Chambersburg Eviction Risk: High , Trenton

Annualized rent equals 47% of average household income of $28,261, past the 30% affordability line, which thins the margin any screening standard has to work with. The score leans hardest on court filing pressure at 9.3/10.

26% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. On the softer side, supply constraint reads 1/10.

81% 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. Adults with no health insurance runs 30.1% against 11.3% nationally.

Inability to pay a utility bill runs 24.8% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. The poverty rate is 29%, which in this model reads as reduced rent-recovery odds after a judgment.

Cost burden runs 54% here against 46.5% across Mercer County. Sitting well above the midpoint, rent-regulation exposure reads 7.5/10. Princeton eviction risk's Eviction Lab logged 1,855 filings here across 6 tracked years.

Average gross rent is $1,112, 14% below the Trenton average. The worst year on record was 2013, when 26.0% of renter households were served.

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.

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