East Side Eviction Risk: High

37% 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. What pushes the score up most is tenant-organizing strength at 9.6/10. Set annual rent against average household income of $76,837 and the ratio lands at 37%, above the conventional 30% ceiling.

Internally this is not one market. Tract scores span 7.3 to 9.2, so two buildings inside the same boundary can carry materially different risk. Sitting well above the midpoint is rent-regulation exposure at 7.7/10.

Well under the midpoint is supply constraint, at 2.9/10. Among the 7 mapped neighborhoods of Santa Barbara, it ranks #4 by risk, the middle third.

For a like-for-like read, Waterfront and Westside score within a fraction of it. Social vulnerability runs high at 9.1/10, concentrating the disaster- and displacement-exposure this model treats as a lagging risk input. Average gross rent runs $2,383, close to the Santa Barbara average.

62% of occupied units are renter-occupied.

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. The number is rebuilt whenever its ACS, court-record, or statutory inputs change.