Trotwood Eviction Risk: Moderate

What pushes it up most is tenant-organizing strength at 8.2/10. The poverty rate is 31%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. 20% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears.

Inability to pay a utility bill runs 22.9% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. Housing insecurity runs 27.3% against 14.2% nationally.

Sitting well above the midpoint, economic stress reads 7.8/10. Against the Montgomery County average of 4.2, this tract reads riskier for landlords by 1.4 points. Cost burden runs 49% here against 42.9% across Montgomery County.

Running hot, court filing pressure reads 7.7/10. Court records carry 280 eviction filings across 17 observed years. Average gross rent is $889, 14% below the Trotwood average.

Filings peaked in 2005 at 14.9% of renter households. In the 1930s the federal Home Owners' Loan Corporation graded this ground D ("Hazardous"). Redlining cut off mortgage credit to whole blocks for decades, and the areas graded D still carry measurably lower ownership and higher rent burden today. In a typical year about 6.3% of renter households face a filing.

These are ACS 5-year estimates; the score moves when the ACS, court-record, or statute inputs behind it move.