Oxnard Eviction Risk: High

Adults with no health insurance runs 39.1% against 11.3% nationally. The severe-burden share is 34%, and it is the single best predictor in this model of a filing that actually reaches judgment. 70% of renter households cross the 30%-of-income line, markedly above the Ventura County average of 54.1%.

It sits 2.3 points above the Ventura County average of 6.9. The score leans hardest on tenant-organizing strength at 8.8/10. 82% 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.

Annualized rent equals 38% of average household income of $50,515, past the 30% affordability line, which thins the margin any screening standard has to work with. Well under the midpoint, supply constraint reads 1.2/10. The poverty rate is 32%, which in this model reads as reduced rent-recovery odds after a judgment.

On the high side, rent-regulation exposure reads 8/10. Average gross rent is $1,594, 22% below the Oxnard average.

That is riskier than roughly 96% of the 84,120 US census tracts in this model. CDC social-vulnerability scoring puts the tract at 9.4/10.

Tract-level figures come from the ACS 5-year release and are rebuilt whenever that, the court-record feed, or the statutory ledger behind the score changes.