North Hammond Eviction Risk: Moderate

What pushes it up most is economic stress at 10/10. Against Lake County at 43.0%, 59% of renters here are cost-burdened.

The poverty rate is 41%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest. Annualized rent equals 35% of average household income of $39,468, past the 30% affordability line, which thins the margin any screening standard has to work with. SNAP participation runs 31.2% against 15.2% nationally.

On the softer side, eviction-process difficulty reads 1.7/10. Inability to pay a utility bill runs 22.6% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

Running cool, state political climate reads 2/10. Against the Lake County average of 4.4, this tract reads riskier for landlords by 1.0 points.

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. Nationally it ranks #24,859 of 84,120 for landlord eviction difficulty.

On the CDC Social Vulnerability Index the tract reads 9.7/10, which tracks how hard a shock lands on the households already here. Statewide the IN average is 3.9, so this tract runs 1.5 points hotter.

Tract-level figures come from the ACS 5-year release and are rebuilt whenever that, the court-record feed, or the statutory ledger behind the score changes.