Russell Eviction Risk: Moderate , Louisville

79% of renter households cross the 30%-of-income line, well clear of the Jefferson County average of 42.9%. Annualized rent equals 80% of average household income of $12,170, past the 30% affordability line, which thins the margin any screening standard has to work with. What pushes it up most is economic stress at 10/10.

The poverty rate is 72%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. This is renter territory: 97% of occupied units are tenant-occupied. Running hot, court filing pressure reads 9.2/10.

Well under the midpoint, supply constraint reads 1.1/10. It sits 1.4 points above the Jefferson County average of 4.0.

At $810 a month, rents run 20% under what the rest of Louisville commands. Court records carry 8,221 eviction filings across 14 observed years.

Filings peaked in 2005 at 60.9% of renter households. This ground was mapped D ("Hazardous") on the 1930s HOLC security maps for Louisville. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above. In a typical year about 45.2% of renter households face a filing.

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