Kettering Eviction Risk: Lower

Severe burden reaches 31%. Those are renters paying half their income or more, and that is where non-payment filings originate. At $690 a month, rents run 34% under what the rest of Kettering commands.

The main counterweight is economic stress at 1.4/10. Running cool, supply constraint reads 1.4/10.

On the softer side, eviction-process difficulty reads 2.1/10. It sits 1.0 points below the Montgomery County average of 4.2.

The filing record is not thin: 124 evictions over 16 years of observation. Filings peaked in 2008 at 12.4% of renter households.

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. In a typical year about 3.7% of renter households face a filing.

On the national scale it lands near the 25th percentile of the 84,120 tracts scored. Only 19% 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 3.1/10.

Rent consumes only 12% of average household income of $71,625, an unusually wide affordability cushion.

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