Neighborhood · Ranked #24,859 of 84,120 nationally

Northlawn Eviction Risk: Moderate , Toledo

Tract 39095001002 · Lucas County, OH · pop 2,480 · neighborhood within 0.4 mi

Tract 39095001002 sits in the Northlawn area of Toledo eviction risk, OH, carrying an eviction-risk score of 5.4/10. Population here is 2,480. 47% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears.

Risk score

5.4

Moderate

Confidence 100% · 1–10 scale

Household mix · 100 hh

Burdened renters 21% Stable renters 16% Owners 63%

Tract context

Occupied units949

Renter share37.1%

SVI overall0.75

Poverty rate46.5%

Median income$27,610

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Toledo and the region

Centroid at 41.6856, -83.5340 · click any tract to drill in

Why Northlawn scores 5.4

9 axes · 1 = landlord-friendly

Local 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

46.5% poverty · this tract

10.0

Supply constraint

$997 rent vs county FMR

4.4

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 Northlawn compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 75

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

82%Socioeconomic
96%Household composition
82%Racial/ethnic minority
15%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
9%Grade B
63%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 Northlawn. 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.

32.5%Housing insecurity
27.8%Utility-shutoff threat
44.4%Food insecurity
47.7%SNAP enrollment
22.1%Transit barriers
16.1%No health insurance
23.3%Frequent mental distress
45.9%Any disability

Analysis

What drives eviction risk in Northlawn

The score leans hardest on economic stress at 10/10. The poverty rate is 47%, which in this model reads as reduced rent-recovery odds after a judgment.

Cost burden runs 56% here against 41.3% across Lucas County. Set annual rent against average income of $27,610 and the ratio lands at 43%, above the conventional 30% ceiling. Inability to pay a utility bill runs 27.8% against 9.2% nationally. Utility arrears usually lead rent arrears by a month or two.

Sitting well above the midpoint, court filing pressure reads 8.9/10. Well under the midpoint, rent-regulation exposure reads 1.5/10.

Disability prevalence runs 45.9% against 31.5% nationally. It sits 1.2 points above the Lucas County average of 4.2. At $997 a month, rents run 11% over what the rest of Toledo commands.

In the 1930s the federal Home Owners' Loan Corporation graded this ground C ("Definitely Declining"). Redlining cut off mortgage credit to whole blocks for decades, and the areas graded D still carry measurably lower ownership and higher rent burden today.

These are ACS 5-year estimates; the score moves when the ACS, court-record, or statute inputs behind it move.

Frequently asked

About tract 39095001002

What is the eviction-risk score for census tract 39095001002?

Census tract 39095001002 in the Northlawn neighborhood scores 5.4/10 (Moderate tier). The Eviction Risk Score blends state law, county filing rates, parent-city politics, and tract-specific rent-to-income ratios + poverty signals.

What is the average rent in tract 39095001002?

Median gross rent is $997/month (ACS 5-year 2023, table B25064). 56% of renter households are cost-burdened.

What is the poverty rate in tract 39095001002?

46.5% of residents in tract 39095001002 live below the federal poverty line (ACS B17001, 2023). Population: 2,480.

How socially vulnerable is tract 39095001002?

CDC Social Vulnerability Index ranks this tract in the 75th percentile nationally. Sub-themes: socioeconomic 82th, household 96th, minority 82th, housing 15th.

Is tract 39095001002 considered part of Northlawn?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 39095001002 fall within Northlawn (neighborhood centroid within 0.4 miles, OSM data).

What share of households in tract 39095001002 struggle to pay rent?

About 32.5% 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. 27.8% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 39095001002 compare to Toledo overall?

Tract 39095001002 scores 5.4/10, higher than the parent city of Toledo at 4/10. 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.

Was tract 39095001002 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.