The Flats Eviction Risk: High , Holyoke

35% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. Housing insecurity runs 51.0% against 14.2% nationally.

Food insecurity runs 66.4% against 17.8% nationally. The poverty rate is 71%, which in this model reads as reduced rent-recovery odds after a judgment.

Annualized rent equals 49% of average household income of $21,418, past the 30% affordability line, which thins the margin any screening standard has to work with. Cost burden runs 62% here against 46.5% across Hampden County. This is renter territory: 96% of occupied units are tenant-occupied.

Sitting well above the midpoint, tenant-organizing strength reads 9.6/10. It sits 2.2 points above the Hampden County average of 5.8.

On the softer side, supply constraint reads 1/10. At $873 a month, rents run 14% under what the rest of Holyoke commands.

This ground was mapped D ("Hazardous") on the 1930s HOLC security maps for Holyoke Chicopee. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above.

These are ACS 5-year estimates; the score moves when the ACS, court-record, or statute inputs behind it move.