Within neighborhood
0
th percentile
Very Low
Neighborhood · Ranked #77,226 of 84,120 nationally
Overlook Eviction Risk: Lower , Summit
Tract 34039037601 · Union County, NJ · pop 4,913 · neighborhood within 1.4 mi
Census tract 34039037601 belongs to the Overlook area of Summit, New Jersey. It is home to 4,913 residents and scores 6.5/10, an elevated reading for landlords. That is riskier than roughly 87% of the 84,120 US census tracts we score.
51% of renter households here spend at least 30% of income on rent, a severe level, and 20% are severely burdened at 50% or more. The typical renter pays about $2,270 a month while the average household earns $143,333 a year, roughly 19% of income at the averages. About 25% of occupied units are renter-occupied.
Risk score
1.7
Lower
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 13%
Stable renters 12%
Owners 75%
Tract context
Occupied units1,842
Renter share24.8%
SVI overall0.44
Poverty rate5.0%
Median income$143,333
Percentile rank
Higher percentile = riskier than more peers.Within parent city
50
th percentile
Moderate
Within county
10
th percentile
Very Low
Within state
11
th percentile
Very Low
Geographic context
Risk heat across Summit and the region
Centroid at 40.6980, -74.3344 · click any tract to drill in
Why Overlook scores 1.7
9 axes · 1 = landlord-friendlyLocal political climate
Inherited from Summit
7.1
Regional political climate
2024 county presidential margin
6.8
State political climate
New Jersey legislature & governorship
6.8
Economic stress
5.0% poverty · this tract
1.3
Supply constraint
$2,270 rent vs county FMR
5.6
Rent control risk
Inherited from Summit
3.7
Eviction process difficulty
State law sets the calendar
6.9
Tenant organizing strength
Inherited from Summit
4.8
Housing court bias
Inherited from Summit
2.7
How Overlook compares
Risk score vs. parent city, county, state.CDC Social Vulnerability Index
SVI percentile: 44
CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.
- 33%Socioeconomic
- 68%Household composition
- 58%Racial/ethnic minority
- 39%Housing & transportation
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.
- 0%Grade A
- 8%Grade B
- 6%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.
Eviction filings
Court-record eviction history
Court-validated eviction filings collected from county clerks and consolidated by the Eviction Lab at Princeton University. Filing rate is filings per 100 renter households.1
Historic baseline (2000–2018)
- 80Total filings over 4 yrs
- 4.06%Avg annual filing rate
- 5.9%Peak (2018)
- 29Filings in 2018 (latest validated)
Filings climbed 123% over the past 4 months.
Comparable tracts
Census tracts with similar eviction risk
Within Overlook. 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.
- 7.9%Housing insecurity
- 4.3%Utility-shutoff threat
- 8.5%Food insecurity
- 4.4%SNAP enrollment
- 4.9%Transit barriers
- 7.9%No health insurance
- 13.2%Frequent mental distress
- 21.5%Any disability
Analysis
What drives eviction risk in Overlook
What moves this score most is eviction process difficulty at 6.9/10. 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 Summit 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 Union County average of 6.6 and in line with the New Jersey statewide average of 6.6. Within its own county it reads on the safer side for landlords.
The tract is White and Hispanic or Latino and ranks around the 44th percentile nationally on the CDC Social Vulnerability Index, a measure of how exposed residents are to housing and economic shocks. That is a middle-of-the-pack reading for social vulnerability.
HOLC surveyors mapped this tract in the 1930s with a dominant grade of B ("Still Desirable"), 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 34039037601
Q1
What is the eviction-risk score for census tract 34039037601?
Census tract 34039037601 in the Overlook neighborhood scores 1.7/10 (Lower tier). The Eviction Risk Score blends state law, county filing rates, parent-city politics, and tract-specific rent-to-income ratios + poverty signals.
Q2
What is the average rent in tract 34039037601?
Median gross rent is $2,270/month (ACS 5-year 2023, table B25064). 51% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 34039037601?
5.0% of residents in tract 34039037601 live below the federal poverty line (ACS B17001, 2023). Population: 4,913.
Q4
How socially vulnerable is tract 34039037601?
CDC Social Vulnerability Index ranks this tract in the 44th percentile nationally. Sub-themes: socioeconomic 33th, household 68th, minority 58th, housing 39th.
Q5
Is tract 34039037601 considered part of Overlook?
Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 34039037601 fall within Overlook (neighborhood centroid within 1.4 miles, OSM data).
Q6
How many evictions are filed each year in tract 34039037601?
Princeton eviction risk Eviction Lab recorded 80 eviction filings across 4 validated years in tract 34039037601 (2000-2018). The average annual filing rate is 4.06% of renter households, peaking at 5.9% in 2018. Source: Eviction Lab tract-validated 2024 release.
Q7
What share of households in tract 34039037601 struggle to pay rent?
About 7.9% 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. 4.3% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q8
How does tract 34039037601 compare to Summit overall?
Tract 34039037601 scores 1.7/10, lower than the parent city of Summit at 7.4/10. City-scale signals (state law, local rent controls, court bias) are inherited from Summit eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.
Q9
Was tract 34039037601 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 Summit
Top eight tracts in Summit ranked by composite eviction-risk score.
Related