Granite City Eviction Risk: Moderate

Set annual rent against average income of $37,763 and the ratio lands at 33%, above the conventional 30% ceiling. Average gross rent is $1,047, 26% above the Granite City average. The poverty rate is 22%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest.

Court records carry 449 eviction filings across 11 observed years. Housing insecurity runs 21.6% against 14.2% nationally. It sits 0.6 points above the Madison County average of 4.8.

Inability to pay a utility bill runs 14.7% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. Filings peaked in 2010 at 8.6% of renter households. 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.

In a typical year about 6.4% of renter households face a filing. On the national scale it lands near the 70th percentile of the 84,120 tracts scored. Social vulnerability reads 9.4/10 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. 46% of renter households spend at least 30% of income on rent.

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