Ambridge Eviction Risk: Moderate , Gary

What pushes it up most is tenant-organizing strength at 9.3/10. Running hot, housing-court posture reads 8.7/10. This is renter territory: 73% of occupied units are tenant-occupied.

Inability to pay a utility bill runs 25.6% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. The severe-burden share is 18%, and it is the single best predictor in this model of a filing that actually reaches judgment.

Sitting well above the midpoint, rent-regulation exposure reads 8.2/10. It sits 1.3 points above the Lake County average of 4.4. The poverty rate is 19%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest.

Average gross rent is $913, 10% below the Gary average. In the 1930s the federal Home Owners' Loan Corporation graded this ground C ("Definitely Declining"). 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. Nationally it ranks #21,564 of 84,120 for landlord eviction difficulty.

Social vulnerability reads 9/10 on the CDC index, a measure of exposure to housing and economic shocks.

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.