Neighborhood · Ranked #63,481 of 84,120 nationally

Arbor Hill Eviction Risk: Lower

Tract 18089040801 · Lake County, IN · pop 3,645 · neighborhood within 0.1 mi

Census tract 18089040801 covers the Arbor Hill area of Lake, home to 3,645 residents. For landlords it grades 4.1/10, a moderate reading. That is riskier than roughly 14% of the 84,120 US census tracts we score.

37% of renter households here spend at least 30% of income on rent, a high level, and 28% are severely burdened at 50% or more. Average rent runs $1,154 a month against an average household income of $82,340 a year, roughly 17% of income at the averages. About 13% of occupied units are renter-occupied.

Risk score

2.7

Lower

Confidence 65% · 1–10 scale

Household mix · 100 hh

Burdened renters 5% Stable renters 8% Owners 87%

Tract context

Occupied units1,417

Renter share12.6%

SVI overall0.13

Poverty rate6.1%

Median income$82,340

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Lake County and the region

Centroid at 41.5494, -87.4440 · click any tract to drill in

Why Arbor Hill scores 2.7

9 axes · 1 = landlord-friendly

Local political climate

State baseline

2.0

Regional political climate

2024 county presidential margin

5.8

State political climate

Indiana legislature & governorship

2.0

Economic stress

6.1% poverty · this tract

1.5

Supply constraint

$1,154 rent vs county FMR

4.6

Rent control risk

State baseline

2.0

Eviction process difficulty

State law sets the calendar

5.0

Tenant organizing strength

State baseline

4.0

Housing court bias

State baseline

5.0

How Arbor Hill compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 13

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

12%Socioeconomic
34%Household composition
40%Racial/ethnic minority
16%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
14%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.

8.4%Housing insecurity
6.3%Utility-shutoff threat
11.0%Food insecurity
5.4%SNAP enrollment
5.8%Transit barriers
7.3%No health insurance
15.3%Frequent mental distress
26.2%Any disability

Analysis

What drives eviction risk in Arbor Hill

The score leans hardest on eviction process difficulty at $1/10. 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 set by Indiana eviction laws law, while the economic and supply signals are measured at the tract level.

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

HOLC surveyors mapped this tract in the 1930s with a dominant grade of C ("Declining"), above the redlined D tier. The grading still shaped decades of lending and development in the surrounding area.

In CDC survey modeling, about 8.4% of adults here said they could not pay rent or mortgage at some point in the past year, and 6.3% faced a utility shutoff threat, a common early warning before a filing.

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

Frequently asked

About tract 18089040801

What is the eviction-risk score for census tract 18089040801?

Census tract 18089040801 in the Arbor Hill neighborhood scores 2.7/10 (Lower tier). The Eviction Risk Score blends state law, county filing rates, parent-city politics, and tract-specific rent-to-income ratios + poverty signals.

What is the average rent in tract 18089040801?

Median gross rent is $1,154/month (ACS 5-year 2023, table B25064). 37% of renter households are cost-burdened.

What is the poverty rate in tract 18089040801?

6.1% of residents in tract 18089040801 live below the federal poverty line (ACS B17001, 2023). Population: 3,645.

How socially vulnerable is tract 18089040801?

CDC Social Vulnerability Index ranks this tract in the 13th percentile nationally. Sub-themes: socioeconomic 12th, household 34th, minority 40th, housing 16th.

Is tract 18089040801 considered part of Arbor Hill?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18089040801 fall within Arbor Hill (neighborhood centroid within 0.1 miles, OSM data).

What share of households in tract 18089040801 struggle to pay rent?

About 8.4% 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.

Was tract 18089040801 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.