Russell Eviction Risk: Moderate , Louisville

Set annual rent against average income of $31,739 and the ratio lands at 43%, above the conventional 30% ceiling. Well under the midpoint, rent-regulation exposure reads 1.5/10.

The poverty rate is 30%, which in this model reads as reduced rent-recovery odds after a judgment. Cost burden runs 51% here against 42.9% across Jefferson County.

It sits 1.4 points above the Jefferson County average of 4.0. The severe-burden share is 15%, and it is the single best predictor in this model of a filing that actually reaches judgment.

On the softer side, state political climate reads 2.1/10. Court records carry 972 eviction filings across 14 observed years.

At $1,126 a month, rents run 11% over what the rest of Louisville commands. The worst year on record was 2007, when 16.6% of renter households were served. 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 13.5% of renter households face a filing. On the national scale it lands near the 70th percentile of the 84,120 tracts scored. CDC social-vulnerability scoring puts the tract at 6.5/10.

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.