Royal Oak Eviction Risk: Moderate

Annualized rent equals 34% of average household income of $42,778, past the 30% affordability line, which thins the margin any screening standard has to work with. This is renter territory: 69% of occupied units are tenant-occupied. Severe burden reaches 17%. Those are renters paying half their income or more, and that is where non-payment filings originate.

It sits 1.4 points above the Oakland County average of 4.0. Against Oakland County at 39.8%, 47% of renters here are cost-burdened.

Well under the midpoint, economic stress reads 2.3/10. SNAP participation runs 26.4% against 15.2% nationally.

Sitting well above the midpoint, local political climate reads 7.2/10. Average gross rent is $1,226, 11% below the Royal Oak average. Inability to pay a utility bill runs 14.3% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

In the 1930s the federal Home Owners' Loan Corporation graded this ground C ("Definitely Declining"). Redlining cut off mortgage credit to whole blocks for decades, and the areas graded D still carry measurably lower ownership and higher rent burden today. That is riskier than roughly 70% of the 84,120 US census tracts in this model. Social vulnerability reads 7.3/10 on the CDC index, a measure of exposure to housing and economic shocks.

Statewide the MI average is 4.2, so this tract runs 1.2 points hotter.

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.