Neighborhood · Ranked #18,163 of 84,120 nationally

Horace Mann Eviction Risk: Elevated , Gary

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

Tract 18089010900 sits in the Horace Mann area of Gary eviction risk, IN, carrying an eviction-risk score of 6/10. Population here is 828. What pushes it up most is economic stress at 10/10.

Risk score

Elevated

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 6

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

33% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. The poverty rate is 47%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest.

SNAP participation runs 38.4% against 15.2% nationally. On the high side, tenant-organizing strength reads 9.3/10.

Set annual rent against average income of $43,828 and the ratio lands at 35%, above the conventional 30% ceiling. 33% of renter households cross the 30%-of-income line, markedly below the Lake County average of 43.0%.

Running hot, housing-court posture reads 8.7/10. Average gross rent is $1,286, 27% above the Gary average. Disability prevalence runs 46.4% against 31.5% nationally.

Against the Lake County average of 4.4, this tract reads riskier for landlords by 1.6 points. This ground was mapped C ("Definitely Declining") on the 1930s HOLC security maps for Lake Co. Gary. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above.

That is riskier than roughly 78% of the 84,120 US census tracts in this model.

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

Frequently asked

About tract 18089010900

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

Census tract 18089010900 in the Horace Mann neighborhood scores 6/10 (Elevated 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 6/10, higher than the parent city of Gary at 4.6/10. 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.