Scioto Street Historic District Eviction Risk: Moderate

The strongest single driver of the headline number is tenant-organizing strength at 8.2/10. On the softer side is eviction-process difficulty, at 1.9/10. The 2 tracts inside this boundary do not behave alike. Individual scores run 3.7 to 5, a 1.3-point gap wide enough that the area average misleads on any specific address.

14% 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. Court records carry 584 eviction filings across its 2 observed tracts.

Running cool is rent-regulation exposure, at 2.5/10. The worst year on record was 2008, when filings touched 6.0% of renter households. Recent filings have not receded much: 3.6% in 2018 against a 6.0% peak.

At $876 a month, rents sit 6% under what the rest of Urbana commands. Rent takes 14% of average household income, comfortably inside the 30% line and unusually low for a rental sub-market.

34% of occupied units are renter-occupied.

Underwrite the address, not the area: with 1.3 points between its best and worst tract, the per-tract table below is the operative number. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.