Neighborhood · Ranked #6,289 of 84,120 nationally

Union Street Eviction Risk: Elevated , Schenectady

Tract 36093020500 · Schenectady County, NY · pop 5,267 · neighborhood within 0.4 mi

The Elevated-tier score of 6.8/10 for census tract 36093020500 reflects conditions in Union Street in Schenectady, New York. It lands near the 91st percentile nationally for landlord eviction risk.

About 67% of renters carry a rent burden of 30% of income or higher, a severe level, and 47% are severely burdened at 50% or more. Average gross rent is $1,656 monthly, set against $75,889 in average yearly household income, roughly 26% of income at the averages. About 21% of occupied units are renter-occupied.

Risk score

6.7

Elevated

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 14% Stable renters 7% Owners 79%

Tract context

Occupied units1,950

Renter share21.0%

SVI overall0.28

Poverty rate15.1%

Median income$75,889

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Schenectady and the region

Centroid at 42.8122, -73.9091 · click any tract to drill in

Why Union Street scores 6.7

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

15.1% poverty · this tract

3.8

Supply constraint

$1,656 rent vs county FMR

6.1

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 Union Street compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 28

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

25%Socioeconomic
15%Household composition
49%Racial/ethnic minority
51%Housing & transportation

Historical context · 1930s redlining

HOLC grade: B: Still Desirable

This tract sits within an area graded by the Home Owners' Loan Corporation in the 1930s. Grade B meant middle-class areas with mortgage access. These designations suppressed minority homeownership for generations and remain a documented predictor of present-day eviction filings and rent burden.

6%Grade A
80%Grade B
0%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.

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.

13.0%Housing insecurity
8.0%Utility-shutoff threat
14.6%Food insecurity
12.9%SNAP enrollment
8.2%Transit barriers
6.3%No health insurance
16.3%Frequent mental distress
27.3%Any disability

Analysis

What drives eviction risk in Union Street

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 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.

In CDC survey modeling, about 13.0% of adults here said they could not pay rent or mortgage at some point in the past year, and 8.0% faced a utility shutoff threat, a common early warning before a filing.

HOLC surveyors mapped this tract in the 1930s with a dominant grade of B ("Still Desirable"), above the redlined D tier. The grading still shaped decades of lending and development in the surrounding area.

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 36093020500

What is the eviction-risk score for census tract 36093020500?

Census tract 36093020500 in the Union Street neighborhood scores 6.7/10 (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 36093020500?

Median gross rent is $1,656/month (ACS 5-year 2023, table B25064). 67% of renter households are cost-burdened.

What is the poverty rate in tract 36093020500?

15.1% of residents in tract 36093020500 live below the federal poverty line (ACS B17001, 2023). Population: 5,267.

How socially vulnerable is tract 36093020500?

CDC Social Vulnerability Index ranks this tract in the 28th percentile nationally. Sub-themes: socioeconomic 25th, household 15th, minority 49th, housing 51th.

Is tract 36093020500 considered part of Union Street?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 36093020500 fall within Union Street (neighborhood centroid within 0.4 miles, OSM data).

What share of households in tract 36093020500 struggle to pay rent?

About 13.0% 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. 8.0% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 36093020500 compare to Schenectady overall?

Tract 36093020500 scores 6.7/10, 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 36093020500 historically redlined?

Yes. This tract sits inside an area graded by the Home Owners' Loan Corporation in the 1930s, with a dominant grade of B. 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.