Mission Hill Historic District Eviction Risk: High

Severe burden reaches 33%. A tenant at that level absorbs no shock: one cut shift or one repair bill converts directly into arrears. The dominant input is tenant-organizing strength at 9.3/10. On the softer side is supply constraint, at 1.1/10.

The 7 tracts inside this boundary do not behave alike. Individual scores run 7 to 9.4, a 2.4-point gap wide enough that the area average misleads on any specific address. Sitting well above the midpoint is rent-regulation exposure at 7.6/10. The poverty rate is 17%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest.

At $2,164 a month, rents sit 12% under what the rest of Santa Cruz commands. For a like-for-like read, Westside and University score within a fraction of it. Annual rent works out to 27% of average household income of $96,634.

59% of occupied units are renter-occupied.

Underwrite the address, not the area: with 2.4 points between its best and worst tract, the per-tract table below is the operative number. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.