White Oaks Eviction Risk: Elevated , Cumberland

The score leans hardest on court filing pressure at 9.1/10. The poverty rate is 36%, which in this model reads as reduced rent-recovery odds after a judgment.

On the high side, economic stress reads 8.9/10. Set annual rent against average income of $28,508 and the ratio lands at 37%, above the conventional 30% ceiling. 24% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears.

It sits 1.8 points above the Allegany County average of 5.5. Running hot, tenant-organizing strength reads 8.4/10. Food insecurity runs 29.3% against 17.8% nationally.

At $883 a month, rents run 19% over what the rest of Cumberland commands. Inability to pay a utility bill runs 15.0% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. Nationally it ranks #11,153 of 84,120 for landlord eviction difficulty.

Social vulnerability reads 6.3/10 on the CDC index, a measure of exposure to housing and economic shocks. Statewide the MD average is 5.5, so this tract runs 1.8 points hotter.

Of its three components the socioeconomic standing 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.