| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 10% or Less of Owner Income ▼ | School District / Population |
| 1. | 21.2% | Harlan Independent School District / 3,232 |
| 2. | 18.3% | Hazard Independent School District / 4,668 |
| 3. | 17.3% | Crittenden County School District / 9,108 |
| 4. | 17.1% | Fort Knox Dependent Schools / 12,017 |
| 5. | 16.1% | Leslie County School District / 11,674 |
| 6. | 16.1% | Elliott County School District / 8,291 |
| 7. | 15.8% | McLean County School District / 9,690 |
| 8. | 15.4% | Hickman County School District / 4,923 |
| 9. | 15.0% | Ballard County School District / 8,181 |
| 10. | 14.1% | Cumberland County School District / 6,832 |
| 11. | 14.0% | Perry County School District / 24,467 |
| 12. | 13.3% | Metcalfe County School District / 10,115 |
| 13. | 13.0% | Rowan County School District / 22,549 |
| 14. | 12.9% | Fulton County School District / 3,742 |
| 15. | 12.7% | Harlan County School District / 27,767 |
| 16. | 12.1% | Ashland Independent School District / 21,701 |
| 17. | 11.8% | Green County School District / 11,513 |
| 18. | 11.4% | Williamsburg Independent School District / 5,432 |
| 19. | 11.3% | Pike County School District / 59,320 |
| 19. | 11.3% | Todd County School District / 12,043 |
| 19. | 11.3% | Livingston County School District / 9,609 |
| 22. | 11.3% | Robertson County School District / 2,234 |
| 23. | 10.9% | Carter County School District / 27,160 |
| 24. | 10.8% | Pikeville Independent School District / 6,204 |
| 25. | 10.8% | Letcher County School District / 20,486 |
| 26. | 10.8% | Knott County School District / 17,197 |
| 27. | 10.7% | Carroll County School District / 10,536 |
| 28. | 10.6% | Russellville Independent School District / 6,399 |
| 29. | 10.3% | Floyd County School District / 41,965 |
| 30. | 10.3% | Paducah Independent School District / 21,627 |
| 31. | 10.1% | Boyd County School District / 23,476 |
| 32. | 10.1% | Wayne County School District / 16,786 |
| 33. | 10.1% | Eminence Independent School District / 3,262 |
| 34. | 10.0% | Jenkins Independent School District / 3,429 |
| 35. | 9.9% | Mayfield Independent School District / 9,622 |
| 36. | 9.8% | Bracken County School District / 7,024 |
| 37. | 9.7% | Barbourville Independent School District / 2,800 |
| 38. | 9.7% | Cloverport Independent School District / 1,415 |
| 39. | 9.5% | Morgan County School District / 14,204 |
| 40. | 9.5% | Hopkins County School District / 43,513 |
| 41. | 9.3% | McCracken County School District / 43,432 |
| 42. | 9.3% | Owen County School District / 11,295 |
| 43. | 9.3% | Monticello Independent School District / 3,789 |
| 44. | 9.2% | Webster County School District / 13,829 |
| 45. | 9.2% | Johnson County School District / 20,083 |
| 46. | 9.2% | Henderson County School District / 45,274 |
| 47. | 9.1% | Bell County School District / 16,806 |
| 48. | 8.9% | Fairview Independent School District / 3,492 |
| 49. | 8.5% | Knox County School District / 28,014 |
| 50. | 8.5% | Hancock County School District / 8,601 |
| 51. | 8.4% | Raceland-Worthington Independent School District / 4,623 |
| 52. | 8.4% | Caldwell County School District / 12,822 |
| 53. | 8.4% | Graves County School District / 27,894 |
| 54. | 8.4% | Clinton County School District / 9,443 |
| 55. | 8.3% | Fort Thomas Independent School District / 15,344 |
| 55. | 8.3% | Woodford County School District / 24,482 |
| 57. | 8.3% | Hart County School District / 15,475 |
| 58. | 8.3% | Barren County School District / 26,114 |
| 58. | 8.3% | Clark County School District / 35,481 |
| 60. | 8.2% | Greenup County School District / 20,196 |
| 60. | 8.2% | Science Hill Independent School District / 1,728 |
| 60. | 8.2% | Pulaski County School District for Science Hill ISD / 1,728 |
| 60. | 8.2% | Covington Independent School District / 34,798 |
| 64. | 8.1% | Trimble County School District / 8,930 |
| 65. | 8.0% | Breckinridge County School District / 17,642 |
| 66. | 7.8% | Dawson Springs Independent School District / 2,721 |
| 67. | 7.7% | Hardin County School District / 79,406 |
| 68. | 7.7% | Christian County School District / 65,585 |
| 69. | 7.6% | Campbellsville Independent School District / 8,633 |
| 70. | 7.6% | Ohio County School District / 23,498 |
| 71. | 7.6% | Martin County School District / 13,300 |
| 72. | 7.4% | Somerset Independent School District / 10,333 |
| 73. | 7.4% | Washington County School District / 11,365 |
| 74. | 7.4% | Shelby County School District / 40,322 |
| 75. | 7.3% | Augusta Independent School District / 1,594 |
| 76. | 7.3% | Trigg County School District / 13,231 |
| 77. | 7.2% | Estill County School District / 14,880 |
| 78. | 7.2% | Russell Independent School District / 12,698 |
| 79. | 7.2% | Burgin Independent School District / 2,584 |
| 80. | 7.1% | Anchorage Independent School District / 2,980 |
| 81. | 7.1% | Corbin Independent School District / 11,634 |
| 82. | 7.0% | Lee County School District / 7,427 |
| 83. | 7.0% | Name N/A / 3,742 |
| 84. | 7.0% | Butler County School District / 13,337 |
| 85. | 7.0% | Calloway County School District / 25,859 |
| 86. | 6.9% | Scott County School District / 42,874 |
| 87. | 6.9% | Mason County School District / 17,174 |
| 87. | 6.9% | Harrison County School District / 18,531 |
| 89. | 6.9% | Meade County School District / 23,198 |
| 90. | 6.9% | Bellevue Independent School District / 5,912 |
| 91. | 6.8% | Murray Independent School District / 10,177 |
| 92. | 6.8% | Campbell County School District / 39,942 |
| 92. | 6.8% | Daviess County School District / 66,305 |
| 94. | 6.7% | Oldham County School District / 56,194 |
| 95. | 6.7% | Middlesboro Independent School District / 9,899 |
| 96. | 6.6% | Danville Independent School District / 13,123 |
| 97. | 6.6% | Glasgow Independent School District / 12,140 |
| 98. | 6.6% | Caverna Independent School District / 5,512 |
| 99. | 6.5% | Breathitt County School District / 14,283 |
| 100. | 6.5% | Adair County School District / 17,872 |
| 101. | 6.5% | Whitley County School District / 22,703 |
| 102. | 6.4% | Muhlenberg County School District / 31,378 |
| 103. | 6.4% | Fayette County School District / 287,537 |
| 104. | 6.4% | Lawrence County School District / 16,338 |
| 105. | 6.4% | Newport Independent School District / 15,989 |
| 106. | 6.2% | Nelson County School District / 30,071 |
| 107. | 6.1% | Monroe County School District / 11,650 |
| 108. | 6.1% | Marshall County School District / 31,075 |
| 109. | 6.0% | Owsley County School District / 4,648 |
| 110. | 6.0% | Jefferson County School District / 708,337 |
| 111. | 6.0% | Edmonson County School District / 11,941 |
| 112. | 6.0% | Spencer County School District / 16,707 |
| 113. | 5.9% | Elizabethtown Independent School District / 9,784 |
| 114. | 5.9% | Lincoln County School District / 25,076 |
| 115. | 5.8% | Kenton County School District / 94,251 |
| 116. | 5.7% | Boyle County School District / 15,791 |
| 117. | 5.7% | West Point Independent School District / 938 |
| 117. | 5.7% | Elizabethtown Independent School District for West Point ISD / 938 |
| 119. | 5.7% | East Bernstadt Independent School District / 1,076 |
| 119. | 5.7% | Laurel County School District for East Bernstadt ISD / 1,076 |
| 121. | 5.7% | Bullitt County School District / 73,528 |
| 122. | 5.6% | Warren County School District / 79,493 |
| 123. | 5.6% | Union County School District / 15,158 |
| 124. | 5.5% | Ludlow Independent School District / 5,506 |
| 125. | 5.5% | Franklin County School District / 43,658 |
| 126. | 5.5% | Rockcastle County School District / 16,560 |
| 127. | 5.5% | Jackson County School District / 13,399 |
| 128. | 5.4% | Mercer County School District / 19,150 |
| 129. | 5.4% | Madison County School District / 74,750 |
| 130. | 5.4% | Grayson County School District / 25,320 |
| 131. | 5.4% | Carlisle County School District / 5,205 |
| 132. | 5.3% | Frankfort Independent School District / 5,008 |
| 133. | 5.3% | Laurel County School District / 55,947 |
| 134. | 5.3% | Pendleton County School District / 14,951 |
| 135. | 5.2% | Walton-Verona Independent School District / 5,981 |
| 136. | 5.2% | Pulaski County School District / 47,876 |
| 137. | 5.1% | Bourbon County School District / 14,390 |
| 138. | 5.0% | Marion County School District / 19,245 |
| 138. | 5.0% | Clay County School District / 23,792 |
| 140. | 5.0% | Nicholas County School District / 6,921 |
| 141. | 5.0% | Bath County School District / 11,597 |
| 142. | 4.9% | Beechwood Independent School District / 5,437 |
| 143. | 4.9% | Taylor County School District / 15,470 |
| 144. | 4.8% | Allen County School District / 18,799 |
| 145. | 4.7% | Lyon County School District / 8,325 |
| 146. | 4.7% | Anderson County School District / 21,122 |
| 146. | 4.7% | Jackson Independent School District / 1,358 |
| 148. | 4.6% | Larue County School District / 13,579 |
| 148. | 4.6% | Lewis County School District / 13,840 |
| 150. | 4.6% | Jessamine County School District / 45,551 |
| 151. | 4.6% | Montgomery County School District / 25,093 |
| 152. | 4.5% | Boone County School District / 106,533 |
| 153. | 4.5% | Berea Independent School District / 6,584 |
| 154. | 4.3% | Erlanger-Elsmere Independent School District / 16,407 |
| 154. | 4.3% | Russell County School District / 17,127 |
| 154. | 4.3% | Magoffin County School District / 13,132 |
| 157. | 4.1% | Paintsville Independent School District / 3,754 |
| 158. | 3.9% | Bardstown Independent School District / 12,271 |
| 159. | 3.8% | Logan County School District / 20,641 |
| 160. | 3.8% | Gallatin County School District / 8,090 |
| 161. | 3.7% | Paris Independent School District / 5,278 |
| 162. | 3.7% | Fleming County School District / 14,604 |
| 163. | 3.5% | Owensboro Independent School District / 27,670 |
| 164. | 3.3% | Powell County School District / 13,589 |
| 165. | 3.3% | Casey County School District / 16,306 |
| 166. | 2.9% | Southgate Independent School District / 3,301 |
| 167. | 2.8% | Garrard County School District / 16,829 |
| 168. | 2.6% | Bowling Green Independent School District / 25,001 |
| 169. | 2.3% | Menifee County School District / 6,687 |
| 170. | 2.2% | Henry County School District / 12,580 |
| 171. | 2.1% | Grant County School District / 22,058 |
| 172. | 2.0% | McCreary County School District / 18,199 |
| 173. | 1.1% | Dayton Independent School District / 5,490 |
| 174. | 1.0% | Wolfe County School District / 7,080 |
| 175. | 0.8% | Silver Grove Independent School District / 1,531 |
| 176. | 0.7% | Simpson County School District / 17,001 |
Please note that we only rank locations with 'Percentage of Houses with a Mortgage where Total Holding Costs 10% or Less 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 10% or Less of Owner Income' 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.
