Neighborhood · Ranked #3,529 of 84,120 nationally

Downtown Eviction Risk: High , Schenectady

Tract 36093021001 · Schenectady County, NY · pop 1,278 · neighborhood within 0.1 mi

With a score of 9.2/10, tract 36093021001 in the Downtown area of Schenectady, NY reads high for landlord eviction risk. Severe burden reaches 32%. Those are renters paying half their income or more, and that is where non-payment filings originate.

Risk score

9.2

High

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 56% Stable renters 43% Owners 1%

Tract context

Occupied units687

Renter share98.4%

SVI overall0.83

Poverty rate20.3%

Median income$35,281

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Schenectady and the region

Centroid at 42.8129, -73.9389 · click any tract to drill in

Why Downtown scores 9.2

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

20.3% poverty · this tract

5.1

Supply constraint

$989 rent vs county FMR

1.7

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 Downtown compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 83

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

80%Socioeconomic
46%Household composition
77%Racial/ethnic minority
89%Housing & transportation

Historical context · 1930s redlining

HOLC grade: D: Hazardous (Redlined)

This tract sits within an area graded by the Home Owners' Loan Corporation in the 1930s. Grade D meant Black, immigrant, and poor neighborhoods systematically denied mortgage credit. 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
68%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.

23.5%Housing insecurity
16.5%Utility-shutoff threat
27.4%Food insecurity
27.9%SNAP enrollment
14.9%Transit barriers
9.7%No health insurance
19.6%Frequent mental distress
31.3%Any disability

Analysis

What drives eviction risk in Downtown

98% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building nearby. It sits 2.6 points above the Schenectady County average of 6.6.

The score leans hardest on tenant-organizing strength at 9.4/10. Set annual rent against average income of $35,281 and the ratio lands at 34%, above the conventional 30% ceiling. On the softer side, supply constraint reads 1.7/10.

57% of renter households cross the 30%-of-income line, above the Schenectady County average of 48.2%. Running hot, housing-court posture reads 8.2/10. SNAP participation runs 27.9% against 15.2% nationally.

The poverty rate is 20%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. Housing insecurity runs 23.5% against 14.2% nationally.

Average gross rent is $989, 14% below the Schenectady average. In the 1930s the federal Home Owners' Loan Corporation graded this ground D ("Hazardous"). Redlining cut off mortgage credit to whole blocks for decades, and the areas graded D still carry measurably lower ownership and higher rent burden today.

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

Frequently asked

About tract 36093021001

What is the eviction-risk score for census tract 36093021001?

Census tract 36093021001 in the Downtown neighborhood scores 9.2/10 (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 36093021001?

Median gross rent is $989/month (ACS 5-year 2023, table B25064). 57% of renter households are cost-burdened.

What is the poverty rate in tract 36093021001?

20.3% of residents in tract 36093021001 live below the federal poverty line (ACS B17001, 2023). Population: 1,278.

How socially vulnerable is tract 36093021001?

CDC Social Vulnerability Index ranks this tract in the 83th percentile nationally. Sub-themes: socioeconomic 80th, household 46th, minority 77th, housing 89th.

Is tract 36093021001 considered part of Downtown?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 36093021001 fall within Downtown (neighborhood centroid within 0.1 miles, OSM data).

What share of households in tract 36093021001 struggle to pay rent?

About 23.5% 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. 16.5% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 36093021001 compare to Schenectady overall?

Tract 36093021001 scores 9.2/10, 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 36093021001 historically redlined?

Yes. This tract sits inside an area graded by the Home Owners' Loan Corporation in the 1930s, with a dominant grade of D. 68% 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.