Saginaw Eviction Risk: Elevated

The score leans hardest on economic stress at 10/10. Inability to pay a utility bill runs 39.4% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. The poverty rate is 58%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest.

Disability prevalence runs 54.0% against 31.5% nationally. Annualized rent equals 42% of average household income of $20,086, past the 30% affordability line, which thins the margin any screening standard has to work with.

Running hot, housing-court posture reads 9.1/10. Sitting well above the midpoint, court filing pressure reads 9/10.

This is renter territory: 73% of occupied units are tenant-occupied. It sits 1.7 points above the Saginaw County average of 4.3. At $697 a month, rents run 24% under what the rest of Saginaw commands.

In the 1930s the federal Home Owners' Loan Corporation graded this ground D ("Hazardous"). 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 78th percentile of the 84,120 tracts scored.

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.