Cherry Gardens Eviction Risk: Moderate , Richmond

31% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. 73% 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.

Annualized rent equals 33% of average household income of $45,813, past the 30% affordability line, which thins the margin any screening standard has to work with. Running hot, regional political climate reads 8.4/10.

Food insecurity runs 31.4% against 17.8% nationally. The poverty rate is 24%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest.

It sits 1.2 points above the Richmond City average of 4.3. Running cool, supply constraint reads 2.3/10. Inability to pay a utility bill runs 16.9% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

At $1,248 a month, rents run 9% under what the rest of Richmond commands. This ground was mapped C ("Definitely Declining") on the 1930s HOLC security maps for Richmond. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above. On the national scale it lands near the 72nd percentile of the 84,120 tracts scored.

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.