Carmel Country Highlands Eviction Risk: Elevated

At $3,476 a month, rents sit 50% over what the rest of San Diego commands. The clearest offset is economic stress, at 1.3/10. The severe-burden share is 20%. Those renters are past the 50% mark, and they miss rent for reasons that have nothing to do with willingness to pay.

Sitting well above the midpoint is rent-regulation exposure at 8/10. The voucher gap is 20.6%: households holding assistance that local rents will not absorb, which shows up as churn rather than arrears.

On the high side is eviction-process difficulty at 8/10. Food insecurity affects 6.6% of adults, 11.2 points below the national rate.

3.0% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt. Among the 89 mapped neighborhoods of San Diego, it ranks #73 by risk, the lower third. At 26% renter-occupied, this is predominantly owner territory, and rental comps have to be drawn from further out.

For a like-for-like read, La Jolla Mesa and Rancho Peñasquitos score within a fraction of it. Against average income of $216,503, annual rent is only 19%, a wide affordability cushion.

With little internal variation, 7.3/10 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.