Ludlow Eviction Risk: High , Yonkers

What pushes it up most is eviction-process difficulty at 9/10. 27% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. Against the Westchester County average of 7.8, this tract reads riskier for landlords by 2.1 points.

Annualized rent equals 33% of average household income of $75,114, past the 30% affordability line, which thins the margin any screening standard has to work with. Running hot, rent-regulation exposure reads 8.5/10. On the high side, housing-court posture reads 8.5/10.

SNAP participation runs 27.1% against 15.2% nationally. At $2,083 a month, rents run 17% over what the rest of Yonkers commands.

Inability to pay a utility bill runs 16.4% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. 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.

CDC social-vulnerability scoring puts the tract at 9.3/10. 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.

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.