Within neighborhood
50
th percentile
Moderate
Neighborhood · Ranked #67,219 of 84,120 nationally
Hearthstone Eviction Risk: Lower , Dyer
Tract 18089042804 · Lake County, IN · pop 4,492 · neighborhood within 0.4 mi
Census tract 18089042804 covers part of the Hearthstone area of Dyer, IN, and scores 3/10 on landlord eviction risk. It is home to 4,492 residents. 86% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears.
Risk score
3
Lower
Confidence 85% · 1–10 scale
Household mix · 100 hh
Burdened renters 14%
Stable renters 2%
Owners 84%
Tract context
Occupied units1,922
Renter share16.2%
SVI overall0.36
Poverty rate15.4%
Median income$100,450
Percentile rank
Higher percentile = riskier than more peers.Within parent city
0
th percentile
Very Low
Within county
29
th percentile
Low
Within state
34
th percentile
Low
Geographic context
Risk heat across Dyer and the region
Centroid at 41.5057, -87.5001 · click any tract to drill in
Why Hearthstone scores 3
9 axes · 1 = landlord-friendlyLocal political climate
Inherited from Dyer
6.2
Regional political climate
2024 county presidential margin
5.8
State political climate
Indiana legislature & governorship
2.0
Economic stress
15.4% poverty · this tract
3.9
Supply constraint
$1,146 rent vs county FMR
4.6
Rent control risk
Inherited from Dyer
9.6
Eviction process difficulty
State law sets the calendar
2.1
Tenant organizing strength
Inherited from Dyer
2.9
Housing court bias
Inherited from Dyer
6.7
How Hearthstone compares
Risk score vs. parent city, county, state.CDC Social Vulnerability Index
SVI percentile: 36
CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.
- 32%Socioeconomic
- 85%Household composition
- 43%Racial/ethnic minority
- 14%Housing & transportation
Historical context · 1930s redlining
HOLC grade: C: Definitely Declining
This tract sits within an area graded by the Home Owners' Loan Corporation in the 1930s. Grade C meant mixed-race / working-class neighborhoods rated as risky. These designations suppressed minority homeownership for generations and remain a documented predictor of present-day eviction filings and rent burden.
- 0%Grade A
- 0%Grade B
- 0%Grade C
- 0%Grade D · redlined
Source: Mapping Inequality (americanpanorama.org), 1935-1940 HOLC residential security maps, aggregated to 2020 census tracts by area share. CC BY-NC-SA 4.0.
CDC PLACES 2023 · health & economic stress
Eviction-adjacent indicators
Crude prevalence of conditions linked to housing loss. Source: CDC PLACES (cwsq-ngmh), 2023 model-based small-area estimates.
- 8.0%Housing insecurity
- 6.3%Utility-shutoff threat
- 11.0%Food insecurity
- 5.6%SNAP enrollment
- 5.7%Transit barriers
- 6.5%No health insurance
- 14.1%Frequent mental distress
- 26.8%Any disability
Analysis
What drives eviction risk in Hearthstone
Against Lake County at 43.0%, 86% of renters here are cost-burdened. The dominant input is rent-regulation exposure at 9.6/10. Running cool, state political climate reads 2/10.
It sits 1.4 points below the Lake County average of 4.4. Well under the midpoint, eviction-process difficulty reads 2.1/10. SNAP participation runs 5.6% against 15.2% nationally.
This ground was mapped C ("Definitely Declining") on the 1930s HOLC security maps for Lake Co. Gary. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above. Nationally it ranks #67,219 of 84,120 for landlord eviction difficulty. Only 16% of units are renter-occupied. Rental comparables are thin; price a renewal off the nearest genuine rental sub-market rather than off surrounding sale prices.
CDC social-vulnerability scoring puts the tract at 4.2/10. Rent consumes only 14% of average household income of $100,450, an unusually wide affordability cushion.
Statewide the IN average is 3.9, so this tract runs 0.9 points cooler.
These are ACS 5-year estimates; the score moves when the ACS, court-record, or statute inputs behind it move.
Frequently asked
About tract 18089042804
Q1
What is the eviction-risk score for census tract 18089042804?
Census tract 18089042804 in the Hearthstone neighborhood scores 3/10 (Lower tier). The Eviction Risk Score blends state law, county filing rates, parent-city politics, and tract-specific rent-to-income ratios + poverty signals.
Q2
What is the average rent in tract 18089042804?
Median gross rent is $1,146/month (ACS 5-year 2023, table B25064). 86% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 18089042804?
15.4% of residents in tract 18089042804 live below the federal poverty line (ACS B17001, 2023). Population: 4,492.
Q4
How socially vulnerable is tract 18089042804?
CDC Social Vulnerability Index ranks this tract in the 36th percentile nationally. Sub-themes: socioeconomic 32th, household 85th, minority 43th, housing 14th.
Q5
Is tract 18089042804 considered part of Hearthstone?
Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18089042804 fall within Hearthstone (neighborhood centroid within 0.4 miles, OSM data).
Q6
What share of households in tract 18089042804 struggle to pay rent?
About 8.0% of adults in this tract reported housing insecurity (could not pay rent or mortgage in the past 12 months), per the CDC PLACES 2023 model-based small-area estimate. 6.3% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q7
How does tract 18089042804 compare to Dyer overall?
Tract 18089042804 scores 3/10, lower than the parent city of Dyer at 3.4/10. City-scale signals (state law, local rent controls, court bias) are inherited from Dyer eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.
Q8
Was tract 18089042804 historically redlined?
Yes. This tract sits inside an area graded by the Home Owners' Loan Corporation in the 1930s, with a dominant grade of C. 0% of the tract's area was rated D ("Hazardous"), the redlined tier. HOLC redlining systematically denied mortgage credit to Black, immigrant, and working-class neighborhoods and remains a documented predictor of present-day eviction filings, rent burden, and homeownership gaps. Source: Mapping Inequality (americanpanorama.org), Robert K. Nelson et al.
Sibling tracts
Highest-risk tracts in Dyer
Top eight tracts in Dyer ranked by composite eviction-risk score.
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