Neighborhood · Ranked #18,240 of 84,120 nationally

Horace Mann Eviction Risk: Moderate , Gary

Tract 18089010400 · Lake County, IN · pop 3,247 · neighborhood within 0.2 mi

Landlord eviction risk in census tract 18089010400 (Horace Mann in Gary, Indiana) comes in at 5.6/10, the Moderate tier. It lands near the 61st percentile nationally for landlord eviction risk.

About 39% of renters carry a rent burden of 30% of income or higher, a high level, and 32% are severely burdened at 50% or more. The typical renter pays about $868 a month while the average household earns $35,300 a year, roughly 30% of income at the averages. Renters make up 48% of occupied homes.

Risk score

5.5

Moderate

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 19% Stable renters 29% Owners 52%

Tract context

Occupied units1,129

Renter share47.7%

SVI overall0.89

Poverty rate23.4%

Median income$35,300

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Gary and the region

Centroid at 41.6023, -87.3623 · click any tract to drill in

Why Horace Mann scores 5.5

9 axes · 1 = landlord-friendly

Local political climate

Inherited from Gary

6.2

Regional political climate

2024 county presidential margin

5.8

State political climate

Indiana legislature & governorship

2.0

Economic stress

23.4% poverty · this tract

5.8

Supply constraint

$868 rent vs county FMR

2.3

Rent control risk

Inherited from Gary

8.2

Eviction process difficulty

State law sets the calendar

2.3

Tenant organizing strength

Inherited from Gary

9.3

Housing court bias

Inherited from Gary

8.7

How Horace Mann compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 89

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

92%Socioeconomic
88%Household composition
100%Racial/ethnic minority
51%Housing & transportation

Historical context · 1930s redlining

HOLC grade: A: Best

This tract sits within an area graded by the Home Owners' Loan Corporation in the 1930s. Grade A meant wealthy, predominantly white neighborhoods favored for lending. These designations suppressed minority homeownership for generations and remain a documented predictor of present-day eviction filings and rent burden.

71%Grade A
0%Grade B
3%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 Horace Mann. 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.

25.4%Housing insecurity
22.1%Utility-shutoff threat
35.3%Food insecurity
27.2%SNAP enrollment
16.6%Transit barriers
10.0%No health insurance
19.7%Frequent mental distress
37.9%Any disability

Analysis

What drives eviction risk in Horace Mann

What moves this score most is tenant organizing strength at 9.3/10. 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 Gary eviction risk, while the economic and supply signals are measured at the tract level.

Set against its neighbors, this tract scores above the Lake County average of 5.2 and above the Indiana statewide average of 4.7. Within its own county it reads on the riskier side for landlords.

In CDC survey modeling, about 25.4% of adults here said they could not pay rent or mortgage at some point in the past year, and 22.1% faced a utility shutoff threat, a common early warning before a filing.

The tract is predominantly Black and ranks around the 89th percentile nationally on the CDC Social Vulnerability Index, a measure of how exposed residents are to housing and economic shocks. High vulnerability tends to track with higher eviction-filing rates when rents climb.

For a landlord, conditions here are middle-of-the-road. Standard screening and prompt, documented notices usually keep cases short.

Frequently asked

About tract 18089010400

What is the eviction-risk score for census tract 18089010400?

Census tract 18089010400 in the Horace Mann neighborhood scores 5.5/10 (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 18089010400?

Median gross rent is $868/month (ACS 5-year 2023, table B25064). 39% of renter households are cost-burdened.

What is the poverty rate in tract 18089010400?

23.4% of residents in tract 18089010400 live below the federal poverty line (ACS B17001, 2023). Population: 3,247.

How socially vulnerable is tract 18089010400?

CDC Social Vulnerability Index ranks this tract in the 89th percentile nationally. Sub-themes: socioeconomic 92th, household 88th, minority 100th, housing 51th.

Is tract 18089010400 considered part of Horace Mann?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18089010400 fall within Horace Mann (neighborhood centroid within 0.2 miles, OSM data).

What share of households in tract 18089010400 struggle to pay rent?

About 25.4% 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. 22.1% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 18089010400 compare to Gary overall?

Tract 18089010400 scores 5.5/10, higher than the parent city of Gary at 3.1/10. City-scale signals (state law, local rent controls, court bias) are inherited from Gary eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.

Was tract 18089010400 historically redlined?

Yes. This tract sits inside an area graded by the Home Owners' Loan Corporation in the 1930s, with a dominant grade of A. 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 Gary

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