Lark Street Eviction Risk: High , Albany

29% of renter households cross the 30%-of-income line, markedly below the Albany County average of 42.1%. 82% 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.

Severe burden reaches 21%. Those are renters paying half their income or more, and that is where non-payment filings originate. The dominant input is local political climate at 8/10.

Running hot, rent-regulation exposure reads 7.5/10. On the high side, eviction-process difficulty reads 7.5/10.

Food insecurity runs 9.8% against 17.8% nationally. SNAP participation runs 8.0% against 15.2% nationally. 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.

That is riskier than roughly 97% of the 84,120 US census tracts in this model. On the CDC Social Vulnerability Index the tract reads 3.6/10, which tracks how hard a shock lands on the households already here.

Statewide the NY average is 7.7, so this tract runs 1.7 points hotter. Of its three components the household composition measure is the least pressured.

Average gross rent is $1,219, close to the Albany average. Annual rent works out to 21% of average household income of $70,409.

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.