Little Italy Eviction Risk: High

What pushes the score up most is tenant-organizing strength at 9.4/10. Severe burden reaches 28%. A tenant at that level absorbs no shock: one cut shift or one repair bill converts directly into arrears.

79% 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. Annualized rent equals 32% of average household income here, past the 30% affordability line, which compresses the margin any screening standard has to work with.

Running hot is housing-court posture at 8.2/10. Sitting well above the midpoint is rent-regulation exposure at 7.9/10. The poverty rate is 21%, which shows up in this model as reduced rent-recovery odds after a judgment.

14.3% 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. Food insecurity affects 26.5% of adults, 8.7 points above the national rate. Among the 10 mapped neighborhoods of Schenectady, it ranks #1 by risk, the upper third.

The closest comparables inside the same city are Vale and Hamilton Hill. Average gross rent runs $1,155, close to the Schenectady average.

Because the boundary contains one tract, 9.2/10 is simultaneously the area figure and the address-level figure. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.