| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 48.2% | Halifax School District / 864 |
| 2. | 46.6% | Sherburne School District / 865 |
| 3. | 46.0% | Albany School District / 827 |
| 4. | 41.3% | Windham School District / 520 |
| 5. | 40.0% | Hancock School District / 421 |
| 6. | 39.0% | Royalton School District / 2,635 |
| 7. | 38.3% | St. George School District / 601 |
| 7. | 38.3% | Belvidere School District / 452 |
| 9. | 38.0% | Searsburg School District / 170 |
| 10. | 36.9% | Stowe School District / 4,940 |
| 11. | 35.5% | Plymouth School District / 488 |
| 12. | 34.8% | Mount Tabor School District / 224 |
| 13. | 34.7% | Cavendish School District / 1,079 |
| 13. | 34.7% | Charleston School District / 757 |
| 15. | 34.7% | Dorset School District / 2,154 |
| 16. | 34.6% | Marlboro School District / 1,074 |
| 17. | 34.5% | Woodbury School District / 929 |
| 18. | 34.4% | Fair Haven School District / 2,930 |
| 19. | 33.9% | Westminster School District / 3,213 |
| 20. | 33.3% | Ludlow School District / 2,649 |
| 20. | 33.3% | Name N/A / 754 |
| 22. | 33.2% | Rupert School District / 962 |
| 23. | 32.8% | Bridgewater School District / 719 |
| 24. | 32.2% | Richford School District / 2,286 |
| 25. | 32.1% | Troy School District / 1,806 |
| 26. | 32.0% | Baltimore School District / 270 |
| 27. | 32.0% | Mettawee Community Union School District 47 / 2,649 |
| 27. | 32.0% | Johnson School District / 3,281 |
| 29. | 31.8% | Newbury School District / 1,787 |
| 30. | 31.3% | Alburgh School District / 2,001 |
| 31. | 31.3% | Pawlet School District / 1,687 |
| 32. | 31.2% | Orleans Incorporated School District / 907 |
| 33. | 31.2% | Holland School District / 733 |
| 34. | 31.0% | Waterville School District / 659 |
| 35. | 30.6% | Dover School District / 1,190 |
| 36. | 30.4% | Norton School District / 249 |
| 37. | 30.2% | Arlington School District / 2,571 |
| 38. | 30.0% | Black River Union School District 39 / 3,875 |
| 39. | 29.4% | Goshen School District / 221 |
| 40. | 29.2% | Barre City School District / 8,893 |
| 41. | 29.1% | Lunenburg School District / 1,402 |
| 42. | 29.0% | Brattleboro School District / 11,633 |
| 43. | 28.9% | Addison School District / 1,627 |
| 44. | 28.6% | Oxbow Union High School District 30 / 4,450 |
| 45. | 28.5% | Stamford School District / 770 |
| 46. | 28.5% | Jamaica School District / 1,042 |
| 47. | 28.4% | Newport Town School District / 1,464 |
| 48. | 28.4% | Springfield School District / 8,668 |
| 49. | 28.4% | East Haven School District / 294 |
| 50. | 28.2% | Whitingham School District / 1,330 |
| 51. | 28.1% | Wardsboro School District / 865 |
| 52. | 28.0% | Green Mountain Union High School District 35 / 4,527 |
| 53. | 27.9% | Morristown School District / 5,658 |
| 54. | 27.8% | North Bennington Incorporated School District / 2,209 |
| 55. | 27.7% | Lakeview Union School District 43 / 1,046 |
| 56. | 27.6% | South Hero School District / 1,855 |
| 56. | 27.6% | Highgate School District / 3,687 |
| 56. | 27.6% | Wallingford School District / 2,188 |
| 59. | 27.4% | Pittsfield School District / 438 |
| 60. | 27.3% | Fair Haven Union High School District 16 / 9,444 |
| 61. | 27.3% | Pomfret School District / 934 |
| 62. | 27.3% | Millers Run Union School District 37 / 1,290 |
| 63. | 27.3% | Fletcher School District / 1,402 |
| 64. | 27.1% | West Haven School District / 217 |
| 65. | 26.6% | Woodstock Union High School District 4 / 7,575 |
| 65. | 26.6% | Franklin School District / 1,414 |
| 67. | 26.3% | Tinmouth School District / 635 |
| 68. | 26.2% | Whitingham/Wilmington Joint Contract School District / 3,190 |
| 69. | 26.2% | Chester-Andover Union School District 29 / 3,448 |
| 70. | 26.0% | Bradford Incorporated School District / 2,663 |
| 70. | 26.0% | West Rutland School District / 2,508 |
| 72. | 26.0% | Burlington School District / 38,630 |
| 73. | 26.0% | Bethel School District / 2,496 |
| 74. | 26.0% | Walden School District / 778 |
| 74. | 26.0% | Middletown Springs School District / 875 |
| 76. | 25.9% | Orwell School District / 1,075 |
| 77. | 25.7% | Sutton School District / 965 |
| 78. | 25.6% | Shoreham School District / 1,355 |
| 79. | 25.2% | Readsboro School District / 797 |
| 80. | 25.2% | Lincoln School District / 1,171 |
| 81. | 25.0% | Wilmington School District / 1,860 |
| 81. | 25.0% | Granville School District / 333 |
| 83. | 24.9% | Stockbridge School District / 605 |
| 84. | 24.7% | Newark School District / 415 |
| 85. | 24.7% | Winooski Incorporated School District / 6,278 |
| 86. | 24.6% | Benson School District / 1,121 |
| 87. | 24.6% | Craftsbury School District / 1,157 |
| 88. | 24.5% | Rutland City School District / 16,770 |
| 89. | 24.5% | Mount Holly School District / 1,226 |
| 90. | 24.3% | Cabot School District / 1,372 |
| 91. | 24.2% | Castleton-Hubbardton Union School District 42 / 5,176 |
| 92. | 24.1% | Berkshire School District / 1,391 |
| 93. | 24.0% | Sheldon School District / 2,190 |
| 94. | 23.9% | Roxbury School District / 567 |
| 95. | 23.9% | New Haven School District / 1,576 |
| 96. | 23.7% | Fayston School District / 1,119 |
| 97. | 23.6% | Leicester School District / 1,106 |
| 98. | 23.6% | Hartland School District / 3,075 |
| 99. | 23.5% | Brattleboro Union High School District 6 / 20,498 |
| 100. | 23.5% | West Windsor School District / 988 |
| 101. | 23.4% | Barton Incorporated School District / 1,913 |
| 102. | 23.4% | Lake Region Union High School District 24 / 7,245 |
| 103. | 23.3% | Blue Mountain Union School District 21 / 2,613 |
| 104. | 23.0% | Tunbridge School District / 1,091 |
| 105. | 23.0% | Hartford School District / 10,681 |
| 106. | 22.9% | Flood Brook Union School District 20 / 2,676 |
| 107. | 22.9% | Wells School District / 1,185 |
| 108. | 22.8% | Poultney School District / 3,540 |
| 109. | 22.8% | Orange School District / 1,206 |
| 110. | 22.8% | Woodstock School District / 3,148 |
| 111. | 22.7% | Athens/Grafton Joint Contract School District / 795 |
| 112. | 22.7% | Bellows Falls Union High School District 27 / 9,035 |
| 113. | 22.7% | Barnard School District / 1,289 |
| 114. | 22.6% | Enosburgh School District / 2,723 |
| 115. | 22.4% | Winhall School District / 450 |
| 116. | 22.4% | Spaulding Union High School District 41 / 16,847 |
| 116. | 22.4% | Bennington Incorporated School District / 13,795 |
| 118. | 22.3% | Randolph School District / 5,030 |
| 119. | 22.3% | Newport City School District / 5,150 |
| 120. | 22.2% | Bridport School District / 1,407 |
| 121. | 22.1% | Leland and Gray Union High School District 34 / 4,938 |
| 122. | 22.1% | Vergennes Union High School District 5 / 8,171 |
| 123. | 22.0% | Montgomery School District / 1,044 |
| 124. | 22.0% | Rivendell Interstate School District / 2,475 |
| 125. | 21.9% | Lyndon School District / 5,637 |
| 126. | 21.9% | North Country Union High School District 22 / 18,103 |
| 127. | 21.9% | Braintree School District / 1,272 |
| 128. | 21.8% | Dummerston School District / 1,854 |
| 129. | 21.8% | Brandon School District / 3,890 |
| 130. | 21.7% | Vergennes Union High School District 44 / 3,870 |
| 130. | 21.7% | St. Albans Town School District / 5,985 |
| 132. | 21.7% | Missisquoi Valley Union High School District 7 / 11,526 |
| 133. | 21.6% | Calais School District / 1,511 |
| 134. | 21.6% | Twinfield Union School District 33 / 3,016 |
| 135. | 21.5% | Jay/Westfield Joint Elementary School District / 859 |
| 136. | 21.4% | Hazen Union High School District 26 / 5,180 |
| 137. | 21.3% | Waits River Valley Union School District 36 / 2,529 |
| 138. | 21.1% | Waterford School District / 1,252 |
| 138. | 21.1% | Manchester School District / 4,283 |
| 140. | 21.1% | Otter Valley Union High School District 8 / 9,590 |
| 140. | 21.1% | Burke School District / 1,369 |
| 142. | 21.0% | Lowell School District / 915 |
| 142. | 21.0% | Huntington School District / 2,044 |
| 144. | 20.9% | Morgan School District / 498 |
| 145. | 20.9% | Pownal School District / 3,474 |
| 146. | 20.8% | Currier Memorial Union School District 23 / 1,636 |
| 147. | 20.8% | Bakersfield School District / 1,185 |
| 148. | 20.7% | Randolph Union High School District 2 / 7,421 |
| 149. | 20.7% | Barnet School District / 1,627 |
| 150. | 20.7% | Mount Anthony Union High School District 14 / 22,651 |
| 151. | 20.6% | Fairfield School District / 2,213 |
| 152. | 20.4% | Name N/A / 406,488 |
| 153. | 20.4% | Proctor School District / 1,886 |
| 154. | 20.3% | South Burlington School District / 17,208 |
| 154. | 20.3% | Georgia School District / 4,498 |
| 156. | 20.2% | Townshend School District / 1,058 |
| 157. | 20.0% | Maidstone School District / 112 |
| 158. | 19.9% | Middlebury Incorporated School District / 8,185 |
| 159. | 19.9% | Brownington School District / 868 |
| 160. | 19.8% | Duxbury/Waterbury Union School District 45 / 6,767 |
| 161. | 19.8% | Pittsford School District / 3,188 |
| 162. | 19.8% | Middlesex School District / 1,760 |
| 163. | 19.6% | Mendon School District / 1,083 |
| 164. | 19.6% | Lamoille Union High School District 18 / 12,005 |
| 165. | 19.5% | Putney School District / 2,623 |
| 166. | 19.5% | Jericho School District / 3,869 |
| 167. | 19.4% | Sandgate School District / 294 |
| 168. | 19.4% | Harwood Union High School District 19 / 12,693 |
| 169. | 19.3% | Guildhall School District / 231 |
| 169. | 19.3% | Danville School District / 2,301 |
| 171. | 19.3% | St. Johnsbury School District / 7,421 |
| 172. | 19.0% | Sudbury School District / 662 |
| 172. | 19.0% | Concord School District / 1,350 |
| 174. | 18.9% | Reading School District / 620 |
| 175. | 18.9% | Newfane School District / 1,727 |
| 176. | 18.9% | Middlebury Union High School District 3 / 14,340 |
| 177. | 18.9% | Kirby School District / 453 |
| 178. | 18.8% | Wolcott School District / 1,772 |
| 179. | 18.7% | Whiting School District / 523 |
| 180. | 18.6% | Shelburne School District / 7,066 |
| 181. | 18.6% | East Montpelier School District / 2,705 |
| 182. | 18.5% | Waitsfield School District / 1,834 |
| 182. | 18.5% | Union High School District 32 / 9,826 |
| 184. | 18.3% | Worcester School District / 1,001 |
| 185. | 18.3% | Peacham School District / 1,081 |
| 186. | 18.2% | Danby School District / 1,412 |
| 187. | 18.2% | Victory School District / 74 |
| 188. | 18.1% | Bellows Free Academy Union High School District 48 / 13,296 |
| 189. | 18.1% | Colchester School District / 17,241 |
| 190. | 18.0% | Isle La Motte School District / 445 |
| 191. | 17.9% | Ferrisburg School District / 2,674 |
| 192. | 17.8% | Underhill Town School District / 2,327 |
| 193. | 17.8% | Shrewsbury School District / 1,059 |
| 194. | 17.8% | Warren School District / 1,521 |
| 195. | 17.7% | Canaan School District / 1,148 |
| 196. | 17.5% | Mount Mansfield Union School District 17 / 15,473 |
| 197. | 17.5% | Fairfax School District / 4,107 |
| 198. | 17.3% | Hinesburg School District / 4,544 |
| 199. | 17.2% | Swanton School District / 6,425 |
| 200. | 17.1% | Barre Town School District / 7,954 |
| 201. | 17.1% | Barstow Joint Contract School District / 2,212 |
| 202. | 17.0% | Mill River Union School District 40 / 6,146 |
| 203. | 16.8% | Richmond School District / 4,131 |
| 204. | 16.8% | Grand Isle School District / 2,248 |
| 205. | 16.8% | Moretown School District / 1,452 |
| 206. | 16.7% | Irasburg School District / 1,163 |
| 207. | 16.5% | Cornwall School District / 1,103 |
| 208. | 16.3% | North Hero School District / 1,026 |
| 209. | 16.2% | Chelsea School District / 1,371 |
| 210. | 16.2% | Milton School District / 10,479 |
| 211. | 16.1% | Vernon School District / 2,267 |
| 212. | 15.8% | Northfield School District / 5,746 |
| 213. | 15.8% | Coventry School District / 1,085 |
| 213. | 15.8% | Norwich School District / 3,517 |
| 215. | 15.7% | Champlain Valley Union High School District 15 / 23,634 |
| 216. | 15.5% | Mount Abraham Union High School District 28 / 10,469 |
| 217. | 15.5% | Rochester School District / 1,036 |
| 218. | 15.2% | Eden School District / 1,111 |
| 219. | 15.0% | Sharon School District / 1,585 |
| 219. | 15.0% | Weybridge School District / 790 |
| 221. | 14.8% | Weathersfield School District / 2,840 |
| 222. | 14.8% | Berlin School District / 2,849 |
| 223. | 14.7% | Rockingham School District / 5,027 |
| 224. | 14.7% | Williamstown School District / 3,240 |
| 225. | 14.6% | Chittenden School District / 1,129 |
| 225. | 14.6% | Hardwick School District / 3,205 |
| 225. | 14.6% | St. Albans City School District / 7,311 |
| 228. | 14.6% | Woodford School District / 336 |
| 229. | 14.5% | Westford School District / 2,015 |
| 230. | 14.5% | Glover School District / 1,294 |
| 231. | 14.4% | Brighton School District / 1,097 |
| 232. | 14.4% | Salisbury School District / 1,049 |
| 233. | 14.3% | Charlotte School District / 3,702 |
| 234. | 14.1% | Derby School District / 4,824 |
| 235. | 14.1% | Hyde Park School District / 3,312 |
| 236. | 14.1% | Sunderland School District / 917 |
| 237. | 14.0% | Bolton School District / 1,145 |
| 238. | 13.9% | Montpelier School District / 7,792 |
| 239. | 13.6% | Starksboro School District / 1,947 |
| 240. | 13.4% | Essex Town School District / 10,420 |
| 241. | 13.3% | Cambridge School District / 3,190 |
| 242. | 13.2% | Guilford School District / 2,121 |
| 243. | 13.1% | Strafford School District / 1,100 |
| 244. | 13.1% | Brookfield School District / 1,114 |
| 245. | 13.0% | Williston School District / 8,322 |
| 246. | 12.9% | Underhill Incorporated School District / 1,957 |
| 247. | 12.5% | Ira School District / 450 |
| 248. | 12.3% | Essex Community Education Center / 19,359 |
| 249. | 12.3% | Monkton School District / 2,015 |
| 250. | 11.8% | Bristol School District / 3,760 |
| 251. | 11.7% | Washington School District / 996 |
| 252. | 11.1% | Essex Junction Incorporated School District / 8,939 |
| 253. | 11.0% | Shaftsbury School District / 2,837 |
| 254. | 10.5% | Westmore School District / 273 |
| 255. | 9.6% | Rutland Town School District / 4,063 |
| 256. | 9.4% | Clarendon School District / 2,899 |
| 257. | 9.3% | Brookline School District / 591 |
| 258. | 9.1% | Thetford School District / 2,778 |
| 259. | 8.3% | Lemington School District / 90 |
| 260. | 6.3% | Ripton School District / 451 |
| 261. | 6.2% | Windsor School District / 3,638 |
| 262. | 5.7% | Elmore School District / 878 |
| 263. | 4.8% | Stratton School District / 249 |
| 264. | 4.4% | Brunswick School District / 94 |
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.
*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.
