Happy Holler Eviction Risk: Moderate , Knoxville

The clearest offset is rent-regulation exposure at 1/10. Adults with no health insurance runs 31.2% against 11.3% nationally.

28% of renter households cross the 30%-of-income line, markedly below the Knox County average of 40.9%. On the softer side, supply constraint reads 1/10.

Set annual rent against average income of $31,902 and the ratio lands at 33%, above the conventional 30% ceiling. 70% 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. At $865 a month, rents run 27% under what the rest of Knoxville commands.

Well under the midpoint, state political climate reads 1.9/10. The poverty rate is 25%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest.

It sits 1.1 points above the Knox County average of 3.7. The severe-burden share is 9%, and it is the single best predictor in this model of a filing that actually reaches judgment. 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.

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