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Neighborhood · Ranked #11,153 of 84,120 nationally

Clearfield Terrace Eviction Risk: Elevated , Bethlehem

Tract 42095010500 · Northampton County, PA · pop 4,422 · neighborhood within 0.5 mi

42095010500 is a census tract in the Clearfield Terrace area of Bethlehem, PA. It scores 7.3/10 for landlords. It sits 2.8 points above the Northampton County average of 4.5.

Risk score
7.3
Elevated
Confidence 85% · 1–10 scale
Household mix · 100 hh
Burdened renters 30% Stable renters 46% Owners 24%
Tract context
Occupied units1,791
Renter share75.7%
SVI overall0.96
Poverty rate29.3%
Median income$34,129

Percentile rank

Higher percentile = riskier than more peers.
Within neighborhood
100 th percentile
Rank, 100th percentileLowHigh
#1 of 2 tracts In Clearfield Terrace
Very High
Within parent city
83 th percentile
Rank, 83rd percentileLowHigh
#4 of 19 tracts In Bethlehem
High
Within county
92 th percentile
Rank, 92nd percentileLowHigh
#7 of 74 tracts In Northampton County
Very High
Within state
94 th percentile
Rank, 94th percentileLowHigh
#207 of 3,445 tracts In Pennsylvania
Very High
Geographic context

Risk heat across Bethlehem and the region

Centroid at 40.6243, -75.3526 · click any tract to drill in

Why Clearfield Terrace scores 7.3

9 axes · 1 = landlord-friendly
Local political climate
Inherited from Bethlehem
5.5
Regional political climate
2024 county presidential margin
5.0
State political climate
Pennsylvania legislature & governorship
3.4
Economic stress
29.3% poverty · this tract
7.3
Supply constraint
tract rent vs county FMR
5.0
Rent control risk
Inherited from Bethlehem
7.1
Eviction process difficulty
State law sets the calendar
3.5
Tenant organizing strength
Inherited from Bethlehem
9.1
Housing court bias
Inherited from Bethlehem
7.1

How Clearfield Terrace compares

Risk score vs. parent city, county, state.
Clearfield Terrace risk score vs. parent city / county / state7.3This tracttract 0105005.9Bethlehemparent city4.5Countyavg tract in county4.6Stateavg tract in state
CDC Social Vulnerability Index

SVI percentile: 96

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

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.

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)

  • 598Total filings over 7 yrs
  • 6.66%Avg annual filing rate
  • 9.9%Peak (2006)
  • 121Filings in 2006 (latest validated)
Filings by year 2000 to 2006
Year-by-year eviction filings in tract 42095010500
Filings climbed 109% over the past 7 months.
Comparable tracts

Census tracts with similar eviction risk

Within Clearfield Terrace. Closest by Eviction Risk Score.

Analysis

What drives eviction risk in Clearfield Terrace

The score leans hardest on tenant-organizing strength at 9.1/10. 76% 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. 22% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears.

Sitting well above the midpoint, court filing pressure reads 8.5/10. The poverty rate is 29%, which in this model reads as reduced rent-recovery odds after a judgment. On the high side, economic stress reads 7.3/10.

Princeton's Eviction Lab logged 598 filings here across 7 tracked years. The worst year on record was 2006, when 9.9% of renter households were served.

This ground was mapped D ("Hazardous") on the 1930s HOLC security maps for Bethlehem. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above. In a typical year about 6.7% of renter households face a filing.

Nationally it ranks #11,153 of 84,120 for landlord eviction difficulty. On the CDC Social Vulnerability Index the tract reads 9.7/10, which tracks how hard a shock lands on the households already here.

Tract-level figures come from the ACS 5-year release and are rebuilt whenever that, the court-record feed, or the statutory ledger behind the score changes.

Frequently asked

About tract 42095010500

Q1

What is the eviction-risk score for census tract 42095010500?

Census tract 42095010500 in the Clearfield Terrace neighborhood scores 7.3/10 (Elevated tier). The Eviction Risk Score blends state law, county filing rates, parent-city politics, and tract-specific rent-to-income ratios + poverty signals.
Q2

What is the poverty rate in tract 42095010500?

29.3% of residents in tract 42095010500 live below the federal poverty line (ACS B17001, 2023). Population: 4,422.
Q3

How socially vulnerable is tract 42095010500?

CDC Social Vulnerability Index ranks this tract in the 96th percentile nationally. Sub-themes: socioeconomic 90th, household 100th, minority 84th, housing 66th.
Q4

Is tract 42095010500 considered part of Clearfield Terrace?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 42095010500 fall within Clearfield Terrace (neighborhood centroid within 0.5 miles, OSM data).
Q5

How many evictions are filed each year in tract 42095010500?

Princeton Eviction Lab recorded 598 eviction filings across 7 validated years in tract 42095010500 (2000-2018). The average annual filing rate is 6.66% of renter households, peaking at 9.9% in 2006. Source: Eviction Lab tract-validated 2024 release.
Q6

How does tract 42095010500 compare to Bethlehem overall?

Tract 42095010500 scores 7.3/10, higher than the parent city of Bethlehem at 5.9/10. City-scale signals (state law, local rent controls, court bias) are inherited from Bethlehem eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.
Q7

Was tract 42095010500 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. 1% 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 Bethlehem

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

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