| Rank | Owner Occupied Housing Units with Mortgage Percentage ▼ | School District / Population |
| 1. | 91.6% | Loudoun County Public Schools / 277,465 |
| 2. | 91.2% | Manassas Park City Public Schools / 11,633 |
| 3. | 89.7% | Prince William County Public Schools / 355,788 |
| 4. | 85.9% | Stafford County Public Schools / 117,882 |
| 5. | 85.0% | Spotsylvania County Public Schools / 118,512 |
| 6. | 84.6% | Manassas City Public Schools / 35,559 |
| 7. | 84.3% | Fairfax County Public Schools / 1,012,751 |
| 8. | 82.6% | Alexandria City Public Schools / 142,131 |
| 9. | 81.7% | Virginia Beach City Public Schools / 434,922 |
| 10. | 81.4% | Chesterfield County Public Schools / 298,009 |
| 11. | 81.4% | Chesapeake City Public Schools / 219,425 |
| 12. | 80.8% | Fairfax City Public Schools / 23,369 |
| 13. | 80.3% | Arlington County Public Schools / 206,405 |
| 14. | 78.9% | Fauquier County Public Schools / 66,330 |
| 15. | 78.3% | Henrico County Public Schools / 289,171 |
| 16. | 78.1% | York County Public Schools / 61,269 |
| 17. | 77.8% | King William County Public Schools / 12,415 |
| 18. | 77.6% | Culpeper County Public Schools / 44,923 |
| 19. | 76.2% | Falls Church City Public Schools / 11,233 |
| 20. | 75.4% | Suffolk City Public Schools / 81,062 |
| 21. | 74.8% | Newport News City Public Schools / 192,635 |
| 22. | 74.8% | Hampton City Public Schools / 145,903 |
| 23. | 74.7% | New Kent County Public Schools / 17,137 |
| 24. | 74.6% | Hanover County Public Schools / 98,602 |
| 25. | 74.3% | Norfolk City Public Schools / 236,071 |
| 26. | 74.1% | James City County Public Schools / 60,864 |
| 27. | 74.1% | Portsmouth City Public Schools / 100,674 |
| 28. | 73.4% | Greene County Public Schools / 17,890 |
| 29. | 72.9% | King George County Public Schools / 20,552 |
| 30. | 72.7% | Frederick County Public Schools / 72,120 |
| 31. | 72.6% | Powhatan County Public Schools / 27,334 |
| 32. | 72.4% | Albemarle County Public Schools / 92,866 |
| 33. | 72.3% | Warren County Public Schools / 36,087 |
| 34. | 71.8% | Fluvanna County Public Schools / 25,162 |
| 35. | 71.7% | Prince George County Public Schools / 36,364 |
| 36. | 71.4% | Caroline County Public Schools / 26,917 |
| 37. | 70.4% | West Point Town Public Schools / 3,077 |
| 38. | 70.0% | Richmond City Public Schools / 200,976 |
| 39. | 69.9% | Poquoson City Public Schools / 11,775 |
| 40. | 69.4% | Orange County Public Schools / 32,140 |
| 41. | 69.4% | Roanoke County Public Schools / 89,905 |
| 42. | 68.8% | Isle of Wight County Public Schools / 34,705 |
| 43. | 68.7% | Harrisonburg City Public Schools / 43,983 |
| 44. | 68.4% | Gloucester County Public Schools / 38,229 |
| 45. | 68.2% | Louisa County Public Schools / 31,661 |
| 46. | 68.1% | Clarke County Public Schools / 14,359 |
| 47. | 68.0% | Bedford County Public Schools / 65,916 |
| 48. | 67.4% | Goochland County Public Schools / 20,429 |
| 49. | 66.5% | Botetourt County Public Schools / 32,231 |
| 50. | 66.4% | Dinwiddie County Public Schools / 25,787 |
| 51. | 66.3% | Rappahannock County Public Schools / 7,171 |
| 52. | 66.3% | Montgomery County Public Schools / 89,109 |
| 53. | 66.3% | Salem City Public Schools / 25,139 |
| 54. | 65.9% | Waynesboro City Public Schools / 21,699 |
| 55. | 65.7% | Roanoke City Public Schools / 93,271 |
| 56. | 65.5% | Staunton City Public Schools / 23,645 |
| 57. | 65.5% | Radford City Public Schools / 16,062 |
| 58. | 64.2% | Colonial Beach Town Public Schools / 3,440 |
| 59. | 63.9% | Lynchburg City Public Schools / 71,357 |
| 60. | 63.7% | Southampton County Public Schools / 18,177 |
| 61. | 63.2% | Fredericksburg City Public Schools / 22,314 |
| 62. | 62.2% | Essex County Public Schools / 10,813 |
| 63. | 62.0% | Amherst County Public Schools / 32,185 |
| 64. | 61.6% | Augusta County Public Schools / 70,991 |
| 65. | 61.5% | Franklin City Public Schools / 8,728 |
| 66. | 61.3% | Hopewell City Public Schools / 22,933 |
| 67. | 61.1% | Charlottesville City Public Schools / 41,393 |
| 68. | 61.0% | Campbell County Public Schools / 52,542 |
| 69. | 60.8% | Rockingham County Public Schools / 73,570 |
| 70. | 60.8% | Shenandoah County Public Schools / 40,325 |
| 71. | 60.6% | Colonial Heights City Public Schools / 17,707 |
| 72. | 60.5% | King and Queen County Public Schools / 6,806 |
| 73. | 60.5% | Bedford City Public Schools / 6,291 |
| 74. | 59.6% | Winchester City Public Schools / 25,977 |
| 75. | 59.4% | Appomattox County Public Schools / 14,218 |
| 76. | 59.2% | Surry County Public Schools / 7,026 |
| 77. | 58.7% | Prince Edward County Public Schools / 21,581 |
| 78. | 58.6% | Petersburg City Public Schools / 32,845 |
| 79. | 58.5% | Cumberland County Public Schools / 9,536 |
| 80. | 58.3% | Pittsylvania County Public Schools / 61,156 |
| 81. | 58.0% | Charles City County Public Schools / 7,146 |
| 82. | 57.7% | Brunswick County Public Schools / 17,786 |
| 83. | 57.6% | Bath County Public Schools / 4,636 |
| 84. | 57.6% | Franklin County Public Schools / 51,023 |
| 85. | 57.3% | Northampton County Public Schools / 13,422 |
| 86. | 56.6% | Lancaster County Public Schools / 11,408 |
| 87. | 56.1% | Giles County Public Schools / 17,193 |
| 88. | 56.0% | Amelia County Public Schools / 12,581 |
| 89. | 55.8% | Emporia City Public Schools / 5,605 |
| 90. | 55.8% | Westmoreland County Public Schools / 13,863 |
| 91. | 55.6% | Danville City Public Schools / 44,978 |
| 92. | 55.6% | Pulaski County Public Schools / 34,910 |
| 93. | 55.4% | Williamsburg City Public Schools / 12,330 |
| 94. | 55.4% | Rockbridge County Public Schools / 21,311 |
| 95. | 55.1% | Martinsville City Public Schools / 14,660 |
| 96. | 54.6% | Buckingham County Public Schools / 15,932 |
| 97. | 53.9% | Alleghany County Public Schools / 16,397 |
| 98. | 53.6% | Middlesex County Public Schools / 10,626 |
| 99. | 53.5% | Nelson County Public Schools / 15,204 |
| 100. | 53.4% | Page County Public Schools / 24,026 |
| 101. | 53.1% | Nottoway County Public Schools / 15,790 |
| 102. | 52.9% | Richmond County Public Schools / 9,070 |
| 103. | 52.7% | Lunenburg County Public Schools / 12,908 |
| 104. | 52.5% | Name N/A / 6,909 |
| 104. | 52.5% | Lexington City Public Schools / 6,909 |
| 106. | 52.4% | Greensville County Public Schools / 11,916 |
| 107. | 52.3% | Wythe County Public Schools / 28,517 |
| 108. | 52.1% | Smyth County Public Schools / 31,996 |
| 109. | 51.9% | Craig County Public Schools / 5,055 |
| 110. | 51.8% | Washington County Public Schools / 52,547 |
| 111. | 51.1% | Halifax County Public Schools / 35,460 |
| 112. | 51.0% | Madison County Public Schools / 13,571 |
| 113. | 50.8% | Henry County Public Schools / 55,480 |
| 114. | 50.7% | Mecklenburg County Public Schools / 31,987 |
| 115. | 50.7% | Northumberland County Public Schools / 12,890 |
| 116. | 50.4% | Buena Vista City Public Schools / 6,285 |
| 117. | 49.9% | Bland County Public Schools / 6,792 |
| 118. | 49.2% | Charlotte County Public Schools / 12,222 |
| 119. | 48.7% | Floyd County Public Schools / 14,756 |
| 120. | 48.3% | Mathews County Public Schools / 9,011 |
| 121. | 47.8% | Covington City Public Schools / 6,171 |
| 122. | 47.5% | Bristol City Public Schools / 17,526 |
| 123. | 47.5% | Norton City Public Schools / 3,688 |
| 124. | 47.0% | Wise County Public Schools / 41,715 |
| 125. | 46.3% | Sussex County Public Schools / 12,051 |
| 126. | 45.4% | Patrick County Public Schools / 18,755 |
| 127. | 45.0% | Accomack County Public Schools / 38,522 |
| 128. | 44.6% | Grayson County Public Schools / 16,056 |
| 129. | 44.1% | Scott County Public Schools / 22,771 |
| 130. | 44.1% | Russell County Public Schools / 28,921 |
| 131. | 43.4% | Carroll County Public Schools / 29,137 |
| 132. | 42.7% | Tazewell County Public Schools / 44,307 |
| 133. | 42.2% | Galax City Public Schools / 6,806 |
| 134. | 41.8% | Lee County Public Schools / 25,001 |
| 135. | 35.9% | Dickenson County Public Schools / 16,099 |
| 136. | 35.1% | Highland County Public Schools / 2,399 |
| 137. | 35.0% | Quantico Marine Corps Center School District / 7,676 |
| 138. | 31.1% | Buchanan County Public Schools / 23,584 |
Please note that we only rank locations with 'Owner Occupied Housing Units with Mortgage Percentage' data. The rank above might not be a complete list. Locations without 'Owner Occupied Housing Units with Mortgage 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.
