| Rank | Owner Occupied Housing Units with Mortgage Percentage ▼ | School District / Population |
| 1. | 90.3% | Loudoun County Public Schools / 314,980 |
| 2. | 87.9% | Prince William County Public Schools / 397,080 |
| 3. | 87.4% | Manassas Park City Public Schools / 14,409 |
| 4. | 84.6% | Stafford County Public Schools / 127,288 |
| 5. | 82.5% | Fairfax County Public Schools / 1,083,770 |
| 6. | 82.3% | Spotsylvania County Public Schools / 122,854 |
| 7. | 81.6% | Falls Church City Public Schools / 12,300 |
| 8. | 81.2% | Manassas City Public Schools / 37,943 |
| 9. | 81.1% | Virginia Beach City Public Schools / 439,528 |
| 10. | 81.1% | Alexandria City Public Schools / 140,337 |
| 11. | 80.9% | Chesapeake City Public Schools / 223,233 |
| 12. | 80.2% | Arlington County Public Schools / 209,077 |
| 13. | 78.7% | Chesterfield County Public Schools / 316,895 |
| 14. | 77.0% | Henrico County Public Schools / 307,576 |
| 15. | 76.9% | Fairfax City Public Schools / 22,712 |
| 16. | 76.9% | York County Public Schools / 65,503 |
| 17. | 76.4% | Suffolk City Public Schools / 84,216 |
| 18. | 76.3% | King George County Public Schools / 22,782 |
| 19. | 76.2% | King William County Public Schools / 12,567 |
| 20. | 75.5% | Culpeper County Public Schools / 46,894 |
| 21. | 75.3% | Fauquier County Public Schools / 65,495 |
| 22. | 75.0% | Powhatan County Public Schools / 28,003 |
| 23. | 74.9% | New Kent County Public Schools / 18,460 |
| 24. | 74.8% | Portsmouth City Public Schools / 95,786 |
| 25. | 74.4% | Newport News City Public Schools / 180,831 |
| 26. | 74.4% | Hampton City Public Schools / 137,471 |
| 27. | 74.0% | Norfolk City Public Schools / 243,056 |
| 28. | 73.7% | Fredericksburg City Public Schools / 24,932 |
| 29. | 73.3% | Hanover County Public Schools / 99,964 |
| 30. | 73.3% | Frederick County Public Schools / 78,397 |
| 31. | 72.8% | Caroline County Public Schools / 28,510 |
| 32. | 72.7% | Warren County Public Schools / 37,567 |
| 33. | 72.3% | Fluvanna County Public Schools / 25,749 |
| 34. | 72.2% | Richmond City Public Schools / 205,348 |
| 35. | 71.8% | Greene County Public Schools / 18,453 |
| 36. | 71.8% | James City County Public Schools / 66,939 |
| 37. | 71.5% | Orange County Public Schools / 33,625 |
| 38. | 71.2% | Harrisonburg City Public Schools / 49,043 |
| 39. | 70.9% | Clarke County Public Schools / 14,143 |
| 40. | 70.7% | Gloucester County Public Schools / 36,821 |
| 41. | 70.2% | Isle of Wight County Public Schools / 35,240 |
| 42. | 69.9% | Goochland County Public Schools / 21,496 |
| 43. | 69.8% | Albemarle County Public Schools / 99,484 |
| 44. | 69.5% | West Point Town Public Schools / 3,294 |
| 45. | 69.1% | Colonial Beach Town Public Schools / 3,248 |
| 46. | 68.5% | Roanoke County Public Schools / 92,432 |
| 47. | 68.4% | Waynesboro City Public Schools / 21,030 |
| 48. | 68.4% | Radford City Public Schools / 16,511 |
| 49. | 68.0% | Roanoke City Public Schools / 96,742 |
| 50. | 67.5% | Amelia County Public Schools / 12,674 |
| 51. | 67.5% | Winchester City Public Schools / 26,330 |
| 52. | 67.4% | Poquoson City Public Schools / 12,110 |
| 53. | 66.6% | Louisa County Public Schools / 33,083 |
| 54. | 66.4% | Staunton City Public Schools / 23,906 |
| 55. | 66.3% | Franklin City Public Schools / 8,531 |
| 56. | 66.1% | Botetourt County Public Schools / 33,074 |
| 57. | 66.1% | Bedford City Public Schools / 6,103 |
| 58. | 66.0% | Lynchburg City Public Schools / 75,657 |
| 59. | 65.3% | Charlottesville City Public Schools / 43,223 |
| 60. | 64.7% | Bedford County Public Schools / 68,750 |
| 61. | 63.7% | King and Queen County Public Schools / 6,968 |
| 62. | 63.6% | Hopewell City Public Schools / 22,501 |
| 63. | 63.1% | Charles City County Public Schools / 7,226 |
| 64. | 62.9% | Shenandoah County Public Schools / 42,076 |
| 65. | 62.5% | Prince George County Public Schools / 36,013 |
| 66. | 62.5% | Montgomery County Public Schools / 94,179 |
| 67. | 62.1% | Southampton County Public Schools / 18,576 |
| 68. | 62.0% | Cumberland County Public Schools / 9,951 |
| 69. | 61.8% | Dinwiddie County Public Schools / 27,926 |
| 70. | 61.4% | Augusta County Public Schools / 73,662 |
| 71. | 60.7% | Quantico Marine Corps Center School District / 9,089 |
| 72. | 60.6% | Petersburg City Public Schools / 32,226 |
| 73. | 60.5% | Surry County Public Schools / 6,988 |
| 74. | 60.4% | Colonial Heights City Public Schools / 17,426 |
| 75. | 60.2% | Lexington City Public Schools / 6,990 |
| 75. | 60.2% | Name N/A / 6,990 |
| 77. | 60.0% | Appomattox County Public Schools / 14,952 |
| 78. | 59.9% | Rockingham County Public Schools / 76,353 |
| 79. | 59.7% | Campbell County Public Schools / 54,797 |
| 80. | 59.5% | Amherst County Public Schools / 32,301 |
| 81. | 59.3% | Salem City Public Schools / 24,792 |
| 82. | 57.6% | Martinsville City Public Schools / 13,854 |
| 83. | 57.3% | Williamsburg City Public Schools / 14,207 |
| 84. | 57.2% | Prince Edward County Public Schools / 23,017 |
| 85. | 57.1% | Rappahannock County Public Schools / 7,440 |
| 86. | 57.1% | Essex County Public Schools / 11,130 |
| 87. | 56.6% | Pittsylvania County Public Schools / 63,318 |
| 88. | 56.1% | Pulaski County Public Schools / 34,869 |
| 89. | 55.9% | Buena Vista City Public Schools / 6,679 |
| 90. | 55.8% | Alleghany County Public Schools / 16,297 |
| 91. | 55.6% | Franklin County Public Schools / 56,012 |
| 92. | 54.9% | Craig County Public Schools / 5,186 |
| 93. | 54.7% | Madison County Public Schools / 13,270 |
| 94. | 54.7% | Nelson County Public Schools / 15,000 |
| 95. | 54.6% | Page County Public Schools / 24,038 |
| 96. | 54.5% | Nottoway County Public Schools / 15,875 |
| 97. | 54.1% | Lancaster County Public Schools / 11,371 |
| 98. | 54.0% | Brunswick County Public Schools / 17,372 |
| 99. | 53.8% | Middlesex County Public Schools / 10,855 |
| 100. | 53.8% | Lunenburg County Public Schools / 12,838 |
| 101. | 53.7% | Emporia City Public Schools / 5,825 |
| 102. | 53.5% | Westmoreland County Public Schools / 14,220 |
| 103. | 52.8% | Danville City Public Schools / 43,185 |
| 104. | 52.7% | Washington County Public Schools / 54,691 |
| 105. | 52.5% | Rockbridge County Public Schools / 22,357 |
| 106. | 52.1% | Covington City Public Schools / 5,903 |
| 107. | 51.9% | Wythe County Public Schools / 29,203 |
| 108. | 51.6% | Bath County Public Schools / 4,713 |
| 109. | 51.6% | Giles County Public Schools / 17,149 |
| 110. | 51.5% | Henry County Public Schools / 53,971 |
| 111. | 51.1% | Buckingham County Public Schools / 17,071 |
| 112. | 50.9% | Mathews County Public Schools / 8,965 |
| 113. | 49.6% | Greensville County Public Schools / 12,127 |
| 114. | 49.6% | Bristol City Public Schools / 17,747 |
| 115. | 49.2% | Mecklenburg County Public Schools / 32,548 |
| 116. | 49.2% | Floyd County Public Schools / 15,268 |
| 117. | 48.5% | Northumberland County Public Schools / 12,389 |
| 118. | 48.4% | Halifax County Public Schools / 36,140 |
| 119. | 48.3% | Galax City Public Schools / 6,942 |
| 120. | 48.0% | Charlotte County Public Schools / 12,546 |
| 121. | 47.9% | Bland County Public Schools / 6,827 |
| 122. | 47.7% | Smyth County Public Schools / 32,103 |
| 123. | 47.1% | Richmond County Public Schools / 9,234 |
| 124. | 47.1% | Sussex County Public Schools / 12,095 |
| 125. | 46.3% | Wise County Public Schools / 41,361 |
| 126. | 44.7% | Northampton County Public Schools / 12,408 |
| 127. | 44.1% | Carroll County Public Schools / 29,989 |
| 128. | 43.6% | Patrick County Public Schools / 18,513 |
| 129. | 43.5% | Tazewell County Public Schools / 44,846 |
| 130. | 41.8% | Accomack County Public Schools / 33,454 |
| 131. | 41.3% | Grayson County Public Schools / 15,535 |
| 132. | 40.8% | Norton City Public Schools / 3,971 |
| 133. | 40.4% | Highland County Public Schools / 2,317 |
| 134. | 39.8% | Scott County Public Schools / 23,061 |
| 135. | 39.1% | Russell County Public Schools / 28,773 |
| 136. | 38.8% | Lee County Public Schools / 25,528 |
| 137. | 35.9% | Dickenson County Public Schools / 15,877 |
| 138. | 31.6% | Buchanan County Public Schools / 24,071 |
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.
