North Bank Eviction Risk: Elevated , Spokane

The poverty rate is 39%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. 85% 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. Severe burden reaches 23%. Those are renters paying half their income or more, and that is where non-payment filings originate.

Set annual rent against average income of $37,903 and the ratio lands at 32%, above the conventional 30% ceiling. Against the Spokane County average of 5.7, this tract reads riskier for landlords by 1.6 points. Running cool, supply constraint reads 2.1/10.

53% of renter households cross the 30%-of-income line, higher than the Spokane County average of 45.2%. At $1,019 a month, rents run 16% under what the rest of Spokane commands.

Court records carry 112 eviction filings across 3 observed years. Well under the midpoint, court filing pressure reads 3/10.

Filings peaked in 2015 at 5.4% 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 3.7% of renter households face a filing. Nationally it ranks #11,153 of 84,120 for landlord eviction difficulty. On the CDC Social Vulnerability Index the tract reads 8.7/10, which tracks how hard a shock lands on the households already here.

Statewide the WA average is 5.9, so this tract runs 1.4 points hotter.

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