Mercy Ridge Eviction Risk: Moderate , Timonium

61% of renter households cross the 30%-of-income line, markedly above the Baltimore County average of 46.8%. 24% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. On the softer side, economic stress reads 1.2/10.

On the high side, rent-regulation exposure reads 7.9/10. Against the Baltimore County average of 5.7, this tract reads safer for landlords by 1.2 points.

SNAP participation runs 4.3% against 15.2% nationally. Inability to pay a utility bill runs 3.4% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. On the national scale it lands near the 51st percentile of the 84,120 tracts scored.

Only 21% 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 3.8/10, which tracks how hard a shock lands on the households already here. Against average income of $146,193, annual rent is just 15%.

Statewide the MD average is 5.5, so this tract runs 1.0 points cooler.

All figures here are ACS 5-year estimates for this tract, refreshed as the underlying releases land.