| Rank | Owner Occupied Housing Units Mortgage Free Percentage ▼ | School District / Population |
| 1. | 68.9% | Buchanan County Public Schools / 23,584 |
| 2. | 65.0% | Quantico Marine Corps Center School District / 7,676 |
| 3. | 64.9% | Highland County Public Schools / 2,399 |
| 4. | 64.1% | Dickenson County Public Schools / 16,099 |
| 5. | 58.2% | Lee County Public Schools / 25,001 |
| 6. | 57.8% | Galax City Public Schools / 6,806 |
| 7. | 57.3% | Tazewell County Public Schools / 44,307 |
| 8. | 56.6% | Carroll County Public Schools / 29,137 |
| 9. | 56.0% | Russell County Public Schools / 28,921 |
| 10. | 55.9% | Scott County Public Schools / 22,771 |
| 11. | 55.4% | Grayson County Public Schools / 16,056 |
| 12. | 55.0% | Accomack County Public Schools / 38,522 |
| 13. | 54.6% | Patrick County Public Schools / 18,755 |
| 14. | 53.7% | Sussex County Public Schools / 12,051 |
| 15. | 53.0% | Wise County Public Schools / 41,715 |
| 16. | 52.5% | Norton City Public Schools / 3,688 |
| 17. | 52.5% | Bristol City Public Schools / 17,526 |
| 18. | 52.2% | Covington City Public Schools / 6,171 |
| 19. | 51.7% | Mathews County Public Schools / 9,011 |
| 20. | 51.3% | Floyd County Public Schools / 14,756 |
| 21. | 50.8% | Charlotte County Public Schools / 12,222 |
| 22. | 50.1% | Bland County Public Schools / 6,792 |
| 23. | 49.6% | Buena Vista City Public Schools / 6,285 |
| 24. | 49.3% | Northumberland County Public Schools / 12,890 |
| 25. | 49.3% | Mecklenburg County Public Schools / 31,987 |
| 26. | 49.2% | Henry County Public Schools / 55,480 |
| 27. | 49.0% | Madison County Public Schools / 13,571 |
| 28. | 48.9% | Halifax County Public Schools / 35,460 |
| 29. | 48.2% | Washington County Public Schools / 52,547 |
| 30. | 48.1% | Craig County Public Schools / 5,055 |
| 31. | 47.9% | Smyth County Public Schools / 31,996 |
| 32. | 47.7% | Wythe County Public Schools / 28,517 |
| 33. | 47.6% | Greensville County Public Schools / 11,916 |
| 34. | 47.5% | Name N/A / 6,909 |
| 34. | 47.5% | Lexington City Public Schools / 6,909 |
| 36. | 47.3% | Lunenburg County Public Schools / 12,908 |
| 37. | 47.1% | Richmond County Public Schools / 9,070 |
| 38. | 46.9% | Nottoway County Public Schools / 15,790 |
| 39. | 46.6% | Page County Public Schools / 24,026 |
| 40. | 46.5% | Nelson County Public Schools / 15,204 |
| 41. | 46.5% | Middlesex County Public Schools / 10,626 |
| 42. | 46.1% | Alleghany County Public Schools / 16,397 |
| 43. | 45.4% | Buckingham County Public Schools / 15,932 |
| 44. | 44.9% | Martinsville City Public Schools / 14,660 |
| 45. | 44.7% | Rockbridge County Public Schools / 21,311 |
| 46. | 44.6% | Williamsburg City Public Schools / 12,330 |
| 47. | 44.5% | Pulaski County Public Schools / 34,910 |
| 48. | 44.4% | Danville City Public Schools / 44,978 |
| 49. | 44.2% | Westmoreland County Public Schools / 13,863 |
| 50. | 44.2% | Emporia City Public Schools / 5,605 |
| 51. | 44.0% | Amelia County Public Schools / 12,581 |
| 52. | 43.9% | Giles County Public Schools / 17,193 |
| 53. | 43.4% | Lancaster County Public Schools / 11,408 |
| 54. | 42.7% | Northampton County Public Schools / 13,422 |
| 55. | 42.4% | Franklin County Public Schools / 51,023 |
| 56. | 42.4% | Bath County Public Schools / 4,636 |
| 57. | 42.3% | Brunswick County Public Schools / 17,786 |
| 58. | 42.0% | Charles City County Public Schools / 7,146 |
| 59. | 41.7% | Pittsylvania County Public Schools / 61,156 |
| 60. | 41.5% | Cumberland County Public Schools / 9,536 |
| 61. | 41.4% | Petersburg City Public Schools / 32,845 |
| 62. | 41.3% | Prince Edward County Public Schools / 21,581 |
| 63. | 40.8% | Surry County Public Schools / 7,026 |
| 64. | 40.6% | Appomattox County Public Schools / 14,218 |
| 65. | 40.4% | Winchester City Public Schools / 25,977 |
| 66. | 39.5% | Bedford City Public Schools / 6,291 |
| 67. | 39.5% | King and Queen County Public Schools / 6,806 |
| 68. | 39.4% | Colonial Heights City Public Schools / 17,707 |
| 69. | 39.2% | Shenandoah County Public Schools / 40,325 |
| 70. | 39.2% | Rockingham County Public Schools / 73,570 |
| 71. | 39.0% | Campbell County Public Schools / 52,542 |
| 72. | 38.9% | Charlottesville City Public Schools / 41,393 |
| 73. | 38.7% | Hopewell City Public Schools / 22,933 |
| 74. | 38.5% | Franklin City Public Schools / 8,728 |
| 75. | 38.4% | Augusta County Public Schools / 70,991 |
| 76. | 38.0% | Amherst County Public Schools / 32,185 |
| 77. | 37.8% | Essex County Public Schools / 10,813 |
| 78. | 36.8% | Fredericksburg City Public Schools / 22,314 |
| 79. | 36.4% | Southampton County Public Schools / 18,177 |
| 80. | 36.2% | Lynchburg City Public Schools / 71,357 |
| 81. | 35.8% | Colonial Beach Town Public Schools / 3,440 |
| 82. | 34.5% | Radford City Public Schools / 16,062 |
| 83. | 34.5% | Staunton City Public Schools / 23,645 |
| 84. | 34.3% | Roanoke City Public Schools / 93,271 |
| 85. | 34.1% | Waynesboro City Public Schools / 21,699 |
| 86. | 33.7% | Salem City Public Schools / 25,139 |
| 87. | 33.7% | Montgomery County Public Schools / 89,109 |
| 88. | 33.7% | Rappahannock County Public Schools / 7,171 |
| 89. | 33.6% | Dinwiddie County Public Schools / 25,787 |
| 90. | 33.5% | Botetourt County Public Schools / 32,231 |
| 91. | 32.7% | Goochland County Public Schools / 20,429 |
| 92. | 32.0% | Bedford County Public Schools / 65,916 |
| 93. | 31.9% | Clarke County Public Schools / 14,359 |
| 94. | 31.8% | Louisa County Public Schools / 31,661 |
| 95. | 31.7% | Gloucester County Public Schools / 38,229 |
| 96. | 31.3% | Harrisonburg City Public Schools / 43,983 |
| 97. | 31.2% | Isle of Wight County Public Schools / 34,705 |
| 98. | 30.6% | Roanoke County Public Schools / 89,905 |
| 99. | 30.6% | Orange County Public Schools / 32,140 |
| 100. | 30.1% | Poquoson City Public Schools / 11,775 |
| 101. | 30.0% | Richmond City Public Schools / 200,976 |
| 102. | 29.6% | West Point Town Public Schools / 3,077 |
| 103. | 28.6% | Caroline County Public Schools / 26,917 |
| 104. | 28.3% | Prince George County Public Schools / 36,364 |
| 105. | 28.2% | Fluvanna County Public Schools / 25,162 |
| 106. | 27.7% | Warren County Public Schools / 36,087 |
| 107. | 27.7% | Albemarle County Public Schools / 92,866 |
| 108. | 27.4% | Powhatan County Public Schools / 27,334 |
| 109. | 27.4% | Frederick County Public Schools / 72,120 |
| 110. | 27.1% | King George County Public Schools / 20,552 |
| 111. | 26.6% | Greene County Public Schools / 17,890 |
| 112. | 25.9% | Portsmouth City Public Schools / 100,674 |
| 113. | 25.9% | James City County Public Schools / 60,864 |
| 114. | 25.7% | Norfolk City Public Schools / 236,071 |
| 115. | 25.4% | Hanover County Public Schools / 98,602 |
| 116. | 25.3% | New Kent County Public Schools / 17,137 |
| 117. | 25.2% | Hampton City Public Schools / 145,903 |
| 118. | 25.2% | Newport News City Public Schools / 192,635 |
| 119. | 24.6% | Suffolk City Public Schools / 81,062 |
| 120. | 23.8% | Falls Church City Public Schools / 11,233 |
| 121. | 22.4% | Culpeper County Public Schools / 44,923 |
| 122. | 22.2% | King William County Public Schools / 12,415 |
| 123. | 21.9% | York County Public Schools / 61,269 |
| 124. | 21.7% | Henrico County Public Schools / 289,171 |
| 125. | 21.1% | Fauquier County Public Schools / 66,330 |
| 126. | 19.7% | Arlington County Public Schools / 206,405 |
| 127. | 19.2% | Fairfax City Public Schools / 23,369 |
| 128. | 18.6% | Chesapeake City Public Schools / 219,425 |
| 129. | 18.6% | Chesterfield County Public Schools / 298,009 |
| 130. | 18.3% | Virginia Beach City Public Schools / 434,922 |
| 131. | 17.4% | Alexandria City Public Schools / 142,131 |
| 132. | 15.7% | Fairfax County Public Schools / 1,012,751 |
| 133. | 15.4% | Manassas City Public Schools / 35,559 |
| 134. | 15.0% | Spotsylvania County Public Schools / 118,512 |
| 135. | 14.1% | Stafford County Public Schools / 117,882 |
| 136. | 10.3% | Prince William County Public Schools / 355,788 |
| 137. | 8.8% | Manassas Park City Public Schools / 11,633 |
| 138. | 8.4% | Loudoun County Public Schools / 277,465 |
Please note that we only rank locations with 'Owner Occupied Housing Units Mortgage Free Percentage' data. The rank above might not be a complete list. Locations without 'Owner Occupied Housing Units Mortgage Free Percentage' 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.
