Garfield Eviction Risk: Moderate

The clearest offset is rent-regulation exposure, at 1/10. 27% are severely burdened, paying half their income or more in rent. That cohort has no absorption capacity for an unexpected bill, and it is where non-payment filings originate.

73% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building two streets over. Set annual rent against average household income of $51,410 and the ratio lands at 33%, above the conventional 30% ceiling.

The poverty rate is 26%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest. 23.2% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt. Running cool is supply constraint, at 2.7/10.

Filings are well documented here: 950 across 6 observed tracts. CDC survey data puts housing insecurity at 22.0% of adults, against 14.2% nationally. The worst year on record was 2005, when filings touched 35.6% of renter households.

On the softer side is eviction-process difficulty, at 3/10. At $1,404 a month, rents sit 11% under what the rest of Phoenix commands.

That places it #14 of 113 neighborhoods in Phoenix.

With little internal variation, 4.9/10 is a fair proxy for any address inside the boundary. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.