Within neighborhood
100
th percentile
Very High
Neighborhood · Ranked #31,049 of 84,120 nationally
McKinley Terrace Eviction Risk: Moderate , Mishawaka
Tract 18141011501 · St. Joseph County, IN · pop 4,294 · neighborhood within 0.8 mi
Census tract 18141011501 covers part of the McKinley Terrace area of Mishawaka, IN, and scores 5.1/10 on landlord eviction risk. Population here is 4,294. The dominant input is tenant-organizing strength at 9.2/10.
Risk score
5.1
Moderate
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 47%
Stable renters 43%
Owners 10%
Tract context
Occupied units2,348
Renter share90.0%
SVI overall0.96
Poverty rate15.3%
Median income$37,222
Percentile rank
Higher percentile = riskier than more peers.Within parent city
71
th percentile
Elevated
Within county
94
th percentile
Very High
Within state
85
th percentile
High
Geographic context
Risk heat across Mishawaka and the region
Centroid at 41.6930, -86.1919 · click any tract to drill in
Why McKinley Terrace scores 5.1
9 axes · 1 = landlord-friendlyLocal political climate
Inherited from Mishawaka
5.8
Regional political climate
2024 county presidential margin
5.3
State political climate
Indiana legislature & governorship
2.0
Economic stress
15.3% poverty · this tract
3.8
Supply constraint
$830 rent vs county FMR
2.6
Rent control risk
Inherited from Mishawaka
6.4
Eviction process difficulty
State law sets the calendar
2.0
Tenant organizing strength
Inherited from Mishawaka
9.2
Housing court bias
Inherited from Mishawaka
6.8
How McKinley Terrace compares
Risk score vs. parent city, county, state.CDC Social Vulnerability Index
SVI percentile: 96
CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.
- 93%Socioeconomic
- 78%Household composition
- 50%Racial/ethnic minority
- 99%Housing & transportation
Historical context · 1930s redlining
HOLC grade: C: Definitely Declining
This tract sits within an area graded by the Home Owners' Loan Corporation in the 1930s. Grade C meant mixed-race / working-class neighborhoods rated as risky. 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
- 4%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.
Eviction filings
Court-record eviction history
Court-validated eviction filings collected from county clerks and consolidated by the Eviction Lab at Princeton University. Filing rate is filings per 100 renter households.1
Historic baseline (2000–2018)
- 129Total filings over 1 yrs
- 8.25%Avg annual filing rate
- 8.3%Peak (2015)
- 129Filings in 2015 (latest validated)
Pandemic-era tracking (2020–2021)
- 1,493Total filings 2020-21
- 19.4Avg monthly (observed)
- 10.0Pre-pandemic baseline
- 1.93×Ratio to baseline
Pandemic filings ran above baseline. Eviction Lab tracked Richmond, VA as part of its 34-metro Eviction Tracking System.
Comparable tracts
Census tracts with similar eviction risk
Within McKinley Terrace. Closest by Eviction Risk Score.
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.
- 18.8%Housing insecurity
- 15.1%Utility-shutoff threat
- 25.8%Food insecurity
- 18.6%SNAP enrollment
- 13.3%Transit barriers
- 11.5%No health insurance
- 21.9%Frequent mental distress
- 40.7%Any disability
Analysis
What drives eviction risk in McKinley Terrace
This is renter territory: 90% of occupied units are tenant-occupied. The severe-burden share is 26%, and it is the single best predictor in this model of a filing that actually reaches judgment. Against St. Joseph County at 41.2%, 52% of renters here are cost-burdened.
On the high side, court filing pressure reads 8.2/10. Running cool, state political climate reads 2/10.
At $830 a month, rents run 22% under what the rest of Mishawaka commands. Against the St. Joseph County average of 3.8, this tract reads riskier for landlords by 1.3 points.
The filing record is not thin: 129 evictions over 1 years of observation. Food insecurity runs 25.8% against 17.8% nationally.
Inability to pay a utility bill runs 15.1% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two. Filings peaked in 2015 at 8.3% of renter households.
In the 1930s the federal Home Owners' Loan Corporation graded this ground C ("Definitely Declining"). Redlining cut off mortgage credit to whole blocks for decades, and the areas graded D still carry measurably lower ownership and higher rent burden today. In a typical year about 8.3% of renter households face a filing. On the national scale it lands near the 63rd percentile of the 84,120 tracts scored.
Tract-level figures come from the ACS 5-year release and are rebuilt whenever that, the court-record feed, or the statutory ledger behind the score changes.
Frequently asked
About tract 18141011501
Q1
What is the eviction-risk score for census tract 18141011501?
Census tract 18141011501 in the McKinley Terrace neighborhood scores 5.1/10 (Moderate tier). The Eviction Risk Score blends state law, county filing rates, parent-city politics, and tract-specific rent-to-income ratios + poverty signals.
Q2
What is the average rent in tract 18141011501?
Median gross rent is $830/month (ACS 5-year 2023, table B25064). 52% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 18141011501?
15.3% of residents in tract 18141011501 live below the federal poverty line (ACS B17001, 2023). Population: 4,294.
Q4
How socially vulnerable is tract 18141011501?
CDC Social Vulnerability Index ranks this tract in the 96th percentile nationally. Sub-themes: socioeconomic 93th, household 78th, minority 50th, housing 99th.
Q5
Is tract 18141011501 considered part of McKinley Terrace?
Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 18141011501 fall within McKinley Terrace (neighborhood centroid within 0.8 miles, OSM data).
Q6
How many evictions are filed each year in tract 18141011501?
Princeton Eviction Lab recorded 129 eviction filings across 1 validated years in tract 18141011501 (2000-2018). The average annual filing rate is 8.25% of renter households, peaking at 8.3% in 2015. Source: Eviction Lab tract-validated 2024 release.
Q7
Did eviction filings in tract 18141011501 drop during COVID?
Pandemic-era filings ran 1.93× the pre-COVID monthly baseline. Filings ran above pre-pandemic norms. Tracked by the Eviction Lab Eviction Tracking System (Richmond eviction risk, VA), 2020-2021.
Q8
What share of households in tract 18141011501 struggle to pay rent?
About 18.8% 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. 15.1% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q9
How does tract 18141011501 compare to Mishawaka overall?
Tract 18141011501 scores 5.1/10, higher than the parent city of Mishawaka at 4.2/10. City-scale signals (state law, local rent controls, court bias) are inherited from Mishawaka eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.
Q10
Was tract 18141011501 historically redlined?
Yes. This tract sits inside an area graded by the Home Owners' Loan Corporation in the 1930s, with a dominant grade of C. 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 Mishawaka
Top eight tracts in Mishawaka ranked by composite eviction-risk score.
Tract · IN
River Park
5.6
/ 10 · Elevated
Tract · IN
River Park
5.6
/ 10 · Elevated
Tract · IN
River Park
5.6
/ 10 · Elevated
Tract · IN
18141010300
5.6
/ 10 · Elevated
Tract · IN
18141011506
4.8
/ 10 · Moderate
Tract · IN
18141011505
4.5
/ 10 · Moderate
Tract · IN
River Park
4.4
/ 10 · Moderate
Tract · IN
18141010400
4
/ 10 · Moderate
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