Cloverdale Eviction Risk: Moderate

The strongest single driver of the headline number is tenant-organizing strength at 8.9/10. Well under the midpoint is supply constraint, at 1.1/10. Severe burden reaches 16%. A tenant at that level absorbs no shock: one cut shift or one repair bill converts directly into arrears.

At $809 a month, rents sit 19% under what the rest of Statesville commands. Running cool is eviction-process difficulty, at 2.4/10.

The poverty rate is 19%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest. Court records carry 1,341 eviction filings across its 3 observed tracts.

The worst year on record was 2003, when filings touched 27.9% of renter households. The most recent observed rate, 14.4% in 2005, is well off that peak. Social vulnerability runs high at 8.6/10, concentrating the disaster- and displacement-exposure this model treats as a lagging risk input.

Against average income of $52,076, annual rent is only 19%, a wide affordability cushion. Its 3 tracts score within 0.8 points of one another, so the area figure travels well to individual addresses.

43% of occupied units are renter-occupied.

With little internal variation, 5.5/10 is a fair proxy for any address inside the boundary. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.