Neighborhood · Ranked #5,730 of 84,120 nationally

Union Street Eviction Risk: High , Schenectady

Tract 36093020500 · Schenectady County, NY · pop 5,267 · neighborhood within 0.4 mi

36093020500 is a census tract in the Union Street area of Schenectady, NY. It scores 8.4/10 for landlords. It is home to 5,267 residents. Severe burden reaches 47%. Those are renters paying half their income or more, and that is where non-payment filings originate.

Risk score

8.4

High

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 14% Stable renters 7% Owners 79%

Tract context

Occupied units1,950

Renter share21.0%

SVI overall0.28

Poverty rate15.1%

Median income$75,889

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Schenectady and the region

Centroid at 42.8122, -73.9091 · click any tract to drill in

Why Union Street scores 8.4

9 axes · 1 = landlord-friendly

Local political climate

Inherited from Schenectady

6.2

Regional political climate

2024 county presidential margin

5.8

State political climate

New York legislature & governorship

7.3

Economic stress

15.1% poverty · this tract

3.8

Supply constraint

$1,656 rent vs county FMR

6.1

Rent control risk

Inherited from Schenectady

7.9

Eviction process difficulty

State law sets the calendar

7.1

Tenant organizing strength

Inherited from Schenectady

9.4

Housing court bias

Inherited from Schenectady

8.2

How Union Street compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 28

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

25%Socioeconomic
15%Household composition
49%Racial/ethnic minority
51%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.

6%Grade A
80%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.

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.

13.0%Housing insecurity
8.0%Utility-shutoff threat
14.6%Food insecurity
12.9%SNAP enrollment
8.2%Transit barriers
6.3%No health insurance
16.3%Frequent mental distress
27.3%Any disability

Analysis

What drives eviction risk in Union Street

67% of renter households cross the 30%-of-income line, markedly above the Schenectady County average of 48.2%. At $1,656 a month, rents run 45% over what the rest of Schenectady commands.

The score leans hardest on tenant-organizing strength at 9.4/10. Against the Schenectady County average of 6.6, this tract reads riskier for landlords by 1.8 points. Sitting well above the midpoint, housing-court posture reads 8.2/10.

On the high side, rent-regulation exposure reads 7.9/10. This ground was mapped B ("Still Desirable") on the 1930s HOLC security maps for Schenectady. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above.

Nationally it ranks #5,730 of 84,120 for landlord eviction difficulty. Only 21% of units are renter-occupied. Rental comparables are thin; price a renewal off the nearest genuine rental sub-market rather than off surrounding sale prices.

Social vulnerability reads 3.5/10 on the CDC index, a measure of exposure to housing and economic shocks. Of its three components the household composition measure is the least pressured.

Annual rent works out to 26% of average household income of $75,889.

All figures here are ACS 5-year estimates for this tract, refreshed as the underlying releases land.

Frequently asked

About tract 36093020500

What is the eviction-risk score for census tract 36093020500?

Census tract 36093020500 in the Union Street neighborhood scores 8.4/10 (High 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 36093020500?

Median gross rent is $1,656/month (ACS 5-year 2023, table B25064). 67% of renter households are cost-burdened.

What is the poverty rate in tract 36093020500?

15.1% of residents in tract 36093020500 live below the federal poverty line (ACS B17001, 2023). Population: 5,267.

How socially vulnerable is tract 36093020500?

CDC Social Vulnerability Index ranks this tract in the 28th percentile nationally. Sub-themes: socioeconomic 25th, household 15th, minority 49th, housing 51th.

Is tract 36093020500 considered part of Union Street?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 36093020500 fall within Union Street (neighborhood centroid within 0.4 miles, OSM data).

What share of households in tract 36093020500 struggle to pay rent?

About 13.0% 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. 8.0% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 36093020500 compare to Schenectady overall?

Tract 36093020500 scores 8.4/10, higher than the parent city of Schenectady at 7.8/10. City-scale signals (state law, local rent controls, court bias) are inherited from Schenectady eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.

Was tract 36093020500 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 Schenectady

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