 17.1% | Orange School District / 1,048 |
| 209. | 17.0% | Richmond School District / 4,114 |
| 210. | 17.0% | Pomfret School District / 963 |
| 211. | 16.7% | Stockbridge School District / 735 |
| 212. | 16.6% | Marlboro School District / 1,196 |
| 213. | 16.5% | Moretown School District / 1,653 |
| 214. | 16.5% | Winooski Incorporated School District / 7,250 |
| 215. | 16.5% | Kirby School District / 435 |
| 216. | 16.4% | Essex Community Education Center / 20,172 |
| 217. | 16.3% | Name N/A / 278 |
| 217. | 16.3% | Blue Mountain Union School District 21 / 2,495 |
| 219. | 16.2% | Bellows Free Academy Union High School District 48 / 13,046 |
| 220. | 16.1% | Westminster School District / 3,148 |
| 221. | 16.1% | Montpelier School District / 7,760 |
| 222. | 16.1% | Starksboro School District / 1,762 |
| 223. | 15.9% | Fairfield School District / 1,856 |
| 224. | 15.9% | Fletcher School District / 1,244 |
| 224. | 15.9% | Enosburgh School District / 2,771 |
| 226. | 15.8% | Colchester School District / 17,249 |
| 227. | 15.6% | Grand Isle School District / 2,264 |
| 228. | 15.5% | Danville School District / 2,247 |
| 229. | 15.5% | Hartford School District / 9,869 |
| 230. | 15.2% | Shelburne School District / 7,452 |
| 231. | 15.0% | Pownal School District / 3,495 |
| 232. | 14.9% | Spaulding Union High School District 41 / 16,863 |
| 232. | 14.9% | Orwell School District / 1,242 |
| 234. | 14.8% | Fayston School District / 1,314 |
| 235. | 14.7% | Westford School District / 1,937 |
| 236. | 14.5% | Hartland School District / 3,397 |
| 237. | 14.5% | Orleans Incorporated School District / 957 |
| 238. | 14.3% | Monkton School District / 2,043 |
| 239. | 14.3% | Ferrisburg School District / 2,779 |
| 240. | 14.2% | Jamaica School District / 899 |
| 241. | 14.0% | Essex Town School District / 10,620 |
| 242. | 13.9% | Guilford School District / 2,151 |
| 243. | 13.9% | Mount Mansfield Union School District 17 / 15,365 |
| 244. | 13.8% | Lakeview Union School District 43 / 1,001 |
| 245. | 13.8% | St. Albans City School District / 6,889 |
| 246. | 13.8% | Brandon School District / 3,906 |
| 247. | 13.7% | Underhill Incorporated School District / 1,878 |
| 248. | 13.7% | Northfield School District / 6,175 |
| 249. | 13.6% | Williston School District / 8,932 |
| 250. | 13.5% | New Haven School District / 1,648 |
| 251. | 13.4% | Hancock School District / 395 |
| 252. | 13.2% | Middlebury Incorporated School District / 8,505 |
| 253. | 12.8% | Milton School District / 10,533 |
| 254. | 12.8% | Worcester School District / 891 |
| 255. | 12.6% | East Montpelier School District / 2,601 |
| 256. | 12.6% | Swanton School District / 6,433 |
| 257. | 12.1% | Rutland Town School District / 4,048 |
| 258. | 11.9% | Barre Town School District / 7,908 |
| 259. | 11.6% | Brookline School District / 567 |
| 260. | 11.1% | East Haven School District / 338 |
| 261. | 10.9% | Weybridge School District / 854 |
| 262. | 10.9% | Canaan School District / 1,164 |
| 263. | 10.5% | Waterford School District / 1,489 |
| 264. | 10.3% | Lincoln School District / 1,221 |
| 265. | 10.1% | Sharon School District / 1,521 |
| 266. | 9.6% | Name N/A / 624 |
| 267. | 9.1% | West Haven School District / 290 |
| 268. | 7.9% | Jericho School District / 3,845 |
| 269. | 7.3% | Williamstown School District / 3,397 |
| 270. | 6.8% | Bolton School District / 1,247 |
| 271. | 6.3% | Ira School District / 441 |
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.
