Lowerre Eviction Risk: High , Yonkers

What pushes it up most is eviction-process difficulty at 9/10. Running cool, supply constraint reads 1/10. Against the Westchester County average of 7.8, this tract reads riskier for landlords by 2.1 points.

Housing insecurity runs 30.2% against 14.2% nationally. Sitting well above the midpoint, rent-regulation exposure reads 8.5/10. 17% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears.

40% of renter households cross the 30%-of-income line, lower than the Westchester County average of 47.2%. The poverty rate is 19%, which in this model reads as reduced rent-recovery odds after a judgment.

Inability to pay a utility bill runs 17.1% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. At $1,603 a month, rents run 10% under what the rest of Yonkers commands.

This ground was mapped C ("Definitely Declining") on the 1930s HOLC security maps for Lower Westchester Co. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above. That is riskier than roughly 100% of the 84,120 US census tracts in this model.

Social vulnerability reads 9.5/10 on the CDC index, a measure of exposure to housing and economic shocks. Statewide the NY average is 7.7, so this tract runs 2.2 points hotter. Of its three components the housing type and transport measure is the most pressured.

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