Neighborhood · Ranked #6,848 of 84,120 nationally

The Flats Eviction Risk: Elevated , Holyoke

Tract 25013811400 · Hampden County, MA · pop 2,366 · neighborhood within 0.4 mi

With a score of $1/10, tract 25013811400 in The Flats in Holyoke ranks in the Elevated tier for landlord eviction risk. The tract is home to 2,366 residents. On the national scale it ranks #4,613 of 84,120 for landlord eviction difficulty.

40% of renter households here spend at least 30% of income on rent, a high level, and 16% are severely burdened at 50% or more. The typical renter pays about $569 a month while the average household earns $33,897 a year, roughly 20% of income at the averages. About 86% of occupied units are renter-occupied, a renter-majority tract.

Risk score

6.6

Elevated

Confidence 100% · 1–10 scale

Household mix · 100 hh

Burdened renters 34% Stable renters 52% Owners 14%

Tract context

Occupied units842

Renter share85.9%

SVI overall0.97

Poverty rate29.1%

Median income$33,897

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Holyoke and the region

Centroid at 42.2039, -72.5960 · click any tract to drill in

Why The Flats scores 6.6

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

29.1% poverty · this tract

7.3

Supply constraint

$569 rent vs county FMR

1.0

Rent control risk

Inherited from Holyoke

6.4

Eviction process difficulty

State law sets the calendar

5.6

Tenant organizing strength

Inherited from Holyoke

9.6

Housing court bias

Inherited from Holyoke

7.4

How The Flats compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 97

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

87%Socioeconomic
99%Household composition
94%Racial/ethnic minority
85%Housing & transportation

Historical context · 1930s redlining

HOLC grade: D: Hazardous (Redlined)

This tract sits within an area graded by the Home Owners' Loan Corporation in the 1930s. Grade D meant Black, immigrant, and poor neighborhoods systematically denied mortgage credit. 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
17%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.

36.0%Housing insecurity
22.4%Utility-shutoff threat
44.9%Food insecurity
49.8%SNAP enrollment
22.2%Transit barriers
23.6%No health insurance
22.2%Frequent mental distress
45.5%Any disability

Analysis

What drives eviction risk in The Flats

The score leans hardest on tenant organizing strength at 9.6/10. 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 above 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.

This tract overlaps land the federal Home Owners' Loan Corporation redlined in the 1930s, a dominant grade of D ("Hazardous") across 17% of the tract. Redlining cut off mortgage credit to Black, immigrant, and working-class blocks, and those areas still tend to carry higher rent burden and eviction filings today.

In CDC survey modeling, about 36.0% of adults here said they could not pay rent or mortgage at some point in the past year, and 22.4% 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 25013811400

What is the eviction-risk score for census tract 25013811400?

Census tract 25013811400 in the The Flats neighborhood scores 6.6/10 (Elevated 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 25013811400?

Median gross rent is $569/month (ACS 5-year 2023, table B25064). 40% of renter households are cost-burdened.

What is the poverty rate in tract 25013811400?

29.1% of residents in tract 25013811400 live below the federal poverty line (ACS B17001, 2023). Population: 2,366.

How socially vulnerable is tract 25013811400?

CDC Social Vulnerability Index ranks this tract in the 97th percentile nationally. Sub-themes: socioeconomic 87th, household 99th, minority 94th, housing 85th.

Is tract 25013811400 considered part of The Flats?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 25013811400 fall within The Flats (neighborhood centroid within 0.4 miles, OSM data).

What share of households in tract 25013811400 struggle to pay rent?

About 36.0% 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. 22.4% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 25013811400 compare to Holyoke overall?

Tract 25013811400 scores 6.6/10, higher 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 25013811400 historically redlined?

Yes. This tract sits inside an area graded by the Home Owners' Loan Corporation in the 1930s, with a dominant grade of D. 17% 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.