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

University Park Eviction Risk: Elevated , Gary

Tract 18089012400 · Lake County, IN · pop 3,945 · neighborhood within 0.5 mi

With a score of 6/10, tract 18089012400 in the University Park area of Gary, IN reads elevated for landlord eviction risk. Population here is 3,945. The dominant input is economic stress at 10/10.

Risk score

Elevated

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 20% Stable renters 36% Owners 44%

Tract context

Occupied units1,656

Renter share56.2%

SVI overall0.93

Poverty rate46.5%

Median income$30,865

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Gary and the region

Centroid at 41.5572, -87.3455 · click any tract to drill in

Why University Park 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

46.5% poverty · this tract

10.0

Supply constraint

$975 rent vs county FMR

3.1

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 University Park compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 93

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

94%Socioeconomic
87%Household composition
96%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.

17%Grade A
9%Grade B
19%Grade C
3%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 University Park. 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.

35.4%Housing insecurity
34.3%Utility-shutoff threat
53.4%Food insecurity
50.3%SNAP enrollment
26.0%Transit barriers
15.4%No health insurance
22.8%Frequent mental distress
48.7%Any disability

Analysis

What drives eviction risk in University Park

Food insecurity runs 53.4% against 17.8% nationally. The poverty rate is 47%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. Housing insecurity runs 35.4% against 14.2% nationally.

On the high side, tenant-organizing strength reads 9.3/10. Set annual rent against average income of $30,865 and the ratio lands at 38%, above the conventional 30% ceiling. The severe-burden share is 22%, and it is the single best predictor in this model of a filing that actually reaches judgment.

Sitting well above the midpoint, housing-court posture reads 8.7/10. It sits 1.6 points above the Lake County average of 4.4.

36% of renter households cross the 30%-of-income line, lower than the Lake County average of 43.0%. In the 1930s the federal Home Owners' Loan Corporation graded this ground C ("Definitely Declining"). 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. That is riskier than roughly 78% of the 84,120 US census tracts in this model.

Social vulnerability reads 9.3/10 on the CDC index, a measure of exposure to housing and economic shocks. Statewide the IN average is 3.9, so this tract runs 2.1 points hotter. Of its three components the socioeconomic standing measure is the most pressured.

Average gross rent is $975, close to the Gary average.

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

Frequently asked

About tract 18089012400

What is the eviction-risk score for census tract 18089012400?

Census tract 18089012400 in the University Park 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 18089012400?

Median gross rent is $975/month (ACS 5-year 2023, table B25064). 36% of renter households are cost-burdened.

What is the poverty rate in tract 18089012400?

46.5% of residents in tract 18089012400 live below the federal poverty line (ACS B17001, 2023). Population: 3,945.

How socially vulnerable is tract 18089012400?

CDC Social Vulnerability Index ranks this tract in the 93th percentile nationally. Sub-themes: socioeconomic 94th, household 87th, minority 96th, housing 69th.

Is tract 18089012400 considered part of University Park?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18089012400 fall within University Park (neighborhood centroid within 0.5 miles, OSM data).

What share of households in tract 18089012400 struggle to pay rent?

About 35.4% 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. 34.3% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 18089012400 compare to Gary overall?

Tract 18089012400 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 18089012400 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. 3% 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.