Lockwood Gardens Eviction Risk: High , Oakland

35% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. SNAP participation runs 40.5% against 15.2% nationally. Against Alameda County at 45.5%, 62% of renters here are cost-burdened.

Sitting well above the midpoint, local political climate reads 9.7/10. On the high side, eviction-process difficulty reads 9.5/10. At $1,285 a month, rents run 35% under what the rest of Oakland commands.

Against the Alameda County average of 7.8, this tract reads riskier for landlords by 2.1 points. Annualized rent equals 34% of average household income of $45,045, past the 30% affordability line, which thins the margin any screening standard has to work with.

70% 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 22%, which in this model reads as reduced rent-recovery odds after a judgment. Inability to pay a utility bill runs 18.0% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

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. That is riskier than roughly 100% of the 84,120 US census tracts in this model. On the CDC Social Vulnerability Index the tract reads 9.9/10, which tracks how hard a shock lands on the households already here.

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