Harbour Towne Eviction Risk: Moderate , Clearwater

32% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. Pulling hardest the other way is rent-regulation exposure at 1/10. Annualized rent equals 40% of average household income of $44,053, past the 30% affordability line, which thins the margin any screening standard has to work with.

78% 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. On the softer side, state political climate reads 1.5/10. Adults with no health insurance runs 22.9% against 11.3% nationally.

Well under the midpoint, supply constraint reads 2.4/10. The poverty rate is 19%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. Against the Pinellas County average of 3.8, this tract reads riskier for landlords by 1.0 points.

Court records carry 2,273 eviction filings across 18 observed years. Average gross rent is $1,459, 12% below the Clearwater average. The worst year on record was 2004, when 18.7% of renter households were served.

In a typical year about 12.6% of renter households face a filing.

All figures here are ACS 5-year estimates for this tract, refreshed as the underlying releases land.