Toledo Eviction Risk: Moderate

Severe burden reaches 28%. Those are renters paying half their income or more, and that is where non-payment filings originate. What pushes it up most is court filing pressure at 8.9/10.

The poverty rate is 34%, which in this model reads as reduced rent-recovery odds after a judgment. Well under the midpoint, rent-regulation exposure reads 1.5/10. Set annual rent against average income of $38,478 and the ratio lands at 32%, above the conventional 30% ceiling.

67% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building nearby. Sitting well above the midpoint, economic stress reads 8.5/10. SNAP participation runs 29.7% against 15.2% nationally.

It sits 1.2 points above the Lucas County average of 4.2. Inability to pay a utility bill runs 18.0% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

At $1,034 a month, rents run 15% over what the rest of Toledo commands. This ground was mapped B ("Still Desirable") on the 1930s HOLC security maps for Toledo. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above. Nationally it ranks #24,859 of 84,120 for landlord eviction difficulty.

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.