Ludlow Eviction Risk: Moderate

The score leans hardest on court filing pressure at 8.7/10. Running cool, state political climate reads 2.1/10.

The poverty rate is 23%, which in this model reads as reduced rent-recovery odds after a judgment. It sits 1.3 points above the Kenton County average of 3.8. 14% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears.

Well under the midpoint, eviction-process difficulty reads 2.3/10. Average gross rent is $1,101, 11% below the Ludlow average.

This ground was mapped C ("Definitely Declining") on the 1930s HOLC security maps for Covington. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above. That is riskier than roughly 63% of the 84,120 US census tracts in this model.

Social vulnerability reads 7.1/10 on the CDC index, a measure of exposure to housing and economic shocks. Statewide the KY average is 3.9, so this tract runs 1.2 points hotter. Of its three components the housing type and transport measure is the most pressured.

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