Chattanooga Eviction Risk: Moderate

Severe burden reaches 32%. Those are renters paying half their income or more, and that is where non-payment filings originate. The poverty rate is 42%, which in this model reads as reduced rent-recovery odds after a judgment. At $773 a month, rents run 38% under what the rest of Chattanooga commands.

On the softer side, rent-regulation exposure reads 1/10. Disability prevalence runs 49.9% against 31.5% nationally.

Annualized rent equals 36% of average household income of $26,032, past the 30% affordability line, which thins the margin any screening standard has to work with. Running cool, supply constraint reads 1/10. 74% 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.

Adults with no health insurance runs 21.5% against 11.3% nationally. Against the Hamilton County average of 3.9, this tract reads riskier for landlords by 1.0 points.

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. On the national scale it lands near the 59th percentile of the 84,120 tracts scored. CDC social-vulnerability scoring puts the tract at 9.5/10.

Statewide the TN average is 3.9, so this tract runs 1.0 points hotter.

All figures here are ACS 5-year estimates for this tract, refreshed as the underlying releases land.