| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 36.5% | Emporia City Public Schools / 5,682 |
| 2. | 33.3% | Quantico Marine Corps Center School District / 8,607 |
| 3. | 29.0% | Buena Vista City Public Schools / 6,683 |
| 4. | 28.3% | Charlotte County Public Schools / 12,399 |
| 5. | 27.1% | Norfolk City Public Schools / 244,745 |
| 6. | 26.7% | Rappahannock County Public Schools / 7,446 |
| 7. | 26.6% | Cumberland County Public Schools / 9,916 |
| 8. | 26.6% | Nottoway County Public Schools / 15,756 |
| 9. | 26.0% | Northampton County Public Schools / 12,254 |
| 10. | 25.8% | Franklin City Public Schools / 8,534 |
| 11. | 25.7% | Portsmouth City Public Schools / 96,007 |
| 12. | 25.6% | Williamsburg City Public Schools / 14,401 |
| 13. | 25.5% | Charles City County Public Schools / 7,154 |
| 14. | 25.2% | Middlesex County Public Schools / 10,817 |
| 15. | 25.0% | Martinsville City Public Schools / 13,745 |
| 16. | 24.9% | Colonial Beach Town Public Schools / 3,465 |
| 17. | 24.6% | Lancaster County Public Schools / 11,224 |
| 18. | 24.4% | Buchanan County Public Schools / 23,683 |
| 19. | 24.4% | Petersburg City Public Schools / 32,439 |
| 20. | 24.1% | Essex County Public Schools / 11,166 |
| 21. | 23.8% | Gloucester County Public Schools / 36,938 |
| 22. | 23.7% | Grayson County Public Schools / 15,255 |
| 23. | 23.6% | Carroll County Public Schools / 29,881 |
| 24. | 22.9% | Westmoreland County Public Schools / 14,053 |
| 25. | 22.9% | Madison County Public Schools / 13,208 |
| 26. | 22.6% | King and Queen County Public Schools / 7,073 |
| 27. | 22.5% | Brunswick County Public Schools / 16,961 |
| 27. | 22.5% | Richmond City Public Schools / 211,063 |
| 29. | 22.4% | Virginia Beach City Public Schools / 445,623 |
| 30. | 22.4% | Mecklenburg County Public Schools / 31,913 |
| 31. | 22.3% | Orange County Public Schools / 34,239 |
| 32. | 22.0% | Culpeper County Public Schools / 47,910 |
| 33. | 22.0% | Highland County Public Schools / 2,258 |
| 34. | 21.9% | Prince Edward County Public Schools / 23,140 |
| 35. | 21.9% | King William County Public Schools / 12,726 |
| 36. | 21.9% | Mathews County Public Schools / 8,923 |
| 37. | 21.8% | Name N/A / 7,114 |
| 37. | 21.8% | Lexington City Public Schools / 7,114 |
| 39. | 21.7% | Roanoke City Public Schools / 97,949 |
| 40. | 21.6% | Lee County Public Schools / 25,380 |
| 41. | 21.5% | Buckingham County Public Schools / 17,072 |
| 42. | 21.4% | Dickenson County Public Schools / 15,612 |
| 43. | 21.3% | Rockbridge County Public Schools / 22,367 |
| 44. | 21.3% | Caroline County Public Schools / 29,057 |
| 45. | 21.0% | Manassas Park City Public Schools / 14,992 |
| 46. | 20.9% | Hampton City Public Schools / 136,904 |
| 47. | 20.8% | Page County Public Schools / 23,905 |
| 48. | 20.7% | Lynchburg City Public Schools / 77,626 |
| 49. | 20.6% | Patrick County Public Schools / 18,365 |
| 50. | 20.6% | Suffolk City Public Schools / 85,477 |
| 51. | 20.4% | West Point Town Public Schools / 3,319 |
| 52. | 20.3% | Richmond County Public Schools / 9,072 |
| 53. | 20.2% | Chesapeake City Public Schools / 228,168 |
| 54. | 20.1% | Louisa County Public Schools / 33,743 |
| 55. | 20.0% | Clarke County Public Schools / 14,273 |
| 56. | 20.0% | Nelson County Public Schools / 14,892 |
| 57. | 19.9% | Franklin County Public Schools / 56,360 |
| 58. | 19.8% | Halifax County Public Schools / 35,704 |
| 59. | 19.8% | Lunenburg County Public Schools / 12,667 |
| 60. | 19.7% | Staunton City Public Schools / 24,132 |
| 61. | 19.7% | Accomack County Public Schools / 33,165 |
| 62. | 19.7% | Galax City Public Schools / 6,981 |
| 63. | 19.6% | Greensville County Public Schools / 11,911 |
| 64. | 19.5% | Goochland County Public Schools / 21,627 |
| 65. | 19.4% | Northumberland County Public Schools / 12,320 |
| 66. | 19.1% | Alleghany County Public Schools / 16,133 |
| 67. | 19.1% | Dinwiddie County Public Schools / 27,993 |
| 68. | 19.0% | New Kent County Public Schools / 19,187 |
| 69. | 18.8% | Southampton County Public Schools / 18,364 |
| 70. | 18.8% | Danville City Public Schools / 42,704 |
| 71. | 18.7% | Shenandoah County Public Schools / 42,545 |
| 72. | 18.7% | Isle of Wight County Public Schools / 35,518 |
| 73. | 18.7% | Newport News City Public Schools / 181,362 |
| 74. | 18.5% | Amherst County Public Schools / 32,237 |
| 75. | 18.5% | Fluvanna County Public Schools / 25,945 |
| 76. | 18.3% | Botetourt County Public Schools / 33,105 |
| 77. | 18.1% | Warren County Public Schools / 38,142 |
| 78. | 18.0% | Hopewell City Public Schools / 22,375 |
| 79. | 17.9% | Harrisonburg City Public Schools / 50,821 |
| 80. | 17.9% | Waynesboro City Public Schools / 21,177 |
| 81. | 17.8% | Appomattox County Public Schools / 15,137 |
| 82. | 17.3% | James City County Public Schools / 69,832 |
| 83. | 17.3% | Norton City Public Schools / 4,015 |
| 83. | 17.3% | Henry County Public Schools / 52,960 |
| 85. | 17.3% | Tazewell County Public Schools / 44,331 |
| 86. | 17.2% | Powhatan County Public Schools / 28,193 |
| 87. | 17.2% | Henrico County Public Schools / 314,878 |
| 88. | 17.1% | Salem City Public Schools / 25,120 |
| 89. | 17.0% | Wythe County Public Schools / 29,259 |
| 90. | 16.9% | Sussex County Public Schools / 11,923 |
| 91. | 16.9% | Scott County Public Schools / 22,781 |
| 92. | 16.7% | Pittsylvania County Public Schools / 62,955 |
| 93. | 16.5% | Bland County Public Schools / 6,727 |
| 94. | 16.5% | Campbell County Public Schools / 54,833 |
| 95. | 16.4% | Greene County Public Schools / 18,766 |
| 96. | 16.3% | Russell County Public Schools / 28,444 |
| 97. | 16.3% | Frederick County Public Schools / 80,377 |
| 98. | 16.2% | Fauquier County Public Schools / 66,726 |
| 99. | 16.2% | Spotsylvania County Public Schools / 126,200 |
| 100. | 16.1% | Rockingham County Public Schools / 77,345 |
| 101. | 15.9% | Roanoke County Public Schools / 93,194 |
| 102. | 15.8% | Prince William County Public Schools / 422,263 |
| 103. | 15.8% | Bristol City Public Schools / 17,595 |
| 104. | 15.7% | Chesterfield County Public Schools / 324,337 |
| 105. | 15.7% | Augusta County Public Schools / 73,707 |
| 106. | 15.6% | Smyth County Public Schools / 31,876 |
| 106. | 15.6% | Bedford County Public Schools / 75,607 |
| 108. | 15.4% | Albemarle County Public Schools / 101,883 |
| 109. | 15.2% | Fairfax County Public Schools / 1,117,072 |
| 110. | 15.2% | Bath County Public Schools / 4,644 |
| 111. | 15.2% | Craig County Public Schools / 5,206 |
| 111. | 15.2% | York County Public Schools / 65,808 |
| 113. | 15.1% | Colonial Heights City Public Schools / 17,542 |
| 114. | 15.0% | Hanover County Public Schools / 100,689 |
| 115. | 14.9% | Radford City Public Schools / 16,993 |
| 116. | 14.8% | Prince George County Public Schools / 36,792 |
| 117. | 14.8% | Pulaski County Public Schools / 34,630 |
| 118. | 14.7% | Washington County Public Schools / 54,833 |
| 119. | 14.5% | Manassas City Public Schools / 40,436 |
| 120. | 14.3% | Winchester City Public Schools / 27,031 |
| 121. | 14.3% | Fredericksburg City Public Schools / 26,632 |
| 122. | 14.2% | Floyd County Public Schools / 15,452 |
| 123. | 14.0% | Covington City Public Schools / 5,853 |
| 124. | 13.9% | Loudoun County Public Schools / 338,916 |
| 125. | 13.8% | Stafford County Public Schools / 132,574 |
| 126. | 13.1% | Poquoson City Public Schools / 12,103 |
| 127. | 13.0% | Wise County Public Schools / 40,872 |
| 128. | 12.8% | Arlington County Public Schools / 220,173 |
| 129. | 12.7% | King George County Public Schools / 23,903 |
| 130. | 12.6% | Charlottesville City Public Schools / 44,505 |
| 131. | 12.2% | Amelia County Public Schools / 12,764 |
| 132. | 12.2% | Fairfax City Public Schools / 23,507 |
| 133. | 12.0% | Montgomery County Public Schools / 95,808 |
| 134. | 11.6% | Alexandria City Public Schools / 146,422 |
| 135. | 10.7% | Surry County Public Schools / 6,885 |
| 136. | 10.4% | Giles County Public Schools / 17,025 |
| 137. | 8.9% | Falls Church City Public Schools / 13,074 |
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.
