What is the Best Neighborhoods USA ranking for Gary?
Gary is ranked #17 of 29 eligible neighborhoods in Duluth; #138 of 275 eligible neighborhoods in MN; and #3,550 of 14,967 eligible neighborhoods in the United States.
Neighborhood Profile
Gary
Duluth, MN | Saint Louis County
Scored premium profile
Best Neighborhoods USA Index
61.5
Stability and Strength
44.3
Value Opportunity
55.8
Momentum
96.9
Score note: Rankings show denominators so users always see the size of the eligible cohort.
| Context | Value |
|---|---|
| Location | Duluth, MN |
| County | Saint Louis County |
| National rank | #3,550 of 14,967 |
| State rank | #138 of 275 |
| City rank | #17 of 29 |
| County rank | #17 of 29 |
| National percentile | 76.3 |
| National band | TOP_25_PERCENT |
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Housing and local fundamentals
| Housing and market metrics | Value |
|---|---|
| Current Zillow home value | $216,139 |
| Year-over-year home value change | 9.6% |
| Month-over-month home value change | 0.97% |
| Home value to income ratio | 3.32 |
| Median household income | $65,132 |
| Bachelor's degree or higher | 13.4% |
| Civilian unemployment rate | 3.8% |
| Homeownership rate | 75.1% |
| Housing vacancy rate | 7.8% |
| Rent burden 30% or higher | 49.9% |
How to read this profile
- Ranks are always shown with denominators.
- Momentum reflects both year-over-year and month-over-month housing change.
- Stability and Strength and Value Opportunity are governed composite scores.
- Identity composition is descriptive intelligence and is not a scoring component.
Questions and Answers
Questions About Living in Gary
Is Gary one of the best neighborhoods in Duluth?
Gary has a Best Neighborhoods USA Index of 61.5 and a city ranking of #17 of 29 eligible neighborhoods in Duluth.
How much are homes worth in Gary?
The current Zillow Home Value Index for Gary is approximately $216,139.
Are home values rising or falling in Gary?
Zillow neighborhood values changed 9.6% year over year and 0.97% month over month.
What is the Neighborhood Momentum Score for Gary?
Gary has a Neighborhood Momentum Score of 96.9. Momentum is 70% year-over-year and 30% month-over-month Zillow housing change.
What is the median household income in Gary?
The NDS-derived neighborhood median household income is approximately $65,132.
How affordable is Gary relative to household income?
The current Zillow home-value-to-household-income ratio is 3.32. Price-to-income affordability is a major Value Opportunity input.
Is Gary primarily homeowners or renters?
The NDS-derived homeownership rate is approximately 75.1%.
What is the unemployment rate in Gary?
The NDS-derived civilian unemployment rate is approximately 3.8%.
How educated are residents of Gary?
Approximately 13.4% of residents age 25 and older are estimated to have a bachelor's degree or higher.
What share of renters in Gary face high rent burden?
Approximately 49.9% of the applicable renter-household universe is estimated to spend 30% or more of household income on gross rent.
How does Best Neighborhoods USA score Gary?
The overall index combines 40% Stability and Strength, 35% Value Opportunity, and 25% Momentum. Race, ethnicity, and identity composition are not scoring components.
Governed ranking context
How this neighborhood ranks
HMDA Mortgage Intelligence
Neighborhood Mortgage Market
Modeled neighborhood-level mortgage activity allocated from governed HMDA tract data using Zillow neighborhood geometry. These neighborhood values are nonadditive and do not enter the Best Neighborhoods USA Index.
Activity year2024
Estimated applications20
Estimated originations13
Home-purchase applications11
Origination rate67.6%
Home-purchase share53.2%
Average application loan$137,495
Total application loan amount$2,733,819
National application rank#10,668 of 14,874 rankable neighborhoods
Geometry coverage100.0%
Recent trend: Applications -4.0% YoY; originations 29.4% YoY
Mortgage methodology
HMDA is natively reported at tract and other lender-reporting geographies, not Zillow neighborhood or ZIP geography. This module uses the certified NDS HMDA-to-Zillow tract-vintage crosswalk and area-weighted allocation. Rankings require governed geometry coverage. Applicant demographics are excluded. Neighborhood values may overlap and must not be summed to reconstruct ZIP or national totals.