Central Square Historic District Eviction Risk: Moderate

The severe-burden share is 31%. Those renters are past the 50% mark, and they miss rent for reasons that have nothing to do with willingness to pay. The main counterweight is economic stress, at 1.3/10.

Well under the midpoint is supply constraint, at 1.9/10. The 4 tracts inside this boundary do not behave alike. Individual scores run 5.1 to 6.6, a 1.5-point gap wide enough that the area average misleads on any specific address. Court records carry 171 eviction filings across its 4 observed tracts.

3.2% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt. Food insecurity affects 7.8% of adults, 10.0 points below the national rate.

At $1,777 a month, rents sit 13% under what the rest of Stoneham commands. Filing activity peaked in 2014 at 3.3% of renter households. The most recent observed rate, 1.5% in 2016, is well off that peak.

At 23% renter-occupied, this is predominantly owner territory, and rental comps have to be drawn from further out.

Underwrite the address, not the area: with 1.5 points between its best and worst tract, the per-tract table below is the operative number. The number is rebuilt whenever its ACS, court-record, or statutory inputs change.