Saint James Square Historic District Eviction Risk: High

The dominant input is rent-regulation exposure at 9.5/10. This is a renter market: 92% of occupied units are tenant-occupied. At $1,769 a month, rents sit 34% under what the rest of San Jose commands.

Sitting well above the midpoint is eviction-process difficulty at 9/10. Annualized rent equals 34% of average household income here, past the 30% affordability line, which compresses the margin any screening standard has to work with. Well under the midpoint is supply constraint, at 1/10.

20% 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. The poverty rate is 19%, which shows up in this model as reduced rent-recovery odds after a judgment. Among the 36 mapped neighborhoods of San Jose, it ranks #1 by risk, the upper third.

Social vulnerability runs high at 8.9/10, concentrating the disaster- and displacement-exposure this model treats as a lagging risk input.

One tract means one number: 9.9/10 applies directly to any address inside the boundary. The number is rebuilt whenever its ACS, court-record, or statutory inputs change.