Neighborhood · Ranked #41,065 of 84,120 nationally

South Hammond Eviction Risk: Moderate

Tract 18089021400 · Lake County, IN · pop 4,205 · neighborhood within 0.4 mi

The Moderate-tier score of 4.5/10 for census tract 18089021400 reflects conditions in the South Hammond area of Hammond, Indiana. That is riskier than about 23% of US census tracts.

About 24% of renters carry a rent burden of 30% of income or higher, a moderate level, and 11% are severely burdened at 50% or more. The typical renter pays about $959 a month while the average household earns $56,744 a year, roughly 20% of income at the averages. Renters make up 34% of occupied homes.

Risk score

Moderate

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 8% Stable renters 26% Owners 66%

Tract context

Occupied units1,698

Renter share34.0%

SVI overall0.74

Poverty rate9.4%

Median income$56,744

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Hammond and the region

Centroid at 41.5942, -87.5116 · click any tract to drill in

Why South Hammond scores 4

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

9.4% poverty · this tract

2.4

Supply constraint

$959 rent vs county FMR

3.0

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 South Hammond compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 74

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

89%Socioeconomic
61%Household composition
72%Racial/ethnic minority
37%Housing & transportation

Historical context · 1930s redlining

HOLC grade: B: Still Desirable

This tract sits within an area graded by the Home Owners' Loan Corporation in the 1930s. Grade B meant middle-class areas with mortgage access. These designations suppressed minority homeownership for generations and remain a documented predictor of present-day eviction filings and rent burden.

0%Grade A
47%Grade B
13%Grade C
14%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.

21.0%Housing insecurity
15.5%Utility-shutoff threat
28.9%Food insecurity
17.5%SNAP enrollment
13.2%Transit barriers
16.7%No health insurance
19.2%Frequent mental distress
34.4%Any disability

Analysis

What drives eviction risk in South 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 below the Lake County average of 5.2 and in line with the Indiana statewide average of 4.7. Within its own county it reads on the safer side for landlords.

The tract is Hispanic or Latino and White and ranks around the 74th 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.

Part of this tract, about 14% of its area, sat in the redlined grade-D zone on 1930s HOLC maps, though its dominant grade was B ("Still Desirable"). That lending history still correlates with present-day rent burden.

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

Frequently asked

About tract 18089021400

What is the eviction-risk score for census tract 18089021400?

Census tract 18089021400 in the South Hammond neighborhood scores 4/10 (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 18089021400?

Median gross rent is $959/month (ACS 5-year 2023, table B25064). 24% of renter households are cost-burdened.

What is the poverty rate in tract 18089021400?

9.4% of residents in tract 18089021400 live below the federal poverty line (ACS B17001, 2023). Population: 4,205.

How socially vulnerable is tract 18089021400?

CDC Social Vulnerability Index ranks this tract in the 74th percentile nationally. Sub-themes: socioeconomic 89th, household 61th, minority 72th, housing 37th.

Is tract 18089021400 considered part of South Hammond?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18089021400 fall within South Hammond (neighborhood centroid within 0.4 miles, OSM data).

What share of households in tract 18089021400 struggle to pay rent?

About 21.0% 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. 15.5% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 18089021400 compare to Hammond overall?

Tract 18089021400 scores 4/10, 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 18089021400 historically redlined?

Yes. This tract sits inside an area graded by the Home Owners' Loan Corporation in the 1930s, with a dominant grade of B. 14% 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.