Neighborhood · Ranked #8,912 of 84,120 nationally

Central State Eviction Risk: Elevated , Schenectady

Tract 36093020600 · Schenectady County, NY · pop 3,656 · neighborhood within 0.7 mi

With a score of 6.3/10, tract 36093020600 in the Central State neighborhood of Schenectady ranks in the Elevated tier for landlord eviction risk. The tract is home to 3,656 residents. That is riskier than about 82% of US census tracts.

Rent eats 30% or more of income for 43% of renter households, a severe level, and 15% are severely burdened at 50% or more. Average gross rent is $1,160 monthly, set against $85,114 in average yearly household income, roughly 16% of income at the averages. About 35% of occupied units are renter-occupied.

Risk score

6.3

Elevated

Confidence 85% · 1–10 scale

Household mix · 100 hh

Burdened renters 15% Stable renters 20% Owners 65%

Tract context

Occupied units1,301

Renter share35.0%

SVI overall0.40

Poverty rate12.5%

Median income$85,114

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Schenectady and the region

Centroid at 42.8002, -73.9099 · click any tract to drill in

Why Central State scores 6.3

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

12.5% poverty · this tract

3.1

Supply constraint

$1,160 rent vs county FMR

2.8

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 Central State 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.

47%Socioeconomic
37%Household composition
49%Racial/ethnic minority
34%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.

0%Grade A
32%Grade B
10%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 Central State. 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.

14.5%Housing insecurity
8.5%Utility-shutoff threat
17.1%Food insecurity
14.6%SNAP enrollment
9.2%Transit barriers
7.9%No health insurance
16.4%Frequent mental distress
29.0%Any disability

Analysis

What drives eviction risk in Central State

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 about the same as the Schenectady County average of 6.0 and in line with 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 14.5% of adults here said they could not pay rent or mortgage at some point in the past year, and 8.5% faced a utility shutoff threat, a common early warning before a filing.

The tract is White and multiracial or other-race 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.

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 36093020600

What is the eviction-risk score for census tract 36093020600?

Census tract 36093020600 in the Central State neighborhood scores 6.3/10 (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 36093020600?

Median gross rent is $1,160/month (ACS 5-year 2023, table B25064). 43% of renter households are cost-burdened.

What is the poverty rate in tract 36093020600?

12.5% of residents in tract 36093020600 live below the federal poverty line (ACS B17001, 2023). Population: 3,656.

How socially vulnerable is tract 36093020600?

CDC Social Vulnerability Index ranks this tract in the 40th percentile nationally. Sub-themes: socioeconomic 47th, household 37th, minority 49th, housing 34th.

Is tract 36093020600 considered part of Central State?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 36093020600 fall within Central State (neighborhood centroid within 0.7 miles, OSM data).

What share of households in tract 36093020600 struggle to pay rent?

About 14.5% 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. 8.5% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 36093020600 compare to Schenectady overall?

Tract 36093020600 scores 6.3/10, 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 36093020600 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.