Niagara Falls Eviction Risk: High

72% of renter households cross the 30%-of-income line, far above the Niagara County average of 40.9%. The dominant input is economic stress at 10/10. Food insecurity runs 53.3% against 17.8% nationally.

The poverty rate is 52%, which in this model reads as reduced rent-recovery odds after a judgment. Inability to pay a utility bill runs 32.8% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

Set annual rent against average income of $22,886 and the ratio lands at 41%, above the conventional 30% ceiling. It sits 2.1 points above the Niagara County average of 6.4.

79% 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. Sitting well above the midpoint, tenant-organizing strength reads 8.5/10. Running hot, housing-court posture reads 8.4/10.

In the 1930s the federal Home Owners' Loan Corporation graded this ground D ("Hazardous"). 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. Nationally it ranks #5,413 of 84,120 for landlord eviction difficulty. Social vulnerability reads 9.5/10 on the CDC index, a measure of exposure to housing and economic shocks.

Of its three components the household composition measure is the most pressured.

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