Black Mountain Ranch Eviction Risk: Elevated

Against a San Diego baseline of 32.4%, 92% of renters here cross the 30%-of-income line. At $3,501 a month, rents sit 51% over what the rest of San Diego commands.

The strongest single driver of the headline number is rent-regulation exposure at 8/10. Running hot is eviction-process difficulty at 8/10. The voucher gap is 21.5%: households holding assistance that local rents will not absorb, which shows up as churn rather than arrears.

Running cool is economic stress, at 2.3/10. 2.8% 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. 2.9% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt.

That places it #59 of 89 neighborhoods in San Diego. Only 11% of units are renter-occupied. Rental comparables are thin here; price renewals off the nearest genuine rental sub-market rather than off surrounding sale prices. The closest comparables inside the same city are Kearny Mesa and Hidden Valley.

Annual rent works out to 26% of average household income of $160,126.

Because the boundary contains one tract, 7.6/10 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.