St. James Eviction Risk: Lower

55% of renter households cross the 30%-of-income line, well above the Phelps County average of 42.8%. 21% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears.

Running cool, eviction-process difficulty reads 1.8/10. On the softer side, tenant-organizing strength reads 1.8/10. Average gross rent is $817, 18% above the St. James average.

Court records carry 191 eviction filings across 11 observed years. Against the Phelps County average of 4.1, this tract reads safer for landlords by 0.9 points. Filings peaked in 2007 at 3.7% of renter households.

In a typical year about 2.5% of renter households face a filing. Nationally it ranks #63,308 of 84,120 for landlord eviction difficulty.

On the CDC Social Vulnerability Index the tract reads 8.8/10, which tracks how hard a shock lands on the households already here. Rent consumes only 18% of average household income of $55,328, an unusually wide affordability cushion.

Of its three components the household composition measure is the most pressured. 36% of occupied units are renter-occupied.

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