Silver Creek Eviction Risk: High

Sitting well above the midpoint is eviction-process difficulty at 9/10. At $3,501 a month, rents sit 31% over what the rest of San Jose commands.

Well under the midpoint is economic stress, at 1/10. Against a San Jose baseline of 30.1%, 37% of renters here cross the 30%-of-income line. 2.8% of adults report being unable to pay a utility bill, below a 9.2% national figure. Utility arrears usually lead rent arrears by a month or two.

3.3% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt. Among the 36 mapped neighborhoods of San Jose, it ranks #33 by risk, the lower third. At 7% renter-occupied, this is predominantly owner territory, and rental comps have to be drawn from further out.

The closest comparables inside the same city are Almaden Valley and Avenida Espana. Rent takes 17% of average household income, comfortably inside the 30% line and unusually low for a rental sub-market.

Poverty sits at 1%, low enough that arrears here usually reflect a specific shock rather than a structural income gap. Its 2 tracts score within 0 points of one another, so the area figure travels well to individual addresses.

With little internal variation, 8.3/10 is a fair proxy for any address inside the boundary. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.