O'Fallon Eviction Risk: Moderate

28% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. The clearest offset is eviction-process difficulty at 1.6/10.

Running cool, state political climate reads 2.1/10. The voucher gap is 20.9%: households holding assistance that local rents will not absorb, which surfaces as churn rather than arrears. It sits 1.1 points above the St. Charles County average of 3.5.

Court records carry 143 eviction filings across 11 observed years. Sitting well above the midpoint, supply constraint reads 7.1/10. Filings peaked in 2012 at 5.6% of renter households.

In a typical year about 3.8% of renter households face a filing. That is riskier than roughly 53% of the 84,120 US census tracts in this model. Only 18% 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.

Social vulnerability reads 4.1/10 on the CDC index, a measure of exposure to housing and economic shocks.

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