Neighborhood · Ranked #15,522 of 84,120 nationally

Horace Mann Eviction Risk: Moderate , Gary

Tract 18089011300 · Lake County, IN · pop 1,308 · neighborhood within 1.1 mi

Landlord eviction risk in census tract 18089011300 (the Horace Mann area of Gary, Indiana) comes in at $1/10, the Elevated tier. That is riskier than about 75% of US census tracts.

43% of renter households here spend at least 30% of income on rent, a severe level, and 22% are severely burdened at 50% or more. Average rent runs $541 a month against an average household income of $27,727 a year, roughly 23% of income at the averages. About 72% of occupied units are renter-occupied, a renter-majority tract.

Risk score

5.7

Moderate

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 31% Stable renters 41% Owners 28%

Tract context

Occupied units724

Renter share71.8%

SVI overall0.80

Poverty rate35.0%

Median income$27,727

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Gary and the region

Centroid at 41.5917, -87.3459 · click any tract to drill in

Why Horace Mann scores 5.7

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

35.0% poverty · this tract

8.7

Supply constraint

$541 rent vs county FMR

1.0

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: 80

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

89%Socioeconomic
34%Household composition
94%Racial/ethnic minority
69%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
43%Grade C
28%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.

27.5%Housing insecurity
25.0%Utility-shutoff threat
42.3%Food insecurity
35.8%SNAP enrollment
19.2%Transit barriers
11.9%No health insurance
19.3%Frequent mental distress
44.5%Any disability

Analysis

What drives eviction risk in Horace Mann

The score leans hardest on 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 27.5% of adults here said they could not pay rent or mortgage at some point in the past year, and 25.0% faced a utility shutoff threat, a common early warning before a filing.

The tract is predominantly Black and ranks around the 80th 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, this is a tract where process discipline pays off. Clean paperwork and steady screening keep the elevated risk manageable.

Frequently asked

About tract 18089011300

What is the eviction-risk score for census tract 18089011300?

Census tract 18089011300 in the Horace Mann neighborhood scores 5.7/10 (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 18089011300?

Median gross rent is $541/month (ACS 5-year 2023, table B25064). 43% of renter households are cost-burdened.

What is the poverty rate in tract 18089011300?

35.0% of residents in tract 18089011300 live below the federal poverty line (ACS B17001, 2023). Population: 1,308.

How socially vulnerable is tract 18089011300?

CDC Social Vulnerability Index ranks this tract in the 80th percentile nationally. Sub-themes: socioeconomic 89th, household 34th, minority 94th, housing 69th.

Is tract 18089011300 considered part of Horace Mann?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18089011300 fall within Horace Mann (neighborhood centroid within 1.1 miles, OSM data).

What share of households in tract 18089011300 struggle to pay rent?

About 27.5% 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. 25.0% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 18089011300 compare to Gary overall?

Tract 18089011300 scores 5.7/10, 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 18089011300 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. 28% 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.