St. Charles Eviction Risk: Moderate

Well under the midpoint, eviction-process difficulty reads 1.9/10. Running cool, state political climate reads 2.1/10.

SNAP participation runs 6.5% against 15.2% nationally. 9% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. The filing record is not thin: 512 evictions over 11 years of observation.

Food insecurity runs 9.4% against 17.8% nationally. Against the St. Charles County average of 3.5, this tract reads riskier for landlords by 0.7 points.

Filings peaked in 2010 at 7.3% of renter households. In a typical year about 6.8% of renter households face a filing. That is riskier than roughly 46% of the 84,120 US census tracts in this model.

On the CDC Social Vulnerability Index the tract reads 3.4/10, which tracks how hard a shock lands on the households already here. Rent consumes only 17% of average household income of $83,277, an unusually wide affordability cushion. Of its three components the housing type and transport measure is the least pressured.

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.