3 census tracts · pop 8,170 · pop-weighted Eviction Risk Score 6.7/10
· range 5.7–7.3
White Oaks is a 3-tract neighborhood of Cumberland, MD and houses 8,170 people. It carries an Eviction Risk Score of 6.7/10, in the Elevated tier. Cost burden runs 51% against 30.8% citywide, putting White Oaks 19.9% over its own city.
Severe burden reaches 25%. A tenant at that level absorbs no shock: one cut shift or one repair bill converts directly into arrears. What pushes the score up most is tenant-organizing strength at 8.4/10.
The poverty rate is 27%, which shows up in this model as reduced rent-recovery odds after a judgment. Scores across the 3 constituent tracts range from 5.7 to 7.3. A 1.6-point internal spread means block-level underwriting beats area-level here.
Running hot is housing-court posture at 7.8/10. Running cool is supply constraint, at 2.8/10. SNAP participation is 23.5% of households versus 15.2% nationally.
Among the 5 mapped neighborhoods of Cumberland, it ranks #4 by risk, the lower third. The closest comparables inside the same city are West Side and Rolling Mills. Average gross rent runs $728, close to the Cumberland average.
Annual rent works out to 21% of average household income of $41,095. 45% of occupied units are renter-occupied.
Underwrite the address, not the area: with 1.6 points between its best and worst tract, the per-tract table below is the operative number. The number is rebuilt whenever its ACS, court-record, or statutory inputs change.
Risk score
6.7
Elevated
3 tracts · population-weighted
White Oaks vs CumberlandHow this neighborhood stacks against the citywide average
Single-parent HH, disability, language barriers, age 17- / 65+
Racial/ethnic minority13%ile
Hispanic + non-white share of population
Housing & transport50%ile
Multi-unit structures, mobile homes, crowding, no vehicle
CDC PLACES 2023 · pop-weighted
Eviction-adjacent indicators in White Oaks
Average across all constituent tracts, population-weighted. Source: CDC PLACES (cwsq-ngmh) crude prevalence.
16.0%Housing insecurity
11.3%Utility shutoff threat
22.5%Food insecurity
22.6%SNAP enrollment
10.4%No health insurance
39.8%Any disability
Frequently asked
About White Oaks
Q1
What is the eviction-risk score for White Oaks?
White Oaks scores 6.7/10 (Elevated tier) across 3 census tracts. The pop-weighted Eviction Risk Score blends state law, county filing rates, parent-city politics, and tract-specific rent-to-income and poverty signals.
Q2
How does White Oaks compare to Cumberland overall?
White Oaks scores 0.8 points higher than Cumberland overall (5.9/10). Renters spend 51% of income on rent vs 31% citywide. Average rent: $728 vs $741.
Q3
What is the average rent in White Oaks?
Average gross rent in White Oaks is $728/month (pop-weighted across 3 census tracts, ACS 5-year 2023). 51% of renter households are cost-burdened.
Q4
What percentage of White Oaks residents are renters?
45% of White Oaks households are renter-occupied (vs 40% in Cumberland). The neighborhood has 8,170 residents.
Q5
Is White Oaks a high social-vulnerability area?
White Oaks sits in the 63rd percentile nationally on the CDC Social Vulnerability Index (moderately vulnerable). The index combines poverty, unemployment, household composition, racial/ethnic minority share, and housing/transportation factors across all US census tracts.
Q6
Which tracts in White Oaks have the highest eviction risk?
The highest-risk constituent tract in White Oaks is census tract 24001000700 (score 7.3/10). Across the 3 tracts in this neighborhood the score ranges from 5.7 to 7.3, a spread of 1.6 points.
Q7
How safe is White Oaks for landlords?
White Oaks carries a elevated-tier eviction-risk profile for landlords (6.7/10). Pop-weighted across 3 constituent tracts, the score blends parent-city rent-control posture, county eviction-process timelines, and tract-specific rent-to-income / poverty signals. Compared to Cumberland as a whole (5.9/10), this neighborhood is higher-risk.
Q8
What is the demographic breakdown of White Oaks?
White Oaks has 8,178 residents. Top groups: White (non-Hispanic) (90.5%), Other / Multiracial (5.6%), Hispanic / Latino (2%). Source: ACS 5-year 2023, table B03002.
