Paterson Eviction Risk: High

Against the Passaic County average of 6.7, this tract reads riskier for landlords by 2.6 points. What pushes it up most is court filing pressure at 9.1/10.

Adults with no health insurance runs 30.0% against 11.3% nationally. This is renter territory: 79% of occupied units are tenant-occupied.

Set annual rent against average income of $54,524 and the ratio lands at 36%, above the conventional 30% ceiling. Severe burden reaches 22%. Those are renters paying half their income or more, and that is where non-payment filings originate. On the high side, rent-regulation exposure reads 8/10.

The poverty rate is 26%, which in this model reads as reduced rent-recovery odds after a judgment. Sitting well above the midpoint, local political climate reads 7.5/10. Inability to pay a utility bill runs 19.1% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

Nationally it ranks #3,082 of 84,120 for landlord eviction difficulty. Social vulnerability reads 8.7/10 on the CDC index, a measure of exposure to housing and economic shocks.

Statewide the NJ average is 6.0, so this tract runs 3.3 points hotter. Of its three components the socioeconomic standing measure is the most pressured.

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