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Neighborhood · Ranked #13,119 of 84,120 nationally

Oakdale Eviction Risk: Moderate , Holyoke

Tract 25013812104 · Hampden County, MA · pop 4,039 · neighborhood within 1.1 mi

Landlord eviction risk in census tract 25013812104 (Oakdale in Holyoke, Massachusetts) comes in at 7.2/10, the Elevated tier. On the national scale it ranks #2,825 of 84,120 for landlord eviction difficulty.

Rent eats 30% or more of income for 55% of renter households, a severe level, and 15% are severely burdened at 50% or more. Average gross rent is $1,088 monthly, set against $52,438 in average yearly household income, roughly 25% of income at the averages. Renters make up 52% of occupied homes, a renter-majority tract.

Risk score
5.9
Moderate
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 29% Stable renters 24% Owners 47%
Tract context
Occupied units1,859
Renter share52.1%
SVI overall0.82
Poverty rate22.6%
Median income$52,438

Percentile rank

Higher percentile = riskier than more peers.
Within neighborhood
50 th percentile
Rank, 50th percentileLowHigh
#2 of 3 tracts In Oakdale
Moderate
Within parent city
30 th percentile
Rank, 30th percentileLowHigh
#8 of 11 tracts In Holyoke
Low
Within county
72 th percentile
Rank, 72nd percentileLowHigh
#30 of 104 tracts In Hampden County
Elevated
Within state
89 th percentile
Rank, 89th percentileLowHigh
#183 of 1,613 tracts In Massachusetts
High
Geographic context

Risk heat across Holyoke and the region

Centroid at 42.1930, -72.6297 · click any tract to drill in

Why Oakdale scores 5.9

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
22.6% poverty · this tract
5.6
Supply constraint
$1,088 rent vs county FMR
2.3
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 Oakdale compares

Risk score vs. parent city, county, state.
Oakdale risk score vs. parent city / county / stateThis tract: 5.95.9This tracttract 812104Holyoke: 6.06.0Holyokeparent cityCounty: 4.64.6Countyavg tract in countyState: 3.53.5Stateavg tract in state
CDC Social Vulnerability Index

SVI percentile: 82

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

Historical context · 1930s redlining

HOLC grade: B: Still Desirable

This tract sits within an area graded by the Home Owners' Loan Corporation in the 1930s. Grade B meant middle-class areas with mortgage access. These designations suppressed minority homeownership for generations and remain a documented predictor of present-day eviction filings and rent burden.

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

Within Oakdale. 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.

Analysis

What drives eviction risk in Oakdale

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 above the Hampden County average of 6.6 and above the Massachusetts statewide average of 5.9. Within its own county it reads on the riskier side for landlords.

The tract is White and Hispanic or Latino and ranks around the 82nd 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.

In CDC survey modeling, about 24.0% of adults here said they could not pay rent or mortgage at some point in the past year, and 16.4% faced a utility shutoff threat, a common early warning before a filing.

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 25013812104

Q1

What is the eviction-risk score for census tract 25013812104?

Census tract 25013812104 in the Oakdale neighborhood scores 5.9/10 (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 25013812104?

Median gross rent is $1,088/month (ACS 5-year 2023, table B25064). 55% of renter households are cost-burdened.
Q3

What is the poverty rate in tract 25013812104?

22.6% of residents in tract 25013812104 live below the federal poverty line (ACS B17001, 2023). Population: 4,039.
Q4

How socially vulnerable is tract 25013812104?

CDC Social Vulnerability Index ranks this tract in the 82th percentile nationally. Sub-themes: socioeconomic 58th, household 93th, minority 65th, housing 86th.
Q5

Is tract 25013812104 considered part of Oakdale?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 25013812104 fall within Oakdale (neighborhood centroid within 1.1 miles, OSM data).
Q6

What share of households in tract 25013812104 struggle to pay rent?

About 24.0% 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. 16.4% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q7

How does tract 25013812104 compare to Holyoke overall?

Tract 25013812104 scores 5.9/10, right in line with 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.
Q8

Was tract 25013812104 historically redlined?

Yes. This tract sits inside an area graded by the Home Owners' Loan Corporation in the 1930s, with a dominant grade of B. 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.

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