Fox Pause Eviction Risk: Moderate

The strongest single driver of the headline number is supply constraint at 10/10. The voucher gap is 78.2%: households holding assistance that local rents will not absorb, which shows up as churn rather than arrears. Running cool is economic stress, at 1/10.

Severe burden reaches 22%. A tenant at that level absorbs no shock: one cut shift or one repair bill converts directly into arrears. 22% of renters here are cost-burdened at the 30% threshold, under the Columbia rate of 27.9%. SNAP participation is 2.9% of households versus 15.2% nationally.

Sitting well above the midpoint is tenant-organizing strength at 7.4/10. 3.1% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt.

Among the 19 mapped neighborhoods of Columbia, it ranks #13 by risk, the lower third. At 6% renter-occupied, this is predominantly owner territory, and rental comps have to be drawn from further out. For a like-for-like read, Woodleigh and Phelps Luck score within a fraction of it.

Against average income of $250,001, annual rent is only 17%, a wide affordability cushion. Poverty sits at 1%, low enough that arrears here usually reflect a specific shock rather than a structural income gap.

One tract means one number: 5.4/10 applies directly to any address inside the boundary. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.