Highland Avenue Historic District Eviction Risk: Lower

Severe burden reaches 36%. A tenant at that level absorbs no shock: one cut shift or one repair bill converts directly into arrears. The main counterweight is rent-regulation exposure, at 1/10. Internally this is not one market. Tract scores span 3.1 to 5.4, so two buildings inside the same boundary can carry materially different risk.

Well under the midpoint is supply constraint, at 2.5/10. The poverty rate is 19%, which shows up in this model as reduced rent-recovery odds after a judgment. Filings are well documented here: 388 across 2 observed tracts.

Average gross rent is $957, 14% below the Birmingham average of $1,107. SNAP participation is 6.2% of households versus 15.2% nationally. Filing activity peaked in 2003 at 3.8% of renter households.

Running cool is housing-court posture, at 3/10. The most recent observed rate, 1.4% in 2016, is well off that peak. That places it #17 of 20 neighborhoods in Birmingham.

Rent takes 14% of average household income, comfortably inside the 30% line and unusually low for a rental sub-market.

Underwrite the address, not the area: with 2.3 points between its best and worst tract, the per-tract table below is the operative number. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.