University Park Eviction Risk: Moderate , Gary

31% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. The score leans hardest on tenant-organizing strength at 9.3/10. Running hot, housing-court posture reads 8.7/10.

SNAP participation runs 32.4% against 15.2% nationally. 74% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building nearby.

Set annual rent against average income of $28,148 and the ratio lands at 33%, above the conventional 30% ceiling. On the softer side, supply constraint reads 1.5/10. Housing insecurity runs 27.6% against 14.2% nationally.

At $777 a month, rents run 23% under what the rest of Gary commands. It sits 1.1 points above the Lake County average of 4.4.

The poverty rate is 18%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. In the 1930s the federal Home Owners' Loan Corporation graded this ground D ("Hazardous"). Redlining cut off mortgage credit to whole blocks for decades, and the areas graded D still carry measurably lower ownership and higher rent burden today.

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