University Park Eviction Risk: Moderate , Gary

What moves this score most is tenant organizing strength at 9.3/10. That part comes from the wider legal climate rather than the tract itself. Statewide and court-level factors such as eviction-process speed and rent-control exposure are inherited from Gary eviction risk, while the economic and supply signals are measured at the tract level.

Set against its neighbors, this tract scores above the Lake County average of 5.2 and above the Indiana statewide average of 4.7. Within its own county it reads on the riskier side for landlords.

This tract overlaps land the federal Home Owners' Loan Corporation redlined in the 1930s, a dominant grade of D ("Hazardous") across 84% of the tract. Redlining cut off mortgage credit to Black, immigrant, and working-class blocks, and those areas still tend to carry higher rent burden and eviction filings today.

The tract is predominantly Black and ranks around the 87th percentile nationally on the CDC Social Vulnerability Index, a measure of how exposed residents are to housing and economic shocks. High vulnerability tends to track with higher eviction-filing rates when rents climb.

For a landlord, conditions here are middle-of-the-road. Standard screening and prompt, documented notices usually keep cases short.