| Rank | Owner Occupied Housing Units with Mortgage Percentage ▼ | School District / Population |
| 1. | 91.4% | Loudoun County Public Schools / 291,653 |
| 2. | 91.3% | Manassas Park City Public Schools / 13,195 |
| 3. | 89.5% | Prince William County Public Schools / 372,547 |
| 4. | 85.7% | Stafford County Public Schools / 122,047 |
| 5. | 84.3% | Spotsylvania County Public Schools / 120,212 |
| 6. | 84.1% | Fairfax County Public Schools / 1,048,554 |
| 7. | 83.8% | Manassas City Public Schools / 36,067 |
| 8. | 82.2% | Alexandria City Public Schools / 133,647 |
| 9. | 81.3% | Chesapeake City Public Schools / 219,268 |
| 10. | 81.2% | Virginia Beach City Public Schools / 435,996 |
| 11. | 81.1% | Fairfax City Public Schools / 22,058 |
| 12. | 80.7% | Arlington County Public Schools / 197,467 |
| 13. | 80.5% | Falls Church City Public Schools / 11,465 |
| 14. | 79.3% | Chesterfield County Public Schools / 308,633 |
| 15. | 78.6% | York County Public Schools / 64,846 |
| 16. | 78.4% | Henrico County Public Schools / 300,053 |
| 17. | 78.3% | Fauquier County Public Schools / 64,546 |
| 18. | 77.0% | King William County Public Schools / 12,273 |
| 19. | 76.3% | Suffolk City Public Schools / 82,544 |
| 20. | 75.7% | Culpeper County Public Schools / 45,749 |
| 21. | 75.2% | New Kent County Public Schools / 17,655 |
| 22. | 75.1% | Hampton City Public Schools / 139,046 |
| 23. | 74.8% | Newport News City Public Schools / 181,822 |
| 24. | 74.3% | Hanover County Public Schools / 99,172 |
| 25. | 74.2% | Norfolk City Public Schools / 242,143 |
| 26. | 74.0% | King George County Public Schools / 21,051 |
| 27. | 74.0% | Portsmouth City Public Schools / 96,785 |
| 28. | 72.9% | Powhatan County Public Schools / 27,758 |
| 29. | 72.8% | Richmond City Public Schools / 201,828 |
| 30. | 72.7% | Frederick County Public Schools / 75,835 |
| 31. | 72.6% | Warren County Public Schools / 37,044 |
| 32. | 72.5% | James City County Public Schools / 64,386 |
| 33. | 72.4% | Greene County Public Schools / 18,082 |
| 34. | 72.2% | Fluvanna County Public Schools / 25,308 |
| 35. | 71.7% | Caroline County Public Schools / 27,844 |
| 36. | 71.5% | West Point Town Public Schools / 3,236 |
| 37. | 70.5% | Fredericksburg City Public Schools / 23,375 |
| 38. | 70.2% | Poquoson City Public Schools / 12,099 |
| 39. | 70.0% | Orange County Public Schools / 32,730 |
| 40. | 69.7% | Albemarle County Public Schools / 96,633 |
| 41. | 69.4% | Roanoke County Public Schools / 91,583 |
| 42. | 69.1% | Gloucester County Public Schools / 36,610 |
| 43. | 69.0% | Clarke County Public Schools / 14,013 |
| 44. | 68.9% | Louisa County Public Schools / 32,248 |
| 45. | 68.8% | Isle of Wight County Public Schools / 34,762 |
| 46. | 68.6% | Harrisonburg City Public Schools / 47,406 |
| 47. | 67.2% | Roanoke City Public Schools / 95,793 |
| 48. | 67.1% | Waynesboro City Public Schools / 20,885 |
| 49. | 67.0% | Botetourt County Public Schools / 32,867 |
| 50. | 66.8% | Winchester City Public Schools / 25,953 |
| 51. | 66.6% | Goochland County Public Schools / 21,136 |
| 52. | 66.6% | Bedford County Public Schools / 67,697 |
| 53. | 66.6% | Charlottesville City Public Schools / 42,267 |
| 54. | 66.5% | Prince George County Public Schools / 35,129 |
| 55. | 66.1% | Radford City Public Schools / 16,318 |
| 56. | 66.0% | Staunton City Public Schools / 23,806 |
| 57. | 64.9% | Lynchburg City Public Schools / 73,726 |
| 58. | 64.9% | Montgomery County Public Schools / 92,527 |
| 59. | 64.8% | Rappahannock County Public Schools / 7,376 |
| 60. | 64.7% | Dinwiddie County Public Schools / 27,449 |
| 61. | 64.2% | Bedford City Public Schools / 6,177 |
| 62. | 63.9% | Southampton County Public Schools / 18,493 |
| 63. | 63.2% | King and Queen County Public Schools / 6,926 |
| 64. | 62.8% | Amelia County Public Schools / 12,517 |
| 65. | 62.5% | Charles City County Public Schools / 7,205 |
| 66. | 62.3% | Hopewell City Public Schools / 22,506 |
| 67. | 61.9% | Salem City Public Schools / 24,641 |
| 68. | 61.1% | Amherst County Public Schools / 32,315 |
| 69. | 60.9% | Essex County Public Schools / 10,901 |
| 70. | 60.5% | Shenandoah County Public Schools / 41,468 |
| 71. | 60.3% | Campbell County Public Schools / 54,174 |
| 72. | 60.1% | Augusta County Public Schools / 73,201 |
| 73. | 60.1% | Rockingham County Public Schools / 74,922 |
| 74. | 60.1% | Petersburg City Public Schools / 32,303 |
| 75. | 59.4% | Colonial Beach Town Public Schools / 3,496 |
| 76. | 59.3% | Surry County Public Schools / 7,039 |
| 77. | 58.8% | Martinsville City Public Schools / 14,029 |
| 78. | 58.7% | Emporia City Public Schools / 5,822 |
| 79. | 58.5% | Colonial Heights City Public Schools / 17,472 |
| 80. | 57.5% | Appomattox County Public Schools / 14,653 |
| 81. | 57.4% | Prince Edward County Public Schools / 22,723 |
| 82. | 57.0% | Cumberland County Public Schools / 9,855 |
| 82. | 57.0% | Danville City Public Schools / 43,787 |
| 84. | 56.9% | Pulaski County Public Schools / 34,963 |
| 85. | 56.5% | Pittsylvania County Public Schools / 63,147 |
| 86. | 56.4% | Williamsburg City Public Schools / 13,421 |
| 87. | 56.1% | Franklin County Public Schools / 54,938 |
| 88. | 56.0% | Franklin City Public Schools / 8,549 |
| 88. | 56.0% | Lancaster County Public Schools / 11,478 |
| 90. | 55.8% | Nelson County Public Schools / 14,989 |
| 91. | 55.5% | Craig County Public Schools / 5,173 |
| 92. | 55.0% | Middlesex County Public Schools / 10,831 |
| 93. | 54.9% | Buena Vista City Public Schools / 6,653 |
| 94. | 54.8% | Madison County Public Schools / 13,342 |
| 95. | 54.7% | Westmoreland County Public Schools / 13,741 |
| 96. | 54.7% | Page County Public Schools / 24,116 |
| 97. | 54.5% | Brunswick County Public Schools / 17,707 |
| 98. | 54.4% | Northampton County Public Schools / 12,572 |
| 99. | 54.3% | Bath County Public Schools / 4,779 |
| 100. | 54.2% | Nottoway County Public Schools / 15,819 |
| 101. | 54.1% | Lexington City Public Schools / 6,990 |
| 101. | 54.1% | Name N/A / 6,990 |
| 103. | 53.7% | Giles County Public Schools / 17,205 |
| 104. | 53.6% | Rockbridge County Public Schools / 22,217 |
| 105. | 52.9% | Bland County Public Schools / 6,873 |
| 106. | 52.2% | Bristol City Public Schools / 17,704 |
| 107. | 51.9% | Alleghany County Public Schools / 16,406 |
| 108. | 51.6% | Greensville County Public Schools / 12,181 |
| 109. | 51.4% | Northumberland County Public Schools / 12,419 |
| 110. | 51.2% | Halifax County Public Schools / 36,311 |
| 111. | 51.2% | Charlotte County Public Schools / 12,644 |
| 112. | 51.1% | Mathews County Public Schools / 9,004 |
| 113. | 51.1% | Lunenburg County Public Schools / 12,968 |
| 114. | 50.8% | Richmond County Public Schools / 9,328 |
| 115. | 50.7% | Buckingham County Public Schools / 16,874 |
| 116. | 50.5% | Washington County Public Schools / 54,322 |
| 117. | 50.4% | Henry County Public Schools / 54,860 |
| 118. | 50.4% | Wythe County Public Schools / 29,005 |
| 119. | 50.1% | Mecklenburg County Public Schools / 32,774 |
| 120. | 49.2% | Covington City Public Schools / 5,989 |
| 121. | 49.0% | Floyd County Public Schools / 15,030 |
| 122. | 48.9% | Smyth County Public Schools / 32,383 |
| 123. | 47.1% | Wise County Public Schools / 41,496 |
| 124. | 46.8% | Quantico Marine Corps Center School District / 9,408 |
| 125. | 45.9% | Norton City Public Schools / 3,886 |
| 126. | 45.2% | Galax City Public Schools / 6,936 |
| 127. | 45.0% | Accomack County Public Schools / 34,066 |
| 128. | 44.0% | Patrick County Public Schools / 18,643 |
| 129. | 43.9% | Sussex County Public Schools / 12,167 |
| 130. | 43.0% | Scott County Public Schools / 23,234 |
| 131. | 42.5% | Lee County Public Schools / 25,434 |
| 132. | 42.4% | Carroll County Public Schools / 29,985 |
| 133. | 41.7% | Russell County Public Schools / 28,842 |
| 134. | 41.1% | Grayson County Public Schools / 15,855 |
| 135. | 41.0% | Tazewell County Public Schools / 44,706 |
| 136. | 37.9% | Dickenson County Public Schools / 15,966 |
| 137. | 35.8% | Highland County Public Schools / 2,395 |
| 138. | 32.4% | Buchanan County Public Schools / 24,459 |
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.
