Frear Park Eviction Risk: High

What pushes the score up most is economic stress at 10/10. Severe burden reaches 36%. A tenant at that level absorbs no shock: one cut shift or one repair bill converts directly into arrears.

The poverty rate is 46%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest. On the high side is tenant-organizing strength at 9.7/10.

Set annual rent against average household income of $36,250 and the ratio lands at 37%, above the conventional 30% ceiling. 77% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building two streets over.

19.3% of adults report being unable to pay a utility bill, against a 9.2% national figure. Utility arrears usually lead rent arrears by a month or two. CDC survey data puts housing insecurity at 26.0% of adults, against 14.2% nationally. Running hot is housing-court posture at 7.8/10.

Among the 12 mapped neighborhoods of Troy, it ranks #1 by risk, the upper third. For a like-for-like read, Hillview Heights and Sycaway score within a fraction of it. Social vulnerability runs high at 9/10, concentrating the disaster- and displacement-exposure this model treats as a lagging risk input.

One tract means one number: 9.8/10 applies directly to any address inside the boundary. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.