Ludlow Eviction Risk: High , Yonkers

The heaviest input here is eviction process difficulty at $1/10. That part comes from the wider legal climate rather than the tract itself. Statewide and court-level factors such as eviction-process speed and rent-control exposure are inherited from Yonkers eviction risk, while the economic and supply signals are measured at the tract level.

Set against its neighbors, this tract scores above the Westchester County average of 6.1 and above the New York statewide average of 6.3. Within its own county it reads on the riskier side for landlords.

The tract is Hispanic or Latino and Black and ranks around the 98th percentile nationally on the CDC Social Vulnerability Index, a measure of how exposed residents are to housing and economic shocks. High vulnerability tends to track with higher eviction-filing rates when rents climb.

Part of this tract, about 32% of its area, sat in the redlined grade-D zone on 1930s HOLC maps, though its dominant grade was C ("Declining"). That lending history still correlates with present-day rent burden.

For a landlord, this is a tract where process discipline pays off. Clean paperwork and steady screening keep the elevated risk manageable.