Jackson Oaks Eviction Risk: Moderate , Rockford

Food insecurity runs 53.4% against 17.8% nationally. The severe-burden share is 34%, and it is the single best predictor in this model of a filing that actually reaches judgment. The poverty rate is 59%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest.

Set annual rent against average income of $22,417 and the ratio lands at 44%, above the conventional 30% ceiling. 79% 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.

Inability to pay a utility bill runs 27.4% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. Cost burden runs 54% here against 44.4% across Winnebago County. On the softer side, rent-regulation exposure reads 2/10.

Well under the midpoint, supply constraint reads 2/10. Against the Winnebago County average of 4.3, this tract reads riskier for landlords by 1.1 points. At $822 a month, rents run 17% under what the rest of Rockford commands.

In the 1930s the federal Home Owners' Loan Corporation graded this ground D ("Hazardous"). Redlining cut off mortgage credit to whole blocks for decades, and the areas graded D still carry measurably lower ownership and higher rent burden today. On the national scale it lands near the 70th percentile of the 84,120 tracts scored.

Social vulnerability reads 9.9/10 on the CDC index, a measure of exposure to housing and economic shocks.

All figures here are ACS 5-year estimates for this tract, refreshed as the underlying releases land.