Core-Columbia Eviction Risk: High

This is a renter market: 91% of occupied units are tenant-occupied. Set annual rent against average household income of $72,610 and the ratio lands at 36%, above the conventional 30% ceiling.

25% 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. Internally this is not one market. Tract scores span 8 to 9.9, so two buildings inside the same boundary can carry materially different risk. What pushes the score up most is rent-regulation exposure at 8/10.

On the high side is eviction-process difficulty at 8/10. The poverty rate is 20%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest. Sitting well above the midpoint is housing-court posture at 7.5/10.

Among the 89 mapped neighborhoods of San Diego, it ranks #8 by risk, the upper third. For a like-for-like read, Park Haven and Valencia Park score within a fraction of it. Social vulnerability runs high at 7.6/10, concentrating the disaster- and displacement-exposure this model treats as a lagging risk input.

Average gross rent runs $2,201, close to the San Diego average.

Underwrite the address, not the area: with 1.9 points between its best and worst tract, the per-tract table below is the operative number. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.