Neighborhood · Cumberland, MD

White Oaks Eviction Risk: Elevated

3 census tracts · pop 8,170 · pop-weighted Eviction Risk Score 6.6/10 · range 5.7–7.2

White Oaks is a white (non-hispanic) neighborhood in Cumberland with 3 census tracts and a population of 8,170 residents. The neighborhood's pop-weighted eviction-risk score of 6.6/10 (Elevated tier) blends state law, county-level filing rates, parent-city politics, and tract-specific rent-to-income ratios + poverty. 51% of renters here pay at least 30% of household income on rent, and 25% are severely cost-burdened (≥50% of income). Average gross rent of $728/month sits 2% lower than the Cumberland citywide average ($741).

Risk score

6.6

Elevated

3 tracts · population-weighted

White Oaks vs Cumberland How this neighborhood stacks against the citywide average

% of income on rent

50.7% +65%

Cumberland: 30.8%

Average gross rent

$728 -2%

Cumberland: $741

Average HH income

$41,095 -14%

Cumberland: $47,819

Poverty rate

26.8% +14%

Cumberland: 23.5%

Renter share

45.2% +13%

Cumberland: 40.0%

Peer neighborhoods

Neighborhoods with similar eviction risk

Same county, closest by Eviction Risk Score.

Geographic context

Risk heat across White Oaks and the region

Click any tract to drill in · 3 tracts span score 5.7–7.2

Why White Oaks scores 6.6

9 axes · pop-weighted · 1 = landlord-friendly

State political climate

legislature & governorship · Range 5.7–5.7 across tracts

5.7

Regional political climate

County-level mix · 2024 presidential margin · Range 3.1–3.1 across tracts

3.1

Local political climate

Parent city governance · Range 3.8–3.8 across tracts

3.8

Rent control risk

51% of income on rent · Range 7.1–7.1 across tracts

7.1

Eviction process difficulty

State notice requirements & court backlog · Range 5.8–5.8 across tracts

5.8

Tenant organizing strength

45% renter households · Range 8.4–8.4 across tracts

8.4

Housing court bias

County bench composition · Range 7.8–7.8 across tracts

7.8

Economic stress

26.8% below poverty line · Range 3.4–8.9 across tracts

6.7

Supply constraint

Rent-to-FMR gap & zoning friction · Range 1.8–4.5 across tracts

2.8

Risk score comparison

White Oaks vs. parent city, state, U.S.

Eviction Risk Score (0–10 scale).

Variance across tracts

How uniformly does eviction risk play out in White Oaks?

Left: distribution of constituent tract scores. Right: every tract as a heat square. Click any square to drill in.

Score distribution

0246810

Spread of 1.5 points from 5.7 to 7.2. Moderate variation across constituent tracts.

Tracts as heat grid

7.2 7.2 5.7

Each square = one census tract. Color tracks the same green→red ramp as the chloropleth map above.

Census tracts

3 tracts in White Oaks

Ranked highest-risk first. Click for per-tract detail.

Tract↕	Score↕	Pop↕	% over 30% on rent↕	Average rent↕
24001000700	7.2	3,233	56%	$717
24001000800	7.2	1,932	57%	$883
24001000600	5.7	3,005	41%	$639

Social Vulnerability Index

CDC SVI percentile: 63

Pop-weighted across 3 tracts. Higher = more vulnerable to disaster, displacement, and rent shocks. Source: CDC/ATSDR SVI 2022.

Socioeconomic status 66%ile

Poverty, unemployment, no-HS-diploma, housing cost burden

Household characteristics 76%ile

Single-parent HH, disability, language barriers, age 17- / 65+

Racial/ethnic minority 13%ile

Hispanic + non-white share of population

Housing & transport 50%ile

Multi-unit structures, mobile homes, crowding, no vehicle

CDC PLACES 2023 · pop-weighted

Eviction-adjacent indicators in White Oaks

Average across all constituent tracts, population-weighted. Source: CDC PLACES (cwsq-ngmh) crude prevalence.

16.0%Housing insecurity
11.3%Utility shutoff threat
22.5%Food insecurity
22.6%SNAP enrollment
10.4%No health insurance
39.8%Any disability

Frequently asked

About White Oaks

What is the eviction-risk score for White Oaks?

White Oaks scores 6.6/10 (Elevated tier) across 3 census tracts. The pop-weighted Eviction Risk Score blends state law, county filing rates, parent-city politics, and tract-specific rent-to-income and poverty signals.

How does White Oaks compare to Cumberland overall?

White Oaks scores 0.8 points higher than Cumberland overall (5.8/10). Renters spend 51% of income on rent vs 31% citywide. Average rent: $728 vs $741.

What is the average rent in White Oaks?

Average gross rent in White Oaks is $728/month (pop-weighted across 3 census tracts, ACS 5-year 2023). 51% of renter households are cost-burdened.

What percentage of White Oaks residents are renters?

45% of White Oaks households are renter-occupied (vs 40% in Cumberland). The neighborhood has 8,170 residents.

Is White Oaks a high social-vulnerability area?

White Oaks sits in the 63rd percentile nationally on the CDC Social Vulnerability Index (moderately vulnerable). The index combines poverty, unemployment, household composition, racial/ethnic minority share, and housing/transportation factors across all US census tracts.

Which tracts in White Oaks have the highest eviction risk?

The highest-risk constituent tract in White Oaks is census tract 24001000700 (score 7.2/10). Across the 3 tracts in this neighborhood the score ranges from 5.7 to 7.2, a spread of 1.5 points.

How safe is White Oaks for landlords?

White Oaks carries a elevated-tier eviction-risk profile for landlords (6.6/10). Pop-weighted across 3 constituent tracts, the score blends parent-city rent-control posture, county eviction-process timelines, and tract-specific rent-to-income / poverty signals. Compared to Cumberland as a whole (5.8/10), this neighborhood is higher-risk.

What is the demographic breakdown of White Oaks?

White Oaks has 8,178 residents (White (non-Hispanic) Neighborhood). Top groups: White (non-Hispanic) (90.5%), Other / Multiracial (5.6%), Hispanic / Latino (2%). Source: ACS 5-year 2023, table B03002.

Nearby

Other neighborhoods near White Oaks

3.5 The Dingle 2 tracts · pop 4,523

Sibling neighborhoods

Other neighborhoods inside Cumberland

Same parent city, ranked by score similarity to White Oaks.

6.9 Rolling Mills 1 tracts · pop 2,304 6.2 West Side 1 tracts · pop 1,327 7.3 Olde North End 1 tracts · pop 1,928 3.7 The Dingle 2 tracts · pop 4,523

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