Westfield Eviction Risk: Lower

At $1,044 a month, rents run 56% under what the rest of Westfield commands. The main counterweight is economic stress at 1/10.

Well under the midpoint, supply constraint reads 1/10. 24% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears.

On the high side, court filing pressure reads 8.9/10. Against Union County at 44.6%, 36% of renters here are cost-burdened.

Disability prevalence runs 18.2% against 31.5% nationally. The filing record is not thin: 2 evictions over 2 years of observation.

Inability to pay a utility bill runs 3.4% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. The worst year on record was 2016, when 0.3% of renter households were served.

This ground was mapped C ("Definitely Declining") on the 1930s HOLC security maps for Union Co. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above. In a typical year about 0.3% of renter households face a filing. That is riskier than roughly 25% of the 84,120 US census tracts in this model.

Only 18% of units are renter-occupied. Rental comparables are thin; price a renewal off the nearest genuine rental sub-market rather than off surrounding sale prices.

Tract-level figures come from the ACS 5-year release and are rebuilt whenever that, the court-record feed, or the statutory ledger behind the score changes.