City Hall Historic District Eviction Risk: High

Severe burden reaches 29%. A tenant at that level absorbs no shock: one cut shift or one repair bill converts directly into arrears. Pulling the other way is supply constraint, at 1/10. 69% 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 31.7% of households versus 15.2% nationally. The poverty rate is 24%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest. At $1,300 a month, rents sit 20% under what the rest of Lowell commands.

Court records carry 1,363 eviction filings across its 4 observed tracts. Food insecurity affects 26.9% of adults, 9.1 points above the national rate. The worst year on record was 2014, when filings touched 9.5% of renter households.

The most recent observed rate, 5.7% in 2016, is well off that peak. That places it #1 of 4 neighborhoods in Lowell.

The closest comparables inside the same city are Merrimack-Middle Street Historic District and South Common Historic District. Social vulnerability runs high at 8.4/10, concentrating the disaster- and displacement-exposure this model treats as a lagging risk input.

The area figure travels well to individual addresses here, though the per-tract table below still carries the detail. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.