Austin Cove Eviction Risk: Lower

The strongest single driver of the headline number is supply constraint at 9.3/10. At $1,507 a month, rents sit 37% over what the rest of Lafayette commands.

On the softer side is rent-regulation exposure, at 1/10. Running cool is economic stress, at 1/10. roughly one in three of renters spend 30% or more of household income on rent.

12% are severely burdened, paying half their income or more in rent. That cohort has no absorption capacity for an unexpected bill, and it is where non-payment filings originate. 3.6% 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. 3.8% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt.

That places it #5 of 6 neighborhoods in Lafayette. At 17% renter-occupied, this is predominantly owner territory, and rental comps have to be drawn from further out. Rent takes 15% of average household income, comfortably inside the 30% line and unusually low for a rental sub-market.

Poverty sits at 3%, low enough that arrears here usually reflect a specific shock rather than a structural income gap. The 2 tracts here are tightly clustered, 0 points apart at the extremes.

With little internal variation, 3/10 is a fair proxy for any address inside the boundary. The number is rebuilt whenever its ACS, court-record, or statutory inputs change.