Neighborhood · Ranked #10,885 of 84,120 nationally

Pearl Village Eviction Risk: Elevated , Lorain

Tract 39093097500 · Lorain County, OH · pop 6,229 · neighborhood within 1.0 mi

Landlord eviction risk in census tract 39093097500 (the Pearl Village neighborhood of Lorain, Ohio) comes in at 6.5/10, the Elevated tier. That is riskier than about 86% of US census tracts.

Rent eats 30% or more of income for 53% of renter households, a severe level, and 35% are severely burdened at 50% or more. The typical renter pays about $837 a month while the average household earns $32,904 a year, roughly 31% of income at the averages. Renters make up 43% of occupied homes.

Risk score

6.1

Elevated

Confidence 100% · 1–10 scale

Household mix · 100 hh

Burdened renters 23% Stable renters 20% Owners 57%

Tract context

Occupied units3,059

Renter share42.6%

SVI overall0.86

Poverty rate31.4%

Median income$32,904

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Lorain and the region

Centroid at 41.4297, -82.1168 · click any tract to drill in

Why Pearl Village scores 6.1

9 axes · 1 = landlord-friendly

Local political climate

Inherited from Lorain

5.4

Regional political climate

2024 county presidential margin

4.9

State political climate

Ohio legislature & governorship

2.4

Economic stress

31.4% poverty · this tract

7.8

Supply constraint

$837 rent vs county FMR

1.9

Rent control risk

Inherited from Lorain

7.1

Eviction process difficulty

State law sets the calendar

2.1

Tenant organizing strength

Inherited from Lorain

8.6

Housing court bias

Inherited from Lorain

8.0

How Pearl Village compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 86

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

82%Socioeconomic
93%Household composition
66%Racial/ethnic minority
64%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
2%Grade C
3%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

Within Pearl Village. 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.

21.5%Housing insecurity
16.0%Utility-shutoff threat
29.8%Food insecurity
27.2%SNAP enrollment
14.3%Transit barriers
17.6%No health insurance
20.9%Frequent mental distress
41.0%Any disability

Analysis

What drives eviction risk in Pearl Village

The score leans hardest on tenant organizing strength at 8.6/10. 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 Lorain eviction risk, while the economic and supply signals are measured at the tract level.

Set against its neighbors, this tract scores above the Lorain County average of 5.3 and above the Ohio statewide average of 5.1. Within its own county it reads on the riskier side for landlords.

This tract overlaps land the federal Home Owners' Loan Corporation redlined in the 1930s, a dominant grade of D ("Hazardous") across 3% of the tract. Redlining cut off mortgage credit to Black, immigrant, and working-class blocks, and those areas still tend to carry higher rent burden and eviction filings today.

In CDC survey modeling, about 21.5% of adults here said they could not pay rent or mortgage at some point in the past year, and 16.0% 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 39093097500

What is the eviction-risk score for census tract 39093097500?

Census tract 39093097500 in the Pearl Village neighborhood scores 6.1/10 (Elevated 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 39093097500?

Median gross rent is $837/month (ACS 5-year 2023, table B25064). 53% of renter households are cost-burdened.

What is the poverty rate in tract 39093097500?

31.4% of residents in tract 39093097500 live below the federal poverty line (ACS B17001, 2023). Population: 6,229.

How socially vulnerable is tract 39093097500?

CDC Social Vulnerability Index ranks this tract in the 86th percentile nationally. Sub-themes: socioeconomic 82th, household 93th, minority 66th, housing 64th.

Is tract 39093097500 considered part of Pearl Village?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 39093097500 fall within Pearl Village (neighborhood centroid within 1.0 miles, OSM data).

What share of households in tract 39093097500 struggle to pay rent?

About 21.5% 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. 16.0% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 39093097500 compare to Lorain overall?

Tract 39093097500 scores 6.1/10, higher than the parent city of Lorain at 2.9/10. City-scale signals (state law, local rent controls, court bias) are inherited from Lorain eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.

Was tract 39093097500 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. 3% 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 Lorain

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