| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 20-30% of Owner Income ▼ | School District / Population |
| 1. | 18.2% | Emporia City Public Schools / 5,682 |
| 2. | 18.2% | Poquoson City Public Schools / 12,103 |
| 3. | 17.3% | Cumberland County Public Schools / 9,916 |
| 4. | 16.8% | Lexington City Public Schools / 7,114 |
| 4. | 16.8% | Name N/A / 7,114 |
| 6. | 16.6% | Franklin City Public Schools / 8,534 |
| 7. | 16.5% | Colonial Beach Town Public Schools / 3,465 |
| 8. | 16.3% | Portsmouth City Public Schools / 96,007 |
| 9. | 16.3% | Petersburg City Public Schools / 32,439 |
| 10. | 16.0% | Radford City Public Schools / 16,993 |
| 11. | 15.6% | Buena Vista City Public Schools / 6,683 |
| 12. | 15.4% | Essex County Public Schools / 11,166 |
| 13. | 14.9% | Winchester City Public Schools / 27,031 |
| 14. | 14.8% | Charlotte County Public Schools / 12,399 |
| 15. | 14.8% | Galax City Public Schools / 6,981 |
| 16. | 14.7% | Richmond City Public Schools / 211,063 |
| 17. | 14.7% | Highland County Public Schools / 2,258 |
| 17. | 14.7% | Brunswick County Public Schools / 16,961 |
| 19. | 14.6% | Mecklenburg County Public Schools / 31,913 |
| 20. | 14.5% | Norfolk City Public Schools / 244,745 |
| 21. | 14.2% | New Kent County Public Schools / 19,187 |
| 22. | 14.1% | Russell County Public Schools / 28,444 |
| 23. | 14.1% | Accomack County Public Schools / 33,165 |
| 24. | 14.0% | Bristol City Public Schools / 17,595 |
| 25. | 13.9% | Fairfax City Public Schools / 23,507 |
| 26. | 13.9% | Prince Edward County Public Schools / 23,140 |
| 27. | 13.7% | Patrick County Public Schools / 18,365 |
| 28. | 13.6% | Nelson County Public Schools / 14,892 |
| 29. | 13.5% | Halifax County Public Schools / 35,704 |
| 30. | 13.4% | Smyth County Public Schools / 31,876 |
| 31. | 13.3% | Fluvanna County Public Schools / 25,945 |
| 32. | 13.2% | Danville City Public Schools / 42,704 |
| 33. | 13.1% | Salem City Public Schools / 25,120 |
| 34. | 13.0% | Pittsylvania County Public Schools / 62,955 |
| 35. | 12.9% | Harrisonburg City Public Schools / 50,821 |
| 36. | 12.8% | Caroline County Public Schools / 29,057 |
| 36. | 12.8% | Grayson County Public Schools / 15,255 |
| 38. | 12.8% | Roanoke City Public Schools / 97,949 |
| 39. | 12.6% | Washington County Public Schools / 54,833 |
| 40. | 12.5% | Charlottesville City Public Schools / 44,505 |
| 40. | 12.5% | Sussex County Public Schools / 11,923 |
| 42. | 12.5% | Buchanan County Public Schools / 23,683 |
| 43. | 12.4% | Buckingham County Public Schools / 17,072 |
| 44. | 12.4% | Virginia Beach City Public Schools / 445,623 |
| 45. | 12.4% | Chesapeake City Public Schools / 228,168 |
| 45. | 12.4% | Hampton City Public Schools / 136,904 |
| 47. | 12.4% | Tazewell County Public Schools / 44,331 |
| 48. | 12.3% | Newport News City Public Schools / 181,362 |
| 48. | 12.3% | Lancaster County Public Schools / 11,224 |
| 50. | 12.1% | Martinsville City Public Schools / 13,745 |
| 51. | 12.0% | West Point Town Public Schools / 3,319 |
| 52. | 11.8% | Henry County Public Schools / 52,960 |
| 53. | 11.8% | Alexandria City Public Schools / 146,422 |
| 54. | 11.8% | Lynchburg City Public Schools / 77,626 |
| 55. | 11.7% | Henrico County Public Schools / 314,878 |
| 56. | 11.7% | Goochland County Public Schools / 21,627 |
| 56. | 11.7% | Page County Public Schools / 23,905 |
| 58. | 11.6% | Bland County Public Schools / 6,727 |
| 59. | 11.6% | Staunton City Public Schools / 24,132 |
| 60. | 11.5% | Richmond County Public Schools / 9,072 |
| 61. | 11.4% | Roanoke County Public Schools / 93,194 |
| 62. | 11.1% | Floyd County Public Schools / 15,452 |
| 63. | 11.1% | Alleghany County Public Schools / 16,133 |
| 64. | 10.8% | Northumberland County Public Schools / 12,320 |
| 65. | 10.7% | Scott County Public Schools / 22,781 |
| 66. | 10.7% | Lee County Public Schools / 25,380 |
| 67. | 10.7% | Augusta County Public Schools / 73,707 |
| 68. | 10.7% | Shenandoah County Public Schools / 42,545 |
| 68. | 10.7% | Rockingham County Public Schools / 77,345 |
| 70. | 10.3% | Manassas Park City Public Schools / 14,992 |
| 70. | 10.3% | Louisa County Public Schools / 33,743 |
| 72. | 10.2% | Montgomery County Public Schools / 95,808 |
| 72. | 10.2% | Nottoway County Public Schools / 15,756 |
| 74. | 10.2% | Lunenburg County Public Schools / 12,667 |
| 74. | 10.2% | Bath County Public Schools / 4,644 |
| 76. | 10.2% | Franklin County Public Schools / 56,360 |
| 77. | 10.1% | Carroll County Public Schools / 29,881 |
| 78. | 9.9% | Manassas City Public Schools / 40,436 |
| 79. | 9.9% | Westmoreland County Public Schools / 14,053 |
| 79. | 9.9% | Mathews County Public Schools / 8,923 |
| 81. | 9.9% | Middlesex County Public Schools / 10,817 |
| 82. | 9.8% | Suffolk City Public Schools / 85,477 |
| 83. | 9.8% | Wise County Public Schools / 40,872 |
| 84. | 9.8% | Rappahannock County Public Schools / 7,446 |
| 85. | 9.7% | Hanover County Public Schools / 100,689 |
| 86. | 9.7% | Appomattox County Public Schools / 15,137 |
| 86. | 9.7% | Warren County Public Schools / 38,142 |
| 88. | 9.6% | Charles City County Public Schools / 7,154 |
| 88. | 9.6% | York County Public Schools / 65,808 |
| 90. | 9.4% | Orange County Public Schools / 34,239 |
| 91. | 9.2% | Norton City Public Schools / 4,015 |
| 92. | 9.1% | Frederick County Public Schools / 80,377 |
| 93. | 9.1% | Isle of Wight County Public Schools / 35,518 |
| 94. | 9.1% | Campbell County Public Schools / 54,833 |
| 95. | 9.0% | Hopewell City Public Schools / 22,375 |
| 96. | 8.8% | Albemarle County Public Schools / 101,883 |
| 97. | 8.8% | Prince George County Public Schools / 36,792 |
| 98. | 8.7% | Chesterfield County Public Schools / 324,337 |
| 99. | 8.5% | Amherst County Public Schools / 32,237 |
| 100. | 8.5% | Botetourt County Public Schools / 33,105 |
| 101. | 8.3% | Greensville County Public Schools / 11,911 |
| 102. | 8.3% | Dickenson County Public Schools / 15,612 |
| 103. | 8.3% | Spotsylvania County Public Schools / 126,200 |
| 104. | 8.3% | Arlington County Public Schools / 220,173 |
| 105. | 8.2% | James City County Public Schools / 69,832 |
| 105. | 8.2% | Giles County Public Schools / 17,025 |
| 107. | 8.2% | Gloucester County Public Schools / 36,938 |
| 108. | 8.1% | Bedford County Public Schools / 75,607 |
| 109. | 8.1% | Southampton County Public Schools / 18,364 |
| 110. | 8.1% | Prince William County Public Schools / 422,263 |
| 111. | 8.0% | Fauquier County Public Schools / 66,726 |
| 112. | 7.9% | Waynesboro City Public Schools / 21,177 |
| 113. | 7.8% | Fredericksburg City Public Schools / 26,632 |
| 114. | 7.7% | Covington City Public Schools / 5,853 |
| 115. | 7.7% | Fairfax County Public Schools / 1,117,072 |
| 116. | 7.7% | Northampton County Public Schools / 12,254 |
| 117. | 7.6% | Surry County Public Schools / 6,885 |
| 118. | 7.3% | Dinwiddie County Public Schools / 27,993 |
| 119. | 7.2% | Powhatan County Public Schools / 28,193 |
| 120. | 7.1% | Loudoun County Public Schools / 338,916 |
| 121. | 7.1% | Pulaski County Public Schools / 34,630 |
| 122. | 6.9% | Wythe County Public Schools / 29,259 |
| 123. | 6.9% | Amelia County Public Schools / 12,764 |
| 124. | 6.8% | Stafford County Public Schools / 132,574 |
| 125. | 6.8% | Culpeper County Public Schools / 47,910 |
| 126. | 6.7% | Greene County Public Schools / 18,766 |
| 127. | 6.7% | Colonial Heights City Public Schools / 17,542 |
| 128. | 6.4% | Rockbridge County Public Schools / 22,367 |
| 129. | 6.1% | Clarke County Public Schools / 14,273 |
| 130. | 5.5% | King George County Public Schools / 23,903 |
| 131. | 5.3% | Madison County Public Schools / 13,208 |
| 132. | 5.3% | King William County Public Schools / 12,726 |
| 133. | 3.8% | Williamsburg City Public Schools / 14,401 |
| 134. | 2.3% | Craig County Public Schools / 5,206 |
| 135. | 2.2% | Falls Church City Public Schools / 13,074 |
| 136. | 1.7% | King and Queen County Public Schools / 7,073 |
Please note that we only rank locations with 'Percentage of Houses without a Mortgage where Total Holding Costs 20-30% of Owner Income' data. The rank above might not be a complete list. Locations without 'Percentage of Houses without a Mortgage where Total Holding Costs 20-30% of Owner Income' data are not listed.
