Cadwalader Heights Eviction Risk: High

37% are severely burdened, paying half their income or more in rent. That cohort has no absorption capacity for an unexpected bill, and it is where non-payment filings originate. 26.2% of adults report being unable to pay a utility bill, against a 9.2% national figure. Utility arrears usually lead rent arrears by a month or two.

The poverty rate is 37%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest. The clearest offset is supply constraint, at 1/10. At $855 a month, rents sit 34% under what the rest of Trenton commands.

71% 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. On the high side is economic stress at 8.5/10.

Court records carry 4,656 eviction filings across its 2 observed tracts. Sitting well above the midpoint is rent-regulation exposure at 7.5/10.

The worst year on record was 2014, when filings touched 52.3% of renter households. 17.4% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt. Recent filings have not receded much: 41.3% in 2018 against a 52.3% peak.

With little internal variation, 8.4/10 is a fair proxy for any address inside the boundary. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.