Within parent city
50
th percentile
Moderate
Census Tract · Ranked #39,389 of 84,120 nationally
Garwood Eviction Risk: Moderate
Tract 34039036900 · Union County, NJ · pop 4,542
For landlords sizing up Garwood in Union County, census tract 34039036900 carries an elevated eviction-risk score of 6.3/10. It lands near the 82nd percentile nationally for landlord eviction risk.
About 34% of renters carry a rent burden of 30% of income or higher, a high level, and 7% are severely burdened at 50% or more. Average rent runs $1,603 a month against an average household income of $100,948 a year, roughly 19% of income at the averages. About 45% of occupied units are renter-occupied.
Risk score
4.1
Moderate
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 16%
Stable renters 30%
Owners 54%
Tract context
Occupied units2,054
Renter share45.2%
SVI overall0.29
Poverty rate9.2%
Median income$100,948
Percentile rank
Higher percentile = riskier than more peers.Within county
46
th percentile
Moderate
Within state
58
th percentile
Elevated
National
53
th percentile
Moderate
Geographic context
Risk heat across Garwood and the region
Centroid at 40.6513, -74.3232 · click any tract to drill in
Why Garwood scores 4.1
9 axes · 1 = landlord-friendlyLocal political climate
Inherited from Garwood
7.1
Regional political climate
2024 county presidential margin
6.8
State political climate
New Jersey legislature & governorship
6.8
Economic stress
9.2% poverty · this tract
2.3
Supply constraint
$1,603 rent vs county FMR
2.5
Rent control risk
Inherited from Garwood
4.8
Eviction process difficulty
State law sets the calendar
6.5
Tenant organizing strength
Inherited from Garwood
8.7
Housing court bias
Inherited from Garwood
4.8
How Garwood compares
Risk score vs. parent city, county, state.CDC Social Vulnerability Index
SVI percentile: 29
CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.
- 27%Socioeconomic
- 28%Household composition
- 40%Racial/ethnic minority
- 41%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
- 67%Grade C
- 2%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)
- 79Total filings over 4 yrs
- 2.89%Avg annual filing rate
- 3.4%Peak (2016)
- 13Filings in 2018 (latest validated)
Filings dropped 35% over the past 4 months.
Comparable tracts
Census tracts with similar eviction risk
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.
- 9.9%Housing insecurity
- 5.7%Utility-shutoff threat
- 10.7%Food insecurity
- 6.2%SNAP enrollment
- 6.0%Transit barriers
- 9.4%No health insurance
- 15.3%Frequent mental distress
- 23.5%Any disability
Analysis
What drives eviction risk in Garwood
The heaviest input here is tenant organizing strength at 8.7/10. 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 Garwood, while the economic and supply signals are measured at the tract level.
Set against its neighbors, this tract scores about the same as the Union County average of 6.6 and in line with the New Jersey statewide average of 6.6. Within its own county it reads on the safer side for landlords.
The tract is predominantly White and ranks around the 29th 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.
Princeton eviction risk's Eviction Lab logged 79 eviction filings here over 4 tracked years, with about 2.9% of renter households facing a filing in a typical year. Filings peaked at 3.4% of renter households in 2016.
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 34039036900
Q1
What is the eviction-risk score for census tract 34039036900?
Census tract 34039036900 in Garwood scores 4.1/10 (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 34039036900?
Median gross rent is $1,603/month (ACS 5-year 2023, table B25064). 34% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 34039036900?
9.2% of residents in tract 34039036900 live below the federal poverty line (ACS B17001, 2023). Population: 4,542.
Q4
How socially vulnerable is tract 34039036900?
CDC Social Vulnerability Index ranks this tract in the 29th percentile nationally. Sub-themes: socioeconomic 27th, household 28th, minority 40th, housing 41th.
Q5
How many evictions are filed each year in tract 34039036900?
Princeton eviction risk Eviction Lab recorded 79 eviction filings across 4 validated years in tract 34039036900 (2000-2018). The average annual filing rate is 2.89% of renter households, peaking at 3.4% in 2016. Source: Eviction Lab tract-validated 2024 release.
Q6
What share of households in tract 34039036900 struggle to pay rent?
About 9.9% 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. 5.7% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q7
How does tract 34039036900 compare to Garwood overall?
Tract 34039036900 scores 4.1/10, lower than the parent city of Garwood at 7.5/10. City-scale signals (state law, local rent controls, court bias) are inherited from Garwood; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.
Q8
Was tract 34039036900 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. 2% 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.
Related