Neighborhood · Ranked #29,578 of 84,120 nationally

Morningside Eviction Risk: Moderate , Gary

Tract 18089012700 · Lake County, IN · pop 2,874 · neighborhood within 0.7 mi

Census tract 18089012700 covers the Morningside area of Gary, home to 2,874 residents. For landlords it grades 5.8/10, a moderate reading. On the national scale it ranks #26,491 of 84,120 for landlord eviction difficulty.

About 45% of renters carry a rent burden of 30% of income or higher, a severe level, and 23% are severely burdened at 50% or more. Average gross rent is $1,178 monthly, set against $50,422 in average yearly household income, roughly 28% of income at the averages. Renters make up 58% of occupied homes, a renter-majority tract.

Risk score

4.7

Moderate

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 26% Stable renters 32% Owners 42%

Tract context

Occupied units1,124

Renter share58.3%

SVI overall0.80

Poverty rate17.2%

Median income$50,422

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Gary and the region

Centroid at 41.5294, -87.3265 · click any tract to drill in

Why Morningside scores 4.7

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

17.2% poverty · this tract

4.3

Supply constraint

$1,178 rent vs county FMR

4.8

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 Morningside 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.

77%Socioeconomic
65%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.

0%Grade A
0%Grade B
19%Grade C
0%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 Morningside. 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.

25.1%Housing insecurity
21.4%Utility-shutoff threat
35.3%Food insecurity
26.5%SNAP enrollment
16.1%Transit barriers
11.3%No health insurance
19.5%Frequent mental distress
37.3%Any disability

Analysis

What drives eviction risk in Morningside

What moves this score most is 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.

HOLC surveyors mapped this tract in the 1930s with a dominant grade of C ("Declining"), above the redlined D tier. The grading still shaped decades of lending and development in the surrounding area.

In CDC survey modeling, about 25.1% of adults here said they could not pay rent or mortgage at some point in the past year, and 21.4% faced a utility shutoff threat, a common early warning before a filing.

For a landlord, conditions here are middle-of-the-road. Standard screening and prompt, documented notices usually keep cases short.

Frequently asked

About tract 18089012700

What is the eviction-risk score for census tract 18089012700?

Census tract 18089012700 in the Morningside neighborhood scores 4.7/10 (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 18089012700?

Median gross rent is $1,178/month (ACS 5-year 2023, table B25064). 45% of renter households are cost-burdened.

What is the poverty rate in tract 18089012700?

17.2% of residents in tract 18089012700 live below the federal poverty line (ACS B17001, 2023). Population: 2,874.

How socially vulnerable is tract 18089012700?

CDC Social Vulnerability Index ranks this tract in the 80th percentile nationally. Sub-themes: socioeconomic 77th, household 65th, minority 96th, housing 69th.

Is tract 18089012700 considered part of Morningside?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18089012700 fall within Morningside (neighborhood centroid within 0.7 miles, OSM data).

What share of households in tract 18089012700 struggle to pay rent?

About 25.1% 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. 21.4% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 18089012700 compare to Gary overall?

Tract 18089012700 scores 4.7/10, 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 18089012700 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. 0% 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.