Ludlow Eviction Risk: High

The severe-burden share is 33%. Those renters are past the 50% mark, and they miss rent for reasons that have nothing to do with willingness to pay. This is a renter market: 88% of occupied units are tenant-occupied. The strongest single driver of the headline number is eviction-process difficulty at 9/10.

Annualized rent equals 36% of average household income here, past the 30% affordability line, which compresses the margin any screening standard has to work with. On the high side is rent-regulation exposure at 8.5/10.

Sitting well above the midpoint is housing-court posture at 8.5/10. Food insecurity affects 34.4% of adults, 16.6 points above the national rate. Scores across the 7 constituent tracts range from 8.4 to 9.9. A 1.5-point internal spread means block-level underwriting beats area-level here.

The poverty rate is 23%, which shows up in this model as reduced rent-recovery odds after a judgment. 18.0% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt. Average gross rent is $1,614, 10% below the Yonkers average of $1,784.

Among the 17 mapped neighborhoods of Yonkers, it ranks #5 by risk, the upper third. For a like-for-like read, Glenwood and Lincoln score within a fraction of it.

For a specific building, read the per-tract breakdown below rather than the 9.8 headline, because the internal range is too wide to average safely. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.