Represa Eviction Risk: Moderate

The main counterweight is economic stress, at 1/10. Annualized rent equals 34% of average household income here, past the 30% affordability line, which compresses the margin any screening standard has to work with.

The severe-burden share is 16%. Those renters are past the 50% mark, and they miss rent for reasons that have nothing to do with willingness to pay. CDC survey data puts housing insecurity at 6.2% of adults, against 14.2% nationally. The voucher gap is 15.1%: households holding assistance that local rents will not absorb, which shows up as churn rather than arrears.

3.6% of adults report being unable to pay a utility bill, below a 9.2% national figure. Utility arrears usually lead rent arrears by a month or two. At $2,540 a month, rents sit 8% over what the rest of Folsom commands.

That places it #3 of 10 neighborhoods in Folsom. At 19% renter-occupied, this is predominantly owner territory, and rental comps have to be drawn from further out. For a like-for-like read, Natoma Station and Lexington Hills score within a fraction of it.

Poverty sits at 3%, low enough that arrears here usually reflect a specific shock rather than a structural income gap.

Because the boundary contains one tract, 5.5/10 is simultaneously the area figure and the address-level figure. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.