Neighborhood · Ranked #4,396 of 84,120 nationally

Melrose Eviction Risk: Elevated , Albany

Tract 36001000403 · Albany County, NY · pop 4,348 · neighborhood within 0.5 mi

Here is how census tract 36001000403, in the Melrose area of Albany eviction risk, looks to a landlord: a 6.7/10 eviction-risk score (Elevated tier) across a population of 4,348. On the national scale it ranks #8,431 of 84,120 for landlord eviction difficulty.

Rent eats 30% or more of income for 56% of renter households, a severe level, and 39% are severely burdened at 50% or more. Average gross rent is $1,185 monthly, set against $85,964 in average yearly household income, roughly 17% of income at the averages. Renters make up 47% of occupied homes.

Risk score

7.1

Elevated

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 26% Stable renters 21% Owners 53%

Tract context

Occupied units2,131

Renter share47.0%

SVI overall0.40

Poverty rate16.0%

Median income$85,964

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Albany and the region

Centroid at 42.6769, -73.8053 · click any tract to drill in

Why Melrose scores 7.1

9 axes · 1 = landlord-friendly

Local political climate

Inherited from Albany

8.0

Regional political climate

2024 county presidential margin

6.6

State political climate

New York legislature & governorship

7.3

Economic stress

16.0% poverty · this tract

4.0

Supply constraint

$1,185 rent vs county FMR

3.0

Rent control risk

Inherited from Albany

7.5

Eviction process difficulty

State law sets the calendar

7.5

Tenant organizing strength

Inherited from Albany

7.5

Housing court bias

Inherited from Albany

7.5

How Melrose compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 40

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

65%Socioeconomic
18%Household composition
48%Racial/ethnic minority
26%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.

35%Grade A
4%Grade B
46%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 Melrose. 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.

10.8%Housing insecurity
6.8%Utility-shutoff threat
12.2%Food insecurity
10.6%SNAP enrollment
7.2%Transit barriers
5.2%No health insurance
14.9%Frequent mental distress
24.6%Any disability

Analysis

What drives eviction risk in Melrose

What moves this score most is eviction process difficulty at 7.5/10. 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 Albany eviction risk, while the economic and supply signals are measured at the tract level.

Set against its neighbors, this tract scores above the Albany County average of 6.0 and above the New York statewide average of 6.3. Within its own county it reads on the riskier side for landlords.

The tract is predominantly White and ranks around the 40th percentile nationally on the CDC Social Vulnerability Index, a measure of how exposed residents are to housing and economic shocks. That is a middle-of-the-pack reading for social vulnerability.

In CDC survey modeling, about 10.8% of adults here said they could not pay rent or mortgage at some point in the past year, and 6.8% 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 36001000403

What is the eviction-risk score for census tract 36001000403?

Census tract 36001000403 in the Melrose neighborhood scores 7.1/10 (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 36001000403?

Median gross rent is $1,185/month (ACS 5-year 2023, table B25064). 56% of renter households are cost-burdened.

What is the poverty rate in tract 36001000403?

16.0% of residents in tract 36001000403 live below the federal poverty line (ACS B17001, 2023). Population: 4,348.

How socially vulnerable is tract 36001000403?

CDC Social Vulnerability Index ranks this tract in the 40th percentile nationally. Sub-themes: socioeconomic 65th, household 18th, minority 48th, housing 26th.

Is tract 36001000403 considered part of Melrose?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 36001000403 fall within Melrose (neighborhood centroid within 0.5 miles, OSM data).

What share of households in tract 36001000403 struggle to pay rent?

About 10.8% 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. 6.8% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 36001000403 compare to Albany overall?

Tract 36001000403 scores 7.1/10, lower than the parent city of Albany at 9.8/10. City-scale signals (state law, local rent controls, court bias) are inherited from Albany eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.

Was tract 36001000403 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 Albany

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