Edgewater Eviction Risk: Moderate , South Bend

At $1,399 a month, rents run 35% over what the rest of South Bend commands. The voucher gap is 27.8%: households holding assistance that local rents will not absorb, which surfaces as churn rather than arrears.

Severe burden reaches 21%. Those are renters paying half their income or more, and that is where non-payment filings originate. 68% 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 high side, court filing pressure reads 8.2/10. Running cool, state political climate reads 2/10.

The poverty rate is 24%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. 48% of renter households cross the 30%-of-income line, above the St. Joseph County average of 41.2%. The filing record is not thin: 21 evictions over 1 years of observation.

Filings peaked in 2015 at 5.2% of renter households. In the 1930s the federal Home Owners' Loan Corporation graded this ground C ("Definitely Declining"). 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 5.2% of renter households face a filing. On the national scale it lands near the 47th percentile of the 84,120 tracts scored.

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