Within neighborhood
0
th percentile
Very Low
Neighborhood · Ranked #24,926 of 84,120 nationally
HarborWalk Eviction Risk: Moderate , Lorain
Tract 39093023000 · Lorain County, OH · pop 4,941 · neighborhood within 1.4 mi
Tract 39093023000 covers the HarborWalk area of Lorain in Ohio. Home to 4,941 residents, it scores 6.2/10 on landlord eviction risk. That is riskier than about 80% of US census tracts.
Rent eats 30% or more of income for 55% of renter households, a severe level, and 36% are severely burdened at 50% or more. Average rent runs $887 a month against an average household income of $53,006 a year, roughly 20% of income at the averages. Renters make up 38% of occupied homes.
Risk score
5
Moderate
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 21%
Stable renters 17%
Owners 62%
Tract context
Occupied units1,972
Renter share37.6%
SVI overall0.60
Poverty rate21.2%
Median income$53,006
Percentile rank
Higher percentile = riskier than more peers.Within parent city
40
th percentile
Moderate
Within county
80
th percentile
High
Within state
79
th percentile
High
Geographic context
Risk heat across Lorain and the region
Centroid at 41.4641, -82.1438 · click any tract to drill in
Why HarborWalk scores 5
9 axes · 1 = landlord-friendlyLocal political climate
Inherited from Lorain
5.4
Regional political climate
2024 county presidential margin
4.9
State political climate
Ohio legislature & governorship
2.4
Economic stress
21.2% poverty · this tract
5.3
Supply constraint
$887 rent vs county FMR
2.3
Rent control risk
Inherited from Lorain
7.1
Eviction process difficulty
State law sets the calendar
2.1
Tenant organizing strength
Inherited from Lorain
8.6
Housing court bias
Inherited from Lorain
8.0
How HarborWalk compares
Risk score vs. parent city, county, state.CDC Social Vulnerability Index
SVI percentile: 60
CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.
- 81%Socioeconomic
- 89%Household composition
- 55%Racial/ethnic minority
- 8%Housing & transportation
Historical context · 1930s redlining
HOLC grade: D: Hazardous (Redlined)
This tract sits within an area graded by the Home Owners' Loan Corporation in the 1930s. Grade D meant Black, immigrant, and poor neighborhoods systematically denied mortgage credit. 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
- 2%Grade C
- 18%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.
Eviction filings
Court-record eviction history
Court-validated eviction filings collected from county clerks and consolidated by the Eviction Lab at Princeton University. Filing rate is filings per 100 renter households.1
Historic baseline (2000–2018)
- 1,045Total filings over 11 yrs
- 11.13%Avg annual filing rate
- 11.6%Peak (2013)
- 77Filings in 2018 (latest validated)
Filings stayed roughly flat over the past 11 months.
Comparable tracts
Census tracts with similar eviction risk
Within HarborWalk. 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.
- 18.1%Housing insecurity
- 12.6%Utility-shutoff threat
- 23.2%Food insecurity
- 19.6%SNAP enrollment
- 11.5%Transit barriers
- 13.4%No health insurance
- 21.0%Frequent mental distress
- 35.6%Any disability
Analysis
What drives eviction risk in HarborWalk
The heaviest input here is tenant organizing strength at 8.6/10. 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 Lorain eviction risk, while the economic and supply signals are measured at the tract level.
Set against its neighbors, this tract scores above the Lorain County average of 5.3 and above the Ohio statewide average of 5.1. Within its own county it reads on the riskier side for landlords.
This tract overlaps land the federal Home Owners' Loan Corporation redlined in the 1930s, a dominant grade of D ("Hazardous") across 18% of the tract. Redlining cut off mortgage credit to Black, immigrant, and working-class blocks, and those areas still tend to carry higher rent burden and eviction filings today.
The tract is racially mixed and ranks around the 60th 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 39093023000
Q1
What is the eviction-risk score for census tract 39093023000?
Census tract 39093023000 in the HarborWalk neighborhood scores 5/10 (Moderate tier). The Eviction Risk Score blends state law, county filing rates, parent-city politics, and tract-specific rent-to-income ratios + poverty signals.
Q2
What is the average rent in tract 39093023000?
Median gross rent is $887/month (ACS 5-year 2023, table B25064). 55% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 39093023000?
21.2% of residents in tract 39093023000 live below the federal poverty line (ACS B17001, 2023). Population: 4,941.
Q4
How socially vulnerable is tract 39093023000?
CDC Social Vulnerability Index ranks this tract in the 60th percentile nationally. Sub-themes: socioeconomic 81th, household 89th, minority 55th, housing 8th.
Q5
Is tract 39093023000 considered part of HarborWalk?
Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 39093023000 fall within HarborWalk (neighborhood centroid within 1.4 miles, OSM data).
Q6
How many evictions are filed each year in tract 39093023000?
Princeton Eviction Lab recorded 1,045 eviction filings across 11 validated years in tract 39093023000 (2000-2018). The average annual filing rate is 11.13% of renter households, peaking at 11.6% in 2013. Source: Eviction Lab tract-validated 2024 release.
Q7
What share of households in tract 39093023000 struggle to pay rent?
About 18.1% 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. 12.6% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q8
How does tract 39093023000 compare to Lorain overall?
Tract 39093023000 scores 5/10, higher than the parent city of Lorain at 2.9/10. City-scale signals (state law, local rent controls, court bias) are inherited from Lorain eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.
Q9
Was tract 39093023000 historically redlined?
Yes. This tract sits inside an area graded by the Home Owners' Loan Corporation in the 1930s, with a dominant grade of D. 18% 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 Lorain
Top eight tracts in Lorain ranked by composite eviction-risk score.
Tract · OH
Pearl Village
6.1
/ 10 · Elevated
Tract · OH
Downtown Lorain
6
/ 10 · Elevated
Tract · OH
Evergreen Village
6
/ 10 · Elevated
Tract · OH
Downtown Lorain
5.9
/ 10 · Elevated
Tract · OH
South Lorain
5.9
/ 10 · Elevated
Tract · OH
South Lorain
5.8
/ 10 · Elevated
Tract · OH
Downtown Lorain
5.6
/ 10 · Elevated
Tract · OH
South Lorain
5.5
/ 10 · Elevated
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