Mont Pleasant Eviction Risk: High , Schenectady

The score leans hardest on economic stress at 10/10. SNAP participation runs 48.9% against 15.2% nationally.

Severe burden reaches 34%. Those are renters paying half their income or more, and that is where non-payment filings originate. The poverty rate is 45%, which in this model reads as reduced rent-recovery odds after a judgment.

It sits 2.6 points above the Schenectady County average of 6.6. On the high side, tenant-organizing strength reads 9.4/10.

Set annual rent against average income of $39,697 and the ratio lands at 33%, above the conventional 30% ceiling. Inability to pay a utility bill runs 24.6% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. This is renter territory: 67% of occupied units are tenant-occupied.

Running hot, housing-court posture reads 8.2/10. In the 1930s the federal Home Owners' Loan Corporation graded this ground D ("Hazardous"). Redlining cut off mortgage credit to whole blocks for decades, and the areas graded D still carry measurably lower ownership and higher rent burden today. That is riskier than roughly 96% of the 84,120 US census tracts in this model.

On the CDC Social Vulnerability Index the tract reads 9.2/10, which tracks how hard a shock lands on the households already here. Statewide the NY average is 7.7, so this tract runs 1.5 points hotter.

All figures here are ACS 5-year estimates for this tract, refreshed as the underlying releases land.