Ensley Eviction Risk: Moderate , Birmingham

Food insecurity runs 44.8% against 17.8% nationally. The clearest offset is rent-regulation exposure at 1/10.

The severe-burden share is 26%, and it is the single best predictor in this model of a filing that actually reaches judgment. 79% 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.

The poverty rate is 33%, which in this model reads as reduced rent-recovery odds after a judgment. Annualized rent equals 33% of average household income of $30,841, past the 30% affordability line, which thins the margin any screening standard has to work with. Running cool, supply constraint reads 1.7/10.

Well under the midpoint, state political climate reads 1.8/10. At $852 a month, rents run 23% under what the rest of Birmingham commands. It sits 1.1 points above the Jefferson County average of 4.3.

Court records carry 245 eviction filings across 11 observed years. Filings peaked in 2012 at 14.0% 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 5.5% of renter households face a filing.

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.