Montclair Eviction Risk: Moderate , Oakland

The clearest offset is economic stress at 1/10. The voucher gap is 30.5%: households holding assistance that local rents will not absorb, which surfaces as churn rather than arrears.

Well under the midpoint, rent-regulation exposure reads 1.8/10. Sitting well above the midpoint, regional political climate reads 8.1/10.

Adults with no health insurance runs 2.3% against 11.3% nationally. Inability to pay a utility bill runs 2.4% 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 A ("Best"). 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.

Nationally it ranks #37,882 of 84,120 for landlord eviction difficulty. At 6% renter-occupied this is predominantly owner territory, and comps have to be drawn from further out. Social vulnerability reads 1.6/10 on the CDC index, a measure of exposure to housing and economic shocks.

Against average income of $250,001, annual rent is just 17%. Statewide the CA average is 7.5, so this tract runs 2.8 points cooler.

Of its three components the socioeconomic standing measure is the least pressured.

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