Mertz Eviction Risk: Moderate , Mobile

The clearest offset is rent-regulation exposure at 1/10. Annualized rent equals 39% of average household income of $30,352, past the 30% affordability line, which thins the margin any screening standard has to work with.

On the softer side, state political climate reads 1.8/10. The poverty rate is 28%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest.

Disability prevalence runs 44.4% against 31.5% nationally. Inability to pay a utility bill runs 22.0% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

Against the Mobile County average of 4.0, this tract reads riskier for landlords by 1.0 points. The filing record is not thin: 419 evictions over 10 years of observation.

about half of renter households cross the 30%-of-income line, above the Mobile County average of 43.6%. Running cool, tenant-organizing strength reads 3/10.

The worst year on record was 2001, when 14.4% of renter households were served. 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 9.4% of renter households face a filing. Nationally it ranks #32,842 of 84,120 for landlord eviction difficulty. CDC social-vulnerability scoring puts the tract at 7.4/10.

These are ACS 5-year estimates; the score moves when the ACS, court-record, or statute inputs behind it move.