Howland Terrace Eviction Risk: Moderate

The strongest single driver of the headline number is tenant-organizing strength at 8.6/10. Against a Niles baseline of 27.5%, 37% of renters here cross the 30%-of-income line.

The voucher gap is 24.8%: households holding assistance that local rents will not absorb, which shows up as churn rather than arrears. On the softer side is eviction-process difficulty, at 1.9/10.

The poverty rate is 18%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest. Court records for this tract carry 5 eviction filings. Sitting well above the midpoint is supply constraint at 7.5/10.

11% 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. The worst year on record was 2016, when filings touched 1.5% of renter households.

That places it #3 of 4 neighborhoods in Niles. Judgments average 0.3% of renter households a year, the share of filings that actually convert to an order.

For a like-for-like read, South Niles and Ekerts Corners score within a fraction of it. Rent takes 20% of average household income, comfortably inside the 30% line and unusually low for a rental sub-market.

One tract means one number: 4/10 applies directly to any address inside the boundary. The number is rebuilt whenever its ACS, court-record, or statutory inputs change.