Winter Haven Eviction Risk: Moderate

At $1,784 a month, rents run 43% over what the rest of Winter Haven commands. 60% of renter households cross the 30%-of-income line, well above the Polk County average of 45.8%. The voucher gap is 33.4%: households holding assistance that local rents will not absorb, which surfaces as churn rather than arrears.

The clearest offset is eviction-process difficulty at 1.3/10. Well under the midpoint, state political climate reads 1.5/10. Running hot, rent-regulation exposure reads 8.4/10.

The poverty rate is 18%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. Court records carry 510 eviction filings across 17 observed years.

Adults with no health insurance runs 18.3% against 11.3% nationally. The worst year on record was 2014, when 43.9% of renter households were served.

In a typical year about 18.7% of renter households face a filing. That is riskier than roughly 46% of the 84,120 US census tracts in this model. At 19% renter-occupied this is predominantly owner territory, and comps have to be drawn from further out.

Social vulnerability reads 9/10 on the CDC index, a measure of exposure to housing and economic shocks. Of its three components the household composition measure is the most pressured.

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