Three Points Eviction Risk: Moderate , Columbia

Housing insecurity runs 42.4% against 14.2% nationally. The severe-burden share is 33%, and it is the single best predictor in this model of a filing that actually reaches judgment.

The poverty rate is 60%, which in this model reads as reduced rent-recovery odds after a judgment. Sitting well above the midpoint, court filing pressure reads 9.8/10.

Annualized rent equals 43% of average household income of $26,458, past the 30% affordability line, which thins the margin any screening standard has to work with. 87% 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.

Disability prevalence runs 51.0% against 31.5% nationally. Well under the midpoint, rent-regulation exposure reads 1/10. Average gross rent is $944, 22% below the Columbia average.

Against the Richland County average of 4.2, this tract reads riskier for landlords by 1.0 points. The filing record is not thin: 211 evictions over 5 years of observation. Filings peaked in 2010 at 39.4% of renter households.

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.