Downtown Elyria Eviction Risk: Moderate

Housing insecurity runs 41.5% against 14.2% nationally. Severe burden reaches 33%. Those are renters paying half their income or more, and that is where non-payment filings originate. The poverty rate is 52%, which in this model reads as reduced rent-recovery odds after a judgment.

Disability prevalence runs 54.7% against 31.5% nationally. This is renter territory: 87% of occupied units are tenant-occupied.

Annualized rent equals 41% of average household income of $23,967, past the 30% affordability line, which thins the margin any screening standard has to work with. Cost burden runs roughly one in two here against 40.1% across Lorain County. Well under the midpoint, supply constraint reads 1.7/10.

Sitting well above the midpoint, tenant-organizing strength reads 8.1/10. It sits 1.3 points above the Lorain County average of 4.1.

The filing record is not thin: 247 evictions over 11 years of observation. Average gross rent is $809, 11% below the Elyria average. The worst year on record was 2018, when 8.4% of renter households were served.

Tract-level figures come from the ACS 5-year release and are rebuilt whenever that, the court-record feed, or the statutory ledger behind the score changes.