| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 48.5% | Searsburg School District / 128 |
| 2. | 46.3% | Roxbury School District / 606 |
| 3. | 43.5% | Sandgate School District / 619 |
| 4. | 42.5% | Wardsboro School District / 689 |
| 5. | 42.2% | Charleston School District / 857 |
| 6. | 41.6% | Name N/A / 1,598 |
| 7. | 41.6% | St. George School District / 665 |
| 8. | 41.3% | Plymouth School District / 495 |
| 9. | 41.1% | Stowe School District / 4,319 |
| 10. | 40.9% | Victory School District / 139 |
| 10. | 40.9% | Brunswick School District / 91 |
| 12. | 40.0% | Windham School District / 403 |
| 13. | 38.7% | Royalton School District / 2,766 |
| 14. | 38.1% | Name N/A / 356 |
| 15. | 37.8% | Sutton School District / 1,062 |
| 16. | 37.0% | Goshen School District / 203 |
| 17. | 36.7% | Maidstone School District / 187 |
| 18. | 36.6% | Wells School District / 1,431 |
| 19. | 36.1% | Fair Haven School District / 2,737 |
| 20. | 35.7% | Reading School District / 654 |
| 21. | 35.6% | Dorset School District / 2,032 |
| 22. | 35.5% | Newport Town School District / 1,514 |
| 23. | 35.4% | Flood Brook Union School District 20 / 2,729 |
| 24. | 34.9% | Woodford School District / 367 |
| 25. | 34.8% | Walden School District / 956 |
| 26. | 34.5% | Mount Tabor School District / 188 |
| 27. | 34.0% | Richford School District / 2,408 |
| 28. | 33.7% | Lowell School District / 915 |
| 29. | 33.6% | Isle La Motte School District / 510 |
| 30. | 33.4% | North Country Union High School District 22 / 6,390 |
| 31. | 33.2% | South Hero School District / 1,627 |
| 32. | 33.1% | Jamaica School District / 837 |
| 32. | 33.1% | Albany School District / 865 |
| 34. | 33.0% | Halifax School District / 816 |
| 35. | 32.7% | Baltimore School District / 259 |
| 36. | 32.6% | Ludlow School District / 2,061 |
| 37. | 32.5% | Name N/A / 693 |
| 38. | 32.5% | Troy School District / 1,580 |
| 39. | 32.3% | Whitingham School District / 1,320 |
| 40. | 32.2% | Warren School District / 1,494 |
| 41. | 32.1% | Black River Union School District 39 / 3,166 |
| 42. | 32.0% | North Bennington Incorporated School District / 2,542 |
| 43. | 31.8% | Belvidere School District / 335 |
| 44. | 31.7% | Pittsfield School District / 580 |
| 45. | 31.6% | Newbury School District / 1,840 |
| 46. | 31.6% | Norton School District / 164 |
| 47. | 31.4% | Stamford School District / 819 |
| 48. | 31.4% | Mount Holly School District / 1,105 |
| 49. | 31.3% | Woodbury School District / 994 |
| 50. | 31.2% | Concord School District / 1,266 |
| 51. | 31.2% | Sherburne School District / 798 |
| 52. | 30.4% | Name N/A / 601 |
| 53. | 29.8% | Pomfret School District / 945 |
| 54. | 29.5% | Johnson School District / 3,443 |
| 55. | 29.5% | Millers Run Union School District 37 / 1,199 |
| 56. | 29.5% | Addison School District / 1,363 |
| 57. | 29.4% | Currier Memorial Union School District 23 / 1,694 |
| 58. | 29.3% | Sheldon School District / 2,370 |
| 59. | 29.1% | Highgate School District / 3,539 |
| 60. | 29.1% | Franklin School District / 1,241 |
| 61. | 29.0% | Rupert School District / 729 |
| 62. | 29.0% | Danby School District / 1,506 |
| 63. | 28.9% | Stratton School District / 156 |
| 64. | 28.8% | Brattleboro School District / 11,982 |
| 65. | 28.6% | Newport City School District / 4,601 |
| 66. | 28.6% | Lunenburg School District / 1,437 |
| 67. | 28.4% | Oxbow Union High School District 30 / 4,618 |
| 68. | 28.3% | Dover School District / 1,364 |
| 69. | 28.2% | Arlington School District / 2,278 |
| 70. | 28.2% | Wallingford School District / 2,158 |
| 71. | 28.1% | Waterville School District / 787 |
| 72. | 28.1% | Winhall School District / 659 |
| 73. | 27.9% | Cabot School District / 1,470 |
| 74. | 27.9% | Putney School District / 2,698 |
| 75. | 27.7% | Salisbury School District / 1,177 |
| 76. | 27.6% | Name N/A / 489 |
| 77. | 27.5% | Woodstock Union High School District 4 / 7,151 |
| 78. | 27.2% | Alburgh School District / 1,785 |
| 79. | 27.1% | Brattleboro Union High School District 6 / 14,120 |
| 80. | 27.0% | Whiting School District / 448 |
| 81. | 26.8% | Tunbridge School District / 1,249 |
| 82. | 26.7% | Fletcher School District / 1,265 |
| 83. | 26.7% | Name N/A / 589 |
| 84. | 26.6% | Mettawee Community Union School District 47 / 2,310 |
| 85. | 26.4% | Shoreham School District / 1,165 |
| 86. | 26.3% | Randolph School District / 4,794 |
| 87. | 26.1% | Woodstock School District / 3,052 |
| 88. | 26.1% | Craftsbury School District / 1,207 |
| 89. | 26.1% | Wolcott School District / 1,545 |
| 90. | 26.0% | Stockbridge School District / 658 |
| 91. | 25.9% | Morristown School District / 5,231 |
| 92. | 25.6% | Berlin School District / 2,880 |
| 92. | 25.6% | Mendon School District / 848 |
| 94. | 25.5% | Bradford Incorporated School District / 2,778 |
| 95. | 25.5% | Rutland City School District / 16,478 |
| 96. | 25.5% | Pawlet School District / 1,581 |
| 97. | 25.3% | Bridgewater School District / 681 |
| 98. | 25.2% | Manchester School District / 4,364 |
| 99. | 25.2% | Fayston School District / 1,083 |
| 100. | 24.8% | West Windsor School District / 1,137 |
| 101. | 24.8% | Irasburg School District / 1,231 |
| 102. | 24.8% | Brownington School District / 878 |
| 103. | 24.4% | Brighton School District / 923 |
| 104. | 24.4% | Sudbury School District / 451 |
| 105. | 24.2% | Bethel School District / 2,131 |
| 106. | 24.0% | Randolph Union High School District 2 / 7,153 |
| 107. | 23.9% | Enosburgh School District / 2,788 |
| 108. | 23.8% | Burlington School District / 42,259 |
| 109. | 23.8% | Readsboro School District / 799 |
| 110. | 23.8% | Cavendish School District / 1,503 |
| 110. | 23.8% | Harwood Union High School District 19 / 5,958 |
| 112. | 23.7% | Newfane School District / 1,768 |
| 113. | 23.7% | Granville School District / 323 |
| 114. | 23.7% | Proctor School District / 1,740 |
| 115. | 23.7% | Name N/A / 11,406 |
| 116. | 23.4% | Burke School District / 1,736 |
| 117. | 23.3% | Westmore School District / 340 |
| 118. | 23.3% | Barnard School District / 1,021 |
| 119. | 23.2% | Middletown Springs School District / 708 |
| 120. | 23.2% | Braintree School District / 1,212 |
| 121. | 23.2% | Fairfax School District / 4,303 |
| 122. | 23.1% | Poultney School District / 3,439 |
| 123. | 23.0% | Bridport School District / 1,264 |
| 124. | 22.9% | Calais School District / 1,552 |
| 125. | 22.9% | St. Johnsbury School District / 7,623 |
| 126. | 22.8% | Name N/A / 9,281 |
| 127. | 22.7% | Lemington School District / 122 |
| 128. | 22.7% | Westminster School District / 3,158 |
| 129. | 22.7% | Benson School District / 983 |
| 130. | 22.6% | Leland and Gray Union High School District 34 / 4,790 |
| 131. | 22.6% | Windsor School District / 3,545 |
| 132. | 22.4% | Blue Mountain Union School District 21 / 2,582 |
| 133. | 22.4% | Fair Haven Union High School District 16 / 9,860 |
| 134. | 22.3% | West Rutland School District / 2,391 |
| 135. | 22.2% | Mount Anthony Union High School District 14 / 13,890 |
| 135. | 22.2% | Bennington Incorporated School District / 13,890 |
| 137. | 22.2% | Rivendell Interstate School District / 2,396 |
| 138. | 22.2% | Barre City School District / 9,044 |
| 139. | 22.1% | Mill River Union School District 40 / 5,863 |
| 140. | 22.1% | Orleans Incorporated School District / 949 |
| 141. | 21.9% | Hartland School District / 3,383 |
| 142. | 21.8% | Shaftsbury School District / 2,859 |
| 143. | 21.8% | Strafford School District / 1,094 |
| 144. | 21.7% | Waitsfield School District / 1,789 |
| 145. | 21.7% | Lake Region Union High School District 24 / 7,208 |
| 146. | 21.5% | Georgia School District / 4,528 |
| 147. | 21.5% | Eden School District / 1,292 |
| 148. | 21.4% | Bellows Falls Union High School District 27 / 9,329 |
| 149. | 21.4% | Pittsford School District / 2,981 |
| 149. | 21.4% | Twinfield Union School District 33 / 3,085 |
| 151. | 21.4% | Berkshire School District / 1,570 |
| 152. | 21.3% | Chittenden School District / 1,172 |
| 153. | 21.2% | Hazen Union High School District 26 / 4,747 |
| 154. | 21.2% | Derby School District / 4,614 |
| 155. | 21.2% | Norwich School District / 3,423 |
| 156. | 21.1% | Morgan School District / 813 |
| 157. | 21.1% | Glover School District / 1,104 |
| 158. | 21.1% | Duxbury/Waterbury Union School District 45 / 6,492 |
| 158. | 21.1% | Springfield School District / 9,329 |
| 158. | 21.1% | Name N/A / 6,492 |
| 161. | 21.0% | Bakersfield School District / 1,428 |
| 162. | 20.9% | Thetford School District / 2,603 |
| 163. | 20.9% | Sunderland School District / 848 |
| 164. | 20.8% | Washington School District / 975 |
| 164. | 20.8% | Elmore School District / 913 |
| 166. | 20.8% | Name N/A / 282 |
| 167. | 20.7% | Name N/A / 407,714 |
| 168. | 20.7% | Huntington School District / 1,935 |
| 169. | 20.6% | Union High School District 32 / 9,886 |
| 170. | 20.4% | Vergennes Union High School District 5 / 7,935 |
| 171. | 20.4% | Vergennes Union High School District 44 / 3,798 |
| 172. | 20.2% | Vernon School District / 2,138 |
| 173. | 20.1% | North Hero School District / 871 |
| 174. | 20.1% | Lakeview Union School District 43 / 1,021 |
| 175. | 20.0% | Lyndon School District / 5,953 |
| 176. | 19.9% | St. Albans Town School District / 6,045 |
| 177. | 19.8% | Hartford School District / 9,943 |
| 178. | 19.8% | Rockingham School District / 5,242 |
| 179. | 19.7% | Colchester School District / 17,139 |
| 180. | 19.5% | Montpelier School District / 7,847 |
| 181. | 19.5% | Danville School District / 2,258 |
| 182. | 19.5% | Name N/A / 440 |
| 183. | 19.5% | Cornwall School District / 1,135 |
| 184. | 19.4% | South Burlington School District / 17,913 |
| 185. | 19.3% | Green Mountain Union High School District 35 / 5,040 |
| 186. | 19.1% | Bloomfield School District / 189 |
| 187. | 19.0% | Pownal School District / 3,513 |
| 188. | 18.9% | Kirby School District / 461 |
| 188. | 18.9% | Missisquoi Valley Union High School District 7 / 11,201 |
| 190. | 18.9% | East Haven School District / 312 |
| 191. | 18.9% | Middlesex School District / 1,778 |
| 192. | 18.8% | Weathersfield School District / 2,823 |
| 193. | 18.8% | West Haven School District / 318 |
| 194. | 18.7% | East Montpelier School District / 2,591 |
| 195. | 18.4% | Shrewsbury School District / 1,130 |
| 196. | 18.3% | Clarendon School District / 2,575 |
| 197. | 18.3% | Winooski Incorporated School District / 7,223 |
| 198. | 18.2% | Chester-Andover Union School District 29 / 3,537 |
| 199. | 18.1% | Orwell School District / 1,122 |
| 200. | 18.0% | Spaulding Union High School District 41 / 16,954 |
| 201. | 18.0% | Middlebury Union High School District 3 / 14,608 |
| 202. | 18.0% | Name N/A / 6,644 |
| 203. | 18.0% | Bellows Free Academy Union High School District 48 / 12,989 |
| 204. | 18.0% | Grand Isle School District / 2,239 |
| 205. | 17.9% | Barnet School District / 1,735 |
| 205. | 17.9% | Otter Valley Union High School District 8 / 9,197 |
| 207. | 17.9% | Lamoille Union High School District 18 / 12,463 |
| 208. | 17.8% | Hardwick School District / 3,014 |
| 209. | 17.8% | Waits River Valley Union School District 36 / 2,569 |
| 210. | 17.6% | Underhill Town School District / 2,257 |
| 211. | 17.6% | Northfield School District / 6,170 |
| 212. | 17.5% | Townshend School District / 1,151 |
| 213. | 17.5% | Dummerston School District / 1,939 |
| 214. | 17.3% | Hinesburg School District / 4,407 |
| 215. | 17.2% | New Haven School District / 1,670 |
| 216. | 17.1% | Essex Junction Incorporated School District / 9,298 |
| 217. | 17.0% | Orange School District / 1,147 |
| 218. | 17.0% | Brookfield School District / 1,147 |
| 219. | 16.7% | Guildhall School District / 231 |
| 220. | 16.6% | Coventry School District / 1,171 |
| 220. | 16.6% | Canaan School District / 1,129 |
| 222. | 16.6% | Moretown School District / 1,592 |
| 223. | 16.2% | Montgomery School District / 921 |
| 224. | 16.2% | Milton School District / 10,358 |
| 225. | 15.8% | St. Albans City School District / 6,944 |
| 226. | 15.7% | Rochester School District / 959 |
| 227. | 15.6% | Ferrisburg School District / 2,774 |
| 228. | 15.5% | Peacham School District / 743 |
| 229. | 15.5% | Williston School District / 8,723 |
| 230. | 15.4% | Charlotte School District / 3,756 |
| 231. | 15.4% | Waterford School District / 1,443 |
| 232. | 15.3% | Rutland Town School District / 4,060 |
| 233. | 15.2% | Fairfield School District / 2,082 |
| 234. | 15.2% | Sharon School District / 1,713 |
| 235. | 15.1% | Bristol School District / 3,889 |
| 236. | 15.1% | Barre Town School District / 7,910 |
| 237. | 15.0% | Champlain Valley Union High School District 15 / 24,151 |
| 238. | 14.9% | Tinmouth School District / 602 |
| 239. | 14.8% | Mount Mansfield Union School District 17 / 15,149 |
| 240. | 14.8% | Marlboro School District / 1,145 |
| 241. | 14.6% | Castleton-Hubbardton Union School District 42 / 5,236 |
| 242. | 14.6% | Hancock School District / 403 |
| 243. | 14.6% | Mount Abraham Union High School District 28 / 10,612 |
| 244. | 14.4% | Chelsea School District / 1,414 |
| 245. | 14.3% | Brandon School District / 3,954 |
| 246. | 14.2% | Bolton School District / 1,097 |
| 247. | 14.0% | Essex Community Education Center / 19,678 |
| 248. | 13.9% | Middlebury Incorporated School District / 8,486 |
| 249. | 13.7% | Monkton School District / 2,007 |
| 250. | 13.6% | Cambridge School District / 3,647 |
| 251. | 13.6% | Starksboro School District / 1,847 |
| 252. | 13.6% | Worcester School District / 1,085 |
| 253. | 13.5% | Leicester School District / 1,160 |
| 254. | 13.4% | Jericho School District / 3,735 |
| 255. | 13.1% | Richmond School District / 4,081 |
| 256. | 13.0% | Newark School District / 488 |
| 257. | 12.4% | Lincoln School District / 1,199 |
| 258. | 12.3% | Shelburne School District / 7,265 |
| 259. | 11.8% | Essex Town School District / 10,380 |
| 260. | 11.8% | Barton Incorporated School District / 1,841 |
| 261. | 11.5% | Westford School District / 2,110 |
| 262. | 11.4% | Underhill Incorporated School District / 2,044 |
| 263. | 11.0% | Ripton School District / 544 |
| 264. | 10.6% | Swanton School District / 6,421 |
| 265. | 10.6% | Hyde Park School District / 2,959 |
| 265. | 10.6% | Name N/A / 536 |
| 267. | 10.5% | Holland School District / 685 |
| 268. | 10.2% | Wilmington School District / 2,339 |
| 269. | 9.1% | Weybridge School District / 837 |
| 270. | 7.7% | Williamstown School District / 3,397 |
| 271. | 7.5% | Guilford School District / 2,007 |
| 272. | 7.5% | Name N/A / 186 |
| 273. | 6.0% | Ira School District / 449 |
| 273. | 6.0% | Brookline School District / 631 |
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.
