Southeast Eviction Risk: Moderate , South Bend

33% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. The poverty rate is 60%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest.

Annualized rent equals 41% of average household income of $32,344, past the 30% affordability line, which thins the margin any screening standard has to work with. Inability to pay a utility bill runs 28.5% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

Housing insecurity runs 33.3% against 14.2% nationally. On the softer side, rent-regulation exposure reads 1/10. On the high side, court filing pressure reads 8.2/10.

Cost burden runs 46% here against 41.2% across St. Joseph County. Court records carry 61 eviction filings across 1 observed years.

Against the St. Joseph County average of 3.8, this tract reads riskier for landlords by 0.8 points. Filings peaked in 2015 at 27.5% 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 27.5% of renter households face a filing. That is riskier than roughly 53% of the 84,120 US census tracts in this model.

Tract-level figures come from the ACS 5-year release and are rebuilt whenever that, the court-record feed, or the statutory ledger behind the score changes.