The Hamlet on Olde Oyster Bay Eviction Risk: Elevated

45% of renters here are cost-burdened at the 30% threshold, markedly above the Melville rate of 34.7%. The voucher gap is 24.8%: households holding assistance that local rents will not absorb, which shows up as churn rather than arrears.

On the high side is rent-regulation exposure at 8.1/10. Sitting well above the midpoint is supply constraint at 7.5/10.

3.6% of adults report being unable to pay a utility bill, below a 9.2% national figure. Utility arrears usually lead rent arrears by a month or two. 3.7% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt. At $3,226 a month, rents sit 8% under what the rest of Melville commands.

At 2% renter-occupied, this is predominantly owner territory, and rental comps have to be drawn from further out. Against average income of $195,142, annual rent is only 20%, a wide affordability cushion. Poverty sits at 1%, low enough that arrears here usually reflect a specific shock rather than a structural income gap.

Because the boundary contains one tract, 6/10 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.