Polk Gulch Eviction Risk: High

Running hot is eviction-process difficulty at 10/10. Sitting well above the midpoint is tenant-organizing strength at 10/10. 36% of renters here are cost-burdened at the 30% threshold, markedly above the San Francisco rate of 25.1%.

76% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building two streets over. The severe-burden share is 18%. Those renters are past the 50% mark, and they miss rent for reasons that have nothing to do with willingness to pay. Internally this is not one market. Tract scores span 8.8 to 9.9, so two buildings inside the same boundary can carry materially different risk.

At $2,778 a month, rents sit 12% over what the rest of San Francisco commands. Food insecurity affects 9.4% of adults, 8.4 points below the national rate. 5.0% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt.

Among the 53 mapped neighborhoods of San Francisco, it ranks #28 by risk, the middle third. The closest comparables inside the same city are Duboce Triangle and Telegraph Hill. Annual rent works out to 20% of average household income of $165,627.

Underwrite the address, not the area: with 1.1 points between its best and worst tract, the per-tract table below is the operative number. The number is rebuilt whenever its ACS, court-record, or statutory inputs change.