Neighborhood · Ranked #29,578 of 84,120 nationally

WitMor Heights Eviction Risk: Moderate , Saginaw

Tract 26145010401 · Saginaw County, MI · pop 2,800 · neighborhood within 0.4 mi

With a score of 6.8/10, tract 26145010401 in the WitMor Heights area of Saginaw ranks in the Elevated tier for landlord eviction risk. The tract is home to 2,800 residents. It lands near the 92nd percentile nationally for landlord eviction risk.

49% of renter households here spend at least 30% of income on rent, a severe level, and 20% are severely burdened at 50% or more. Average gross rent is $887 monthly, set against $55,743 in average yearly household income, roughly 19% of income at the averages. About 34% of occupied units are renter-occupied.

Risk score

4.7

Moderate

Confidence 100% · 1–10 scale

Household mix · 100 hh

Burdened renters 17% Stable renters 18% Owners 65%

Tract context

Occupied units1,192

Renter share34.2%

SVI overall0.71

Poverty rate18.2%

Median income$55,743

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Saginaw and the region

Centroid at 43.4474, -83.9753 · click any tract to drill in

Why WitMor Heights scores 4.7

9 axes · 1 = landlord-friendly

Local political climate

Inherited from Saginaw

5.5

Regional political climate

2024 county presidential margin

5.0

State political climate

Michigan legislature & governorship

3.3

Economic stress

18.2% poverty · this tract

4.6

Supply constraint

$887 rent vs county FMR

3.5

Rent control risk

Inherited from Saginaw

8.8

Eviction process difficulty

State law sets the calendar

3.1

Tenant organizing strength

Inherited from Saginaw

8.3

Housing court bias

Inherited from Saginaw

9.1

How WitMor Heights compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 71

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

49%Socioeconomic
96%Household composition
43%Racial/ethnic minority
65%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
0%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

Within WitMor Heights. 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.

13.3%Housing insecurity
9.8%Utility-shutoff threat
18.4%Food insecurity
16.9%SNAP enrollment
9.1%Transit barriers
8.3%No health insurance
18.1%Frequent mental distress
35.9%Any disability

Analysis

What drives eviction risk in WitMor Heights

What moves this score most is housing court bias at 9.1/10. 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 Saginaw eviction risk, while the economic and supply signals are measured at the tract level.

Set against its neighbors, this tract scores above the Saginaw County average of 6.1 and above the Michigan statewide average of 5.7. Within its own county it reads on the riskier side for landlords.

In CDC survey modeling, about 13.3% of adults here said they could not pay rent or mortgage at some point in the past year, and 9.8% faced a utility shutoff threat, a common early warning before a filing.

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 26145010401

What is the eviction-risk score for census tract 26145010401?

Census tract 26145010401 in the WitMor Heights neighborhood scores 4.7/10 (Moderate tier). The Eviction Risk Score blends state law, county filing rates, parent-city politics, and tract-specific rent-to-income ratios + poverty signals.

What is the average rent in tract 26145010401?

Median gross rent is $887/month (ACS 5-year 2023, table B25064). 49% of renter households are cost-burdened.

What is the poverty rate in tract 26145010401?

18.2% of residents in tract 26145010401 live below the federal poverty line (ACS B17001, 2023). Population: 2,800.

How socially vulnerable is tract 26145010401?

CDC Social Vulnerability Index ranks this tract in the 71th percentile nationally. Sub-themes: socioeconomic 49th, household 96th, minority 43th, housing 65th.

Is tract 26145010401 considered part of WitMor Heights?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 26145010401 fall within WitMor Heights (neighborhood centroid within 0.4 miles, OSM data).

What share of households in tract 26145010401 struggle to pay rent?

About 13.3% 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. 9.8% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 26145010401 compare to Saginaw overall?

Tract 26145010401 scores 4.7/10, higher than the parent city of Saginaw at 3.6/10. City-scale signals (state law, local rent controls, court bias) are inherited from Saginaw eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.

Was tract 26145010401 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 Saginaw

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