Within parent city
0
th percentile
Very Low
Census Tract · Ranked #18,240 of 84,120 nationally
Garfield Eviction Risk: Moderate
Tract 34003021102 · Bergen County, NJ · pop 2,587
For landlords sizing up Garfield, census tract 34003021102 carries an elevated eviction-risk score of 6.4/10. That is riskier than about 85% of US census tracts.
About 41% of renters carry a rent burden of 30% of income or higher, a severe level, and 28% are severely burdened at 50% or more. Average gross rent is $1,689 monthly, set against $86,434 in average yearly household income, roughly 23% of income at the averages. About 42% of occupied units are renter-occupied.
Risk score
5.5
Moderate
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 17%
Stable renters 24%
Owners 59%
Tract context
Occupied units1,021
Renter share41.8%
SVI overall0.21
Poverty rate3.9%
Median income$86,434
Percentile rank
Higher percentile = riskier than more peers.Within county
83
th percentile
High
Within state
72
th percentile
Elevated
National
78
th percentile
High
Geographic context
Risk heat across Garfield and the region
Centroid at 40.8845, -74.1086 · click any tract to drill in
Why Garfield scores 5.5
9 axes · 1 = landlord-friendlyLocal political climate
Inherited from Garfield
6.2
Regional political climate
2024 county presidential margin
5.8
State political climate
New Jersey legislature & governorship
6.8
Economic stress
3.9% poverty · this tract
1.0
Supply constraint
$1,689 rent vs county FMR
3.2
Rent control risk
Inherited from Garfield
6.8
Eviction process difficulty
State law sets the calendar
6.3
Tenant organizing strength
Inherited from Garfield
9.4
Housing court bias
Inherited from Garfield
6.7
How Garfield compares
Risk score vs. parent city, county, state.CDC Social Vulnerability Index
SVI percentile: 21
CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.
- 56%Socioeconomic
- 5%Household composition
- 27%Racial/ethnic minority
- 17%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
- 50%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.
- 13.3%Housing insecurity
- 7.3%Utility-shutoff threat
- 14.1%Food insecurity
- 8.3%SNAP enrollment
- 7.5%Transit barriers
- 12.5%No health insurance
- 16.8%Frequent mental distress
- 23.6%Any disability
Analysis
What drives eviction risk in Garfield
What moves this score most is tenant organizing strength at 9.4/10. 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 Garfield eviction risk, while the economic and supply signals are measured at the tract level.
Set against its neighbors, this tract scores about the same as the Bergen County average of 6.3 and in line with the New Jersey statewide average of 6.6. Within its own county it reads on the riskier 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 13.3% of adults here said they could not pay rent or mortgage at some point in the past year, and 7.3% 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 34003021102
Q1
What is the eviction-risk score for census tract 34003021102?
Census tract 34003021102 in Garfield scores 5.5/10 (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 34003021102?
Median gross rent is $1,689/month (ACS 5-year 2023, table B25064). 41% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 34003021102?
3.9% of residents in tract 34003021102 live below the federal poverty line (ACS B17001, 2023). Population: 2,587.
Q4
How socially vulnerable is tract 34003021102?
CDC Social Vulnerability Index ranks this tract in the 21th percentile nationally. Sub-themes: socioeconomic 56th, household 5th, minority 27th, housing 17th.
Q5
What share of households in tract 34003021102 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. 7.3% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q6
How does tract 34003021102 compare to Garfield overall?
Tract 34003021102 scores 5.5/10, lower than the parent city of Garfield at 7.6/10. City-scale signals (state law, local rent controls, court bias) are inherited from Garfield eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.
Q7
Was tract 34003021102 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 Garfield
Top eight tracts in Garfield ranked by composite eviction-risk score.
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