Paterson Eviction Risk: High

Set annual rent against average income of $23,819 and the ratio lands at 52%, above the conventional 30% ceiling. SNAP participation runs 41.7% against 15.2% nationally.

The poverty rate is 47%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. 31% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears.

Against the Passaic County average of 6.7, this tract reads riskier for landlords by 2.6 points. 95% 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.

Running hot, court filing pressure reads 9.1/10. Average gross rent is $1,040, 33% below the Paterson average. Well under the midpoint, supply constraint reads 1/10.

Inability to pay a utility bill runs 24.5% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. Court records carry 1,441 eviction filings across 5 observed years.

The worst year on record was 2018, when 26.2% of renter households were served. In a typical year about 24.6% of renter households face a filing.

On the national scale it lands near the 96th percentile of the 84,120 tracts scored. On the CDC Social Vulnerability Index the tract reads 10/10, which tracks how hard a shock lands on the households already here. Statewide the NJ average is 6.0, so this tract runs 3.3 points hotter.

These are ACS 5-year estimates; the score moves when the ACS, court-record, or statute inputs behind it move.