Ludlow Eviction Risk: High , Yonkers

64% of renter households cross the 30%-of-income line, well above the Westchester County average of 47.2%. The score leans hardest on economic stress at 10/10. At $676 a month, rents run 62% under what the rest of Yonkers commands.

SNAP participation runs 65.8% against 15.2% nationally. The poverty rate is 75%, which in this model reads as reduced rent-recovery odds after a judgment. Inability to pay a utility bill runs 32.5% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

98% 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. Annualized rent equals 44% of average household income of $18,445, past the 30% affordability line, which thins the margin any screening standard has to work with. Sitting well above the midpoint, eviction-process difficulty reads 9/10.

Against the Westchester County average of 7.8, this tract reads riskier for landlords by 2.1 points. Running cool, supply constraint reads 1/10.

In the 1930s the federal Home Owners' Loan Corporation graded this ground D ("Hazardous"). 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.

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