Within neighborhood
100
th percentile
Very High
Neighborhood · Ranked #32,735 of 84,120 nationally
McKinley Terrace Eviction Risk: Moderate , Mishawaka
Tract 18141011501 · St. Joseph County, IN · pop 4,294 · neighborhood within 0.8 mi
McKinley Terrace in Mishawaka is where census tract 18141011501 sits, home to 4,294 residents. Its landlord eviction-risk score is 6.1/10. On the national scale it ranks #18,595 of 84,120 for landlord eviction difficulty.
52% of renter households here spend at least 30% of income on rent, a severe level, and 26% are severely burdened at 50% or more. The typical renter pays about $830 a month while the average household earns $37,222 a year, roughly 27% of income at the averages. Renters make up 90% of occupied homes, a renter-majority tract.
Risk score
4.5
Moderate
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 47%
Stable renters 43%
Owners 10%
Tract context
Occupied units2,348
Renter share90.0%
SVI overall0.96
Poverty rate15.3%
Median income$37,222
Percentile rank
Higher percentile = riskier than more peers.Within parent city
71
th percentile
Elevated
Within county
62
th percentile
Elevated
Within state
76
th percentile
High
Geographic context
Risk heat across Mishawaka and the region
Centroid at 41.6930, -86.1919 · click any tract to drill in
Why McKinley Terrace scores 4.5
9 axes · 1 = landlord-friendlyLocal political climate
Inherited from Mishawaka
5.8
Regional political climate
2024 county presidential margin
5.3
State political climate
Indiana legislature & governorship
2.0
Economic stress
15.3% poverty · this tract
3.8
Supply constraint
$830 rent vs county FMR
2.6
Rent control risk
Inherited from Mishawaka
6.4
Eviction process difficulty
State law sets the calendar
2.0
Tenant organizing strength
Inherited from Mishawaka
9.2
Housing court bias
Inherited from Mishawaka
6.8
How McKinley Terrace compares
Risk score vs. parent city, county, state.CDC Social Vulnerability Index
SVI percentile: 96
CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.
- 93%Socioeconomic
- 78%Household composition
- 50%Racial/ethnic minority
- 99%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
- 4%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)
- 129Total filings over 1 yrs
- 8.25%Avg annual filing rate
- 8.3%Peak (2015)
- 129Filings in 2015 (latest validated)
Pandemic-era tracking (2020–2021)
- 1,493Total filings 2020-21
- 19.4Avg monthly (observed)
- 10.0Pre-pandemic baseline
- 1.93×Ratio to baseline
Pandemic filings ran above 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.
- 18.8%Housing insecurity
- 15.1%Utility-shutoff threat
- 25.8%Food insecurity
- 18.6%SNAP enrollment
- 13.3%Transit barriers
- 11.5%No health insurance
- 21.9%Frequent mental distress
- 40.7%Any disability
Analysis
What drives eviction risk in McKinley Terrace
The score leans hardest on tenant organizing strength at 9.2/10. 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 Mishawaka eviction risk, while the economic and supply signals are measured at the tract level.
Set against its neighbors, this tract scores above the St. Joseph 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.
The tract is predominantly White and ranks around the 96th 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.
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.
For a landlord, this is a tract where process discipline pays off. Clean paperwork and steady screening keep the elevated risk manageable.
Frequently asked
About tract 18141011501
Q1
What is the eviction-risk score for census tract 18141011501?
Census tract 18141011501 in the McKinley Terrace neighborhood scores 4.5/10 (Moderate 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 18141011501?
Median gross rent is $830/month (ACS 5-year 2023, table B25064). 52% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 18141011501?
15.3% of residents in tract 18141011501 live below the federal poverty line (ACS B17001, 2023). Population: 4,294.
Q4
How socially vulnerable is tract 18141011501?
CDC Social Vulnerability Index ranks this tract in the 96th percentile nationally. Sub-themes: socioeconomic 93th, household 78th, minority 50th, housing 99th.
Q5
Is tract 18141011501 considered part of McKinley Terrace?
Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18141011501 fall within McKinley Terrace (neighborhood centroid within 0.8 miles, OSM data).
Q6
How many evictions are filed each year in tract 18141011501?
Princeton Eviction Lab recorded 129 eviction filings across 1 validated years in tract 18141011501 (2000-2018). The average annual filing rate is 8.25% of renter households, peaking at 8.3% in 2015. Source: Eviction Lab tract-validated 2024 release.
Q7
Did eviction filings in tract 18141011501 drop during COVID?
Pandemic-era filings ran 1.93× the pre-COVID monthly baseline. Filings ran above pre-pandemic norms. Tracked by the Eviction Lab Eviction Tracking System (Richmond eviction risk, VA), 2020-2021.
Q8
What share of households in tract 18141011501 struggle to pay rent?
About 18.8% 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. 15.1% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q9
How does tract 18141011501 compare to Mishawaka overall?
Tract 18141011501 scores 4.5/10, 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 18141011501 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
River Park
5.4
/ 10 · Moderate
Tract · IN
18141010300
5.4
/ 10 · Moderate
Tract · IN
River Park
5.2
/ 10 · Moderate
Tract · IN
River Park
5
/ 10 · Moderate
Tract · IN
18141011506
4.3
/ 10 · Moderate
Tract · IN
18141011505
4.1
/ 10 · Moderate
Tract · IN
River Park
4
/ 10 · Moderate
Tract · IN
18141010400
3.7
/ 10 · Low
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