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Census Tract · Ranked #41,206 of 84,120 nationally

Kettering Eviction Risk: Moderate

Tract 39113020400 · Montgomery County, OH · pop 6,819 · 53% of tract blocks fall in Kettering

Census tract 39113020400 covers part of Kettering, OH, and scores 4.5/10 on landlord eviction risk. Population here is 6,819. The clearest offset is eviction-process difficulty at 2.1/10.

Risk score
4.5
Moderate
Confidence 100% · 1–10 scale
Household mix · 100 hh
Burdened renters 14% Stable renters 24% Owners 62%
Tract context
Occupied units2,805
Renter share37.8%
SVI overall0.55
Poverty rate20.8%
Median income$75,486

Percentile rank

Higher percentile = riskier than more peers.
Within parent city
96 th percentile
Rank, 96th percentileLowHigh
#2 of 23 tracts In Kettering
Very High
Within county
57 th percentile
Rank, 57th percentileLowHigh
#68 of 156 tracts In Montgomery County
Elevated
Within state
62 th percentile
Rank, 62nd percentileLowHigh
#1,200 of 3,162 tracts In Ohio
Elevated
National
51 th percentile
Rank, 51st percentileLowHigh
#41,206 of 84,120 tracts In U.S.
Moderate
Geographic context

Risk heat across Kettering and the region

Centroid at 39.6827, -84.1911 · click any tract to drill in

Why Kettering scores 4.5

9 axes · 1 = landlord-friendly
Local 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
20.8% poverty · this tract
5.2
Supply constraint
$1,028 rent vs county FMR
4.5
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.
Kettering risk score vs. parent city / county / state4.5This tracttract 0204004.0Ketteringparent city4.2Countyavg tract in county4.2Stateavg tract in state
CDC Social Vulnerability Index

SVI percentile: 55

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

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.

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)

  • 699Total filings over 17 yrs
  • 4.73%Avg annual filing rate
  • 5.4%Peak (2014)
  • 45Filings in 2018 (latest validated)
Filings by year 2002 to 2018
Year-by-year eviction filings in tract 39113020400
Filings climbed 41% 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.

Analysis

What drives eviction risk in Kettering

On the high side, court filing pressure reads 7.7/10. The poverty rate is 21%. Judgments in high-poverty tracts are collectible far less often than filing counts suggest.

Running cool, state political climate reads 2.4/10. Cost burden runs 37% here against 42.9% across Montgomery County.

Princeton's Eviction Lab logged 699 filings here across 17 tracked years. 8% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. Filings peaked in 2014 at 5.4% of renter households.

In the 1930s the federal Home Owners' Loan Corporation graded this ground A ("Best"). 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. In a typical year about 4.7% of renter households face a filing.

Nationally it ranks #41,206 of 84,120 for landlord eviction difficulty. Social vulnerability reads 6/10 on the CDC index, a measure of exposure to housing and economic shocks. Rent consumes only 16% of average household income of $75,486, an unusually wide affordability cushion.

Of its three components the housing type and transport measure is the most pressured. It tracks the Montgomery County average of 4.2 closely.

All figures here are ACS 5-year estimates for this tract, refreshed as the underlying releases land.

Frequently asked

About tract 39113020400

Q1

What is the eviction-risk score for census tract 39113020400?

Census tract 39113020400 in Kettering scores 4.5/10 (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 39113020400?

Median gross rent is $1,028/month (ACS 5-year 2023, table B25064). 37% of renter households are cost-burdened.
Q3

What is the poverty rate in tract 39113020400?

20.8% of residents in tract 39113020400 live below the federal poverty line (ACS B17001, 2023). Population: 6,819.
Q4

How socially vulnerable is tract 39113020400?

CDC Social Vulnerability Index ranks this tract in the 55th percentile nationally. Sub-themes: socioeconomic 41th, household 66th, minority 21th, housing 74th.
Q5

How many evictions are filed each year in tract 39113020400?

Princeton Eviction Lab recorded 699 eviction filings across 17 validated years in tract 39113020400 (2000-2018). The average annual filing rate is 4.73% of renter households, peaking at 5.4% in 2014. Source: Eviction Lab tract-validated 2024 release.
Q6

What share of households in tract 39113020400 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. 7.3% also reported utility shutoff threats, a frequent precursor to eviction filings.
Q7

How does tract 39113020400 compare to Kettering overall?

Tract 39113020400 scores 4.5/10, higher than the parent city of Kettering at 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 39113020400 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.

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