North Pelham Eviction Risk: High , New Rochelle

The severe-burden share is 32%, and it is the single best predictor in this model of a filing that actually reaches judgment. The score leans hardest on tenant-organizing strength at 9/10. On the softer side, supply constraint reads 1/10.

Annualized rent equals 35% of average household income of $55,915, past the 30% affordability line, which thins the margin any screening standard has to work with. Against the Westchester County average of 7.8, this tract reads riskier for landlords by 1.7 points. On the high side, local political climate reads 8.5/10.

65% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building nearby. At $1,610 a month, rents run 16% under what the rest of New Rochelle commands. Food insecurity runs 26.1% against 17.8% nationally.

Adults with no health insurance runs 18.3% against 11.3% nationally. This ground was mapped D ("Hazardous") 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. Nationally it ranks #2,657 of 84,120 for landlord eviction difficulty.

Social vulnerability reads 9.3/10 on the CDC index, a measure of exposure to housing and economic shocks. Statewide the NY average is 7.7, so this tract runs 1.8 points hotter.

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