Within neighborhood
50
th percentile
Moderate
Neighborhood · Ranked #44,543 of 84,120 nationally
Harvard Village Eviction Risk: Lower , Toledo
Tract 39095004501 · Lucas County, OH · pop 2,731 · neighborhood within 0.5 mi
The Harvard Village area of Toledo anchors census tract 39095004501, which lands at 5.2/10 on landlord eviction risk. That is riskier than about 45% of US census tracts.
Rent eats 30% or more of income for 38% of renter households, a high level, and 29% are severely burdened at 50% or more. Average rent runs $853 a month against an average household income of $70,927 a year, roughly 14% of income at the averages. About 34% of occupied units are renter-occupied.
Risk score
3.8
Lower
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 13%
Stable renters 21%
Owners 66%
Tract context
Occupied units1,185
Renter share33.5%
SVI overall0.15
Poverty rate10.6%
Median income$70,927
Percentile rank
Higher percentile = riskier than more peers.Within parent city
15
th percentile
Very Low
Within county
38
th percentile
Low
Within state
56
th percentile
Elevated
Geographic context
Risk heat across Toledo and the region
Centroid at 41.6076, -83.5884 · click any tract to drill in
Why Harvard Village scores 3.8
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
10.6% poverty · this tract
2.6
Supply constraint
$853 rent vs county FMR
3.1
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 Harvard Village compares
Risk score vs. parent city, county, state.CDC Social Vulnerability Index
SVI percentile: 15
CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.
- 24%Socioeconomic
- 34%Household composition
- 32%Racial/ethnic minority
- 10%Housing & transportation
Historical context · 1930s redlining
HOLC grade: A: Best
This tract sits within an area graded by the Home Owners' Loan Corporation in the 1930s. Grade A meant wealthy, predominantly white neighborhoods favored for lending. These designations suppressed minority homeownership for generations and remain a documented predictor of present-day eviction filings and rent burden.
- 22%Grade A
- 16%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.
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)
- 296Total filings over 15 yrs
- 6.49%Avg annual filing rate
- 7.0%Peak (2003)
- 16Filings in 2018 (latest validated)
Filings dropped 41% over the past 15 months.
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.
- 9.8%Housing insecurity
- 6.9%Utility-shutoff threat
- 10.6%Food insecurity
- 7.9%SNAP enrollment
- 6.3%Transit barriers
- 6.8%No health insurance
- 16.9%Frequent mental distress
- 24.6%Any disability
Analysis
What drives eviction risk in Harvard Village
The heaviest input here is tenant organizing strength at 4.5/10. 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 Toledo 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 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.
In CDC survey modeling, about 9.8% of adults here said they could not pay rent or mortgage at some point in the past year, and 6.9% faced a utility shutoff threat, a common early warning before a filing.
The tract is predominantly White and ranks around the 15th percentile nationally on the CDC Social Vulnerability Index, a measure of how exposed residents are to housing and economic shocks. That is a relatively low-vulnerability reading.
For a landlord, conditions here are middle-of-the-road. Standard screening and prompt, documented notices usually keep cases short.
Frequently asked
About tract 39095004501
Q1
What is the eviction-risk score for census tract 39095004501?
Census tract 39095004501 in the Harvard Village neighborhood scores 3.8/10 (Lower 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 39095004501?
Median gross rent is $853/month (ACS 5-year 2023, table B25064). 38% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 39095004501?
10.6% of residents in tract 39095004501 live below the federal poverty line (ACS B17001, 2023). Population: 2,731.
Q4
How socially vulnerable is tract 39095004501?
CDC Social Vulnerability Index ranks this tract in the 15th percentile nationally. Sub-themes: socioeconomic 24th, household 34th, minority 32th, housing 10th.
Q5
Is tract 39095004501 considered part of Harvard Village?
Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 39095004501 fall within Harvard Village (neighborhood centroid within 0.5 miles, OSM data).
Q6
How many evictions are filed each year in tract 39095004501?
Princeton Eviction Lab recorded 296 eviction filings across 15 validated years in tract 39095004501 (2000-2018). The average annual filing rate is 6.49% of renter households, peaking at 7.0% in 2003. Source: Eviction Lab tract-validated 2024 release.
Q7
What share of households in tract 39095004501 struggle to pay rent?
About 9.8% 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. 6.9% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q8
How does tract 39095004501 compare to Toledo overall?
Tract 39095004501 scores 3.8/10, 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 39095004501 historically redlined?
Yes. This tract sits inside an area graded by the Home Owners' Loan Corporation in the 1930s, with a dominant grade of A. 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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