| Rank | Percentage of Houses with a Mortgage where Total Holding Costs 40% or More of Owner Income ▼ | School District / Population |
| 1. | 53.9% | Gosnold School District / 156 |
| 2. | 50.3% | Lawrence School District / 70,273 |
| 3. | 47.0% | Tisbury School District / 3,884 |
| 4. | 45.3% | Oak Bluffs School District / 3,835 |
| 5. | 43.3% | Everett School District / 37,525 |
| 6. | 41.6% | Provincetown School District / 3,407 |
| 7. | 39.9% | Martha's Vineyard School District / 15,519 |
| 8. | 39.8% | Nantucket School District / 11,013 |
| 9. | 38.4% | Chelsea School District / 36,166 |
| 10. | 38.0% | Revere School District / 50,555 |
| 11. | 36.3% | Edgartown School District / 4,003 |
| 12. | 35.5% | Malden School District / 55,521 |
| 13. | 34.7% | Swampscott School District in Nahant (7-12) / 3,602 |
| 13. | 34.7% | Nahant School District / 3,602 |
| 15. | 34.5% | Brockton School District / 93,217 |
| 16. | 34.4% | Savoy School District / 763 |
| 16. | 34.4% | Adams-Cheshire School District in Savoy (7-12) / 763 |
| 18. | 33.5% | Lynn School District / 87,196 |
| 19. | 33.1% | Harwich School District / 12,316 |
| 20. | 33.0% | Berkshire Hills School District / 10,385 |
| 21. | 32.8% | New Bedford School District / 91,339 |
| 22. | 32.4% | Plympton School District / 2,754 |
| 23. | 32.3% | Wales School District / 2,143 |
| 24. | 32.3% | Weston School District / 11,686 |
| 25. | 31.9% | Barnstable School District / 46,781 |
| 26. | 31.5% | Wellfleet School District / 3,041 |
| 27. | 31.5% | Rockport School District / 7,631 |
| 28. | 31.5% | Nauset/Provincetown School Districts in Turo (7-12) / 1,938 |
| 28. | 31.5% | Truro School District / 1,938 |
| 30. | 31.1% | Brewster School District / 10,059 |
| 31. | 31.0% | Halifax School District / 7,735 |
| 32. | 30.8% | Somerville School District / 75,880 |
| 33. | 30.7% | Chatham School District / 6,761 |
| 34. | 30.7% | Falmouth School District / 33,071 |
| 35. | 30.5% | Hatfield School District / 3,237 |
| 36. | 30.4% | Up-Island Regional School District / 3,797 |
| 36. | 30.4% | Methuen School District / 43,889 |
| 38. | 29.9% | Watertown School District / 32,767 |
| 39. | 29.5% | Dover School District / 5,663 |
| 40. | 29.5% | Bourne School District / 19,395 |
| 41. | 29.3% | Nauset School District / 24,870 |
| 42. | 29.3% | Holbrook School District / 10,685 |
| 43. | 29.1% | Orleans School District / 6,282 |
| 44. | 29.0% | Fall River School District / 90,853 |
| 45. | 29.0% | Boston School District / 625,304 |
| 46. | 28.9% | Leverett School District / 1,914 |
| 47. | 28.9% | Southbridge School District / 17,516 |
| 48. | 28.6% | North Adams School District in Monroe (9-12) / 144 |
| 49. | 28.4% | Dennis-Yarmouth School District / 39,675 |
| 50. | 28.3% | Gloucester School District / 30,264 |
| 51. | 28.3% | Erving School District / 1,863 |
| 51. | 28.3% | Gill-Montague School District in Erving (7-12) / 1,863 |
| 53. | 28.1% | Waltham School District / 60,547 |
| 54. | 28.0% | Silver Lake School District / 22,849 |
| 55. | 28.0% | Sandwich School District / 20,150 |
| 56. | 28.0% | Rockland School District / 17,845 |
| 57. | 27.9% | Southern Berkshire School District / 7,538 |
| 58. | 27.6% | Medford School District / 55,796 |
| 58. | 27.6% | Petersham School District / 1,246 |
| 60. | 27.5% | Mashpee School District / 14,265 |
| 61. | 27.5% | Millis School District / 7,964 |
| 62. | 27.4% | Springfield School District / 153,170 |
| 63. | 27.3% | Middleton School District / 8,958 |
| 64. | 27.3% | Somerset School District in Berkley (9-12) / 6,409 |
| 64. | 27.3% | Berkley School District / 6,409 |
| 66. | 27.3% | Cohasset School District / 7,323 |
| 67. | 27.2% | Winthrop School District / 18,605 |
| 68. | 27.1% | Fitchburg School District / 41,007 |
| 69. | 27.0% | Carver School District / 11,806 |
| 70. | 27.0% | Plymouth School District / 56,124 |
| 71. | 26.9% | Swampscott School District / 13,997 |
| 72. | 26.9% | Scituate School District / 18,192 |
| 73. | 26.9% | Quincy School District / 90,120 |
| 74. | 26.8% | Lynnfield School District / 11,492 |
| 75. | 26.8% | Webster School District / 16,914 |
| 76. | 26.7% | Berlin School District / 2,795 |
| 76. | 26.7% | Worcester School District / 178,397 |
| 78. | 26.5% | Sunderland School District / 3,779 |
| 79. | 26.2% | Wareham School District / 21,150 |
| 80. | 26.1% | Hudson School District / 19,551 |
| 81. | 25.7% | Salem School District / 41,547 |
| 82. | 25.6% | Woburn School District / 38,404 |
| 83. | 25.5% | Ralph C. Mahar School District / 10,743 |
| 83. | 25.5% | Ayer School District / 7,601 |
| 85. | 25.5% | Hull School District / 11,090 |
| 86. | 25.3% | Dover-Sherborn School District / 9,893 |
| 87. | 25.3% | Orange School District / 7,689 |
| 87. | 25.3% | Lowell School District / 103,077 |
| 89. | 25.3% | Eastham School District / 5,488 |
| 90. | 25.2% | New Salem-Wendell School District / 1,808 |
| 91. | 25.2% | Pentucket School District / 17,795 |
| 92. | 25.2% | Swansea School District / 16,084 |
| 93. | 25.1% | Kingston School District / 12,360 |
| 94. | 24.9% | Rochester School District / 5,223 |
| 95. | 24.9% | Cambridge School District / 106,255 |
| 96. | 24.6% | Duxbury School District / 14,225 |
| 97. | 24.6% | Marblehead School District / 19,870 |
| 98. | 24.5% | Dedham School District / 24,308 |
| 99. | 24.4% | Ashburnham-Westminster School District / 13,472 |
| 100. | 24.3% | Avon School District / 4,349 |
| 101. | 24.2% | North Brookfield School District / 5,048 |
| 102. | 24.1% | Randolph School District / 30,391 |
| 103. | 24.1% | Saugus School District / 27,089 |
| 104. | 24.1% | Danvers School District / 26,775 |
| 105. | 24.1% | Triton School District / 20,954 |
| 105. | 24.1% | Canton School District / 21,865 |
| 107. | 24.0% | Ayer/Lunenberg School Districts in Shirley (9-12) / 7,848 |
| 107. | 24.0% | Shirley School District / 7,848 |
| 109. | 24.0% | Stoughton School District / 26,910 |
| 110. | 24.0% | Athol-Royalston School District / 13,181 |
| 111. | 24.0% | Framingham School District / 66,411 |
| 112. | 23.8% | Ipswich School District / 13,302 |
| 113. | 23.8% | Palmer School District / 13,153 |
| 114. | 23.7% | Wayland School District / 13,219 |
| 115. | 23.7% | Fairhaven/New Bedford School Districts in Acushnet (9-12) / 10,372 |
| 115. | 23.7% | Acushnet School District / 10,372 |
| 117. | 23.6% | North Reading School District / 13,286 |
| 118. | 23.6% | Abington School District / 16,399 |
| 119. | 23.5% | Attleboro School District / 43,297 |
| 120. | 23.5% | Pelham School District / 1,343 |
| 121. | 23.4% | Lincoln School District / 8,297 |
| 122. | 23.4% | Stoneham School District / 21,362 |
| 123. | 23.4% | Leominster School District / 42,085 |
| 124. | 23.4% | West Bridgewater School District / 6,667 |
| 125. | 23.3% | Beverly School District / 39,597 |
| 126. | 23.3% | Concord School District / 17,566 |
| 127. | 23.1% | Walpole School District / 23,167 |
| 128. | 23.1% | Norwell School District / 10,271 |
| 129. | 22.9% | Southborough School District / 9,681 |
| 130. | 22.9% | Whitman-Hanson School District / 24,073 |
| 131. | 22.8% | Burlington School District / 24,983 |
| 131. | 22.8% | Easton School District / 22,913 |
| 133. | 22.8% | Hingham School District / 22,158 |
| 134. | 22.7% | Pembroke School District / 18,476 |
| 135. | 22.6% | Greenfield School District / 17,862 |
| 136. | 22.5% | Belmont School District / 23,394 |
| 137. | 22.4% | Weymouth School District / 53,602 |
| 138. | 22.2% | Berlin-Boylston School District / 7,160 |
| 139. | 22.1% | Marlborough School District / 37,963 |
| 140. | 22.0% | Hamilton-Wenham School District / 12,841 |
| 141. | 21.9% | Taunton School District / 55,718 |
| 141. | 21.9% | Pittsfield School District / 42,943 |
| 143. | 21.8% | Maynard School District / 10,385 |
| 144. | 21.8% | Westport School District / 15,286 |
| 145. | 21.8% | Winchendon School District / 10,293 |
| 146. | 21.7% | Freetown School District / 9,013 |
| 147. | 21.6% | Lanesborough School District / 3,130 |
| 148. | 21.5% | Marshfield School District / 24,619 |
| 149. | 21.5% | Name N/A / 418,381 |
| 150. | 21.4% | Newton School District / 83,504 |
| 151. | 21.3% | East Bridgewater School District / 13,886 |
| 152. | 21.3% | Winchester School District / 21,229 |
| 153. | 21.3% | Granby School District / 6,255 |
| 154. | 21.2% | Amesbury School District / 16,503 |
| 155. | 21.2% | North Andover School District / 27,433 |
| 156. | 21.1% | Concord-Carlisle School District / 22,383 |
| 157. | 21.1% | Wellesley School District / 27,091 |
| 158. | 21.1% | Norwood School District / 28,346 |
| 159. | 21.1% | Lenox School District / 5,096 |
| 160. | 20.8% | Westwood School District / 14,040 |
| 161. | 20.8% | Haverhill School District / 60,681 |
| 162. | 20.8% | Bellingham School District / 15,752 |
| 163. | 20.8% | Dracut School District / 28,930 |
| 164. | 20.8% | Medway School District / 12,813 |
| 165. | 20.7% | Chicopee School District / 55,875 |
| 166. | 20.7% | Braintree School District / 34,466 |
| 167. | 20.6% | Longmeadow School District / 15,706 |
| 168. | 20.6% | Mohawk Trail School District / 8,829 |
| 169. | 20.6% | Wrentham School District / 11,106 |
| 170. | 20.5% | Billerica School District / 39,225 |
| 171. | 20.5% | Oxford School District / 13,813 |
| 172. | 20.5% | Hanover School District / 13,961 |
| 173. | 20.4% | Manchester Essex Regional School District / 8,463 |
| 174. | 20.3% | Milford School District / 27,636 |
| 174. | 20.3% | Holyoke School District / 40,530 |
| 176. | 20.3% | North Attleborough School District / 27,807 |
| 177. | 20.2% | Whately School District / 1,588 |
| 178. | 20.2% | Medfield School District / 12,175 |
| 179. | 20.2% | Frontier School District / 12,005 |
| 180. | 20.1% | Boxborough School District / 5,101 |
| 181. | 20.1% | Dartmouth School District / 34,002 |
| 182. | 20.0% | Middleborough School District / 21,051 |
| 182. | 20.0% | Reading School District / 23,257 |
| 184. | 20.0% | Deerfield School District / 4,724 |
| 185. | 20.0% | Holliston School District / 13,963 |
| 186. | 19.9% | Lee School District / 6,196 |
| 187. | 19.9% | Central Berkshire School District / 14,215 |
| 188. | 19.9% | Needham School District / 28,679 |
| 189. | 19.9% | Northampton School District / 28,548 |
| 190. | 19.8% | Foxborough School District / 16,445 |
| 191. | 19.8% | Pioneer Valley School District / 6,737 |
| 192. | 19.7% | Agawam School District / 28,599 |
| 193. | 19.7% | Tewksbury School District / 29,030 |
| 194. | 19.7% | Adams-Cheshire School District / 11,674 |
| 194. | 19.7% | Fairhaven School District / 16,111 |
| 194. | 19.7% | Hadley School District / 4,740 |
| 197. | 19.7% | Norton School District / 19,103 |
| 198. | 19.5% | Sherborn School District / 4,230 |
| 199. | 19.5% | Milton School District / 26,333 |
| 200. | 19.5% | Old Rochester School District / 16,846 |
| 201. | 19.5% | Bedford School District / 13,125 |
| 202. | 19.5% | Peabody School District / 51,186 |
| 203. | 19.4% | Gardner School District / 21,018 |
| 203. | 19.4% | Freetown-Lakeville School District / 19,473 |
| 205. | 19.3% | Gateway School District / 8,449 |
| 206. | 19.3% | Wakefield School District / 24,715 |
| 207. | 19.2% | Acton-Boxborough School District / 25,878 |
| 208. | 19.2% | Dighton-Rehoboth School District / 18,006 |
| 208. | 19.2% | Lincoln-Sudbury School District / 25,541 |
| 210. | 19.2% | Hawlemont School District / 1,518 |
| 210. | 19.2% | Mohawk Trail Regional School District in Hawley and Charlemont towns / 1,518 |
| 212. | 19.1% | Natick School District / 31,921 |
| 212. | 19.1% | Masconomet School District / 23,229 |
| 214. | 19.1% | Farmington River Regional School District / 2,044 |
| 215. | 19.1% | Wilmington School District / 21,972 |
| 216. | 19.1% | Boylston School District / 4,365 |
| 217. | 19.0% | Douglas School District / 8,020 |
| 218. | 19.0% | Millbury School District / 13,628 |
| 219. | 19.0% | Florida School District / 966 |
| 220. | 19.0% | Acton School District / 20,777 |
| 221. | 19.0% | Gill-Montague School District / 9,750 |
| 221. | 19.0% | Nashoba School District / 17,919 |
| 223. | 19.0% | Arlington School District / 41,244 |
| 223. | 19.0% | Ludlow School District / 22,217 |
| 225. | 19.0% | Seekonk School District / 13,573 |
| 226. | 18.5% | Northborough-Southborough School District / 24,413 |
| 227. | 18.5% | Williamsburg School District / 2,477 |
| 228. | 18.5% | Wachusett School District / 41,452 |
| 228. | 18.5% | Lunenburg School District / 10,133 |
| 230. | 18.5% | Ware School District / 9,843 |
| 231. | 18.5% | Westborough School District / 18,427 |
| 232. | 18.4% | Sharon School District / 17,365 |
| 233. | 18.4% | Lexington School District / 30,445 |
| 234. | 18.4% | Melrose School District / 26,672 |
| 235. | 18.3% | Pittsfield School District in Richmond (9-12) / 1,838 |
| 235. | 18.3% | Richmond School District / 1,838 |
| 237. | 18.3% | Westhampton School District / 1,824 |
| 238. | 18.3% | Spencer-East Brookfield School District / 14,173 |
| 239. | 18.3% | North Adams School District / 13,941 |
| 240. | 18.2% | Somerset School District / 18,503 |
| 241. | 18.1% | Marion School District / 5,167 |
| 242. | 18.0% | Sudbury School District / 17,244 |
| 243. | 17.9% | North Adams School District in Florida (9-12) / 822 |
| 244. | 17.6% | Amherst-Pelham School District / 41,163 |
| 245. | 17.5% | Lakeville School District / 10,460 |
| 246. | 17.5% | North Middlesex School District / 23,903 |
| 247. | 17.5% | Narragansett School District / 9,752 |
| 248. | 17.4% | Brookline School District / 56,166 |
| 249. | 17.2% | Westford School District / 21,984 |
| 250. | 17.2% | King Philip School District / 30,241 |
| 250. | 17.2% | Clinton School District / 14,196 |
| 252. | 17.1% | Westfield School District / 41,373 |
| 253. | 17.0% | Andover School District / 33,309 |
| 254. | 16.9% | Chelmsford School District / 33,655 |
| 255. | 16.8% | Hampden-Wilbraham School District / 19,539 |
| 256. | 16.8% | Granville School District / 1,659 |
| 256. | 16.8% | Southwick-Tolland School District in Granville (9-12) / 1,659 |
| 258. | 16.8% | Mount Greylock School District / 11,227 |
| 259. | 16.8% | Tyngsborough School District / 11,594 |
| 260. | 16.6% | Auburn School District / 16,473 |
| 261. | 16.6% | Ashland School District / 15,136 |
| 262. | 16.4% | Leicester School District / 11,100 |
| 263. | 16.4% | Easthampton School District / 16,176 |
| 264. | 16.4% | Mattapoisett School District / 6,456 |
| 265. | 16.2% | Plainville School District / 8,167 |
| 266. | 16.1% | Tantasqua School District / 20,741 |
| 267. | 16.0% | Newburyport School District / 17,428 |
| 268. | 16.0% | Hopkinton School District / 14,326 |
| 269. | 16.0% | Chesterfield-Goshen School District / 2,246 |
| 270. | 15.9% | Harvard School District / 6,145 |
| 271. | 15.8% | Amherst School District / 35,971 |
| 272. | 15.7% | Shutesbury School District / 1,935 |
| 273. | 15.7% | Mansfield School District / 23,329 |
| 273. | 15.7% | Blackstone-Millville School District / 12,185 |
| 275. | 15.6% | Northbridge School District / 14,587 |
| 276. | 15.6% | East Longmeadow School District / 15,484 |
| 276. | 15.6% | Northborough School District / 14,732 |
| 278. | 15.5% | Grafton School District / 17,535 |
| 279. | 15.4% | Shrewsbury School District / 33,888 |
| 280. | 15.3% | Quabbin School District / 15,738 |
| 281. | 15.2% | Hopedale School District / 6,276 |
| 282. | 15.2% | Quaboag Regional School District / 9,131 |
| 283. | 15.1% | Brimfield School District / 3,800 |
| 284. | 14.9% | South Hadley School District / 17,190 |
| 285. | 14.9% | Topsfield School District / 6,096 |
| 285. | 14.9% | Franklin School District / 31,247 |
| 287. | 14.8% | Uxbridge School District / 12,737 |
| 288. | 14.7% | Boxford School District / 8,175 |
| 289. | 14.7% | Carlisle School District / 4,817 |
| 290. | 14.6% | Holland School District / 2,563 |
| 290. | 14.6% | Groton-Dunstable School District / 13,868 |
| 292. | 14.6% | West Boylston School District / 8,090 |
| 293. | 14.6% | Bridgewater-Raynham School District / 40,440 |
| 294. | 14.5% | Clarksburg School District / 1,893 |
| 294. | 14.5% | North Adams School District in Clarksburg (9-12) / 1,893 |
| 296. | 14.4% | Hampshire School District / 12,382 |
| 297. | 14.2% | Brookfield School District / 3,409 |
| 298. | 14.2% | Williamstown School District / 8,097 |
| 299. | 13.8% | Georgetown School District / 8,543 |
| 300. | 13.7% | Mendon-Upton School District / 12,310 |
| 301. | 13.4% | Norfolk School District / 10,968 |
| 302. | 13.3% | Conway School District / 1,914 |
| 303. | 13.3% | Sutton School District / 9,124 |
| 304. | 13.1% | Sturbridge School District / 8,826 |
| 305. | 12.9% | Belchertown School District / 14,085 |
| 306. | 12.8% | Littleton School District / 8,705 |
| 307. | 12.7% | Southwick-Tolland School District / 10,163 |
| 308. | 12.5% | Mohawk Trail School District in Rowe (7-12) / 418 |
| 308. | 12.5% | Rowe School District / 418 |
| 308. | 12.5% | West Springfield School District / 28,324 |
| 311. | 11.6% | Dudley-Charlton Regional School District / 23,637 |
| 312. | 10.7% | Southampton School District / 5,835 |
| 313. | 10.7% | Hancock School District / 738 |
| 313. | 10.7% | Mount Greylock/New Lebanon (NY) School Districts in Hancock (7-12) / 738 |
| 315. | 10.1% | Monson School District / 9,023 |
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.
*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.
