Garfield Eviction Risk: Elevated

Severe burden reaches 28%. Those are renters paying half their income or more, and that is where non-payment filings originate. On the softer side, economic stress reads 1/10. Sitting well above the midpoint, court filing pressure reads 7.9/10.

Against the Bergen County average of 6.3, this tract reads riskier for landlords by 1.1 points. 41% of renter households cross the 30%-of-income line, below the Bergen County average of 46.6%.

This ground was mapped C ("Definitely Declining") on the 1930s HOLC security maps for Bergen Co. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above. Nationally it ranks #10,727 of 84,120 for landlord eviction difficulty. On the CDC Social Vulnerability Index the tract reads 2.9/10, which tracks how hard a shock lands on the households already here.

Statewide the NJ average is 6.0, so this tract runs 1.4 points hotter. 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. Average gross rent is $1,689, close to the Garfield average. Annual rent works out to 23% of average household income of $86,434.

42% of occupied units are renter-occupied.

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