Neighborhood · Ranked #34,332 of 84,120 nationally

North Towne Eviction Risk: Moderate , Toledo

Tract 39095005705 · Lucas County, OH · pop 1,892 · neighborhood within 0.7 mi

Census tract 39095005705 runs through North Towne in Toledo. With 1,892 residents, it scores 4.9/10 for landlords. That is riskier than about 34% of US census tracts.

23% of renter households here spend at least 30% of income on rent, a moderate level, and 10% are severely burdened at 50% or more. The typical renter pays about $910 a month while the average household earns $54,808 a year, roughly 20% of income at the averages. About 34% of occupied units are renter-occupied.

Risk score

4.4

Moderate

Confidence 100% · 1–10 scale

Household mix · 100 hh

Burdened renters 8% Stable renters 26% Owners 66%

Tract context

Occupied units1,002

Renter share33.8%

SVI overall0.43

Poverty rate15.8%

Median income$54,808

Percentile rank

Higher percentile = riskier than more peers.

Geographic context

Risk heat across Toledo and the region

Centroid at 41.7174, -83.5400 · click any tract to drill in

Why North Towne scores 4.4

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

15.8% poverty · this tract

3.9

Supply constraint

$910 rent vs county FMR

3.6

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 North Towne compares

Risk score vs. parent city, county, state.

CDC Social Vulnerability Index

SVI percentile: 43

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

70%Socioeconomic
34%Household composition
62%Racial/ethnic minority
12%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
9%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 North Towne. 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.

17.5%Housing insecurity
12.5%Utility-shutoff threat
21.8%Food insecurity
19.3%SNAP enrollment
11.3%Transit barriers
11.8%No health insurance
21.7%Frequent mental distress
35.0%Any disability

Analysis

What drives eviction risk in North Towne

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 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.

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.

The tract is predominantly White and ranks around the 43rd 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, conditions here are middle-of-the-road. Standard screening and prompt, documented notices usually keep cases short.

Frequently asked

About tract 39095005705

What is the eviction-risk score for census tract 39095005705?

Census tract 39095005705 in the North Towne neighborhood scores 4.4/10 (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 39095005705?

Median gross rent is $910/month (ACS 5-year 2023, table B25064). 23% of renter households are cost-burdened.

What is the poverty rate in tract 39095005705?

15.8% of residents in tract 39095005705 live below the federal poverty line (ACS B17001, 2023). Population: 1,892.

How socially vulnerable is tract 39095005705?

CDC Social Vulnerability Index ranks this tract in the 43th percentile nationally. Sub-themes: socioeconomic 70th, household 34th, minority 62th, housing 12th.

Is tract 39095005705 considered part of North Towne?

Yes. Per Census Bureau 2020 Block Assignment Files, the plurality of blocks in tract 39095005705 fall within North Towne (neighborhood centroid within 0.7 miles, OSM data).

What share of households in tract 39095005705 struggle to pay rent?

About 17.5% 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. 12.5% also reported utility shutoff threats, a frequent precursor to eviction filings.

How does tract 39095005705 compare to Toledo overall?

Tract 39095005705 scores 4.4/10, 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.

Was tract 39095005705 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.