Pine Orchard Eviction Risk: Moderate

The voucher gap is 39.6%: households holding assistance that local rents will not absorb, which shows up as churn rather than arrears. Pulling the other way is economic stress, at 1/10. At $2,744 a month, rents sit 33% over what the rest of Ellicott City commands.

Sitting well above the midpoint is supply constraint at 9/10. Disability prevalence reaches 16.1% against a 31.5% national average, which raises the odds a reasonable-accommodation request accompanies any dispute.

On the softer side is tenant-organizing strength, at 2.7/10. 3.5% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt.

That places it #6 of 11 neighborhoods in Ellicott City. At 4% renter-occupied, this is predominantly owner territory, and rental comps have to be drawn from further out. The closest comparables inside the same city are Worthington and Nob Hill.

Rent takes 15% of average household income, comfortably inside the 30% line and unusually low for a rental sub-market. Poverty sits at 2%, low enough that arrears here usually reflect a specific shock rather than a structural income gap.

One tract means one number: 4.1/10 applies directly to any address inside the boundary. The number is rebuilt whenever its ACS, court-record, or statutory inputs change.