| Rank | Percentage of Houses without a Mortgage where Total Holding Costs 30-40% of Owner Income ▼ | School District / Population |
| 1. | 37.9% | Auchard Creek Elementary School District / 143 |
| 2. | 31.6% | Biddle Elementary School District / 70 |
| 3. | 30.0% | Paradise Elementary School District / 392 |
| 4. | 28.2% | Hays-Lodge Pole K-12 Schools / 1,016 |
| 5. | 22.7% | Knees Elementary School District / 108 |
| 6. | 20.4% | Augusta High School District / 639 |
| 7. | 19.6% | Swan Lake-Salmon Elementary School District / 218 |
| 8. | 18.9% | Lustre Elementary School District / 162 |
| 9. | 18.9% | Ophir Elementary School District / 1,074 |
| 10. | 17.3% | Manhattan Elementary School District / 2,523 |
| 11. | 16.3% | Alzada Elementary School District / 160 |
| 12. | 16.1% | Augusta Elementary School District / 496 |
| 13. | 16.1% | De Smet Elementary School District / 580 |
| 14. | 15.8% | Cohagen Elementary School District / 55 |
| 15. | 15.7% | Name N/A / 227 |
| 16. | 15.4% | McLeod Elementary School District / 170 |
| 17. | 14.1% | Wyola Elementary School District / 398 |
| 18. | 13.8% | Hellgate Elementary School District / 10,647 |
| 19. | 13.0% | Hot Springs Elementary School District / 1,419 |
| 20. | 12.8% | Powder River County High School District / 1,691 |
| 21. | 12.2% | Forsyth Elementary School District / 2,497 |
| 21. | 12.2% | Forsyth High School District / 2,531 |
| 23. | 12.0% | Denton Elementary School District / 664 |
| 23. | 12.0% | Denton High School District / 671 |
| 25. | 11.9% | Melville Elementary School District / 242 |
| 26. | 11.9% | Broadus Elementary School District / 1,363 |
| 27. | 11.8% | White Sulphur Springs Elementary School District / 1,482 |
| 28. | 11.8% | Pryor Elementary School District / 961 |
| 28. | 11.8% | Plenty Coups High School District / 961 |
| 28. | 11.8% | Belt High School District / 2,020 |
| 31. | 11.7% | Wolf Point Elementary School District / 3,715 |
| 32. | 11.7% | Lolo Elementary School District / 3,934 |
| 33. | 11.6% | Belt Elementary School District / 2,043 |
| 34. | 11.6% | Manhattan High School District / 3,940 |
| 35. | 11.6% | Hamilton K-12 Schools / 11,767 |
| 36. | 11.5% | Hawks Home Elementary School District / 119 |
| 37. | 11.5% | Plentywood K-12 Schools / 2,487 |
| 38. | 11.4% | Carter Elementary School District / 143 |
| 38. | 11.4% | White Sulphur Springs High School District / 1,628 |
| 40. | 11.3% | Marion Elementary School District / 840 |
| 41. | 11.2% | Chester-Joplin-Inverness Elementary School District / 2,185 |
| 42. | 11.1% | Carter County High School District / 1,237 |
| 42. | 11.1% | Choteau Elementary School District / 2,612 |
| 42. | 11.1% | Nye Elementary School District / 175 |
| 42. | 11.1% | Malmborg Elementary School District / 133 |
| 42. | 11.1% | Willow Creek High School District / 169 |
| 47. | 10.9% | Chester-Joplin-Inverness High School District / 2,290 |
| 48. | 10.9% | Three Forks Elementary School District / 2,639 |
| 49. | 10.8% | Three Forks High School District / 2,592 |
| 50. | 10.6% | Melstone High School District / 424 |
| 51. | 10.6% | Whitefish Elementary School District / 14,029 |
| 52. | 10.5% | Dixon Elementary School District / 634 |
| 53. | 10.5% | Hot Springs High School District / 1,668 |
| 54. | 10.4% | Plains High School District / 3,352 |
| 55. | 10.0% | Ekalaka Elementary School District / 958 |
| 55. | 10.0% | Lennep Elementary School District / 52 |
| 57. | 9.9% | Somers Elementary School District / 4,396 |
| 58. | 9.8% | Wolf Point High School District / 4,281 |
| 59. | 9.8% | Whitefish High School District / 14,617 |
| 60. | 9.7% | West Yellowstone K-12 School District / 1,493 |
| 61. | 9.7% | Harlowton Elementary School District / 1,669 |
| 61. | 9.7% | Elysian Elementary School District / 488 |
| 63. | 9.5% | Harlowton High School District / 1,772 |
| 64. | 9.4% | Choteau High School District / 3,107 |
| 65. | 9.4% | Bridger K-12 Schools / 1,205 |
| 66. | 9.4% | Eureka Elementary School District / 4,157 |
| 67. | 9.0% | Roundup Elementary School District / 3,797 |
| 68. | 9.0% | Frenchtown K-12 Schools / 5,970 |
| 69. | 9.0% | Frazer High School District / 586 |
| 70. | 8.9% | St. Regis K-12 Schools / 1,055 |
| 71. | 8.7% | Lewistown Elementary School District / 8,714 |
| 72. | 8.7% | Brockton Elementary School District / 922 |
| 72. | 8.7% | Brockton High School District / 922 |
| 74. | 8.6% | Kircher Elementary School District / 728 |
| 75. | 8.6% | Fergus High School District / 8,858 |
| 76. | 8.5% | Ronan High School District / 8,304 |
| 76. | 8.5% | Ronan Elementary School District / 8,304 |
| 78. | 8.5% | Roy K-12 Schools / 348 |
| 78. | 8.5% | Roundup High School District / 3,958 |
| 80. | 8.5% | Malta K-12 Schools / 3,097 |
| 81. | 8.3% | Willow Creek Elementary School District / 212 |
| 82. | 8.3% | Fort Benton High School District / 1,994 |
| 83. | 8.2% | Bozeman Elementary School District / 51,961 |
| 84. | 8.2% | Bozeman High School District / 58,563 |
| 85. | 8.1% | Absarokee High School District / 2,256 |
| 86. | 8.0% | Cottonwood Elementary School District / 236 |
| 87. | 7.9% | Twin Bridges K-12 Schools / 1,351 |
| 87. | 7.9% | Belgrade Elementary School District / 19,573 |
| 89. | 7.9% | Valier Elementary School District / 1,108 |
| 90. | 7.7% | Belgrade High School District / 19,773 |
| 91. | 7.6% | Darby K-12 Schools / 3,077 |
| 92. | 7.6% | Pine Creek Elementary School District / 367 |
| 93. | 7.6% | Swan Valley Elementary School District / 403 |
| 93. | 7.6% | Lodge Grass High School District / 2,319 |
| 95. | 7.4% | Creston Elementary School District / 1,060 |
| 95. | 7.4% | Dodson Elementary School District / 276 |
| 97. | 7.4% | Browning Elementary School District / 8,110 |
| 98. | 7.3% | Fort Benton Elementary School District / 1,699 |
| 99. | 7.2% | Anderson Elementary School District / 1,129 |
| 100. | 7.2% | Lincoln County High School District / 5,421 |
| 101. | 7.1% | Swan River Elementary School District / 1,685 |
| 102. | 7.0% | Valier High School District / 1,417 |
| 103. | 7.0% | Absarokee Elementary School District / 1,841 |
| 103. | 7.0% | Hysham K-12 Schools / 912 |
| 105. | 6.9% | Livingston Elementary School District / 10,306 |
| 106. | 6.9% | Melstone Elementary School District / 619 |
| 107. | 6.9% | Poplar Elementary School District / 3,329 |
| 107. | 6.9% | Poplar High School District / 3,329 |
| 107. | 6.9% | Sweet Grass County High School District / 3,567 |
| 110. | 6.9% | Harlem Elementary School District / 2,676 |
| 111. | 6.7% | Missoula High School District / 97,049 |
| 112. | 6.7% | Conrad Elementary School District / 3,221 |
| 112. | 6.7% | Conrad High School District / 3,333 |
| 114. | 6.6% | Hardin High School District / 8,013 |
| 115. | 6.6% | Browning High School District / 8,960 |
| 116. | 6.6% | Superior K-12 Schools / 2,370 |
| 116. | 6.6% | Hardin Elementary School District / 8,993 |
| 118. | 6.5% | Harlem High School District / 2,771 |
| 119. | 6.4% | Plains Elementary School District / 2,960 |
| 120. | 6.4% | Glendive Elementary School District / 6,042 |
| 121. | 6.4% | Monforton Elementary School District / 1,807 |
| 122. | 6.4% | Joliet Elementary School District / 1,624 |
| 123. | 6.3% | Bonner Elementary School District / 2,365 |
| 124. | 6.3% | Upper West Shore Elementary School District / 757 |
| 125. | 6.2% | Shelby Elementary School District / 3,521 |
| 126. | 6.2% | Columbia Falls Elementary School District / 13,994 |
| 127. | 6.2% | Charlo High School District / 1,976 |
| 128. | 6.2% | Columbia Falls High School District / 14,405 |
| 129. | 6.1% | Sunset Elementary School District / 174 |
| 130. | 6.0% | Kila Elementary School District / 1,231 |
| 131. | 6.0% | Froid High School District / 443 |
| 131. | 6.0% | Froid Elementary School District / 443 |
| 133. | 6.0% | Joliet High School District / 2,178 |
| 134. | 6.0% | Kalispell Elementary School District / 28,562 |
| 135. | 5.9% | Flathead High School District / 52,794 |
| 135. | 5.9% | Park High School District / 12,686 |
| 137. | 5.9% | Reedpoint High School District / 501 |
| 137. | 5.9% | Pioneer Elementary School District / 792 |
| 137. | 5.9% | Whitewater K-12 Schools / 143 |
| 140. | 5.9% | Seeley Lake Elementary School District / 1,614 |
| 141. | 5.9% | Centerville High School District / 1,474 |
| 141. | 5.9% | Dutton/Brady K-12 Schools / 945 |
| 143. | 5.8% | Fishtail Elementary School District / 366 |
| 143. | 5.8% | Dodson High School District / 331 |
| 145. | 5.8% | Centerville Elementary School District / 1,526 |
| 146. | 5.7% | Clinton Elementary School District / 1,666 |
| 147. | 5.7% | Olney-Bissell Elementary School District / 927 |
| 148. | 5.7% | Missoula Elementary School District / 70,583 |
| 149. | 5.6% | Great Falls Elementary School District / 72,584 |
| 150. | 5.6% | Great Falls High School District / 72,659 |
| 150. | 5.6% | Huntley Project K-12 Schools / 3,750 |
| 150. | 5.6% | Lodge Grass Elementary School District / 1,921 |
| 150. | 5.6% | West Valley Elementary School District / 2,822 |
| 150. | 5.6% | Shields Valley Elementary School District / 1,731 |
| 150. | 5.6% | Shields Valley High School District / 1,731 |
| 156. | 5.6% | Name N/A / 852,731 |
| 157. | 5.6% | Rapelje Elementary School District / 233 |
| 158. | 5.5% | Shelby High School District / 3,810 |
| 159. | 5.5% | Cascade Elementary School District / 1,757 |
| 160. | 5.5% | Custer K-12 Schools / 400 |
| 160. | 5.5% | Corvallis K-12 Schools / 7,291 |
| 162. | 5.4% | Elder Grove Elementary School District / 2,053 |
| 163. | 5.4% | Butte Elementary School District / 31,449 |
| 163. | 5.4% | Deer Lodge Elementary School District / 5,878 |
| 165. | 5.4% | West Glacier Elementary School District / 411 |
| 166. | 5.3% | Anaconda High School District / 8,782 |
| 167. | 5.3% | Alberton K-12 Schools / 1,100 |
| 168. | 5.3% | Anaconda Elementary School District / 8,737 |
| 169. | 5.2% | Big Timber Elementary School District / 2,819 |
| 170. | 5.2% | Butte High School District / 32,714 |
| 171. | 5.2% | Gardiner Elementary School District / 1,710 |
| 172. | 5.2% | Reedpoint Elementary School District / 549 |
| 172. | 5.2% | East Helena Elementary School District / 8,387 |
| 174. | 5.1% | Potomac Elementary School District / 1,138 |
| 175. | 5.1% | Dillon Elementary School District / 7,428 |
| 176. | 5.1% | Lame Deer Elementary School District / 3,168 |
| 177. | 5.0% | Colstrip High School District / 2,351 |
| 177. | 5.0% | Colstrip Elementary School District / 2,351 |
| 179. | 4.8% | Dawson High School District / 8,074 |
| 180. | 4.8% | Bigfork High School District / 7,893 |
| 181. | 4.8% | Bloomfield Elementary School District / 99 |
| 181. | 4.8% | Gallatin Gateway Elementary School District / 1,489 |
| 183. | 4.7% | Billings Elementary School District / 104,681 |
| 184. | 4.6% | Billings High School District / 122,509 |
| 184. | 4.6% | Gardiner High School District / 1,787 |
| 186. | 4.6% | Lockwood Elementary School District / 7,389 |
| 186. | 4.6% | Park City High School District / 2,065 |
| 188. | 4.6% | Victor K-12 Schools / 3,644 |
| 189. | 4.6% | Sidney Elementary School District / 6,244 |
| 189. | 4.6% | Cayuse Prairie Elementary School District / 2,511 |
| 191. | 4.4% | Libby K-12 Schools / 10,055 |
| 192. | 4.3% | Bainville K-12 Schools / 335 |
| 192. | 4.3% | Greenfield Elementary School District / 598 |
| 194. | 4.3% | Melrose Elementary School District / 87 |
| 194. | 4.3% | Ryegate K-12 Schools / 341 |
| 194. | 4.3% | Kinsey Elementary School District / 416 |
| 197. | 4.2% | Beaverhead County High School District / 8,478 |
| 197. | 4.2% | Circle Elementary School District / 1,213 |
| 199. | 4.2% | Powell County High School District / 7,151 |
| 200. | 4.2% | Lame Deer High School District / 5,339 |
| 201. | 4.2% | Park City Elementary School District / 2,206 |
| 201. | 4.2% | Plevna K-12 Schools / 355 |
| 203. | 4.2% | Sidney High School District / 6,811 |
| 204. | 4.1% | Sheridan Elementary School District / 1,783 |
| 204. | 4.1% | Terry K-12 Schools / 1,004 |
| 206. | 4.1% | Lone Rock Elementary School District / 3,252 |
| 206. | 4.1% | Helena High School District / 58,464 |
| 208. | 4.1% | Rapelje High School District / 351 |
| 209. | 4.0% | Helena Elementary School District / 48,201 |
| 210. | 4.0% | S H Elementary School District / 121 |
| 211. | 4.0% | Glasgow K-12 Schools / 4,534 |
| 212. | 4.0% | Florence-Carlton K-12 Schools / 5,688 |
| 213. | 4.0% | Fairfield Elementary School District / 1,115 |
| 214. | 4.0% | Cardwell Elementary School District / 481 |
| 215. | 3.9% | Deer Park Elementary School District / 765 |
| 216. | 3.9% | Greycliff Elementary School District / 284 |
| 216. | 3.9% | Bigfork Elementary School District / 6,078 |
| 218. | 3.8% | Philipsburg K-12 Schools / 1,673 |
| 219. | 3.8% | Fair-Mont-Egan Elementary School District / 1,130 |
| 220. | 3.8% | Havre Elementary School District / 12,764 |
| 221. | 3.8% | Ashland Elementary School District / 1,156 |
| 222. | 3.8% | Baker K-12 Schools / 2,302 |
| 223. | 3.7% | Fairfield High School District / 1,888 |
| 224. | 3.7% | Charlo Elementary School District / 1,342 |
| 225. | 3.7% | Cascade High School District / 2,659 |
| 226. | 3.6% | Fairview Elementary School District / 1,403 |
| 227. | 3.6% | Shepherd High School District / 2,920 |
| 227. | 3.6% | Shepherd Elementary School District / 2,920 |
| 229. | 3.6% | Circle High School District / 1,747 |
| 229. | 3.6% | Fairview High School District / 1,413 |
| 231. | 3.6% | Sunburst K-12 Schools / 1,300 |
| 231. | 3.6% | Amsterdam Elementary School District / 1,390 |
| 233. | 3.6% | Belfry K-12 Schools / 553 |
| 234. | 3.5% | Havre High School District / 13,197 |
| 235. | 3.5% | Savage Elementary School District / 499 |
| 236. | 3.5% | Sheridan High School District / 2,075 |
| 237. | 3.5% | Zurich Elementary School District / 263 |
| 238. | 3.5% | Savage High School District / 520 |
| 238. | 3.5% | Rocky Boy High School District / 1,498 |
| 240. | 3.5% | Independent Elementary School District / 2,555 |
| 241. | 3.4% | North Star Elementary School District / 1,082 |
| 242. | 3.4% | Stevensville High School District / 9,879 |
| 243. | 3.4% | Westby K-12 Schools / 358 |
| 244. | 3.4% | Grass Range High School District / 420 |
| 244. | 3.4% | Grass Range Elementary School District / 405 |
| 246. | 3.4% | Polson High School District / 10,702 |
| 246. | 3.4% | North Star High School District / 1,214 |
| 248. | 3.3% | Cut Bank High School District / 4,451 |
| 248. | 3.3% | Cut Bank Elementary School District / 4,451 |
| 250. | 3.3% | Woodman Elementary School District / 580 |
| 250. | 3.3% | Luther Elementary School District / 441 |
| 252. | 3.3% | Columbus Elementary School District / 3,352 |
| 253. | 3.2% | Ennis K-12 Schools / 2,563 |
| 254. | 3.2% | Columbus High School District / 3,493 |
| 255. | 3.1% | Polson Elementary School District / 9,518 |
| 256. | 3.1% | Stevensville Elementary School District / 6,627 |
| 257. | 3.1% | Rocky Boy Elementary School District / 2,389 |
| 258. | 3.1% | Trego Elementary School District / 660 |
| 259. | 3.0% | McCormick Elementary School District / 344 |
| 260. | 2.9% | Lambert High School District / 384 |
| 261. | 2.9% | Culbertson High School District / 921 |
| 262. | 2.9% | Roberts K-12 Schools / 688 |
| 263. | 2.8% | Jordan Elementary School District / 640 |
| 264. | 2.8% | Lambert Elementary School District / 407 |
| 265. | 2.8% | Hall Elementary School District / 259 |
| 266. | 2.8% | Ramsay Elementary School District / 1,040 |
| 267. | 2.8% | Drummond High School District / 1,207 |
| 268. | 2.7% | Drummond Elementary School District / 948 |
| 268. | 2.7% | Evergreen Elementary School District / 5,740 |
| 270. | 2.7% | Culbertson Elementary School District / 1,019 |
| 271. | 2.7% | Canyon Creek Elementary School District / 1,807 |
| 272. | 2.7% | Scobey K-12 Schools / 1,346 |
| 273. | 2.7% | Geraldine Elementary School District / 652 |
| 274. | 2.6% | Garfield County High School District / 1,135 |
| 275. | 2.6% | Heart Butte K-12 Schools / 826 |
| 276. | 2.5% | Geraldine High School District / 713 |
| 277. | 2.5% | Wise River Elementary School District / 294 |
| 278. | 2.5% | Whitehall High School District / 3,725 |
| 279. | 2.4% | Highwood High School District / 482 |
| 279. | 2.4% | Vida Elementary School District / 534 |
| 281. | 2.4% | Hinsdale Elementary School District / 382 |
| 282. | 2.4% | Highwood Elementary School District / 540 |
| 283. | 2.4% | Custer County High School District / 11,129 |
| 283. | 2.4% | Richey High School District / 473 |
| 285. | 2.3% | Whitehall Elementary School District / 3,168 |
| 286. | 2.2% | Lincoln K-12 Schools / 978 |
| 287. | 2.1% | Hobson K-12 Schools / 875 |
| 288. | 2.1% | Deer Creek Elementary School District / 1,622 |
| 289. | 2.1% | Arlee High School District / 2,377 |
| 289. | 2.1% | Arlee Elementary School District / 2,377 |
| 291. | 2.1% | Saco High School District / 388 |
| 292. | 2.0% | Hinsdale High School District / 418 |
| 293. | 2.0% | Troy Elementary School District / 2,612 |
| 294. | 1.9% | Townsend K-12 Schools / 4,335 |
| 295. | 1.9% | Laurel Elementary School District / 10,532 |
| 295. | 1.9% | Laurel High School District / 10,015 |
| 297. | 1.9% | Saco Elementary School District / 424 |
| 297. | 1.9% | Troy High School District / 3,222 |
| 299. | 1.8% | Richey Elementary School District / 381 |
| 300. | 1.8% | Miles City Elementary School District / 9,488 |
| 300. | 1.8% | Wibaux K-12 Schools / 922 |
| 302. | 1.8% | Noxon Elementary School District / 1,313 |
| 303. | 1.7% | Opheim K-12 Schools / 415 |
| 304. | 1.6% | Helena Flats Elementary School District / 1,534 |
| 304. | 1.6% | Smith Valley Elementary School District / 1,761 |
| 306. | 1.5% | Ovando Elementary School District / 208 |
| 307. | 1.5% | Arrowhead Elementary School District / 1,852 |
| 308. | 1.4% | Boulder Elementary School District / 2,428 |
| 309. | 1.4% | Red Lodge High School District / 4,012 |
| 310. | 1.2% | Vaughn Elementary School District / 1,040 |
| 311. | 1.2% | Medicine Lake K-12 Schools / 723 |
| 311. | 1.2% | Galata Elementary School District / 289 |
| 313. | 1.2% | Red Lodge Elementary School District / 3,445 |
| 314. | 1.1% | Big Sandy Elementary School District / 1,121 |
| 315. | 1.0% | Noxon High School District / 2,229 |
| 316. | 1.0% | Big Sandy High School District / 2,034 |
| 317. | 0.9% | Chinook High School District / 2,407 |
| 318. | 0.9% | Nashua K-12 Schools / 935 |
| 319. | 0.6% | Chinook Elementary School District / 2,022 |
| 320. | 0.5% | St. Ignatius K-12 Schools / 3,138 |
| 321. | 0.4% | Simms High School District / 3,100 |
| 322. | 0.4% | Jefferson High School District / 7,804 |
Please note that we only rank locations with 'Percentage of Houses without 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 without 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.
