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

Downtown Gary Eviction Risk: Moderate

Tract 18089011700 · Lake County, IN · pop 540 · neighborhood within 1.0 mi

With a score of 6.4/10, tract 18089011700 in Downtown Gary in Gary ranks in the Elevated tier for landlord eviction risk. The tract is home to 540 residents. That is riskier than about 85% of US census tracts.

Rent eats 30% or more of income for 62% of renter households, a severe level, and 25% are severely burdened at 50% or more. Average rent runs $766 a month against an average household income of $20,686 a year, roughly 44% of income at the averages. About 73% of occupied units are renter-occupied, a renter-majority tract.

Risk score

5.3

Moderate

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 45% Stable renters 28% Owners 27%

Tract context

Occupied units352

Renter share73.0%

SVI overall0.81

Poverty rate40.3%

Median income$20,686

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Gary and the region

Centroid at 41.5866, -87.3366 · click any tract to drill in

Why Downtown Gary 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

40.3% poverty · this tract

10.0

Supply constraint

$766 rent vs county FMR

1.4

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 Downtown Gary compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 81

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

77%Socioeconomic
68%Household composition
93%Racial/ethnic minority
69%Housing & transportation

Historical context · 1930s redlining

HOLC grade: D: Hazardous (Redlined)

This tract sits within an area graded by the Home Owners' Loan Corporation in the 1930s. Grade D meant Black, immigrant, and poor neighborhoods systematically denied mortgage credit. 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
26%Grade C
56%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 Downtown Gary. 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.

31.4%Housing insecurity
29.9%Utility-shutoff threat
48.9%Food insecurity
44.9%SNAP enrollment
22.6%Transit barriers
14.0%No health insurance
20.2%Frequent mental distress
48.2%Any disability

Analysis

What drives eviction risk in Downtown Gary

The heaviest input here 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.

This tract overlaps land the federal Home Owners' Loan Corporation redlined in the 1930s, a dominant grade of D ("Hazardous") across 56% of the tract. Redlining cut off mortgage credit to Black, immigrant, and working-class blocks, and those areas still tend to carry higher rent burden and eviction filings today.

The tract is predominantly Black and ranks around the 81st 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 18089011700

What is the eviction-risk score for census tract 18089011700?

Census tract 18089011700 in the Downtown Gary 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 18089011700?

Median gross rent is $766/month (ACS 5-year 2023, table B25064). 62% of renter households are cost-burdened.

What is the poverty rate in tract 18089011700?

40.3% of residents in tract 18089011700 live below the federal poverty line (ACS B17001, 2023). Population: 540.

How socially vulnerable is tract 18089011700?

CDC Social Vulnerability Index ranks this tract in the 81th percentile nationally. Sub-themes: socioeconomic 77th, household 68th, minority 93th, housing 69th.

Is tract 18089011700 considered part of Downtown Gary?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18089011700 fall within Downtown Gary (neighborhood centroid within 1.0 miles, OSM data).

What share of households in tract 18089011700 struggle to pay rent?

About 31.4% 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. 29.9% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 18089011700 compare to Gary overall?

Tract 18089011700 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 18089011700 historically redlined?

Yes. This tract sits inside an area graded by the Home Owners' Loan Corporation in the 1930s, with a dominant grade of D. 56% 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.