Within parent city
91
th percentile
Very High
Census Tract · Ranked #49,882 of 84,120 nationally
Kettering Eviction Risk: Lower
Tract 39113021501 · Montgomery County, OH · pop 2,670
Tract 39113021501 covers Kettering in Montgomery County in Ohio. Home to 2,670 residents, it scores $1/10 on landlord eviction risk. It lands near the 74th percentile nationally for landlord eviction risk.
60% of renter households here spend at least 30% of income on rent, a severe level, and 16% are severely burdened at 50% or more. Average rent runs $1,220 a month against an average household income of $70,662 a year, roughly 21% of income at the averages. About 34% of occupied units are renter-occupied.
Risk score
3.5
Lower
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 21%
Stable renters 14%
Owners 65%
Tract context
Occupied units1,087
Renter share34.0%
SVI overall0.46
Poverty rate18.4%
Median income$70,662
Percentile rank
Higher percentile = riskier than more peers.Within county
48
th percentile
Moderate
Within state
50
th percentile
Moderate
National
41
th percentile
Moderate
Geographic context
Risk heat across Kettering and the region
Centroid at 39.6975, -84.1325 · click any tract to drill in
Why Kettering scores 3.5
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
18.4% poverty · this tract
4.6
Supply constraint
$1,220 rent vs county FMR
6.3
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: 46
CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.
- 44%Socioeconomic
- 53%Household composition
- 32%Racial/ethnic minority
- 48%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
- 16%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)
- 373Total filings over 17 yrs
- 5.66%Avg annual filing rate
- 7.5%Peak (2003)
- 22Filings in 2018 (latest validated)
Filings dropped 31% 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.
- 13.4%Housing insecurity
- 10.4%Utility-shutoff threat
- 16.2%Food insecurity
- 14.8%SNAP enrollment
- 9.6%Transit barriers
- 8.0%No health insurance
- 20.8%Frequent mental distress
- 31.1%Any disability
Analysis
What drives eviction risk in Kettering
The score leans hardest on 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 above 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.
This tract overlaps land the federal Home Owners' Loan Corporation redlined in the 1930s, a dominant grade of D ("Hazardous") across 16% 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.
The tract is predominantly White and ranks around the 46th 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, this is a tract where process discipline pays off. Clean paperwork and steady screening keep the elevated risk manageable.
Frequently asked
About tract 39113021501
Q1
What is the eviction-risk score for census tract 39113021501?
Census tract 39113021501 in Kettering scores 3.5/10 (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 39113021501?
Median gross rent is $1,220/month (ACS 5-year 2023, table B25064). 60% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 39113021501?
18.4% of residents in tract 39113021501 live below the federal poverty line (ACS B17001, 2023). Population: 2,670.
Q4
How socially vulnerable is tract 39113021501?
CDC Social Vulnerability Index ranks this tract in the 46th percentile nationally. Sub-themes: socioeconomic 44th, household 53th, minority 32th, housing 48th.
Q5
How many evictions are filed each year in tract 39113021501?
Princeton Eviction Lab recorded 373 eviction filings across 17 validated years in tract 39113021501 (2000-2018). The average annual filing rate is 5.66% of renter households, peaking at 7.5% in 2003. Source: Eviction Lab tract-validated 2024 release.
Q6
What share of households in tract 39113021501 struggle to pay rent?
About 13.4% 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. 10.4% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q7
How does tract 39113021501 compare to Kettering overall?
Tract 39113021501 scores 3.5/10, 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 39113021501 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. 16% 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
39113020400
3.7
/ 10 · Low
Tract · OH
39113020100
3.4
/ 10 · Low
Tract · OH
South Dayton
3.4
/ 10 · Low
Tract · OH
39113021100
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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