Kettering Eviction Risk: Lower

Pulling hardest the other way is economic stress at 1.8/10. On the softer side, eviction-process difficulty reads 2.1/10.

Food insecurity runs 5.8% against 17.8% nationally. Against the Montgomery County average of 4.2, this tract reads safer for landlords by 1.2 points.

Running hot, court filing pressure reads 7.7/10. The severe-burden share is 12%, and it is the single best predictor in this model of a filing that actually reaches judgment.

Court records carry 57 eviction filings across 16 observed years. Inability to pay a utility bill runs 3.9% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

Filings peaked in 2016 at 4.1% of renter households. This ground was mapped A ("Best") on the 1930s HOLC security maps for Dayton. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above. In a typical year about 1.9% of renter households face a filing.

On the national scale it lands near the 20th percentile of the 84,120 tracts scored. Only 13% of units are renter-occupied. Rental comparables are thin; price a renewal off the nearest genuine rental sub-market rather than off surrounding sale prices. CDC social-vulnerability scoring puts the tract at 1.3/10.

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.