East Ferry Eviction Risk: High

The dominant input is rent-regulation exposure at 9/10. 79% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building two streets over. Severe burden reaches 26%. A tenant at that level absorbs no shock: one cut shift or one repair bill converts directly into arrears.

Annualized rent equals 34% of average household income here, past the 30% affordability line, which compresses the margin any screening standard has to work with. 27.2% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt. On the high side is eviction-process difficulty at 8.5/10.

Food insecurity affects 33.0% of adults, 15.2 points above the national rate. Internally this is not one market. Tract scores span 8.6 to 9.9, so two buildings inside the same boundary can carry materially different risk.

Running hot is tenant-organizing strength at 8/10. Filings are well documented here: 3,929 across 7 observed tracts. The poverty rate is 17%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest.

Underwrite the address, not the area: with 1.3 points between its best and worst tract, the per-tract table below is the operative number. The number is rebuilt whenever its ACS, court-record, or statutory inputs change.