Horace Mann Eviction Risk: Elevated , Gary

The dominant input is tenant-organizing strength at 9.3/10. Running cool, supply constraint reads 1/10. The poverty rate is 35%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest.

The severe-burden share is 22%, and it is the single best predictor in this model of a filing that actually reaches judgment. 72% 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. On the high side, housing-court posture reads 8.7/10.

Inability to pay a utility bill runs 25.0% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. It sits 1.6 points above the Lake County average of 4.4.

Disability prevalence runs 44.5% against 31.5% nationally. 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 78th percentile of the 84,120 tracts scored.

Social vulnerability reads 8.2/10 on the CDC index, a measure of exposure to housing and economic shocks. Statewide the IN average is 3.9, so this tract runs 2.1 points hotter.

Of its three components the socioeconomic standing measure is the most pressured.

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