First Ward Eviction Risk: High

Severe burden reaches 29%. A tenant at that level absorbs no shock: one cut shift or one repair bill converts directly into arrears. Internally this is not one market. Tract scores span 6.4 to 9.3, so two buildings inside the same boundary can carry materially different risk.

The poverty rate is 35%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest. The strongest single driver of the headline number is economic stress at 7.5/10.

SNAP participation is 29.3% of households versus 15.2% nationally. On the softer side is supply constraint, at 2.5/10.

Running hot is eviction-process difficulty at 7.1/10. Food insecurity affects 27.0% of adults, 9.2 points above the national rate. Among the 6 mapped neighborhoods of Binghamton, it ranks #4 by risk, the lower third.

For a like-for-like read, Eastside and Southside score within a fraction of it. Social vulnerability runs high at 7.7/10, concentrating the disaster- and displacement-exposure this model treats as a lagging risk input.

Average gross rent runs $896, close to the Binghamton average. Annual rent works out to 25% of average household income of $43,164. 62% of occupied units are renter-occupied.

Underwrite the address, not the area: with 2.9 points between its best and worst tract, the per-tract table below is the operative number. The number is rebuilt whenever its ACS, court-record, or statutory inputs change.