Raritan Gardens Eviction Risk: High

Scores across the 5 constituent tracts range from 6.3 to 9.7. A 3.4-point internal spread means block-level underwriting beats area-level here. 47% of renters here are cost-burdened at the 30% threshold, clearly above the New Brunswick rate of 35.2%. The severe-burden share is 28%. Those renters are past the 50% mark, and they miss rent for reasons that have nothing to do with willingness to pay.

This is a renter market: 76% of occupied units are tenant-occupied. The poverty rate is 26%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest.

Sitting well above the midpoint is housing-court posture at 7.2/10. Court records carry 695 eviction filings across its 5 observed tracts.

Filing activity peaked in 2015 at 27.2% of renter households. 17.3% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt.

Judgments average 0.1% of renter households a year, the share of filings that actually convert to an order. Social vulnerability runs high at 7.8/10, concentrating the disaster- and displacement-exposure this model treats as a lagging risk input.

Average gross rent runs $1,805, close to the New Brunswick average. Annual rent works out to 29% of average household income of $75,165.

For a specific building, read the per-tract breakdown below rather than the 8.8 headline, because the internal range is too wide to average safely. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.