Within parent city
96
th percentile
Very High
Census Tract · Ranked #46,312 of 84,120 nationally
Kettering Eviction Risk: Lower
Tract 39113020400 · Montgomery County, OH · pop 6,819 · 53% of tract blocks fall in Kettering
Eviction risk in Kettering eviction risk centers on tract 39113020400, which scores 5.6/10 (Moderate tier) and is home to 6,819 residents. That is riskier than about 60% of US census tracts.
About 37% of renters carry a rent burden of 30% of income or higher, a high level, and 8% are severely burdened at 50% or more. The typical renter pays about $1,028 a month while the average household earns $75,486 a year, roughly 16% of income at the averages. Renters make up 38% of occupied homes.
Risk score
3.7
Lower
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 14%
Stable renters 24%
Owners 62%
Tract context
Occupied units2,805
Renter share37.8%
SVI overall0.55
Poverty rate20.8%
Median income$75,486
Percentile rank
Higher percentile = riskier than more peers.Within county
51
th percentile
Moderate
Within state
54
th percentile
Moderate
National
45
th percentile
Moderate
Geographic context
Risk heat across Kettering and the region
Centroid at 39.6827, -84.1911 · click any tract to drill in
Why Kettering scores 3.7
9 axes · 1 = landlord-friendlyLocal political climate
Inherited from Kettering
5.6
Regional political climate
2024 county presidential margin
5.1
State political climate
Ohio legislature & governorship
2.4
Economic stress
20.8% poverty · this tract
5.2
Supply constraint
$1,028 rent vs county FMR
4.5
Rent control risk
Inherited from Kettering
5.1
Eviction process difficulty
State law sets the calendar
2.1
Tenant organizing strength
Inherited from Kettering
7.4
Housing court bias
Inherited from Kettering
4.9
How Kettering compares
Risk score vs. parent city, county, state.CDC Social Vulnerability Index
SVI percentile: 55
CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.
- 41%Socioeconomic
- 66%Household composition
- 21%Racial/ethnic minority
- 74%Housing & transportation
Historical context · 1930s redlining
HOLC grade: A: Best
This tract sits within an area graded by the Home Owners' Loan Corporation in the 1930s. Grade A meant wealthy, predominantly white neighborhoods favored for lending. These designations suppressed minority homeownership for generations and remain a documented predictor of present-day eviction filings and rent burden.
- 32%Grade A
- 0%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.
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)
- 699Total filings over 17 yrs
- 4.73%Avg annual filing rate
- 5.4%Peak (2014)
- 45Filings in 2018 (latest validated)
Filings climbed 41% over the past 17 months.
Comparable tracts
Census tracts with similar eviction risk
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.
- 9.8%Housing insecurity
- 7.3%Utility-shutoff threat
- 12.2%Food insecurity
- 10.2%SNAP enrollment
- 7.1%Transit barriers
- 7.4%No health insurance
- 16.4%Frequent mental distress
- 31.2%Any disability
Analysis
What drives eviction risk in Kettering
The heaviest input here is tenant organizing strength at 7.4/10. 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 Kettering 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 Montgomery County average of 5.4 and above the Ohio statewide average of 5.1. Within its own county it reads on the riskier side for landlords.
In CDC survey modeling, about 9.8% of adults here said they could not pay rent or mortgage at some point in the past year, and 7.3% faced a utility shutoff threat, a common early warning before a filing.
The tract is predominantly White and ranks around the 55th 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.
For a landlord, conditions here are middle-of-the-road. Standard screening and prompt, documented notices usually keep cases short.
Frequently asked
About tract 39113020400
Q1
What is the eviction-risk score for census tract 39113020400?
Census tract 39113020400 in Kettering scores 3.7/10 (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 39113020400?
Median gross rent is $1,028/month (ACS 5-year 2023, table B25064). 37% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 39113020400?
20.8% of residents in tract 39113020400 live below the federal poverty line (ACS B17001, 2023). Population: 6,819.
Q4
How socially vulnerable is tract 39113020400?
CDC Social Vulnerability Index ranks this tract in the 55th percentile nationally. Sub-themes: socioeconomic 41th, household 66th, minority 21th, housing 74th.
Q5
How many evictions are filed each year in tract 39113020400?
Princeton Eviction Lab recorded 699 eviction filings across 17 validated years in tract 39113020400 (2000-2018). The average annual filing rate is 4.73% of renter households, peaking at 5.4% in 2014. Source: Eviction Lab tract-validated 2024 release.
Q6
What share of households in tract 39113020400 struggle to pay rent?
About 9.8% 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. 7.3% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q7
How does tract 39113020400 compare to Kettering overall?
Tract 39113020400 scores 3.7/10, higher than the parent city of Kettering at 2.4/10. City-scale signals (state law, local rent controls, court bias) are inherited from Kettering eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.
Q8
Was tract 39113020400 historically redlined?
Yes. This tract sits inside an area graded by the Home Owners' Loan Corporation in the 1930s, with a dominant grade of A. 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 Kettering
Top eight tracts in Kettering ranked by composite eviction-risk score.
Tract · OH
39113021800
4.3
/ 10 · Moderate
Tract · OH
39113021501
3.5
/ 10 · Low
Tract · OH
39113021100
3.4
/ 10 · Low
Tract · OH
39113020100
3.4
/ 10 · Low
Tract · OH
South Dayton
3.4
/ 10 · Low
Tract · OH
39113021502
3.3
/ 10 · Low
Tract · OH
39113021301
3.2
/ 10 · Low
Tract · OH
39113021000
3
/ 10 · Low
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