Saint James Square Historic District Eviction Risk: High , San Jose

92% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building nearby. Sitting well above the midpoint, eviction-process difficulty reads 9/10. Average gross rent is $1,769, 34% below the San Jose average.

On the softer side, supply constraint reads 1/10. Against the Santa Clara County average of 8.0, this tract reads riskier for landlords by 1.9 points. Annualized rent equals 34% of average household income of $63,291, past the 30% affordability line, which thins the margin any screening standard has to work with.

The severe-burden share is 19%, and it is the single best predictor in this model of a filing that actually reaches judgment. The poverty rate is 19%, which in this model reads as reduced rent-recovery odds after a judgment.

In the 1930s the federal Home Owners' Loan Corporation graded this ground C ("Definitely Declining"). Redlining cut off mortgage credit to whole blocks for decades, and the areas graded D still carry measurably lower ownership and higher rent burden today. That is riskier than roughly 100% of the 84,120 US census tracts in this model.

CDC social-vulnerability scoring puts the tract at 8.9/10. Statewide the CA average is 7.5, so this tract runs 2.4 points hotter.

Of its three components the housing type and transport measure is the most pressured. Rent takes 30% or more of income for 45% of renters.

All figures here are ACS 5-year estimates for this tract, refreshed as the underlying releases land.