Census Tract · Ranked #42,763 of 84,120 nationally

Holyoke Eviction Risk: Lower

Tract 25013812101 · Hampden County, MA · pop 5,204

Holyoke is where census tract 25013812101 sits, home to 5,204 residents. Its landlord eviction-risk score is 5.6/10. It lands near the 61st percentile nationally for landlord eviction risk.

Rent eats 30% or more of income for 7% of renter households, a modest level, and 7% are severely burdened at 50% or more. Average gross rent is $1,774 monthly, set against $100,230 in average yearly household income, roughly 21% of income at the averages. About 15% of occupied units are renter-occupied.

Risk score

3.9

Lower

Confidence 100% · 1–10 scale

Household mix · 100 hh

Burdened renters 1% Stable renters 14% Owners 85%

Tract context

Occupied units2,061

Renter share14.8%

SVI overall0.38

Poverty rate6.9%

Median income$100,230

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Holyoke and the region

Centroid at 42.1952, -72.6620 · click any tract to drill in

Why Holyoke scores 3.9

9 axes · 1 = landlord-friendly

Local political climate

Inherited from Holyoke

6.3

Regional political climate

2024 county presidential margin

5.9

State political climate

Massachusetts legislature & governorship

6.2

Economic stress

6.9% poverty · this tract

1.7

Supply constraint

$1,774 rent vs county FMR

6.9

Rent control risk

Inherited from Holyoke

6.4

Eviction process difficulty

State law sets the calendar

5.6

Tenant organizing strength

Inherited from Holyoke

9.6

Housing court bias

Inherited from Holyoke

7.4

How Holyoke compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 38

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

38%Socioeconomic
39%Household composition
37%Racial/ethnic minority
43%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
1%Grade B
2%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.

Comparable tracts

Census tracts with similar eviction risk

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.

10.2%Housing insecurity
6.4%Utility-shutoff threat
11.3%Food insecurity
13.3%SNAP enrollment
6.7%Transit barriers
5.1%No health insurance
16.4%Frequent mental distress
32.8%Any disability

Analysis

What drives eviction risk in Holyoke

The heaviest input here is tenant organizing strength at 9.6/10. 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 Holyoke eviction risk, while the economic and supply signals are measured at the tract level.

Set against its neighbors, this tract scores below the Hampden County average of 6.6 and below the Massachusetts statewide average of 5.9. 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 10.2% of adults here said they could not pay rent or mortgage at some point in the past year, and 6.4% 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 25013812101

What is the eviction-risk score for census tract 25013812101?

Census tract 25013812101 in Holyoke scores 3.9/10 (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 25013812101?

Median gross rent is $1,774/month (ACS 5-year 2023, table B25064). 7% of renter households are cost-burdened.

What is the poverty rate in tract 25013812101?

6.9% of residents in tract 25013812101 live below the federal poverty line (ACS B17001, 2023). Population: 5,204.

How socially vulnerable is tract 25013812101?

CDC Social Vulnerability Index ranks this tract in the 38th percentile nationally. Sub-themes: socioeconomic 38th, household 39th, minority 37th, housing 43th.

What share of households in tract 25013812101 struggle to pay rent?

About 10.2% 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. 6.4% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 25013812101 compare to Holyoke overall?

Tract 25013812101 scores 3.9/10, lower than the parent city of Holyoke at 6/10. City-scale signals (state law, local rent controls, court bias) are inherited from Holyoke eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.

Was tract 25013812101 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 Holyoke

Top eight tracts in Holyoke ranked by composite eviction-risk score.