Neighborhood · Ranked #13,119 of 84,120 nationally

North Hammond Eviction Risk: Moderate

Tract 18089020400 · Lake County, IN · pop 5,497 · neighborhood within 0.3 mi

Landlord eviction risk in census tract 18089020400 (North Hammond in Hammond, Indiana) comes in at 6.3/10, the Elevated tier. That is riskier than roughly 83% of the 84,120 US census tracts we score.

Rent eats 30% or more of income for 59% of renter households, a severe level, and 39% are severely burdened at 50% or more. Average rent runs $1,163 a month against an average household income of $39,468 a year, roughly 35% of income at the averages. Renters make up 59% of occupied homes, a renter-majority tract.

Risk score

5.9

Moderate

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 35% Stable renters 24% Owners 41%

Tract context

Occupied units1,574

Renter share59.1%

SVI overall0.97

Poverty rate40.7%

Median income$39,468

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Hammond and the region

Centroid at 41.6260, -87.5051 · click any tract to drill in

Why North Hammond scores 5.9

9 axes · 1 = landlord-friendly

Local political climate

Inherited from Hammond

6.2

Regional political climate

2024 county presidential margin

5.8

State political climate

Indiana legislature & governorship

2.0

Economic stress

40.7% poverty · this tract

10.0

Supply constraint

$1,163 rent vs county FMR

4.7

Rent control risk

Inherited from Hammond

6.9

Eviction process difficulty

State law sets the calendar

1.7

Tenant organizing strength

Inherited from Hammond

7.8

Housing court bias

Inherited from Hammond

7.3

How North Hammond compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 97

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

97%Socioeconomic
94%Household composition
85%Racial/ethnic minority
83%Housing & transportation

Historical context · 1930s redlining

HOLC grade: D: Hazardous (Redlined)

This tract sits within an area graded by the Home Owners' Loan Corporation in the 1930s. Grade D meant Black, immigrant, and poor neighborhoods systematically denied mortgage credit. 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
0%Grade C
50%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.

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.

29.3%Housing insecurity
22.6%Utility-shutoff threat
44.0%Food insecurity
31.2%SNAP enrollment
19.9%Transit barriers
27.3%No health insurance
20.4%Frequent mental distress
42.5%Any disability

Analysis

What drives eviction risk in North Hammond

The heaviest input here is economic stress at $1/10. That part is specific to this tract, computed from its own rent, income, and poverty figures. Statewide and court-level factors such as eviction-process speed and rent-control exposure are inherited from Hammond 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.

In CDC survey modeling, about 29.3% of adults here said they could not pay rent or mortgage at some point in the past year, and 22.6% faced a utility shutoff threat, a common early warning before a filing.

This tract overlaps land the federal Home Owners' Loan Corporation redlined in the 1930s, a dominant grade of D ("Hazardous") across 50% of the tract. Redlining cut off mortgage credit to Black, immigrant, and working-class blocks, and those areas still tend to carry higher rent burden and eviction filings today.

For a landlord, this is a tract where process discipline pays off. Clean paperwork and steady screening keep the elevated risk manageable.

Frequently asked

About tract 18089020400

What is the eviction-risk score for census tract 18089020400?

Census tract 18089020400 in the North Hammond neighborhood scores 5.9/10 (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 18089020400?

Median gross rent is $1,163/month (ACS 5-year 2023, table B25064). 59% of renter households are cost-burdened.

What is the poverty rate in tract 18089020400?

40.7% of residents in tract 18089020400 live below the federal poverty line (ACS B17001, 2023). Population: 5,497.

How socially vulnerable is tract 18089020400?

CDC Social Vulnerability Index ranks this tract in the 97th percentile nationally. Sub-themes: socioeconomic 97th, household 94th, minority 85th, housing 83th.

Is tract 18089020400 considered part of North Hammond?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18089020400 fall within North Hammond (neighborhood centroid within 0.3 miles, OSM data).

What share of households in tract 18089020400 struggle to pay rent?

About 29.3% 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. 22.6% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 18089020400 compare to Hammond overall?

Tract 18089020400 scores 5.9/10, higher than the parent city of Hammond at 2.7/10. City-scale signals (state law, local rent controls, court bias) are inherited from Hammond eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.

Was tract 18089020400 historically redlined?

Yes. This tract sits inside an area graded by the Home Owners' Loan Corporation in the 1930s, with a dominant grade of D. 50% 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 Hammond

Top eight tracts in Hammond ranked by composite eviction-risk score.