Neighborhood · Ranked #18,163 of 84,120 nationally

Morningside Eviction Risk: Elevated , Gary

Tract 18089012600 · Lake County, IN · pop 2,026 · neighborhood within 0.8 mi

With a score of 6/10, tract 18089012600 in the Morningside area of Gary, IN reads elevated for landlord eviction risk. It is home to 2,026 residents. 49% 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

Elevated

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 35% Stable renters 12% Owners 53%

Tract context

Occupied units767

Renter share47.5%

SVI overall0.83

Poverty rate27.9%

Median income$39,271

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Gary and the region

Centroid at 41.5415, -87.3263 · click any tract to drill in

Why Morningside scores 6

9 axes · 1 = landlord-friendly

Local political climate

Inherited from Gary

6.2

Regional political climate

2024 county presidential margin

5.8

State political climate

Indiana legislature & governorship

2.0

Economic stress

27.9% poverty · this tract

7.0

Supply constraint

$1,185 rent vs county FMR

4.9

Rent control risk

Inherited from Gary

8.2

Eviction process difficulty

State law sets the calendar

2.3

Tenant organizing strength

Inherited from Gary

9.3

Housing court bias

Inherited from Gary

8.7

How Morningside compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 83

CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.

83%Socioeconomic
85%Household composition
93%Racial/ethnic minority
51%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
72%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.

Comparable tracts

Census tracts with similar eviction risk

Within Morningside. Closest by Eviction Risk Score.

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.

30.6%Housing insecurity
28.0%Utility-shutoff threat
44.6%Food insecurity
38.5%SNAP enrollment
21.0%Transit barriers
13.3%No health insurance
21.5%Frequent mental distress
42.2%Any disability

Analysis

What drives eviction risk in Morningside

Against Lake County at 43.0%, 74% of renters here are cost-burdened. Food insecurity runs 44.6% against 17.8% nationally. The score leans hardest on tenant-organizing strength at 9.3/10.

Inability to pay a utility bill runs 28.0% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. Annualized rent equals 36% of average household income of $39,271, past the 30% affordability line, which thins the margin any screening standard has to work with. Sitting well above the midpoint, housing-court posture reads 8.7/10.

The poverty rate is 28%, which in this model reads as reduced rent-recovery odds after a judgment. Against the Lake County average of 4.4, this tract reads riskier for landlords by 1.6 points.

On the high side, rent-regulation exposure reads 8.2/10. At $1,185 a month, rents run 17% over what the rest of Gary commands. 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.

On the national scale it lands near the 78th percentile of the 84,120 tracts scored. Social vulnerability reads 8.5/10 on the CDC index, a measure of exposure to housing and economic shocks.

All figures here are ACS 5-year estimates for this tract, refreshed as the underlying releases land.

Frequently asked

About tract 18089012600

What is the eviction-risk score for census tract 18089012600?

Census tract 18089012600 in the Morningside neighborhood scores 6/10 (Elevated tier). The Eviction Risk Score blends state law, county filing rates, parent-city politics, and tract-specific rent-to-income ratios + poverty signals.

What is the average rent in tract 18089012600?

Median gross rent is $1,185/month (ACS 5-year 2023, table B25064). 74% of renter households are cost-burdened.

What is the poverty rate in tract 18089012600?

27.9% of residents in tract 18089012600 live below the federal poverty line (ACS B17001, 2023). Population: 2,026.

How socially vulnerable is tract 18089012600?

CDC Social Vulnerability Index ranks this tract in the 83th percentile nationally. Sub-themes: socioeconomic 83th, household 85th, minority 93th, housing 51th.

Is tract 18089012600 considered part of Morningside?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18089012600 fall within Morningside (neighborhood centroid within 0.8 miles, OSM data).

What share of households in tract 18089012600 struggle to pay rent?

About 30.6% 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. 28.0% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 18089012600 compare to Gary overall?

Tract 18089012600 scores 6/10, higher than the parent city of Gary at 4.6/10. City-scale signals (state law, local rent controls, court bias) are inherited from Gary eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.

Was tract 18089012600 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 Gary

Top eight tracts in Gary ranked by composite eviction-risk score.