Ludlow Eviction Risk: High , Yonkers

Cost burden runs 69% here against 47.2% across Westchester County. SNAP participation runs 40.0% against 15.2% nationally.

Annualized rent equals 49% of average household income of $36,306, past the 30% affordability line, which thins the margin any screening standard has to work with. Food insecurity runs 40.5% against 17.8% nationally.

95% 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. What pushes it up most is eviction-process difficulty at 9/10. Running cool, supply constraint reads 1/10.

It sits 2.1 points above the Westchester County average of 7.8. Sitting well above the midpoint, rent-regulation exposure reads 8.5/10.

The poverty rate is 26%, which in this model reads as reduced rent-recovery odds after a judgment. Average gross rent is $1,474, 17% below the Yonkers average. In the 1930s the federal Home Owners' Loan Corporation graded this ground C ("Definitely Declining"). 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.

Tract-level figures come from the ACS 5-year release and are rebuilt whenever that, the court-record feed, or the statutory ledger behind the score changes.