La Joya Eviction Risk: Moderate

37% 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 dominant input is tenant-organizing strength at 9.1/10.

The poverty rate is 35%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest. Annualized rent equals 36% of average household income here, past the 30% affordability line, which compresses the margin any screening standard has to work with. 69% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building two streets over.

Running cool is eviction-process difficulty, at 1.5/10. At $1,020 a month, rents sit 25% under what the rest of Ocala commands.

Running hot is rent-regulation exposure at 8.4/10. Scores across the 2 constituent tracts range from 4.9 to 5.9. A 1-point internal spread means block-level underwriting beats area-level here. Among the 6 mapped neighborhoods of Ocala, it ranks #2 by risk, the upper third.

For a like-for-like read, Bahia Oaks and Carlton Arms score within a fraction of it.

Underwrite the address, not the area: with 1 points between its best and worst tract, the per-tract table below is the operative number. The number is rebuilt whenever its ACS, court-record, or statutory inputs change.