Phelps Luck Eviction Risk: Moderate , Columbia

The dominant input is court filing pressure at 9.9/10. 28% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. Well under the midpoint, economic stress reads 1/10.

Running hot, local political climate reads 7.5/10. At $1,691 a month, rents run 17% under what the rest of Columbia commands. SNAP participation runs 6.3% against 15.2% nationally.

Food insecurity runs 9.2% against 17.8% nationally. On the national scale it lands near the 70th percentile of the 84,120 tracts scored. At 9% renter-occupied this is predominantly owner territory, and comps have to be drawn from further out.

Social vulnerability reads 3.7/10 on the CDC index, a measure of exposure to housing and economic shocks. Against average income of $148,095, annual rent is just 14%.

Of its three components the socioeconomic standing measure is the least pressured. Poverty sits at 4%, low enough that arrears here usually signal a specific shock rather than a structural income gap. It tracks the Howard County average of 5.3 closely.

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