Neighborhood · Ranked #34,332 of 84,120 nationally

The Flats Eviction Risk: Moderate , Holyoke

Tract 25013811301 · Hampden County, MA · pop 6,002 · neighborhood within 1.0 mi

The Flats in Holyoke is where census tract 25013811301 sits, home to 6,002 residents. Its landlord eviction-risk score is 6.7/10. It lands near the 90th percentile nationally for landlord eviction risk.

About 49% of renters carry a rent burden of 30% of income or higher, a severe level, and 10% are severely burdened at 50% or more. The typical renter pays about $1,183 a month while the average household earns $73,750 a year, roughly 19% of income at the averages. About 49% of occupied units are renter-occupied.

Risk score

4.4

Moderate

Confidence 100% · 1–10 scale

Household mix · 100 hh

Burdened renters 24% Stable renters 25% Owners 51%

Tract context

Occupied units2,671

Renter share49.5%

SVI overall0.36

Poverty rate8.3%

Median income$73,750

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Holyoke and the region

Centroid at 42.1992, -72.5831 · click any tract to drill in

Why The Flats scores 4.4

9 axes · 1 = landlord-friendly

Local political climate

Inherited from Holyoke

6.3

Regional political climate

2024 county presidential margin

5.9

State political climate

Massachusetts legislature & governorship

6.2

Economic stress

8.3% poverty · this tract

2.1

Supply constraint

$1,183 rent vs county FMR

2.9

Rent control risk

Inherited from Holyoke

6.5

Eviction process difficulty

State law sets the calendar

6.0

Tenant organizing strength

Inherited from Holyoke

8.5

Housing court bias

Inherited from Holyoke

6.7

How The Flats compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 36

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

30%Socioeconomic
48%Household composition
35%Racial/ethnic minority
46%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
83%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.

Comparable tracts

Census tracts with similar eviction risk

Within The Flats. 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.

12.7%Housing insecurity
7.8%Utility-shutoff threat
14.2%Food insecurity
16.6%SNAP enrollment
8.3%Transit barriers
6.4%No health insurance
18.3%Frequent mental distress
32.7%Any disability

Analysis

What drives eviction risk in The Flats

The score leans hardest on tenant organizing strength at 8.5/10. 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 Holyoke 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 Hampden County average of 6.6 and above the Massachusetts statewide average of 5.9. Within its own county it reads on the riskier side for landlords.

The tract is predominantly White and ranks around the 36th percentile nationally on the CDC Social Vulnerability Index, a measure of how exposed residents are to housing and economic shocks. That is a relatively low-vulnerability reading.

In CDC survey modeling, about 12.7% of adults here said they could not pay rent or mortgage at some point in the past year, and 7.8% faced a utility shutoff threat, a common early warning before a filing.

For a landlord, this is a tract where process discipline pays off. Clean paperwork and steady screening keep the elevated risk manageable.

Frequently asked

About tract 25013811301

What is the eviction-risk score for census tract 25013811301?

Census tract 25013811301 in the The Flats neighborhood scores 4.4/10 (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 25013811301?

Median gross rent is $1,183/month (ACS 5-year 2023, table B25064). 49% of renter households are cost-burdened.

What is the poverty rate in tract 25013811301?

8.3% of residents in tract 25013811301 live below the federal poverty line (ACS B17001, 2023). Population: 6,002.

How socially vulnerable is tract 25013811301?

CDC Social Vulnerability Index ranks this tract in the 36th percentile nationally. Sub-themes: socioeconomic 30th, household 48th, minority 35th, housing 46th.

Is tract 25013811301 considered part of The Flats?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 25013811301 fall within The Flats (neighborhood centroid within 1.0 miles, OSM data).

What share of households in tract 25013811301 struggle to pay rent?

About 12.7% 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. 7.8% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 25013811301 compare to Holyoke overall?

Tract 25013811301 scores 4.4/10, lower than the parent city of Holyoke at 6/10. City-scale signals (state law, local rent controls, court bias) are inherited from Holyoke eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.

Was tract 25013811301 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 Holyoke

Top eight tracts in Holyoke ranked by composite eviction-risk score.