"Cheese Box" Eviction Risk: Moderate , Muncie

The dominant input is economic stress at 10/10. The poverty rate is 56%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. Against Delaware County at 44.5%, 59% of renters here are cost-burdened.

Sitting well above the midpoint, tenant-organizing strength reads 9/10. This is renter territory: 81% of occupied units are tenant-occupied.

Annualized rent equals 37% of average household income of $33,500, past the 30% affordability line, which thins the margin any screening standard has to work with. Well under the midpoint, eviction-process difficulty reads 1.5/10.

Against the Delaware County average of 4.3, this tract reads riskier for landlords by 1.3 points. Food insecurity runs 28.3% against 17.8% nationally.

Average gross rent is $1,021, 13% above the Muncie average. Inability to pay a utility bill runs 14.6% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

This ground was mapped B ("Still Desirable") on the 1930s HOLC security maps for Muncie. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above. On the national scale it lands near the 73rd percentile of the 84,120 tracts scored.

All figures here are ACS 5-year estimates for this tract, refreshed as the underlying releases land.