Georgia Avenue Eviction Risk: Moderate

Pulling the other way is rent-regulation exposure, at 1/10. At $771 a month, rents sit 28% under what the rest of Mobile commands. Scores across the 4 constituent tracts range from 3 to 4.9. A 1.9-point internal spread means block-level underwriting beats area-level here.

Well under the midpoint is supply constraint, at 2.1/10. The severe-burden share is 14%. Those renters are past the 50% mark, and they miss rent for reasons that have nothing to do with willingness to pay. Filings are well documented here: 1,034 across 4 observed tracts.

The poverty rate is 18%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest. Filing activity peaked in 2006 at 12.5% of renter households. Running cool is tenant-organizing strength, at 3/10.

The most recent observed rate, 5.3% in 2016, is well off that peak. Among the 26 mapped neighborhoods of Mobile, it ranks #14 by risk, the middle third.

For a like-for-like read, Lloyds and Bridlewood score within a fraction of it. Social vulnerability runs high at 7.7/10, concentrating the disaster- and displacement-exposure this model treats as a lagging risk input.

Rent takes 19% of average household income, comfortably inside the 30% line and unusually low for a rental sub-market.

Underwrite the address, not the area: with 1.9 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.