Diamond Historic District Eviction Risk: Moderate

What pushes the score up most is economic stress at 9.3/10. The poverty rate is 37%, which shows up in this model as reduced rent-recovery odds after a judgment. Annualized rent equals 34% of average household income here, past the 30% affordability line, which compresses the margin any screening standard has to work with.

Severe burden reaches 24%. A tenant at that level absorbs no shock: one cut shift or one repair bill converts directly into arrears. 73% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building two streets over.

Sitting well above the midpoint is tenant-organizing strength at 8.6/10. 19.0% of adults report being unable to pay a utility bill, against a 9.2% national figure. Utility arrears usually lead rent arrears by a month or two. On the softer side is eviction-process difficulty, at 1.9/10.

CDC survey data puts housing insecurity at 22.3% of adults, against 14.2% nationally. The filing record is not thin: 159 evictions logged in this tract.

The worst year on record was 2007, when filings touched 4.2% of renter households. Recent filings have not receded much: 4.6% in 2016 against a 4.2% peak.

Because the boundary contains one tract, 5.4/10 is simultaneously the area figure and the address-level figure. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.