Within neighborhood
50
th percentile
Moderate
Neighborhood · Ranked #28,017 of 84,120 nationally
Light Oak Eviction Risk: Moderate , Shelby
Tract 37045950701 · Cleveland County, NC · pop 4,271 · neighborhood within 0.3 mi
Landlord eviction risk in census tract 37045950701 (the Light Oak neighborhood of Shelby, North Carolina) comes in at 5.8/10, the Moderate tier. That is riskier than about 67% of US census tracts.
Rent eats 30% or more of income for 40% of renter households, a severe level, and 5% are severely burdened at 50% or more. Average rent runs $736 a month against an average household income of $52,378 a year, roughly 17% of income at the averages. About 31% of occupied units are renter-occupied.
Risk score
4.8
Moderate
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 12%
Stable renters 19%
Owners 69%
Tract context
Occupied units1,473
Renter share31.0%
SVI overall0.89
Poverty rate20.2%
Median income$52,378
Percentile rank
Higher percentile = riskier than more peers.Within parent city
71
th percentile
Elevated
Within county
70
th percentile
Elevated
Within state
78
th percentile
High
Geographic context
Risk heat across Shelby and the region
Centroid at 35.2894, -81.4772 · click any tract to drill in
Why Light Oak scores 4.8
9 axes · 1 = landlord-friendlyLocal political climate
Inherited from Shelby
4.0
Regional political climate
2024 county presidential margin
3.4
State political climate
North Carolina legislature & governorship
2.3
Economic stress
20.2% poverty · this tract
5.1
Supply constraint
$736 rent vs county FMR
2.9
Rent control risk
Inherited from Shelby
5.9
Eviction process difficulty
State law sets the calendar
2.4
Tenant organizing strength
Inherited from Shelby
8.2
Housing court bias
Inherited from Shelby
6.7
How Light Oak compares
Risk score vs. parent city, county, state.CDC Social Vulnerability Index
SVI percentile: 89
CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.
- 93%Socioeconomic
- 64%Household composition
- 71%Racial/ethnic minority
- 83%Housing & transportation
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.
- 12.8%Housing insecurity
- 9.0%Utility-shutoff threat
- 17.2%Food insecurity
- 15.0%SNAP enrollment
- 9.0%Transit barriers
- 10.1%No health insurance
- 16.4%Frequent mental distress
- 37.8%Any disability
Analysis
What drives eviction risk in Light Oak
The score leans hardest on tenant organizing strength at 8.2/10. 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 Shelby 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 Cleveland County average of 5.7 and above the North Carolina statewide average of 5.3. Within its own county it reads on the riskier side for landlords.
The tract is White and Black and ranks around the 89th percentile nationally on the CDC Social Vulnerability Index, a measure of how exposed residents are to housing and economic shocks. High vulnerability tends to track with higher eviction-filing rates when rents climb.
In CDC survey modeling, about 12.8% of adults here said they could not pay rent or mortgage at some point in the past year, and 9.0% faced a utility shutoff threat, a common early warning before a filing.
For a landlord, conditions here are middle-of-the-road. Standard screening and prompt, documented notices usually keep cases short.
Frequently asked
About tract 37045950701
Q1
What is the eviction-risk score for census tract 37045950701?
Census tract 37045950701 in the Light Oak neighborhood scores 4.8/10 (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 37045950701?
Median gross rent is $736/month (ACS 5-year 2023, table B25064). 40% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 37045950701?
20.2% of residents in tract 37045950701 live below the federal poverty line (ACS B17001, 2023). Population: 4,271.
Q4
How socially vulnerable is tract 37045950701?
CDC Social Vulnerability Index ranks this tract in the 89th percentile nationally. Sub-themes: socioeconomic 93th, household 64th, minority 71th, housing 83th.
Q5
Is tract 37045950701 considered part of Light Oak?
Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 37045950701 fall within Light Oak (neighborhood centroid within 0.3 miles, OSM data).
Q6
What share of households in tract 37045950701 struggle to pay rent?
About 12.8% 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. 9.0% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q7
How does tract 37045950701 compare to Shelby overall?
Tract 37045950701 scores 4.8/10, higher than the parent city of Shelby at 2.6/10. City-scale signals (state law, local rent controls, court bias) are inherited from Shelby eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.
Sibling tracts
Highest-risk tracts in Shelby
Top eight tracts in Shelby ranked by composite eviction-risk score.
Tract · NC
Crestmont Heights
5.8
/ 10 · Elevated
Tract · NC
Gidney Homes
5.8
/ 10 · Elevated
Tract · NC
Westwood Heights
4.7
/ 10 · Moderate
Tract · NC
Stonegate
4.4
/ 10 · Moderate
Tract · NC
Carriage Run
4.1
/ 10 · Moderate
Tract · NC
Rocky Brook
3.9
/ 10 · Low
Tract · NC
37045951300
3.9
/ 10 · Low
Related