Rockford Eviction Risk: Moderate

Set annual rent against average income of $34,148 and the ratio lands at 39%, above the conventional 30% ceiling. The clearest offset is rent-regulation exposure at 2/10. The poverty rate is 26%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest.

It sits 1.1 points above the Winnebago County average of 4.3. Food insecurity runs 27.7% against 17.8% nationally.

Well under the midpoint, tenant-organizing strength reads 3/10. Average gross rent is $1,104, 12% above the Rockford average. Inability to pay a utility bill runs 14.3% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

This ground was mapped D ("Hazardous") on the 1930s HOLC security maps for Rockford. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above. On the national scale it lands near the 70th percentile of the 84,120 tracts scored. Only 25% of units are renter-occupied. Rental comparables are thin; price a renewal off the nearest genuine rental sub-market rather than off surrounding sale prices.

Statute speed, court posture and rent-regulation exposure are inherited from Rockford rather than measured on these blocks; the economic and supply components are the tract-level part of the score. Social vulnerability reads 7.5/10 on the CDC index, a measure of exposure to housing and economic shocks. Of its three components the socioeconomic standing measure is the most pressured.

42% of renter households spend at least 30% of income on rent.

These are ACS 5-year estimates; the score moves when the ACS, court-record, or statute inputs behind it move.