Neighborhood · Ranked #39,308 of 84,120 nationally

"Cheese Box" Eviction Risk: Moderate , Muncie

Tract 18035002000 · Delaware County, IN · pop 5,034 · neighborhood within 1.4 mi

With a score of 4.6/10, tract 18035002000 in the "Cheese Box" area of Muncie, IN reads moderate for landlord eviction risk. It is home to 5,034 residents. Severe burden reaches 28%. Those are renters paying half their income or more, and that is where non-payment filings originate.

Risk score

4.6

Moderate

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 16% Stable renters 16% Owners 68%

Tract context

Occupied units1,953

Renter share32.3%

SVI overall0.75

Poverty rate19.4%

Median income$49,049

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Muncie and the region

Centroid at 40.2132, -85.3536 · click any tract to drill in

Why "Cheese Box" scores 4.6

9 axes · 1 = landlord-friendly

Local political climate

Inherited from Muncie

4.9

Regional political climate

2024 county presidential margin

4.3

State political climate

Indiana legislature & governorship

2.0

Economic stress

19.4% poverty · this tract

4.8

Supply constraint

$979 rent vs county FMR

5.0

Rent control risk

Inherited from Muncie

7.4

Eviction process difficulty

State law sets the calendar

1.5

Tenant organizing strength

Inherited from Muncie

9.0

Housing court bias

Inherited from Muncie

8.3

How "Cheese Box" compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 75

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

76%Socioeconomic
34%Household composition
30%Racial/ethnic minority
92%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
1%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 "Cheese Box". 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.

13.9%Housing insecurity
10.9%Utility-shutoff threat
19.3%Food insecurity
13.4%SNAP enrollment
10.0%Transit barriers
9.5%No health insurance
19.7%Frequent mental distress
38.7%Any disability

Analysis

What drives eviction risk in "Cheese Box"

The dominant input is tenant-organizing strength at 9/10. Running cool, eviction-process difficulty reads 1.5/10.

On the high side, housing-court posture reads 8.3/10. The poverty rate is 19%, which in this model reads as reduced rent-recovery odds after a judgment.

Against Delaware County at 44.5%, about half of renters here are cost-burdened. At $979 a month, rents run 8% over what the rest of Muncie commands.

In the 1930s the federal Home Owners' Loan Corporation graded this ground D ("Hazardous"). Redlining cut off mortgage credit to whole blocks for decades, and the areas graded D still carry measurably lower ownership and higher rent burden today. On the national scale it lands near the 53rd percentile of the 84,120 tracts scored.

Social vulnerability reads 7.7/10 on the CDC index, a measure of exposure to housing and economic shocks. Of its three components the housing type and transport measure is the most pressured.

It tracks the Delaware County average of 4.3 closely. Annual rent works out to 24% of average household income of $49,049. 32% of occupied units are renter-occupied.

These are ACS 5-year estimates; the score moves when the ACS, court-record, or statute inputs behind it move.

Frequently asked

About tract 18035002000

What is the eviction-risk score for census tract 18035002000?

Census tract 18035002000 in the "Cheese Box" neighborhood scores 4.6/10 (Moderate 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 18035002000?

Median gross rent is $979/month (ACS 5-year 2023, table B25064). 49% of renter households are cost-burdened.

What is the poverty rate in tract 18035002000?

19.4% of residents in tract 18035002000 live below the federal poverty line (ACS B17001, 2023). Population: 5,034.

How socially vulnerable is tract 18035002000?

CDC Social Vulnerability Index ranks this tract in the 75th percentile nationally. Sub-themes: socioeconomic 76th, household 34th, minority 30th, housing 92th.

Is tract 18035002000 considered part of "Cheese Box"?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18035002000 fall within "Cheese Box" (neighborhood centroid within 1.4 miles, OSM data).

What share of households in tract 18035002000 struggle to pay rent?

About 13.9% 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. 10.9% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 18035002000 compare to Muncie overall?

Tract 18035002000 scores 4.6/10, higher than the parent city of Muncie at 4.2/10. City-scale signals (state law, local rent controls, court bias) are inherited from Muncie eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.

Was tract 18035002000 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 Muncie

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