Yellow Springs Historic District Eviction Risk: Lower

The clearest offset is economic stress, at 1.6/10. 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.

On the softer side is eviction-process difficulty, at 1.8/10. Court records for this tract carry 42 eviction filings. CDC survey data puts housing insecurity at 6.5% of adults, against 14.2% nationally.

On the high side is tenant-organizing strength at 7.3/10. Filing activity peaked in 2011 at 1.9% of renter households. 5.0% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt.

Recent filings have not receded much: 1.2% in 2018 against a 1.9% peak. Against average income of $71,406, annual rent is only 14%, a wide affordability cushion. Poverty sits at 7%, low enough that arrears here usually reflect a specific shock rather than a structural income gap.

Average gross rent runs $849, close to the Yellow Springs average. 36% of occupied units are renter-occupied.

Because the boundary contains one tract, 3.9/10 is simultaneously the area figure and the address-level figure. The number is rebuilt whenever its ACS, court-record, or statutory inputs change.