Five Points Eviction Risk: Moderate , Cleveland

58% of renter households cross the 30%-of-income line, well above the Cuyahoga County average of 43.0%. Inability to pay a utility bill runs 30.2% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

The dominant input is court filing pressure at 8.2/10. Annualized rent equals 32% of average household income of $36,036, past the 30% affordability line, which thins the margin any screening standard has to work with.

On the softer side, rent-regulation exposure reads 2/10. 14% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears.

Running cool, state political climate reads 2.4/10. The filing record is not thin: 685 evictions over 12 years of observation. Against the Cuyahoga County average of 4.6, this tract reads riskier for landlords by 0.6 points.

Filings peaked in 2007 at 17.4% of renter households. 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.

In a typical year about 15.1% of renter households face a filing.

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.