Mill Hill Eviction Risk: High , Chelsea

The severe-burden share is 32%, and it is the single best predictor in this model of a filing that actually reaches judgment. Food insecurity runs 40.1% against 17.8% nationally. Against Suffolk County at 47.0%, 59% of renters here are cost-burdened.

Running cool, supply constraint reads 1/10. Annualized rent equals 34% of average household income of $55,568, past the 30% affordability line, which thins the margin any screening standard has to work with. 72% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building nearby.

The poverty rate is 29%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. Running hot, local political climate reads 8.3/10.

It sits 1.3 points above the Suffolk County average of 7.9. Inability to pay a utility bill runs 20.8% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. At $1,560 a month, rents run 20% under what the rest of Chelsea commands.

The filing record is not thin: 298 evictions over 5 years of observation.

Tract-level figures come from the ACS 5-year release and are rebuilt whenever that, the court-record feed, or the statutory ledger behind the score changes.