Howardsville Eviction Risk: Moderate , Lochearn

35% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. What pushes it up most is court filing pressure at 10/10.

Sitting well above the midpoint, local political climate reads 8.9/10. Running cool, economic stress reads 1.5/10. 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.

On the national scale it lands near the 73rd percentile of the 84,120 tracts scored. Social vulnerability reads 3.4/10 on the CDC index, a measure of exposure to housing and economic shocks.

Of its three components the household composition measure is the least pressured. Poverty sits at 6%, low enough that arrears here usually signal a specific shock rather than a structural income gap. It tracks the Baltimore County average of 5.7 closely.

Average gross rent is $1,571, close to the Lochearn average. Annual rent works out to 22% of average household income of $87,105. 32% of occupied units are renter-occupied.

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.