Cloverdale Historic District Eviction Risk: Moderate , Montgomery

The poverty rate is 38%, which in this model reads as reduced rent-recovery odds after a judgment. Well under the midpoint, rent-regulation exposure reads 1/10. This is renter territory: 70% of occupied units are tenant-occupied.

Running hot, court filing pressure reads 8.6/10. 18% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears.

Against the Montgomery County average of 4.0, this tract reads riskier for landlords by 1.0 points. Housing insecurity runs 23.4% against 14.2% nationally. The filing record is not thin: 255 evictions over 9 years of observation.

Inability to pay a utility bill runs 17.0% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. Average gross rent is $980, 10% below the Montgomery average. Filings peaked in 2008 at 8.9% of renter households.

In the 1930s the federal Home Owners' Loan Corporation graded this ground C ("Definitely Declining"). 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 5.7% of renter households face a filing.

On the national scale it lands near the 61st percentile of the 84,120 tracts scored.

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.