Duluth Eviction Risk: Moderate

This is renter territory: 81% of occupied units are tenant-occupied. Severe burden reaches 24%. Those are renters paying half their income or more, and that is where non-payment filings originate. The poverty rate is 33%, which in this model reads as reduced rent-recovery odds after a judgment.

The dominant input is economic stress at 8.3/10. Against the St. Louis County average of 4.3, this tract reads riskier for landlords by 1.4 points. Food insecurity runs 28.9% against 17.8% nationally.

At $895 a month, rents run 18% under what the rest of Duluth commands. Running cool, supply constraint reads 2.9/10.

Inability to pay a utility bill runs 15.0% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. In the 1930s the federal Home Owners' Loan Corporation graded this ground C ("Definitely Declining"). 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. Nationally it ranks #21,564 of 84,120 for landlord eviction difficulty.

Social vulnerability reads 5/10 on the CDC index, a measure of exposure to housing and economic shocks. Statewide the MN average is 4.5, so this tract runs 1.2 points hotter. Of its three components the household composition measure is the least pressured.

Annual rent works out to 30% of average household income of $35,750.

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