Horace Mann Eviction Risk: Elevated , Gary

What pushes it up most is tenant-organizing strength at 9.3/10. Annualized rent equals 39% of average household income of $34,276, past the 30% affordability line, which thins the margin any screening standard has to work with.

SNAP participation runs 33.5% against 15.2% nationally. Running hot, housing-court posture reads 8.7/10.

The poverty rate is 32%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. Inability to pay a utility bill runs 24.5% 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.

On the high side, rent-regulation exposure reads 8.2/10. The severe-burden share is 14%, and it is the single best predictor in this model of a filing that actually reaches judgment.

At $1,118 a month, rents run 10% over what the rest of Gary commands. In the 1930s the federal Home Owners' Loan Corporation graded this ground D ("Hazardous"). 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. Nationally it ranks #18,163 of 84,120 for landlord eviction difficulty.

Tract-level figures come from the ACS 5-year release and are rebuilt whenever that, the court-record feed, or the statutory ledger behind the score changes.