North Bank Eviction Risk: Elevated

The strongest single driver of the headline number is economic stress at 9.9/10. The poverty rate is 45%. Judgments in high-poverty tracts are collectible far less often than the filing statistics suggest. 89% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building two streets over.

27% are severely burdened, paying half their income or more in rent. That cohort has no absorption capacity for an unexpected bill, and it is where non-payment filings originate. Set annual rent against average household income of $27,834 and the ratio lands at 37%, above the conventional 30% ceiling. At $853 a month, rents sit 30% under what the rest of Spokane commands.

Well under the midpoint is supply constraint, at 1.6/10. Court records carry 182 eviction filings across its 2 observed tracts.

The worst year on record was 2015, when filings touched 5.4% of renter households. The most recent observed rate, 2.1% in 2016, is well off that peak. Among the 21 mapped neighborhoods of Spokane, it ranks #1 by risk, the upper third.

Social vulnerability runs high at 8.5/10, concentrating the disaster- and displacement-exposure this model treats as a lagging risk input. The 2 tracts here are tightly clustered, 0 points apart at the extremes.

With little internal variation, 7.3/10 is a fair proxy for any address inside the boundary. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.