| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 54.6% | Halifax School District / 838 |
| 2. | 44.5% | Sherburne School District / 748 |
| 3. | 44.0% | Plymouth School District / 473 |
| 4. | 43.2% | Windham School District / 576 |
| 5. | 40.7% | Albany School District / 890 |
| 6. | 39.8% | Royalton School District / 2,747 |
| 7. | 39.7% | Rupert School District / 978 |
| 8. | 38.1% | Victory School District / 116 |
| 9. | 37.9% | Highgate School District / 3,524 |
| 10. | 37.9% | Troy School District / 1,831 |
| 11. | 37.6% | Wardsboro School District / 777 |
| 12. | 36.9% | St. George School District / 606 |
| 13. | 36.8% | Dorset School District / 2,089 |
| 14. | 36.5% | Alburgh School District / 1,753 |
| 15. | 36.5% | Stowe School District / 4,273 |
| 16. | 35.6% | Jamaica School District / 988 |
| 17. | 35.4% | Belvidere School District / 378 |
| 18. | 35.0% | Walden School District / 930 |
| 19. | 34.7% | Stamford School District / 754 |
| 20. | 34.6% | Charleston School District / 848 |
| 21. | 34.5% | Johnson School District / 3,386 |
| 22. | 33.3% | Richford School District / 2,390 |
| 22. | 33.3% | Norton School District / 219 |
| 24. | 33.0% | Mettawee Community Union School District 47 / 2,690 |
| 25. | 32.0% | Baltimore School District / 233 |
| 26. | 31.7% | Barre City School District / 9,112 |
| 27. | 31.7% | Flood Brook Union School District 20 / 2,682 |
| 28. | 31.4% | West Windsor School District / 972 |
| 29. | 30.9% | Ludlow School District / 2,061 |
| 30. | 30.6% | Craftsbury School District / 1,241 |
| 31. | 30.6% | Westminster School District / 3,174 |
| 32. | 30.5% | Newbury School District / 1,888 |
| 33. | 30.5% | Addison School District / 1,439 |
| 34. | 30.4% | Arlington School District / 2,485 |
| 35. | 30.0% | Roxbury School District / 530 |
| 36. | 29.7% | Brattleboro School District / 12,043 |
| 37. | 29.6% | Pawlet School District / 1,712 |
| 38. | 29.6% | Millers Run Union School District 37 / 1,314 |
| 39. | 29.4% | Fair Haven School District / 2,784 |
| 40. | 29.4% | Franklin School District / 1,415 |
| 41. | 29.4% | Pittsfield School District / 452 |
| 42. | 29.3% | Bethel School District / 2,442 |
| 43. | 29.3% | Mount Tabor School District / 206 |
| 44. | 29.1% | Readsboro School District / 777 |
| 45. | 28.9% | Shoreham School District / 1,338 |
| 46. | 28.9% | Wolcott School District / 1,719 |
| 47. | 28.7% | Lakeview Union School District 43 / 974 |
| 48. | 28.5% | Chester-Andover Union School District 29 / 3,602 |
| 49. | 28.3% | Waterville School District / 774 |
| 50. | 28.3% | Lowell School District / 928 |
| 51. | 28.0% | Fletcher School District / 1,242 |
| 52. | 28.0% | Wallingford School District / 2,249 |
| 53. | 28.0% | South Hero School District / 1,745 |
| 54. | 27.9% | Green Mountain Union High School District 35 / 4,896 |
| 55. | 27.8% | Tunbridge School District / 1,112 |
| 56. | 27.8% | Bridgewater School District / 664 |
| 57. | 27.7% | Randolph School District / 4,830 |
| 57. | 27.7% | Oxbow Union High School District 30 / 4,682 |
| 59. | 27.6% | Black River Union School District 39 / 3,133 |
| 60. | 27.1% | West Haven School District / 253 |
| 61. | 27.1% | Hancock School District / 420 |
| 62. | 26.6% | Orleans Incorporated School District / 900 |
| 63. | 26.4% | Dover School District / 1,215 |
| 64. | 26.3% | Burke School District / 1,592 |
| 64. | 26.3% | North Bennington Incorporated School District / 2,388 |
| 66. | 26.3% | Wells School District / 1,283 |
| 67. | 26.2% | Lunenburg School District / 1,354 |
| 68. | 26.2% | Middletown Springs School District / 737 |
| 69. | 26.2% | Bakersfield School District / 1,332 |
| 70. | 26.0% | Fair Haven Union High School District 16 / 10,397 |
| 71. | 26.0% | Burlington School District / 41,935 |
| 72. | 26.0% | Springfield School District / 9,337 |
| 73. | 25.9% | Sutton School District / 1,033 |
| 74. | 25.9% | Newport Town School District / 1,505 |
| 75. | 25.9% | Montgomery School District / 946 |
| 76. | 25.9% | Cavendish School District / 1,294 |
| 77. | 25.9% | Putney School District / 2,681 |
| 78. | 25.8% | Rivendell Interstate School District / 2,262 |
| 79. | 25.8% | Sandgate School District / 366 |
| 79. | 25.8% | Brattleboro Union High School District 6 / 20,868 |
| 81. | 25.5% | Morgan School District / 638 |
| 82. | 25.4% | Marlboro School District / 990 |
| 83. | 25.3% | Bradford Incorporated School District / 2,794 |
| 84. | 25.3% | Randolph Union High School District 2 / 7,297 |
| 85. | 25.3% | Fayston School District / 1,227 |
| 86. | 25.3% | Hartford School District / 10,028 |
| 87. | 25.2% | Newark School District / 455 |
| 88. | 25.2% | Braintree School District / 1,329 |
| 89. | 25.1% | Castleton-Hubbardton Union School District 42 / 5,203 |
| 90. | 25.1% | Pomfret School District / 968 |
| 91. | 24.9% | Sheldon School District / 2,199 |
| 92. | 24.5% | Poultney School District / 3,477 |
| 93. | 24.4% | Goshen School District / 186 |
| 94. | 24.4% | Twinfield Union School District 33 / 3,105 |
| 95. | 24.3% | Whitingham School District / 1,401 |
| 96. | 24.3% | Rutland City School District / 16,739 |
| 97. | 24.3% | Granville School District / 332 |
| 98. | 24.3% | Missisquoi Valley Union High School District 7 / 11,358 |
| 99. | 24.2% | Winooski Incorporated School District / 7,133 |
| 100. | 24.2% | Orwell School District / 1,109 |
| 101. | 24.2% | Irasburg School District / 1,191 |
| 101. | 24.2% | Holland School District / 710 |
| 103. | 24.1% | Woodstock Union High School District 4 / 7,326 |
| 104. | 24.0% | Dummerston School District / 1,862 |
| 105. | 23.9% | Morristown School District / 5,166 |
| 106. | 23.9% | Kirby School District / 481 |
| 107. | 23.8% | Winhall School District / 530 |
| 108. | 23.8% | Benson School District / 1,048 |
| 109. | 23.7% | Bellows Falls Union High School District 27 / 9,313 |
| 109. | 23.7% | Reading School District / 669 |
| 111. | 23.4% | Mount Holly School District / 1,072 |
| 112. | 23.4% | Bridport School District / 1,348 |
| 113. | 23.2% | Newport City School District / 4,701 |
| 114. | 23.2% | Woodbury School District / 941 |
| 115. | 23.1% | Lake Region Union High School District 24 / 7,335 |
| 116. | 23.0% | Tinmouth School District / 674 |
| 117. | 23.0% | Whiting School District / 476 |
| 118. | 22.9% | Stockbridge School District / 653 |
| 119. | 22.8% | North Country Union High School District 22 / 17,805 |
| 120. | 22.8% | Blue Mountain Union School District 21 / 2,470 |
| 121. | 22.8% | Jay/Westfield Joint Elementary School District / 954 |
| 122. | 22.7% | New Haven School District / 1,592 |
| 123. | 22.7% | Orange School District / 1,298 |
| 124. | 22.6% | West Rutland School District / 2,492 |
| 125. | 22.5% | Athens/Grafton Joint Contract School District / 840 |
| 126. | 22.4% | Waitsfield School District / 1,847 |
| 127. | 22.4% | Cabot School District / 1,362 |
| 128. | 22.4% | Waits River Valley Union School District 36 / 2,468 |
| 129. | 22.4% | Leland and Gray Union High School District 34 / 4,989 |
| 130. | 22.3% | Vergennes Union High School District 5 / 8,047 |
| 131. | 22.2% | Danville School District / 2,230 |
| 132. | 22.1% | Currier Memorial Union School District 23 / 1,671 |
| 133. | 22.1% | Concord School District / 1,215 |
| 134. | 21.5% | Spaulding Union High School District 41 / 16,991 |
| 135. | 21.4% | Guildhall School District / 223 |
| 136. | 21.2% | Barnard School District / 1,188 |
| 137. | 21.1% | Danby School District / 1,465 |
| 138. | 21.0% | Fairfield School District / 2,107 |
| 139. | 20.8% | Canaan School District / 1,152 |
| 140. | 20.7% | Waterford School District / 1,351 |
| 141. | 20.7% | Vergennes Union High School District 44 / 3,847 |
| 142. | 20.6% | Harwood Union High School District 19 / 12,567 |
| 143. | 20.6% | Warren School District / 1,443 |
| 144. | 20.6% | Lyndon School District / 5,932 |
| 145. | 20.5% | Name N/A / 407,347 |
| 145. | 20.5% | Whitingham/Wilmington Joint Contract School District / 3,617 |
| 147. | 20.5% | Salisbury School District / 1,088 |
| 148. | 20.4% | Barnet School District / 1,808 |
| 149. | 20.1% | Proctor School District / 1,818 |
| 150. | 20.1% | Vernon School District / 2,224 |
| 151. | 20.0% | Isle La Motte School District / 479 |
| 152. | 20.0% | Fairfax School District / 4,167 |
| 153. | 19.9% | Brownington School District / 844 |
| 154. | 19.9% | Hazen Union High School District 26 / 4,986 |
| 155. | 19.8% | Montpelier School District / 7,903 |
| 156. | 19.8% | Bennington Incorporated School District / 14,219 |
| 157. | 19.8% | Berlin School District / 2,884 |
| 158. | 19.7% | Lamoille Union High School District 18 / 12,137 |
| 159. | 19.7% | South Burlington School District / 17,356 |
| 160. | 19.6% | Weathersfield School District / 2,827 |
| 161. | 19.6% | Middlebury Union High School District 3 / 14,702 |
| 161. | 19.6% | Huntington School District / 2,004 |
| 161. | 19.6% | Duxbury/Waterbury Union School District 45 / 6,490 |
| 164. | 19.4% | Barton Incorporated School District / 1,918 |
| 165. | 19.3% | Ferrisburg School District / 2,761 |
| 166. | 19.2% | Maidstone School District / 145 |
| 166. | 19.2% | Shelburne School District / 7,122 |
| 168. | 19.2% | Mendon School District / 972 |
| 169. | 19.2% | Norwich School District / 3,433 |
| 170. | 19.2% | Milton School District / 10,192 |
| 171. | 19.0% | Mill River Union School District 40 / 6,014 |
| 172. | 19.0% | Pittsford School District / 3,032 |
| 173. | 19.0% | Middlebury Incorporated School District / 8,468 |
| 174. | 19.0% | Woodstock School District / 3,089 |
| 175. | 18.9% | Colchester School District / 17,067 |
| 176. | 18.7% | Georgia School District / 4,508 |
| 177. | 18.7% | East Haven School District / 368 |
| 178. | 18.7% | Rockingham School District / 5,299 |
| 179. | 18.6% | Berkshire School District / 1,503 |
| 180. | 18.6% | Moretown School District / 1,560 |
| 180. | 18.6% | Townshend School District / 1,112 |
| 182. | 18.5% | Glover School District / 1,256 |
| 182. | 18.5% | Grand Isle School District / 2,106 |
| 184. | 18.4% | Otter Valley Union High School District 8 / 9,274 |
| 185. | 18.3% | Mount Anthony Union High School District 14 / 23,238 |
| 186. | 18.3% | Wilmington School District / 2,216 |
| 187. | 18.3% | Newfane School District / 1,710 |
| 188. | 18.1% | Manchester School District / 4,359 |
| 189. | 18.0% | Leicester School District / 1,109 |
| 190. | 18.0% | St. Johnsbury School District / 7,650 |
| 191. | 18.0% | Shrewsbury School District / 1,136 |
| 192. | 17.8% | Charlotte School District / 3,718 |
| 193. | 17.7% | Brandon School District / 3,967 |
| 194. | 17.7% | Hartland School District / 3,374 |
| 195. | 17.5% | Richmond School District / 4,087 |
| 196. | 17.5% | Cornwall School District / 1,101 |
| 197. | 17.4% | Middlesex School District / 1,708 |
| 198. | 17.4% | Union High School District 32 / 9,841 |
| 198. | 17.4% | Calais School District / 1,562 |
| 200. | 17.4% | Chelsea School District / 1,420 |
| 201. | 17.2% | Woodford School District / 316 |
| 202. | 17.1% | Worcester School District / 1,096 |
| 203. | 17.1% | Northfield School District / 6,139 |
| 204. | 17.0% | Underhill Town School District / 2,315 |
| 205. | 17.0% | Barstow Joint Contract School District / 2,112 |
| 206. | 16.8% | Brighton School District / 1,034 |
| 207. | 16.8% | Enosburgh School District / 2,796 |
| 208. | 16.7% | Brunswick School District / 120 |
| 209. | 16.6% | Coventry School District / 1,170 |
| 210. | 16.5% | Brookfield School District / 1,138 |
| 210. | 16.5% | Hinesburg School District / 4,380 |
| 212. | 16.5% | Sunderland School District / 904 |
| 213. | 16.5% | Champlain Valley Union High School District 15 / 23,716 |
| 214. | 16.4% | Swanton School District / 6,419 |
| 214. | 16.4% | Mount Mansfield Union School District 17 / 15,272 |
| 216. | 16.3% | Peacham School District / 967 |
| 217. | 16.1% | Hardwick School District / 3,071 |
| 218. | 15.7% | Jericho School District / 3,696 |
| 218. | 15.7% | Strafford School District / 1,228 |
| 220. | 15.6% | Pownal School District / 3,530 |
| 221. | 15.5% | Sudbury School District / 504 |
| 222. | 15.4% | St. Albans Town School District / 5,955 |
| 223. | 15.2% | Westmore School District / 336 |
| 224. | 15.0% | Williamstown School District / 3,387 |
| 225. | 14.9% | Windsor School District / 3,593 |
| 226. | 14.9% | Chittenden School District / 1,140 |
| 227. | 14.8% | Sharon School District / 1,690 |
| 228. | 14.8% | Rochester School District / 991 |
| 229. | 14.7% | Hyde Park School District / 2,915 |
| 230. | 14.7% | Bolton School District / 1,160 |
| 231. | 14.5% | Thetford School District / 2,611 |
| 232. | 14.5% | Barre Town School District / 7,879 |
| 233. | 14.4% | East Montpelier School District / 2,591 |
| 234. | 14.3% | Eden School District / 1,140 |
| 235. | 14.3% | Stratton School District / 203 |
| 236. | 14.2% | Guilford School District / 2,058 |
| 237. | 14.2% | Bellows Free Academy Union High School District 48 / 12,999 |
| 238. | 14.1% | Mount Abraham Union High School District 28 / 10,460 |
| 239. | 14.1% | Rutland Town School District / 4,081 |
| 240. | 13.9% | Essex Junction Incorporated School District / 9,155 |
| 241. | 13.8% | Williston School District / 8,496 |
| 242. | 13.6% | Monkton School District / 2,004 |
| 243. | 13.6% | North Hero School District / 1,022 |
| 244. | 13.5% | Lincoln School District / 1,104 |
| 245. | 13.1% | Cambridge School District / 3,544 |
| 246. | 12.8% | Essex Community Education Center / 19,431 |
| 247. | 12.8% | St. Albans City School District / 7,044 |
| 248. | 12.7% | Derby School District / 4,656 |
| 249. | 12.3% | Shaftsbury School District / 2,785 |
| 250. | 12.3% | Bristol School District / 3,890 |
| 251. | 12.2% | Elmore School District / 745 |
| 252. | 12.0% | Underhill Incorporated School District / 2,010 |
| 253. | 12.0% | Essex Town School District / 10,276 |
| 254. | 11.3% | Clarendon School District / 2,629 |
| 255. | 11.2% | Ira School District / 405 |
| 256. | 10.8% | Starksboro School District / 1,870 |
| 257. | 10.7% | Weybridge School District / 838 |
| 258. | 10.5% | Westford School District / 2,004 |
| 259. | 10.0% | Ripton School District / 521 |
| 260. | 9.8% | Washington School District / 989 |
| 261. | 7.4% | Lemington School District / 99 |
| 262. | 6.7% | Searsburg School District / 148 |
| 263. | 4.4% | Brookline School District / 603 |
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.
