Neighborhood · Ranked #20,889 of 84,120 nationally

Horace Mann Eviction Risk: Moderate , Gary

Tract 18089010900 · Lake County, IN · pop 828 · neighborhood within 0.5 mi

The Horace Mann area of Gary anchors census tract 18089010900, which lands at 6.1/10 on landlord eviction risk. That is riskier than about 78% of US census tracts.

Rent eats 30% or more of income for 33% of renter households, a high level, and 33% are severely burdened at 50% or more. The typical renter pays about $1,286 a month while the average household earns $43,828 a year, roughly 35% of income at the averages. Renters make up 49% of occupied homes.

Risk score

5.3

Moderate

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 16% Stable renters 33% Owners 51%

Tract context

Occupied units325

Renter share48.6%

SVI overall0.53

Poverty rate47.5%

Median income$43,828

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Gary and the region

Centroid at 41.5927, -87.3659 · click any tract to drill in

Why Horace Mann scores 5.3

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

47.5% poverty · this tract

10.0

Supply constraint

$1,286 rent vs county FMR

5.7

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: 53

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

70%Socioeconomic
69%Household composition
100%Racial/ethnic minority
7%Housing & transportation

Historical context · 1930s redlining

HOLC grade: C: Definitely Declining

This tract sits within an area graded by the Home Owners' Loan Corporation in the 1930s. Grade C meant mixed-race / working-class neighborhoods rated as risky. 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
57%Grade C
23%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.

29.1%Housing insecurity
26.9%Utility-shutoff threat
44.7%Food insecurity
38.4%SNAP enrollment
20.7%Transit barriers
12.9%No health insurance
19.8%Frequent mental distress
46.4%Any disability

Analysis

What drives eviction risk in Horace Mann

What moves this score most is economic stress at $1/10. That part is specific to this tract, computed from its own rent, income, and poverty figures. 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.

Part of this tract, about 23% of its area, sat in the redlined grade-D zone on 1930s HOLC maps, though its dominant grade was C ("Declining"). That lending history still correlates with present-day rent burden.

In CDC survey modeling, about 29.1% of adults here said they could not pay rent or mortgage at some point in the past year, and 26.9% faced a utility shutoff threat, a common early warning before a filing.

For a landlord, this is a tract where process discipline pays off. Clean paperwork and steady screening keep the elevated risk manageable.

Frequently asked

About tract 18089010900

What is the eviction-risk score for census tract 18089010900?

Census tract 18089010900 in the Horace Mann neighborhood scores 5.3/10 (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 18089010900?

Median gross rent is $1,286/month (ACS 5-year 2023, table B25064). 33% of renter households are cost-burdened.

What is the poverty rate in tract 18089010900?

47.5% of residents in tract 18089010900 live below the federal poverty line (ACS B17001, 2023). Population: 828.

How socially vulnerable is tract 18089010900?

CDC Social Vulnerability Index ranks this tract in the 53th percentile nationally. Sub-themes: socioeconomic 70th, household 69th, minority 100th, housing 7th.

Is tract 18089010900 considered part of Horace Mann?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18089010900 fall within Horace Mann (neighborhood centroid within 0.5 miles, OSM data).

What share of households in tract 18089010900 struggle to pay rent?

About 29.1% 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. 26.9% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 18089010900 compare to Gary overall?

Tract 18089010900 scores 5.3/10, 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 18089010900 historically redlined?

Yes. This tract sits inside an area graded by the Home Owners' Loan Corporation in the 1930s, with a dominant grade of C. 23% 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.