Diamond Hill Eviction Risk: Moderate , Lynchburg

The dominant input is court filing pressure at 9.1/10. Well under the midpoint, rent-regulation exposure reads 1.5/10.

The poverty rate is 31%, which in this model reads as reduced rent-recovery odds after a judgment. 16% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears.

Sitting well above the midpoint, economic stress reads 7.9/10. Food insecurity runs 28.6% against 17.8% nationally. Against the Lynchburg City average of 4.2, this tract reads riskier for landlords by 1.1 points.

The filing record is not thin: 605 evictions over 4 years of observation. Inability to pay a utility bill runs 16.7% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

Filings peaked in 2015 at 50.0% of renter households. This ground was mapped C ("Definitely Declining") on the 1930s HOLC security maps for Lynchburg. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above.

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