Paterson Eviction Risk: High

roughly two in three of renter households cross the 30%-of-income line, far above the Passaic County average of 49.2%. Annualized rent equals 88% of average household income of $17,357, past the 30% affordability line, which thins the margin any screening standard has to work with. Adults with no health insurance runs 41.6% against 11.3% nationally.

97% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building nearby. It sits 2.6 points above the Passaic County average of 6.7. The dominant input is court filing pressure at 9.1/10.

On the softer side, supply constraint reads 1.1/10. The poverty rate is 34%, which in this model reads as reduced rent-recovery odds after a judgment. On the high side, economic stress reads 8.6/10.

Inability to pay a utility bill runs 20.5% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. Average gross rent is $1,268, 18% below the Paterson average.

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