Neighborhood · Ranked #2,663 of 84,120 nationally

Northside Eviction Risk: Elevated , Schenectady

Tract 36093020102 · Schenectady County, NY · pop 2,510 · neighborhood within 0.3 mi

The Elevated-tier score of 6.8/10 for census tract 36093020102 reflects conditions in the Northside neighborhood of Schenectady, New York. On the national scale it ranks #7,285 of 84,120 for landlord eviction difficulty.

63% of renter households here spend at least 30% of income on rent, a severe level, and 48% are severely burdened at 50% or more. Average gross rent is $988 monthly, set against $53,375 in average yearly household income, roughly 22% of income at the averages. About 52% of occupied units are renter-occupied, a renter-majority tract.

Risk score

7.7

Elevated

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 33% Stable renters 19% Owners 48%

Tract context

Occupied units1,059

Renter share52.0%

SVI overall0.55

Poverty rate23.9%

Median income$53,375

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Schenectady and the region

Centroid at 42.8295, -73.9161 · click any tract to drill in

Why Northside scores 7.7

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

23.9% poverty · this tract

6.0

Supply constraint

$988 rent vs county FMR

1.6

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: 55

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

51%Socioeconomic
37%Household composition
59%Racial/ethnic minority
63%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
99%Grade C
1%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.

21.6%Housing insecurity
14.4%Utility-shutoff threat
26.1%Food insecurity
26.2%SNAP enrollment
13.9%Transit barriers
9.9%No health insurance
19.4%Frequent mental distress
33.0%Any disability

Analysis

What drives eviction risk in Northside

The score leans hardest on 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 above the Schenectady 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.

Part of this tract, about 1% of its area, sat in the redlined grade-D zone on 1930s HOLC maps, though its dominant grade was C ("Declining"). That lending history still correlates with present-day rent burden.

In CDC survey modeling, about 21.6% of adults here said they could not pay rent or mortgage at some point in the past year, and 14.4% 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 36093020102

What is the eviction-risk score for census tract 36093020102?

Census tract 36093020102 in the Northside neighborhood scores 7.7/10 (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 36093020102?

Median gross rent is $988/month (ACS 5-year 2023, table B25064). 63% of renter households are cost-burdened.

What is the poverty rate in tract 36093020102?

23.9% of residents in tract 36093020102 live below the federal poverty line (ACS B17001, 2023). Population: 2,510.

How socially vulnerable is tract 36093020102?

CDC Social Vulnerability Index ranks this tract in the 55th percentile nationally. Sub-themes: socioeconomic 51th, household 37th, minority 59th, housing 63th.

Is tract 36093020102 considered part of Northside?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 36093020102 fall within Northside (neighborhood centroid within 0.3 miles, OSM data).

What share of households in tract 36093020102 struggle to pay rent?

About 21.6% 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. 14.4% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 36093020102 compare to Schenectady overall?

Tract 36093020102 scores 7.7/10, 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 36093020102 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. 1% 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.