Within parent city
77
th percentile
High
Census Tract · Ranked #51,553 of 84,120 nationally
Kettering Eviction Risk: Lower
Tract 39113020100 · Montgomery County, OH · pop 2,680
Census tract 39113020100 covers Kettering in Montgomery County, home to 2,680 residents. For landlords it grades 5.2/10, a moderate reading. That is riskier than roughly 45% of the 84,120 US census tracts we score.
About 34% of renters carry a rent burden of 30% of income or higher, a high level, and 14% are severely burdened at 50% or more. The typical renter pays about $783 a month while the average household earns $62,446 a year, roughly 15% of income at the averages. About 28% of occupied units are renter-occupied.
Risk score
3.4
Lower
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 9%
Stable renters 19%
Owners 72%
Tract context
Occupied units1,275
Renter share28.1%
SVI overall0.17
Poverty rate14.4%
Median income$62,446
Percentile rank
Higher percentile = riskier than more peers.Within county
45
th percentile
Moderate
Within state
48
th percentile
Moderate
National
39
th percentile
Low
Geographic context
Risk heat across Kettering and the region
Centroid at 39.7161, -84.1906 · click any tract to drill in
Why Kettering scores 3.4
9 axes · 1 = landlord-friendlyLocal political climate
Inherited from Kettering
5.6
Regional political climate
2024 county presidential margin
5.1
State political climate
Ohio legislature & governorship
2.4
Economic stress
14.4% poverty · this tract
3.6
Supply constraint
$783 rent vs county FMR
2.3
Rent control risk
Inherited from Kettering
5.1
Eviction process difficulty
State law sets the calendar
2.1
Tenant organizing strength
Inherited from Kettering
7.4
Housing court bias
Inherited from Kettering
4.9
How Kettering compares
Risk score vs. parent city, county, state.CDC Social Vulnerability Index
SVI percentile: 17
CDC/ATSDR 2022. Higher = more vulnerable. National percentile across 84k tracts.
- 14%Socioeconomic
- 30%Household composition
- 18%Racial/ethnic minority
- 35%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.
- 30%Grade A
- 11%Grade B
- 10%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)
- 220Total filings over 17 yrs
- 3.21%Avg annual filing rate
- 3.7%Peak (2012)
- 15Filings in 2018 (latest validated)
Filings climbed 25% over the past 17 months.
Comparable tracts
Census tracts with similar eviction risk
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.
- 8.1%Housing insecurity
- 6.1%Utility-shutoff threat
- 8.4%Food insecurity
- 6.6%SNAP enrollment
- 5.6%Transit barriers
- 5.0%No health insurance
- 16.0%Frequent mental distress
- 23.2%Any disability
Analysis
What drives eviction risk in Kettering
What moves this score most is tenant organizing strength at 7.4/10. 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 Kettering 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 Montgomery County average of 5.4 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 8.1% of adults here said they could not pay rent or mortgage at some point in the past year, and 6.1% faced a utility shutoff threat, a common early warning before a filing.
HOLC surveyors mapped this tract in the 1930s with a dominant grade of A ("Best"), 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 39113020100
Q1
What is the eviction-risk score for census tract 39113020100?
Census tract 39113020100 in Kettering scores 3.4/10 (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 39113020100?
Median gross rent is $783/month (ACS 5-year 2023, table B25064). 34% of renter households are cost-burdened.
Q3
What is the poverty rate in tract 39113020100?
14.4% of residents in tract 39113020100 live below the federal poverty line (ACS B17001, 2023). Population: 2,680.
Q4
How socially vulnerable is tract 39113020100?
CDC Social Vulnerability Index ranks this tract in the 17th percentile nationally. Sub-themes: socioeconomic 14th, household 30th, minority 18th, housing 35th.
Q5
How many evictions are filed each year in tract 39113020100?
Princeton Eviction Lab recorded 220 eviction filings across 17 validated years in tract 39113020100 (2000-2018). The average annual filing rate is 3.21% of renter households, peaking at 3.7% in 2012. Source: Eviction Lab tract-validated 2024 release.
Q6
What share of households in tract 39113020100 struggle to pay rent?
About 8.1% 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. 6.1% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q7
How does tract 39113020100 compare to Kettering overall?
Tract 39113020100 scores 3.4/10, higher than the parent city of Kettering at 2.4/10. City-scale signals (state law, local rent controls, court bias) are inherited from Kettering eviction risk; what makes this tract different are its tract-specific economic stress and supply-constraint sub-scores.
Q8
Was tract 39113020100 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 Kettering
Top eight tracts in Kettering ranked by composite eviction-risk score.
Tract · OH
39113021800
4.3
/ 10 · Moderate
Tract · OH
39113020400
3.7
/ 10 · Low
Tract · OH
39113021501
3.5
/ 10 · Low
Tract · OH
South Dayton
3.4
/ 10 · Low
Tract · OH
39113021100
3.4
/ 10 · Low
Tract · OH
39113021502
3.3
/ 10 · Low
Tract · OH
39113021301
3.2
/ 10 · Low
Tract · OH
39113021000
3
/ 10 · Low
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