Mount Airy Historic District Eviction Risk: Moderate

The strongest single driver of the headline number is tenant-organizing strength at 8.5/10. The poverty rate is 32%, which shows up in this model as reduced rent-recovery odds after a judgment.

21% are severely burdened, paying half their income or more in rent. That cohort has no absorption capacity for an unexpected bill, and it is where non-payment filings originate. Scores across the 2 constituent tracts range from 3.8 to 5.4. A 1.6-point internal spread means block-level underwriting beats area-level here.

Running cool is eviction-process difficulty, at 2.3/10. Court records carry 2,164 eviction filings across its 2 observed tracts.

Disability prevalence reaches 44.6% against a 31.5% national average, which raises the odds a reasonable-accommodation request accompanies any dispute. SNAP participation is 25.5% of households versus 15.2% nationally.

Running hot is housing-court posture at 7.3/10. Filing activity peaked in 2003 at 26.9% of renter households.

The most recent observed rate, 4.6% in 2018, is well off that peak. Social vulnerability runs high at 7.7/10, concentrating the disaster- and displacement-exposure this model treats as a lagging risk input. Rent takes 19% of average household income, comfortably inside the 30% line and unusually low for a rental sub-market.

Underwrite the address, not the area: with 1.6 points between its best and worst tract, the per-tract table below is the operative number. The number is rebuilt whenever its ACS, court-record, or statutory inputs change.