Within neighborhood
100
th percentile
Very High
Neighborhood · Ranked #48,083 of 84,120 nationally
Oak Ridge Eviction Risk: Lower , Waverly
Tract 26045020103 · Eaton County, MI · pop 3,622 · neighborhood within 0.6 mi
Census tract 26045020103 belongs to the Oak Ridge area of Waverly, Michigan. It is home to 3,622 residents and scores $1/10, an elevated reading for landlords. It lands near the 75th percentile nationally for landlord eviction risk.
About 47% of renters carry a rent burden of 30% of income or higher, a severe level, and 29% are severely burdened at 50% or more. Average gross rent is $916 monthly, set against $55,714 in average yearly household income, roughly 20% of income at the averages. Renters make up 39% of occupied homes.
Risk score
3.6
Lower
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 18%
Stable renters 21%
Owners 61%
Tract context
Occupied units1,700
Renter share39.3%
SVI overall0.75
Poverty rate16.9%
Median income$55,714
Percentile rank
Higher percentile = riskier than more peers.Within parent city
100
th percentile
Very High
Within county
89
th percentile
High
Within state
52
th percentile
Moderate
Geographic context
Risk heat across Waverly and the region
Centroid at 42.7463, -84.6323 · click any tract to drill in
Why Oak Ridge scores 3.6
9 axes · 1 = landlord-friendlyLocal political climate
Inherited from Waverly
5.2
Regional political climate
2024 county presidential margin
5.0
State political climate
Michigan legislature & governorship
3.3
Economic stress
16.9% poverty · this tract
4.2
Supply constraint
$916 rent vs county FMR
3.1
Rent control risk
Inherited from Waverly
3.4
Eviction process difficulty
State law sets the calendar
3.4
Tenant organizing strength
Inherited from Waverly
8.6
Housing court bias
Inherited from Waverly
4.0
How Oak Ridge compares
Risk score vs. parent city, county, state.CDC Social Vulnerability Index
SVI percentile: 75
CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.
- 60%Socioeconomic
- 89%Household composition
- 48%Racial/ethnic minority
- 75%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
- 6%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)
- 426Total filings over 8 yrs
- 7.42%Avg annual filing rate
- 9.9%Peak (2015)
- 71Filings in 2018 (latest validated)
Filings climbed 42% over the past 8 months.
Comparable tracts
Census tracts with similar eviction risk
Within Oak Ridge. 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.
- 13.2%Housing insecurity
- 9.6%Utility-shutoff threat
- 17.3%Food insecurity
- 16.6%SNAP enrollment
- 9.4%Transit barriers
- 7.8%No health insurance
- 18.7%Frequent mental distress
- 33.1%Any disability
Analysis
What drives eviction risk in Oak Ridge
The heaviest input here is tenant organizing strength at 8.6/10. 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 Waverly eviction risk, while the economic and supply signals are measured at the tract level.
Set against its neighbors, this tract scores above the Eaton County average of 5.5 and in line with the Michigan statewide average of 5.7. Within its own county it reads on the riskier side for landlords.
HOLC surveyors mapped this tract in the 1930s with a dominant grade of C ("Declining"), 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 75th percentile nationally on the CDC Social Vulnerability Index, a measure of how exposed residents are to housing and economic shocks. High vulnerability tends to track with higher eviction-filing rates when rents climb.
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 26045020103
Q1
What is the eviction-risk score for census tract 26045020103?
Census tract 26045020103 in the Oak Ridge neighborhood scores 3.6/10 (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 26045020103?
Median gross rent is $916/month (ACS 5-year 2023, table B25064). 47% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 26045020103?
16.9% of residents in tract 26045020103 live below the federal poverty line (ACS B17001, 2023). Population: 3,622.
Q4
How socially vulnerable is tract 26045020103?
CDC Social Vulnerability Index ranks this tract in the 75th percentile nationally. Sub-themes: socioeconomic 60th, household 89th, minority 48th, housing 75th.
Q5
Is tract 26045020103 considered part of Oak Ridge?
Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 26045020103 fall within Oak Ridge (neighborhood centroid within 0.6 miles, OSM data).
Q6
How many evictions are filed each year in tract 26045020103?
Princeton Eviction Lab recorded 426 eviction filings across 8 validated years in tract 26045020103 (2000-2018). The average annual filing rate is 7.42% of renter households, peaking at 9.9% in 2015. Source: Eviction Lab tract-validated 2024 release.
Q7
What share of households in tract 26045020103 struggle to pay rent?
About 13.2% 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. 9.6% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q8
How does tract 26045020103 compare to Waverly overall?
Tract 26045020103 scores 3.6/10, higher than the parent city of Waverly at 3/10. City-scale signals (state law, local rent controls, court bias) are inherited from Waverly eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.
Q9
Was tract 26045020103 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 Waverly
Top eight tracts in Waverly ranked by composite eviction-risk score.
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