Within neighborhood
50
th percentile
Moderate
Neighborhood · Ranked #73,892 of 84,120 nationally
West Lakes Eviction Risk: Lower , Munster
Tract 18089040301 · Lake County, IN · pop 3,639 · neighborhood within 0.5 mi
The West Lakes neighborhood of Munster anchors census tract 18089040301, which lands at 4.5/10 on landlord eviction risk. It lands near the 23rd percentile nationally for landlord eviction risk.
40% of renter households here spend at least 30% of income on rent, a severe level, and 35% are severely burdened at 50% or more. Average rent runs $1,141 a month against an average household income of $93,698 a year, roughly 15% of income at the averages. Renters make up 16% of occupied homes.
Risk score
2
Lower
Confidence 85% · 1–10 scale
Household mix · 100 hh
Burdened renters 7%
Stable renters 10%
Owners 83%
Tract context
Occupied units1,663
Renter share16.4%
SVI overall0.49
Poverty rate3.7%
Median income$93,698
Percentile rank
Higher percentile = riskier than more peers.Within parent city
50
th percentile
Moderate
Within county
13
th percentile
Very Low
Within state
11
th percentile
Very Low
Geographic context
Risk heat across Munster and the region
Centroid at 41.5328, -87.5136 · click any tract to drill in
Why West Lakes scores 2
9 axes · 1 = landlord-friendlyLocal political climate
Inherited from Munster
6.2
Regional political climate
2024 county presidential margin
5.8
State political climate
Indiana legislature & governorship
2.0
Economic stress
3.7% poverty · this tract
1.0
Supply constraint
$1,141 rent vs county FMR
4.5
Rent control risk
Inherited from Munster
5.4
Eviction process difficulty
State law sets the calendar
1.9
Tenant organizing strength
Inherited from Munster
3.5
Housing court bias
Inherited from Munster
4.7
How West Lakes compares
Risk score vs. parent city, county, state.CDC Social Vulnerability Index
SVI percentile: 49
CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.
- 12%Socioeconomic
- 81%Household composition
- 51%Racial/ethnic minority
- 77%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
- 0%Grade B
- 0%Grade C
- 0%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.
- 7.5%Housing insecurity
- 5.5%Utility-shutoff threat
- 9.8%Food insecurity
- 4.5%SNAP enrollment
- 5.1%Transit barriers
- 6.6%No health insurance
- 13.6%Frequent mental distress
- 26.8%Any disability
Analysis
What drives eviction risk in West Lakes
The heaviest input here is rent-control risk at 5.4/10. 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 Munster 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.
HOLC surveyors mapped this tract in the 1930s with a dominant grade of B ("Still Desirable"), above the redlined D tier. The grading still shaped decades of lending and development in the surrounding area.
The tract is predominantly White and ranks around the 49th 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 18089040301
Q1
What is the eviction-risk score for census tract 18089040301?
Census tract 18089040301 in the West Lakes neighborhood scores 2/10 (Lower tier). The Eviction Risk Score blends state law, county filing rates, parent-city politics, and tract-specific rent-to-income ratios + poverty signals.
Q2
What is the average rent in tract 18089040301?
Median gross rent is $1,141/month (ACS 5-year 2023, table B25064). 40% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 18089040301?
3.7% of residents in tract 18089040301 live below the federal poverty line (ACS B17001, 2023). Population: 3,639.
Q4
How socially vulnerable is tract 18089040301?
CDC Social Vulnerability Index ranks this tract in the 49th percentile nationally. Sub-themes: socioeconomic 12th, household 81th, minority 51th, housing 77th.
Q5
Is tract 18089040301 considered part of West Lakes?
Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18089040301 fall within West Lakes (neighborhood centroid within 0.5 miles, OSM data).
Q6
What share of households in tract 18089040301 struggle to pay rent?
About 7.5% 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. 5.5% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q7
How does tract 18089040301 compare to Munster overall?
Tract 18089040301 scores 2/10, lower than the parent city of Munster at 2.5/10. City-scale signals (state law, local rent controls, court bias) are inherited from Munster eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.
Q8
Was tract 18089040301 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. 0% 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 Munster
Top eight tracts in Munster ranked by composite eviction-risk score.
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