Upper Worthington Historic District Eviction Risk: Elevated

Cost burden runs 46% against 35.3% citywide, putting Upper Worthington Historic District 10.9% over its own city. This is a renter market: 67% of occupied units are tenant-occupied.

The severe-burden share is 18%. Those renters are past the 50% mark, and they miss rent for reasons that have nothing to do with willingness to pay. The poverty rate is 24%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest. The 3 tracts inside this boundary do not behave alike. Individual scores run 6.6 to 7.9, a 1.3-point gap wide enough that the area average misleads on any specific address.

The dominant input is eviction-process difficulty at 7/10. Running hot is housing-court posture at 7/10.

18.8% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt. Among the 13 mapped neighborhoods of Springfield, it ranks #6 by risk, the middle third.

Social vulnerability runs high at 8.7/10, concentrating the disaster- and displacement-exposure this model treats as a lagging risk input. Average gross rent runs $1,119, close to the Springfield average. Annual rent works out to 28% of average household income of $48,522.

Underwrite the address, not the area: with 1.3 points between its best and worst tract, the per-tract table below is the operative number. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.