Horace Mann Eviction Risk: Elevated , Gary

SNAP participation runs 43.7% against 15.2% nationally. The severe-burden share is 33%, and it is the single best predictor in this model of a filing that actually reaches judgment. The poverty rate is 48%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest.

Sitting well above the midpoint, tenant-organizing strength reads 9.3/10. Annualized rent equals 35% of average household income of $34,327, past the 30% affordability line, which thins the margin any screening standard has to work with.

On the high side, housing-court posture reads 8.7/10. It sits 1.6 points above the Lake County average of 4.4. Disability prevalence runs 45.2% against 31.5% nationally.

Cost burden runs 37% here against 43.0% across Lake County. In the 1930s the federal Home Owners' Loan Corporation graded this ground B ("Still Desirable"). 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.

Nationally it ranks #18,163 of 84,120 for landlord eviction difficulty. Social vulnerability reads 9.4/10 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 $1,006, close to the Gary average.

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