Mark Twain Eviction Risk: Moderate , St. Louis

The dominant input is regional political climate at 8.3/10. Food insecurity runs 34.4% against 17.8% nationally. 67% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building nearby.

Inability to pay a utility bill runs 24.0% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. On the high side, court filing pressure reads 8.1/10.

Well under the midpoint, rent-regulation exposure reads 2/10. The poverty rate is 20%, which in this model reads as reduced rent-recovery odds after a judgment. The filing record is not thin: 730 evictions over 13 years of observation.

At $860 a month, rents run 14% under what the rest of St. Louis commands. Filings peaked in 2015 at 17.4% of renter households. This ground was mapped B ("Still Desirable") on the 1930s HOLC security maps for St. Louis. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above.

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.