Carmel Valley Eviction Risk: Elevated

The main counterweight is economic stress, at 1.1/10. Against a San Diego baseline of 32.4%, 41% of renters here cross the 30%-of-income line. Severe burden reaches 19%. A tenant at that level absorbs no shock: one cut shift or one repair bill converts directly into arrears.

On the high side is rent-regulation exposure at 8/10. Sitting well above the midpoint is eviction-process difficulty at 8/10. 3.1% 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.

SNAP participation is 4.9% of households versus 15.2% nationally. Among the 89 mapped neighborhoods of San Diego, it ranks #79 by risk, the lower third.

Rent takes 19% of average household income, comfortably inside the 30% line and unusually low for a rental sub-market. Poverty sits at 4%, low enough that arrears here usually reflect a specific shock rather than a structural income gap. The 4 tracts here are tightly clustered, 0 points apart at the extremes.

34% of occupied units are renter-occupied.

With little internal variation, 7.2/10 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.