University Park Eviction Risk: Moderate , Gary

The score leans hardest on tenant-organizing strength at 9.3/10. Sitting well above the midpoint, housing-court posture reads 8.7/10. Set annual rent against average income of $44,750 and the ratio lands at 32%, above the conventional 30% ceiling.

20% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. On the high side, rent-regulation exposure reads 8.2/10.

Housing insecurity runs 27.6% against 14.2% nationally. Against the Lake County average of 4.4, this tract reads riskier for landlords by 1.4 points. The poverty rate is 22%, which in this model reads as reduced rent-recovery odds after a judgment.

Against Lake County at 43.0%, 37% of renters here are cost-burdened. Average gross rent is $1,201, 19% above the Gary average.

This ground was mapped D ("Hazardous") 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. On the national scale it lands near the 76th percentile of the 84,120 tracts scored.

These are ACS 5-year estimates; the score moves when the ACS, court-record, or statute inputs behind it move.