Upper Twentieth Street Residential Historic District Eviction Risk: Moderate , Phenix City

The score leans hardest on economic stress at 10/10. The poverty rate is 40%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. 27% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears.

Well under the midpoint, rent-regulation exposure reads 1/10. Annualized rent equals 35% of average household income of $26,339, past the 30% affordability line, which thins the margin any screening standard has to work with. On the softer side, eviction-process difficulty reads 1.2/10.

SNAP participation runs 30.9% against 15.2% nationally. 68% 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. At $765 a month, rents run 21% under what the rest of Phenix City commands.

Against the Russell County average of 3.7, this tract reads riskier for landlords by 1.1 points. Court records carry 301 eviction filings across 9 observed years.

Inability to pay a utility bill runs 17.2% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. The worst year on record was 2002, when 7.4% of renter households were served.

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