Holaday Hills and Dales Eviction Risk: Lower

The main counterweight is economic stress, at 1/10. On the softer side is eviction-process difficulty, at 2.1/10. CDC survey data puts housing insecurity at 5.1% of adults, against 14.2% nationally.

At $1,423 a month, rents sit 17% under what the rest of Carmel commands. The filing record is not thin: 2 evictions logged in this tract. 3.7% of adults report being unable to pay a utility bill, below a 9.2% national figure. Utility arrears usually lead rent arrears by a month or two.

Filing activity peaked in 2011 at 1.1% of renter households. The voucher gap is 10.9%: households holding assistance that local rents will not absorb, which shows up as churn rather than arrears. That places it #4 of 8 neighborhoods in Carmel.

Judgments average 1.1% of renter households a year, the share of filings that actually convert to an order. At 22% renter-occupied, this is predominantly owner territory, and rental comps have to be drawn from further out.

The closest comparables inside the same city are Grannan Grove and Huntington Chase. Against average income of $119,583, annual rent is only 14%, a wide affordability cushion.

Because the boundary contains one tract, 3/10 is simultaneously the area figure and the address-level figure. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.