Old Downtown Eviction Risk: Moderate , Hammond

Average gross rent is $374, 67% below the Hammond average. Food insecurity runs 53.6% against 17.8% nationally.

The poverty rate is 54%, which in this model reads as reduced rent-recovery odds after a judgment. 90% of occupied units are rented, so comparables are plentiful and vacancy risk is low, but a mispriced renewal loses the tenant to a building nearby.

Disability prevalence runs 50.9% against 31.5% nationally. Running cool, supply constraint reads 1/10.

Set annual rent against average income of $13,386 and the ratio lands at 34%, above the conventional 30% ceiling. Well under the midpoint, eviction-process difficulty reads 1.7/10.

The severe-burden share is 15%, and it is the single best predictor in this model of a filing that actually reaches judgment. Against the Lake County average of 4.4, this tract reads riskier for landlords by 1.0 points.

38% of renter households cross the 30%-of-income line, lower than the Lake County average of 43.0%. This ground was mapped D ("Hazardous") on the 1930s HOLC security maps for Lake Co. Gary. That grading determined who could get a mortgage, and its imprint on tenure and rent burden is still visible in the ACS data above.

Nationally it ranks #24,859 of 84,120 for landlord eviction difficulty. On the CDC Social Vulnerability Index the tract reads 9.8/10, 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.

These are ACS 5-year estimates; the score moves when the ACS, court-record, or statute inputs behind it move.