Oakland/Winchell Eviction Risk: Moderate

The dominant input is tenant-organizing strength at 9.5/10. The severe-burden share is 30%. Those renters are past the 50% mark, and they miss rent for reasons that have nothing to do with willingness to pay. On the softer side is economic stress, at 1.4/10.

Running hot is housing-court posture at 8.4/10. CDC survey data puts housing insecurity at 6.0% of adults, against 14.2% nationally. Court records for this tract carry 49 eviction filings.

3.6% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt. Filing activity peaked in 2018 at 8.2% of renter households. That places it #16 of 16 neighborhoods in Kalamazoo.

Judgments average 0.7% of renter households a year, the share of filings that actually convert to an order. At 21% renter-occupied, this is predominantly owner territory, and rental comps have to be drawn from further out. For a like-for-like read, Westnedge Hill and South Westnedge score within a fraction of it.

Against average income of $120,813, annual rent is only 11%, a wide affordability cushion. Poverty sits at 5%, low enough that arrears here usually reflect a specific shock rather than a structural income gap.

Because the boundary contains one tract, 4.5/10 is simultaneously the area figure and the address-level figure. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.