North Birmingham Eviction Risk: Moderate

Food insecurity runs 47.9% against 17.8% nationally. Annualized rent equals 43% of average household income of $22,200, past the 30% affordability line, which thins the margin any screening standard has to work with. Pulling hardest the other way is rent-regulation exposure at 1/10.

The severe-burden share is 25%, and it is the single best predictor in this model of a filing that actually reaches judgment. The poverty rate is 33%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. Well under the midpoint, supply constraint reads 1.3/10.

Inability to pay a utility bill runs 26.5% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. At $797 a month, rents run 28% under what the rest of Birmingham commands. Running hot, economic stress reads 8.4/10.

It sits 1.1 points above the Jefferson County average of 4.3. The filing record is not thin: 706 evictions over 11 years of observation.

Filings peaked in 2001 at 17.6% of renter households. In the 1930s the federal Home Owners' Loan Corporation graded this ground D ("Hazardous"). Redlining cut off mortgage credit to whole blocks for decades, and the areas graded D still carry measurably lower ownership and higher rent burden today. In a typical year about 11.9% of renter households face a filing.

Tract-level figures come from the ACS 5-year release and are rebuilt whenever that, the court-record feed, or the statutory ledger behind the score changes.