Within neighborhood
0
th percentile
Very Low
Neighborhood · Ranked #39,389 of 84,120 nationally
Five Points Eviction Risk: Moderate , Toledo
Tract 39095000400 · Lucas County, OH · pop 3,993 · neighborhood within 0.5 mi
The Moderate-tier score of 5.1/10 for census tract 39095000400 reflects conditions in the Five Points area of Toledo, Ohio. That is riskier than roughly 41% of the 84,120 US census tracts we score.
34% of renter households here spend at least 30% of income on rent, a high level, and 13% are severely burdened at 50% or more. Average gross rent is $1,066 monthly, set against $49,652 in average yearly household income, roughly 26% of income at the averages. About 49% of occupied units are renter-occupied.
Risk score
4.1
Moderate
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 17%
Stable renters 32%
Owners 51%
Tract context
Occupied units1,438
Renter share49.4%
SVI overall0.40
Poverty rate9.2%
Median income$49,652
Percentile rank
Higher percentile = riskier than more peers.Within parent city
19
th percentile
Very Low
Within county
44
th percentile
Moderate
Within state
62
th percentile
Elevated
Geographic context
Risk heat across Toledo and the region
Centroid at 41.6975, -83.5595 · click any tract to drill in
Why Five Points scores 4.1
9 axes · 1 = landlord-friendlyLocal political climate
Inherited from Toledo
5.5
Regional political climate
2024 county presidential margin
5.8
State political climate
Ohio legislature & governorship
2.4
Economic stress
9.2% poverty · this tract
2.3
Supply constraint
$1,066 rent vs county FMR
5.1
Rent control risk
Inherited from Toledo
1.5
Eviction process difficulty
State law sets the calendar
4.0
Tenant organizing strength
Inherited from Toledo
4.5
Housing court bias
Inherited from Toledo
4.0
How Five Points 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.
- 51%Socioeconomic
- 35%Household composition
- 66%Racial/ethnic minority
- 23%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
- 81%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.
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)
- 865Total filings over 15 yrs
- 10.63%Avg annual filing rate
- 13.9%Peak (2018)
- 86Filings in 2018 (latest validated)
Filings climbed 126% over the past 15 months.
Comparable tracts
Census tracts with similar eviction risk
Within Five Points. 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.
- 15.7%Housing insecurity
- 10.9%Utility-shutoff threat
- 17.1%Food insecurity
- 13.8%SNAP enrollment
- 9.6%Transit barriers
- 9.1%No health insurance
- 20.7%Frequent mental distress
- 28.7%Any disability
Analysis
What drives eviction risk in Five Points
What moves this score most is supply constraint at 5.1/10. That part is specific to this tract, computed from its own rent, income, and poverty figures. Statewide and court-level factors such as eviction-process speed and rent-control exposure are inherited from Toledo eviction risk, while the economic and supply signals are measured at the tract level.
Set against its neighbors, this tract scores below the Lucas County average of 5.5 and in line with the Ohio statewide average of 5.1. Within its own county it reads on the safer side for landlords.
Princeton's Eviction Lab logged 865 eviction filings here over 15 tracked years, with about 10.6% of renter households facing a filing in a typical year. Filings peaked at 13.9% of renter households in 2018.
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.
For a landlord, conditions here are middle-of-the-road. Standard screening and prompt, documented notices usually keep cases short.
Frequently asked
About tract 39095000400
Q1
What is the eviction-risk score for census tract 39095000400?
Census tract 39095000400 in the Five Points neighborhood scores 4.1/10 (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 39095000400?
Median gross rent is $1,066/month (ACS 5-year 2023, table B25064). 34% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 39095000400?
9.2% of residents in tract 39095000400 live below the federal poverty line (ACS B17001, 2023). Population: 3,993.
Q4
How socially vulnerable is tract 39095000400?
CDC Social Vulnerability Index ranks this tract in the 40th percentile nationally. Sub-themes: socioeconomic 51th, household 35th, minority 66th, housing 23th.
Q5
Is tract 39095000400 considered part of Five Points?
Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 39095000400 fall within Five Points (neighborhood centroid within 0.5 miles, OSM data).
Q6
How many evictions are filed each year in tract 39095000400?
Princeton Eviction Lab recorded 865 eviction filings across 15 validated years in tract 39095000400 (2000-2018). The average annual filing rate is 10.63% of renter households, peaking at 13.9% in 2018. Source: Eviction Lab tract-validated 2024 release.
Q7
What share of households in tract 39095000400 struggle to pay rent?
About 15.7% 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. 10.9% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q8
How does tract 39095000400 compare to Toledo overall?
Tract 39095000400 scores 4.1/10, higher than the parent city of Toledo at 3.3/10. City-scale signals (state law, local rent controls, court bias) are inherited from Toledo eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.
Q9
Was tract 39095000400 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 Toledo
Top eight tracts in Toledo ranked by composite eviction-risk score.
Tract · OH
Northriver
6
/ 10 · Elevated
Tract · OH
East Toledo
6
/ 10 · Elevated
Tract · OH
McComas Village
6
/ 10 · Elevated
Tract · OH
Warren-Sherman
6
/ 10 · Elevated
Tract · OH
Birckhead Place
6
/ 10 · Elevated
Tract · OH
Bush Street Historic District
5.9
/ 10 · Elevated
Tract · OH
Heather Downs
5.9
/ 10 · Elevated
Tract · OH
River East
5.9
/ 10 · Elevated
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