Mosher Eviction Risk: Elevated

Annualized rent equals 46% of average household income here, past the 30% affordability line, which compresses the margin any screening standard has to work with. The severe-burden share is 32%. Those renters are past the 50% mark, and they miss rent for reasons that have nothing to do with willingness to pay. The clearest offset is supply constraint, at 1.5/10.

66% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building two streets over. SNAP participation is 33.1% of households versus 15.2% nationally. 19.1% of adults report being unable to pay a utility bill, against a 9.2% national figure. Utility arrears usually lead rent arrears by a month or two.

The poverty rate is 19%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest. That places it #65 of 157 neighborhoods in Baltimore. The closest comparables inside the same city are Better Waverly and Rognel Heights.

Social vulnerability runs high at 9.3/10, concentrating the disaster- and displacement-exposure this model treats as a lagging risk input. Average gross rent runs $1,269, close to the Baltimore average.

Because the boundary contains one tract, 7.4/10 is simultaneously the area figure and the address-level figure. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.