Neighborhood · Ranked #15,522 of 84,120 nationally

Northside Eviction Risk: Moderate , Schenectady

Tract 36093020101 · Schenectady County, NY · pop 2,449 · neighborhood within 0.6 mi

The Northside area of Schenectady is where census tract 36093020101 sits, home to 2,449 residents. Its landlord eviction-risk score is 5.6/10. It lands near the 60th percentile nationally for landlord eviction risk.

Rent eats 30% or more of income for 24% of renter households, a moderate level, and 5% are severely burdened at 50% or more. The typical renter pays about $1,174 a month while the average household earns $88,954 a year, roughly 16% of income at the averages. About 45% of occupied units are renter-occupied.

Risk score

5.7

Moderate

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 11% Stable renters 34% Owners 55%

Tract context

Occupied units1,431

Renter share45.1%

SVI overall0.21

Poverty rate4.7%

Median income$88,954

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Schenectady and the region

Centroid at 42.8232, -73.9115 · click any tract to drill in

Why Northside scores 5.7

9 axes · 1 = landlord-friendly

Local political climate

Inherited from Schenectady

6.2

Regional political climate

2024 county presidential margin

5.8

State political climate

New York legislature & governorship

7.3

Economic stress

4.7% poverty · this tract

1.2

Supply constraint

$1,174 rent vs county FMR

2.9

Rent control risk

Inherited from Schenectady

7.9

Eviction process difficulty

State law sets the calendar

7.1

Tenant organizing strength

Inherited from Schenectady

9.4

Housing court bias

Inherited from Schenectady

8.2

How Northside compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 21

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

17%Socioeconomic
11%Household composition
56%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
29%Grade B
39%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 Northside. 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.

10.2%Housing insecurity
6.0%Utility-shutoff threat
10.9%Food insecurity
8.6%SNAP enrollment
6.5%Transit barriers
5.0%No health insurance
14.4%Frequent mental distress
22.8%Any disability

Analysis

What drives eviction risk in Northside

The heaviest input here is tenant organizing strength at 9.4/10. 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 Schenectady eviction risk, while the economic and supply signals are measured at the tract level.

Set against its neighbors, this tract scores below the Schenectady County average of 6.0 and below the New York statewide average of 6.3. Within its own county it reads on the safer 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 racially mixed and ranks around the 21st 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.

For a landlord, conditions here are middle-of-the-road. Standard screening and prompt, documented notices usually keep cases short.

Frequently asked

About tract 36093020101

What is the eviction-risk score for census tract 36093020101?

Census tract 36093020101 in the Northside neighborhood scores 5.7/10 (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 36093020101?

Median gross rent is $1,174/month (ACS 5-year 2023, table B25064). 24% of renter households are cost-burdened.

What is the poverty rate in tract 36093020101?

4.7% of residents in tract 36093020101 live below the federal poverty line (ACS B17001, 2023). Population: 2,449.

How socially vulnerable is tract 36093020101?

CDC Social Vulnerability Index ranks this tract in the 21th percentile nationally. Sub-themes: socioeconomic 17th, household 11th, minority 56th, housing 46th.

Is tract 36093020101 considered part of Northside?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 36093020101 fall within Northside (neighborhood centroid within 0.6 miles, OSM data).

What share of households in tract 36093020101 struggle to pay rent?

About 10.2% 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. 6.0% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 36093020101 compare to Schenectady overall?

Tract 36093020101 scores 5.7/10, lower than the parent city of Schenectady at 8.7/10. City-scale signals (state law, local rent controls, court bias) are inherited from Schenectady eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.

Was tract 36093020101 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 Schenectady

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