| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 30-40% of Owner Income ▼ | School District / Population |
| 1. | 24.9% | Elliott County School District / 7,774 |
| 2. | 22.5% | West Point Independent School District / 971 |
| 2. | 22.5% | Elizabethtown Independent School District for West Point ISD / 971 |
| 4. | 21.6% | Marion County School District / 19,872 |
| 5. | 20.1% | Silver Grove Independent School District / 1,856 |
| 6. | 20.0% | Magoffin County School District / 13,229 |
| 7. | 19.5% | Dayton Independent School District / 5,485 |
| 8. | 19.1% | Trigg County School District / 14,282 |
| 9. | 18.8% | Williamstown Independent School District / 3,676 |
| 10. | 17.8% | Floyd County School District / 39,454 |
| 11. | 17.7% | Bardstown Independent School District / 12,891 |
| 12. | 17.7% | Southgate Independent School District / 3,660 |
| 13. | 17.6% | Russellville Independent School District / 5,915 |
| 14. | 17.6% | Bath County School District / 11,665 |
| 14. | 17.6% | Ludlow Independent School District / 4,851 |
| 16. | 17.3% | Bellevue Independent School District / 5,838 |
| 17. | 17.2% | Leslie County School District / 11,318 |
| 18. | 17.2% | Gallatin County School District / 8,513 |
| 19. | 17.1% | Robertson County School District / 2,251 |
| 20. | 17.0% | Bowling Green Independent School District / 26,705 |
| 21. | 16.8% | Todd County School District / 12,472 |
| 22. | 16.8% | Monroe County School District / 10,925 |
| 23. | 16.8% | McLean County School District / 9,554 |
| 24. | 16.8% | Covington Independent School District / 32,954 |
| 25. | 16.7% | Nelson County School District / 30,609 |
| 26. | 16.6% | Frankfort Independent School District / 4,317 |
| 27. | 16.6% | Corbin Independent School District / 10,070 |
| 28. | 16.2% | Owsley County School District / 4,764 |
| 29. | 16.1% | Eminence Independent School District / 2,767 |
| 30. | 16.0% | Lawrence County School District / 15,889 |
| 31. | 16.0% | Martin County School District / 12,934 |
| 32. | 15.7% | Washington County School District / 11,701 |
| 33. | 15.7% | Dawson Springs Independent School District / 2,523 |
| 34. | 15.5% | Newport Independent School District / 15,613 |
| 34. | 15.5% | Somerset Independent School District / 9,409 |
| 36. | 15.0% | Lincoln County School District / 24,671 |
| 37. | 15.0% | Rockcastle County School District / 17,090 |
| 38. | 14.9% | Fulton Independent School District / 2,854 |
| 39. | 14.9% | Shelby County School District / 42,286 |
| 40. | 14.7% | Fairview Independent School District / 3,661 |
| 41. | 14.6% | Jessamine County School District / 48,591 |
| 41. | 14.6% | Fleming County School District / 14,415 |
| 43. | 14.5% | Mayfield Independent School District / 9,738 |
| 44. | 14.4% | Boyle County School District / 14,715 |
| 45. | 14.4% | Anchorage Independent School District / 2,405 |
| 46. | 14.3% | Grant County School District / 21,007 |
| 47. | 14.3% | Breckinridge County School District / 18,558 |
| 48. | 14.2% | Logan County School District / 20,871 |
| 49. | 14.2% | Grayson County School District / 25,772 |
| 50. | 14.0% | Montgomery County School District / 26,517 |
| 50. | 14.0% | Bullitt County School District / 74,431 |
| 52. | 13.9% | Name N/A / 4,140 |
| 53. | 13.9% | Cumberland County School District / 6,857 |
| 54. | 13.9% | Pineville Independent School District / 2,355 |
| 55. | 13.5% | Allen County School District / 20,007 |
| 56. | 13.4% | Mercer County School District / 18,616 |
| 57. | 13.4% | Owensboro Independent School District / 28,941 |
| 58. | 13.3% | Pendleton County School District / 14,771 |
| 59. | 13.3% | Larue County School District / 14,175 |
| 60. | 13.2% | Lyon County School District / 8,336 |
| 60. | 13.2% | Owen County School District / 10,870 |
| 62. | 13.1% | Spencer County School District / 17,135 |
| 63. | 13.1% | Burgin Independent School District / 2,667 |
| 64. | 13.1% | Letcher County School District / 20,896 |
| 65. | 13.0% | Woodford County School District / 24,847 |
| 66. | 12.9% | Menifee County School District / 6,331 |
| 67. | 12.8% | Pulaski County School District / 51,752 |
| 68. | 12.7% | Garrard County School District / 16,892 |
| 69. | 12.7% | Henry County School District / 12,661 |
| 70. | 12.6% | Powell County School District / 12,638 |
| 71. | 12.6% | Henderson County School District / 46,254 |
| 72. | 12.5% | Paris Independent School District / 5,366 |
| 73. | 12.5% | Campbell County School District / 41,444 |
| 74. | 12.4% | Calloway County School District / 26,448 |
| 75. | 12.4% | Casey County School District / 15,984 |
| 76. | 12.4% | Harrison County School District / 18,781 |
| 77. | 12.3% | Barren County School District / 27,275 |
| 78. | 12.3% | Boone County School District / 113,039 |
| 79. | 12.3% | Clinton County School District / 10,244 |
| 80. | 12.3% | Monticello Independent School District / 3,873 |
| 81. | 12.2% | Oldham County School District / 60,357 |
| 81. | 12.2% | Jefferson County School District / 738,880 |
| 83. | 12.2% | Russell County School District / 17,562 |
| 84. | 12.1% | Anderson County School District / 21,442 |
| 85. | 12.0% | Fayette County School District / 296,766 |
| 86. | 12.0% | Kenton County School District / 98,785 |
| 86. | 12.0% | Hart County School District / 15,708 |
| 88. | 12.0% | Franklin County School District / 45,082 |
| 89. | 12.0% | Mason County School District / 17,495 |
| 90. | 11.9% | Hardin County School District / 84,690 |
| 91. | 11.9% | Warren County School District / 87,082 |
| 92. | 11.9% | Christian County School District / 59,889 |
| 93. | 11.8% | Science Hill Independent School District / 1,884 |
| 93. | 11.8% | Pulaski County School District for Science Hill ISD / 1,884 |
| 95. | 11.8% | McCreary County School District / 18,204 |
| 96. | 11.8% | Marshall County School District / 31,393 |
| 97. | 11.7% | Cloverport Independent School District / 1,510 |
| 98. | 11.6% | Daviess County School District / 67,770 |
| 99. | 11.6% | Carter County School District / 27,594 |
| 100. | 11.6% | Graves County School District / 27,462 |
| 101. | 11.6% | Jackson County School District / 13,475 |
| 102. | 11.5% | Hazard Independent School District / 4,805 |
| 103. | 11.4% | Wayne County School District / 16,946 |
| 104. | 11.4% | Erlanger-Elsmere Independent School District / 17,045 |
| 105. | 11.4% | Madison County School District / 76,112 |
| 106. | 11.2% | Laurel County School District for East Bernstadt ISD / 1,285 |
| 106. | 11.2% | East Bernstadt Independent School District / 1,285 |
| 108. | 11.2% | Knox County School District / 28,285 |
| 109. | 11.1% | Simpson County School District / 17,323 |
| 110. | 11.0% | Livingston County School District / 9,479 |
| 111. | 11.0% | Adair County School District / 18,651 |
| 111. | 11.0% | Perry County School District / 23,812 |
| 113. | 10.9% | Johnson County School District / 19,884 |
| 114. | 10.8% | Meade County School District / 24,753 |
| 115. | 10.7% | Bell County School District / 15,904 |
| 116. | 10.6% | Clark County School District / 35,555 |
| 117. | 10.5% | Beechwood Independent School District / 6,291 |
| 118. | 10.5% | Caldwell County School District / 12,977 |
| 119. | 10.4% | Lewis County School District / 13,889 |
| 120. | 10.3% | Metcalfe County School District / 10,074 |
| 121. | 10.2% | Muhlenberg County School District / 31,399 |
| 122. | 10.2% | Laurel County School District / 57,606 |
| 123. | 10.2% | Campbellsville Independent School District / 8,017 |
| 124. | 10.2% | Harlan Independent School District / 3,318 |
| 125. | 10.1% | Morgan County School District / 13,898 |
| 126. | 10.0% | Boyd County School District / 24,118 |
| 127. | 10.0% | Caverna Independent School District / 5,301 |
| 128. | 10.0% | Bourbon County School District / 14,638 |
| 129. | 10.0% | Scott County School District / 47,211 |
| 130. | 10.0% | Carlisle County School District / 5,081 |
| 130. | 10.0% | Edmonson County School District / 12,141 |
| 132. | 9.9% | Fort Thomas Independent School District / 16,223 |
| 133. | 9.9% | Augusta Independent School District / 1,534 |
| 134. | 9.9% | Harlan County School District / 25,892 |
| 135. | 9.8% | Walton-Verona Independent School District / 6,367 |
| 136. | 9.8% | Elizabethtown Independent School District / 10,874 |
| 137. | 9.8% | Pike County School District / 58,328 |
| 138. | 9.7% | Carroll County School District / 10,851 |
| 139. | 9.7% | Crittenden County School District / 9,321 |
| 140. | 9.5% | Taylor County School District / 16,497 |
| 141. | 9.5% | Ashland Independent School District / 21,579 |
| 142. | 9.5% | Greenup County School District / 19,274 |
| 143. | 9.5% | Whitley County School District / 21,042 |
| 144. | 9.3% | Union County School District / 14,992 |
| 145. | 9.2% | Wolfe County School District / 7,298 |
| 146. | 9.1% | Fort Knox Dependent Schools / 12,204 |
| 147. | 9.1% | Breathitt County School District / 12,662 |
| 148. | 9.1% | Estill County School District / 14,647 |
| 149. | 9.0% | Glasgow Independent School District / 12,223 |
| 150. | 8.9% | Williamsburg Independent School District / 5,561 |
| 151. | 8.9% | Danville Independent School District / 13,730 |
| 152. | 8.8% | Green County School District / 11,309 |
| 153. | 8.8% | Middlesboro Independent School District / 10,354 |
| 154. | 8.7% | Hopkins County School District / 44,368 |
| 155. | 8.7% | Russell Independent School District / 12,679 |
| 156. | 8.7% | Bracken County School District / 6,954 |
| 157. | 8.6% | Raceland-Worthington Independent School District / 4,969 |
| 158. | 8.6% | Butler County School District / 12,748 |
| 159. | 8.4% | Knott County School District / 16,368 |
| 160. | 8.2% | McCracken County School District / 45,401 |
| 161. | 8.1% | Paducah Independent School District / 20,157 |
| 162. | 8.1% | Hickman County School District / 4,869 |
| 163. | 8.0% | Rowan County School District / 23,351 |
| 164. | 7.8% | Ohio County School District / 23,975 |
| 165. | 7.7% | Clay County School District / 21,833 |
| 166. | 7.5% | Ballard County School District / 8,268 |
| 167. | 7.2% | Paintsville Independent School District / 3,455 |
| 168. | 6.7% | Nicholas County School District / 7,092 |
| 169. | 6.5% | Lee County School District / 7,831 |
| 170. | 6.2% | Fulton County School District / 3,904 |
| 171. | 6.1% | Webster County School District / 13,618 |
| 172. | 6.0% | Trimble County School District / 8,829 |
| 173. | 5.8% | Hancock County School District / 8,588 |
| 174. | 5.7% | Berea Independent School District / 7,062 |
| 175. | 5.5% | Jackson Independent School District / 1,260 |
| 176. | 4.4% | Jenkins Independent School District / 3,440 |
| 177. | 3.8% | Pikeville Independent School District / 6,559 |
| 178. | 3.1% | Murray Independent School District / 10,750 |
Please note that we only rank locations with 'Percentage of Houses with a Mortgage where Total Holding Costs 30-40% 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 30-40% 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.
