Neighborhood · Ranked #31,159 of 84,120 nationally

Central Hammond Eviction Risk: Moderate

Tract 18089020500 · Lake County, IN · pop 3,604 · neighborhood within 0.5 mi

Tract 18089020500, home to 3,604 residents in the Central Hammond area of Hammond, scores 5.1/10 for landlord eviction risk. On the national scale it ranks #48,264 of 84,120 for landlord eviction difficulty.

About 34% of renters carry a rent burden of 30% of income or higher, a high level, and 16% are severely burdened at 50% or more. Average gross rent is $1,020 monthly, set against $59,875 in average yearly household income, roughly 20% of income at the averages. Renters make up 34% of occupied homes.

Risk score

4.6

Moderate

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 11% Stable renters 22% Owners 67%

Tract context

Occupied units979

Renter share33.8%

SVI overall0.62

Poverty rate18.3%

Median income$59,875

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Hammond and the region

Centroid at 41.6147, -87.5004 · click any tract to drill in

Why Central Hammond scores 4.6

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

18.3% poverty · this tract

4.6

Supply constraint

$1,020 rent vs county FMR

3.5

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 Central Hammond compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 62

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

83%Socioeconomic
86%Household composition
88%Racial/ethnic minority
4%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
81%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.

23.5%Housing insecurity
16.6%Utility-shutoff threat
32.3%Food insecurity
19.0%SNAP enrollment
14.6%Transit barriers
20.4%No health insurance
19.0%Frequent mental distress
34.2%Any disability

Analysis

What drives eviction risk in Central Hammond

What moves this score most is tenant organizing strength at 7.8/10. 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 Hammond eviction risk, while the economic and supply signals are measured at the tract level.

Set against its neighbors, this tract scores about the same as the Lake County average of 5.2 and above the Indiana statewide average of 4.7. Within its own county it reads on the safer side for landlords.

In CDC survey modeling, about 23.5% of adults here said they could not pay rent or mortgage at some point in the past year, and 16.6% faced a utility shutoff threat, a common early warning before a filing.

The tract is predominantly Hispanic or Latino and ranks around the 62nd percentile nationally on the CDC Social Vulnerability Index, a measure of how exposed residents are to housing and economic shocks. That is a middle-of-the-pack reading for social vulnerability.

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

Frequently asked

About tract 18089020500

What is the eviction-risk score for census tract 18089020500?

Census tract 18089020500 in the Central Hammond neighborhood scores 4.6/10 (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 18089020500?

Median gross rent is $1,020/month (ACS 5-year 2023, table B25064). 34% of renter households are cost-burdened.

What is the poverty rate in tract 18089020500?

18.3% of residents in tract 18089020500 live below the federal poverty line (ACS B17001, 2023). Population: 3,604.

How socially vulnerable is tract 18089020500?

CDC Social Vulnerability Index ranks this tract in the 62th percentile nationally. Sub-themes: socioeconomic 83th, household 86th, minority 88th, housing 4th.

Is tract 18089020500 considered part of Central Hammond?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18089020500 fall within Central Hammond (neighborhood centroid within 0.5 miles, OSM data).

What share of households in tract 18089020500 struggle to pay rent?

About 23.5% 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. 16.6% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 18089020500 compare to Hammond overall?

Tract 18089020500 scores 4.6/10, 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 18089020500 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. 81% 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.