Milton-Montford Eviction Risk: High , Baltimore

Food insecurity runs 49.7% against 17.8% nationally. Running hot, economic stress reads 9.9/10. The poverty rate is 40%, which in this model reads as reduced rent-recovery odds after a judgment.

The severe-burden share is 27%, and it is the single best predictor in this model of a filing that actually reaches judgment. Inability to pay a utility bill runs 28.8% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. Annualized rent equals 40% of average household income of $36,862, past the 30% affordability line, which thins the margin any screening standard has to work with.

Sitting well above the midpoint, regional political climate reads 8.8/10. 42% of renter households cross the 30%-of-income line, below the Baltimore City average of 50.2%.

Against the Baltimore City average of 6.8, this tract reads riskier for landlords by 1.2 points. Average gross rent is $1,221, 8% below the Baltimore average.

In the 1930s the federal Home Owners' Loan Corporation graded this ground C ("Definitely Declining"). Redlining cut off mortgage credit to whole blocks for decades, and the areas graded D still carry measurably lower ownership and higher rent burden today. On the national scale it lands near the 91st percentile of the 84,120 tracts scored. Social vulnerability reads 9.4/10 on the CDC index, a measure of exposure to housing and economic shocks.

Statewide the MD average is 5.5, so this tract runs 2.5 points hotter.

Tract-level figures come from the ACS 5-year release and are rebuilt whenever that, the court-record feed, or the statutory ledger behind the score changes.