Spencer Eviction Risk: Lower

Against a New Lenox baseline of 31.1%, 83% of renters here cross the 30%-of-income line. The main counterweight is economic stress, at 1/10. Average gross rent is $1,907, 33% above the New Lenox average of $1,431.

Well under the midpoint is tenant-organizing strength, at 2.7/10. Food insecurity affects 7.7% of adults, 10.1 points below the national rate. 5.3% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt.

At 4% renter-occupied, this is predominantly owner territory, and rental comps have to be drawn from further out. Rent takes 17% of average household income, comfortably inside the 30% line and unusually low for a rental sub-market. Poverty sits at 2%, 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, 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.