St. Charles Eviction Risk: Lower

26% of renter households cross the 30%-of-income line, markedly below the St. Charles County average of 36.4%. This is renter territory: 67% of occupied units are tenant-occupied.

On the softer side, rent-regulation exposure reads 1.9/10. Running cool, eviction-process difficulty reads 1.9/10. SNAP participation runs 5.2% against 15.2% nationally.

The voucher gap is 17.0%: households holding assistance that local rents will not absorb, which surfaces as churn rather than arrears. Food insecurity runs 8.3% against 17.8% nationally.

Court records carry 486 eviction filings across 11 observed years. Average gross rent is $1,421, 14% above the St. Charles average. Filings peaked in 2017 at 5.6% of renter households.

In a typical year about 5.3% of renter households face a filing. That is riskier than roughly 35% of the 84,120 US census tracts in this model. Social vulnerability reads 2/10 on the CDC index, a measure of exposure to housing and economic shocks.

Of its three components the household composition measure is the least pressured. Poverty sits at 4%, low enough that arrears here usually signal a specific shock rather than a structural income gap. It tracks the St. Charles County average of 3.5 closely.

All figures here are ACS 5-year estimates for this tract, refreshed as the underlying releases land.