Life Style Levels: Neighborhood Delineation using Geospatial Data
Authors: Srivatsa Kulkarni, Debarag Banerjee
Organizations: Senior Data Scientist, L&T Finance · Chief AI & Data Officer, L&T Finance
Abstract
Fine-scale socioeconomic information is often unavailable across rapidly ur-banizing regions of the developing world, like India, limiting the ability to delineate intra-urban variations in affluence and deprivation. This study pro-poses a scalable, grid-based urban delineation framework using building morphology derived from open-source satellite imagery. Urban areas across 59 Indian cities and towns are partitioned into high-resolution spatial grids and characterized using interpretable morphological indicators, which are combined into a transparent, rule-based scoring framework to delineate areas with contrasting levels of urban affluence. The resulting classifications are validated through ground-level Google Street View observations, revealing a sharp contrast between the grid classes which are consistent with the ex-pected effects of the lifestyle affluence indicators. We further investigate density-based clustering of building footprints in Mumbai to identify dense urban settlements, demonstrating that the resulting clusters exhibit substan-tial spatial overlap with known informal settlements across the city. Finally, we conduct an exploratory analysis mapping consumer loan delinquency across the derived affluence classes. By relying entirely on publicly available geospatial data, the proposed framework provides a scalable, interpretable, and cost-effective approach for granular urban affluence mapping across In-dian cities.
Accurate mapping of informal settlements remains a major challenge in Sub-Saharan African (SSA) cities because optical imagery often fails to distinguish Informal Settlements (defined here as LCZ 7) from spectrally similar formal Compact Low-Rise areas (LCZ 3). This study presents a context-aware, reproducible Optical-SAR framework that improves informal settlement delineation using Sentinel-2 spectral features and Sentinel-1 structural information within an adapted Local Climate Zone (LCZ) taxonomy. We implement a three-tier SAR integration strategy: calibrated backscatter, GLCM textures, and a physics-guided feature engineered to capture the high structural disorder and weak radar return characteristic of SSA informal settlements. Using reference data across Nairobi and Eldoret (Kenya), we evaluate performance via a stratified hold-out protocol and a season-aware ablation study. Results show that SAR textures provide the dominant performance gain for LCZ 7 detection. The Optical-SAR model achieves overall accuracy of 0.816 (dry) and 0.807 (wet), significantly outperforming the WUDAPT baseline (OA 0.704) and reducing the critical LCZ 3 - LCZ 7 confusion to 7%. Seasonal analysis indicates that while optical-only separability varies with phenology, SAR-derived textures stabilize informal settlement mapping across seasons. These findings demonstrate that the incorporation of SAR-derived features yields consistent improvements for urban morphology mapping in data-scarce environments across seasons and across the evaluated source cities, while cross-city transfer remains limited without local adaptation strategies.
As a widespread form of informal settlements, urban villages present significant challenges for sustainable urban development and governance. Precise mapping of their infrastructure is essential, however, existing remote sensing datasets primarily focus on formal urban environments, lacking fine-grained annotated data for the high-density building patterns and narrow road networks typical of urban villages. To address this gap, we introduce the \textit{DenseUIS} dataset, the first high-resolution remote sensing dataset specifically designed for building and road extraction in extremely dense urban informal settlements, covering 126 urban villages across Shenzhen and Guangzhou in China. Furthermore, we conduct a comprehensive evaluation of state-of-the-art deep learning models on this dataset. Experimental results reveal the limitations of existing methods in handling the unique morphological patterns of dense informal settlements, underscoring the need for specialized approaches. \textit{DenseUIS} therefore provides a robust benchmark for advancing fine-grained urban mapping in complex and high-density informal environments. The dataset is publicly available at https://github.com/rui-research/DenseUIS.
Pixel-level slum mapping has long been constrained by limited cross-city generalisation, the absence of continuous density estimation, and weak global comparability. AlphaEarth Foundations (AEF), a globally consistent 64-dimensional annual surface embedding at 10 m, offers a new analysis-ready basis for lightweight slum monitoring, but its applicability to slum detection - an indirectly coupled task shaped by both built form and socio-economic processes - remains untested. We evaluate AEF on slum classification and sub-pixel density estimation across 12 cities and 69 city-year pairs (2017-2024), using GRAM pseudo-masks as supervisory labels. The evaluation spans four training strategies, two protocols (random split and 3x3 spatial block cross-validation), six auxiliary feature configurations, and five baseline models, complemented by representation-level analyses (PCA, SHAP) and full-AOI mapping. Five findings emerge. (1) Same-city cross-year training is optimal under both protocols (median spatial F1 = 0.616, R^2 = 0.466); temporal expansion outperforms cross-city transfer, indicating city-scale representational drift. (2) Regression R^2 is driven primarily by zero/non-zero boundary discrimination: positive-pixel R^2 is consistently negative across all cities, revealing limited capacity to model intra-pixel density gradients at 10 m. (3) PC36 is consistently top-ranked across tasks; classification saturates at k = 32 while regression remains unsaturated at k = 64. (4) POI features yield the largest density gain (Delta R^2 = +0.064). (5) For six cities meeting dual-task usability thresholds, full-AOI inference across 2017-2024 preserves slum cluster structure (mean SSIM = 0.926). The study delineates the capabilities and complementarity needs of foundation-model embeddings for slum monitoring.