Birmingham Eviction Risk: Moderate

Severe burden reaches 24%. Those are renters paying half their income or more, and that is where non-payment filings originate. 69% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building nearby.

Running cool, state political climate reads 1.8/10. SNAP participation runs 29.0% against 15.2% nationally. The poverty rate is 24%, which in this model reads as reduced rent-recovery odds after a judgment.

Against Jefferson County at 46.3%, 40% of renters here are cost-burdened. Inability to pay a utility bill runs 19.5% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. Against the Jefferson County average of 4.3, this tract reads riskier for landlords by 1.1 points.

On the high side, court filing pressure reads 7.5/10. The filing record is not thin: 1,555 evictions over 11 years of observation. Filings peaked in 2015 at 24.5% of renter households.

In a typical year about 17.3% 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.