Howardsville Eviction Risk: Moderate , Lochearn

Against Baltimore County at 46.8%, 70% of renters here are cost-burdened. What pushes it up most is court filing pressure at 10/10. At $2,513 a month, rents run 72% over what the rest of Lochearn commands.

Sitting well above the midpoint, local political climate reads 8.9/10. On the softer side, economic stress reads 1.1/10.

The voucher gap is 27.9%: households holding assistance that local rents will not absorb, which surfaces as churn rather than arrears. Set annual rent against average income of $91,816 and the ratio lands at 33%, above the conventional 30% ceiling.

In the 1930s the federal Home Owners' Loan Corporation graded this ground B ("Still Desirable"). 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. That is riskier than roughly 70% of the 84,120 US census tracts in this model.

Only 6% of units are renter-occupied. Rental comparables are thin; price a renewal off the nearest genuine rental sub-market rather than off surrounding sale prices. On the CDC Social Vulnerability Index the tract reads 6.8/10, which tracks how hard a shock lands on the households already here.

Of its three components the household composition measure is the most pressured.

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.