Within neighborhood
0
th percentile
Very Low
Neighborhood · Ranked #49,882 of 84,120 nationally
McKinley Terrace Eviction Risk: Lower , Mishawaka
Tract 18141001300 · St. Joseph County, IN · pop 2,001 · neighborhood within 0.6 mi
In the McKinley Terrace neighborhood of Mishawaka, census tract 18141001300 scores 4.3/10 for eviction risk. It lands near the 18th percentile nationally for landlord eviction risk.
29% of renter households here spend at least 30% of income on rent, a moderate level, and 18% are severely burdened at 50% or more. Average gross rent is $1,112 monthly, set against $62,558 in average yearly household income, roughly 21% of income at the averages. Renters make up 45% of occupied homes.
Risk score
3.5
Lower
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 13%
Stable renters 32%
Owners 55%
Tract context
Occupied units1,050
Renter share44.9%
SVI overall0.62
Poverty rate7.0%
Median income$62,558
Percentile rank
Higher percentile = riskier than more peers.Within parent city
26
th percentile
Low
Within county
44
th percentile
Moderate
Within state
52
th percentile
Moderate
Geographic context
Risk heat across Mishawaka and the region
Centroid at 41.6771, -86.2065 · click any tract to drill in
Why McKinley Terrace scores 3.5
9 axes · 1 = landlord-friendlyLocal political climate
Inherited from Mishawaka
5.0
Regional political climate
2024 county presidential margin
5.3
State political climate
Indiana legislature & governorship
2.0
Economic stress
7.0% poverty · this tract
1.8
Supply constraint
$1,112 rent vs county FMR
5.2
Rent control risk
Inherited from Mishawaka
1.0
Eviction process difficulty
State law sets the calendar
2.5
Tenant organizing strength
Inherited from Mishawaka
3.0
Housing court bias
Inherited from Mishawaka
2.5
How McKinley Terrace compares
Risk score vs. parent city, county, state.CDC Social Vulnerability Index
SVI percentile: 62
CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.
- 40%Socioeconomic
- 67%Household composition
- 60%Racial/ethnic minority
- 77%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
- 9%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.
Eviction filings
Court-record eviction history
Court-validated eviction filings collected from county clerks and consolidated by the Eviction Lab at Princeton University. Filing rate is filings per 100 renter households.1
Historic baseline (2000–2018)
- 62Total filings over 1 yrs
- 10.46%Avg annual filing rate
- 10.5%Peak (2015)
- 62Filings in 2015 (latest validated)
Pandemic-era tracking (2020–2021)
- 366Total filings 2020-21
- 4.8Avg monthly (observed)
- 4.8Pre-pandemic baseline
- 1.00×Ratio to baseline
Pandemic filings ran near baseline. Eviction Lab tracked Richmond, VA as part of its 34-metro Eviction Tracking System.
Comparable tracts
Census tracts with similar eviction risk
Within McKinley Terrace. 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.
- 12.2%Housing insecurity
- 8.6%Utility-shutoff threat
- 14.7%Food insecurity
- 8.1%SNAP enrollment
- 7.9%Transit barriers
- 8.7%No health insurance
- 17.5%Frequent mental distress
- 30.7%Any disability
Analysis
What drives eviction risk in McKinley Terrace
The score leans hardest on supply constraint at 5.2/10. That part is specific to this tract, computed from its own rent, income, and poverty figures. Statewide and court-level factors such as eviction-process speed and rent-control exposure are inherited from Mishawaka eviction risk, while the economic and supply signals are measured at the tract level.
Set against its neighbors, this tract scores below the St. Joseph 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.
The tract is racially mixed and ranks around the 62nd percentile nationally on the CDC Social Vulnerability Index, a measure of how exposed residents are to housing and economic shocks. That is a middle-of-the-pack reading for social vulnerability.
In CDC survey modeling, about 12.2% of adults here said they could not pay rent or mortgage at some point in the past year, and 8.6% 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 18141001300
Q1
What is the eviction-risk score for census tract 18141001300?
Census tract 18141001300 in the McKinley Terrace neighborhood scores 3.5/10 (Lower tier). The Eviction Risk Score blends state law, county filing rates, parent-city politics, and tract-specific rent-to-income ratios + poverty signals.
Q2
What is the average rent in tract 18141001300?
Median gross rent is $1,112/month (ACS 5-year 2023, table B25064). 29% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 18141001300?
7.0% of residents in tract 18141001300 live below the federal poverty line (ACS B17001, 2023). Population: 2,001.
Q4
How socially vulnerable is tract 18141001300?
CDC Social Vulnerability Index ranks this tract in the 62th percentile nationally. Sub-themes: socioeconomic 40th, household 67th, minority 60th, housing 77th.
Q5
Is tract 18141001300 considered part of McKinley Terrace?
Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18141001300 fall within McKinley Terrace (neighborhood centroid within 0.6 miles, OSM data).
Q6
How many evictions are filed each year in tract 18141001300?
Princeton Eviction Lab recorded 62 eviction filings across 1 validated years in tract 18141001300 (2000-2018). The average annual filing rate is 10.46% of renter households, peaking at 10.5% in 2015. Source: Eviction Lab tract-validated 2024 release.
Q7
Did eviction filings in tract 18141001300 drop during COVID?
Pandemic-era filings ran 1.00× the pre-COVID monthly baseline. Filings returned near baseline. Tracked by the Eviction Lab Eviction Tracking System (Richmond eviction risk, VA), 2020-2021.
Q8
What share of households in tract 18141001300 struggle to pay rent?
About 12.2% 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. 8.6% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q9
How does tract 18141001300 compare to Mishawaka overall?
Tract 18141001300 scores 3.5/10, higher than the parent city of Mishawaka at 2.7/10. City-scale signals (state law, local rent controls, court bias) are inherited from Mishawaka eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.
Q10
Was tract 18141001300 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 Mishawaka
Top eight tracts in Mishawaka ranked by composite eviction-risk score.
Tract · IN
Kennedy Park
5.7
/ 10 · Elevated
Tract · IN
Monroe Park
5.6
/ 10 · Elevated
Tract · IN
LaSalle Park
5.6
/ 10 · Elevated
Tract · IN
Near West Side
5.6
/ 10 · Elevated
Tract · IN
Westside
5.6
/ 10 · Elevated
Tract · IN
Southeast
5.5
/ 10 · Elevated
Tract · IN
Rum Village
5.5
/ 10 · Elevated
Tract · IN
Westside
5.5
/ 10 · Elevated
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