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Lake of the Woods, Illinois eviction risk overview
City brief · 2,091 residents

Lake of the Woods, IL Eviction Risk: MODERATE

Champaign County · Population 2,091

In 2026
Risk score
4.7
MODERATE

69th percentile, Illinois.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min1.7 Average3.6 Now4.7
10 5 1976 · score 1.7 1977 · score 1.8 1978 · score 1.9 1979 · score 2.0 1980 · score 2.0 1981 · score 2.0 1982 · score 2.1 1983 · score 2.0 1984 · score 2.0 1985 · score 2.0 1986 · score 2.0 1987 · score 2.0 1988 · score 2.3 1989 · score 2.4 1990 · score 2.5 1991 · score 2.5 1992 · score 3.1 1993 · score 3.0 1994 · score 3.1 1995 · score 3.1 1996 · score 3.3 1997 · score 3.3 1998 · score 3.4 1999 · score 3.5 2000 · score 3.0 2001 · score 3.1 2002 · score 3.2 2003 · score 3.2 2004 · score 3.2 2005 · score 3.3 2006 · score 3.4 2007 · score 3.5 2008 · score 4.2 2009 · score 4.3 2010 · score 4.4 2011 · score 4.5 2012 · score 4.2 2013 · score 4.3 2014 · score 4.4 2015 · score 4.4 2016 · score 4.8 2017 · score 5.0 2018 · score 5.2 2019 · score 5.5 2020 · score 6.2 2021 · score 6.2 2022 · score 6.2 2023 · score 6.2 2024 · score 6.2 2025 · score 6.1 2026 · score 4.7

Key metrics

Time machine

Scrub 50 years

2026
● LIVE · today ◀ REPLAY · historical

Nine-axis profile

9-axis profile · today

Shape of the risk surface

1 landlord · 10 tenant
Local 6.5 Regional 6.5 State 5.2 Economic 6.4 Supply 5.7 Rent Control 9.5 Eviction 4.8 Tenant 4.2 Housing 6.7 4.7 MODERATE
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    Dem margin +24.1% (2024)
    6.5
  2. Regional political climate
    County-weighted neighbor mix
    6.5
  3. State political climate
    Illinois legislature & governorship
    5.2
  4. Economic stress
    6.9% poverty · 9.9% unemp.
    6.4
  5. Supply constraint
    $1,190 average · 14.0% renters
    5.7
  6. Rent Control risk
    48.6% of income on rent
    9.5
  7. Eviction process difficulty
    114 days filing → judgment
    4.8
  8. Tenant organizing strength
    14.0% renters
    4.2
  9. Housing court bias
    County bench composition
    6.7
Geographic context

Risk heat across Lake of the Woods and the region

Click any city to see its score

How Lake of the Woods compares

Risk score vs. peers, county, state, and the U.S.
Rank in Champaign County
Moderate
#11 of 20 cities
Rank in county, 47th percentileBottomTop
#11 of 20 cities in Champaign County for landlord eviction risk.
Rank in Illinois
Elevated
#470 of 1,456 cities
Rank in state, 68th percentileBottomTop
#470 of 1,456 cities in Illinois for landlord eviction risk.
vs. county · state · U.S.
Lake of the Woods risk score vs. county / state / U.S.Lake of the Woods: 4.74.7Lake of the WoodsThis cityCounty: 5.15.1Countyavg in countyState: 5.45.4Stateavg in stateU.S.: 5.25.2U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 4.7
    / 10 · MODERATE
    The verdict

    A Moderate-tier market.

    Composite 4.7/10. Mid-range market; standard documentation usually wins. The 50-year curve shows a sharp climb.

    50-yr trend+3.0 over 50 yr
    197620012026

    Steepening since 2010 · COVID inflection visible

  2. 114d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $1,190/mo. A contested eviction takes 114 days and costs $5,215-$15,177 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 14.0%
    Renters
    The renters

    Who you'll be renting to.

    Out of 2,091 residents, 14.0% rent. 49% are spending 30%+ income on rent, 6.9% below the poverty line.

    50-yr trendRenter share rising
    197620012026

    ACS 1970-present · once the migration overlay is in.

  4. 6.5
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 6.5 and 6.5 (Dem margin +24.1% (2024)). State climate at 5.2, a mid-range statehouse.

    50-yr trendTracks county vote margin
    197620012026

    Built on 50-yr presidential margins back to 1976.

  5. 5.2
    State politics
    The process

    Moderate calendar, moderate friction.

    State political climate 5.2/10 sets the legislative ceiling for landlord remedies, and it shows up in the process. Eviction process difficulty reads 4.8, housing court bias 6.7, rent-control risk 9.5. Standard process speed for the state.

    50-yr trendProcess difficulty +-0.2 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 6.4
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 6.4. Supply constraint: 5.7. The numbers behind those: 6.9% poverty, 9.9% unemployment, 49% of income on rent.

    50-yr trendTwo visible dips · '08 + COVID
    197620012026

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Lake of the Woods sits in the slow & expensive quadrant

Bubble size = population · color = risk score
QUICK BUT COSTLY fast docket · high all-in loss SLOW & EXPENSIVE long calendar · high all-in loss QUICK & CHEAP fast docket · low all-in loss SLOW BUT CHEAP long calendar · low all-in loss 30d 50d 75d 100d 150d 200d 300d 450d $2.0k $3.0k $5.0k $7.5k $10k $15k $20k $30k EVICTION TIMELINE (DAYS) → ↑ ALL-IN COST (LOG SCALE) Champaign, IL · 118d · ~$8.9k all-in ($75/day) · score 5.2 Champaign Bloomington, IL · 118d · ~$9.6k all-in ($81/day) · score 4.6 Bloomington Decatur, IL · 117d · ~$8.7k all-in ($74/day) · score 5.4 Decatur Normal, IL · 117d · ~$9.5k all-in ($81/day) · score 4.6 Normal Chicago, IL · 109d · ~$9.0k all-in ($82/day) · score 6.3 Chicago Aurora, IL · 120d · ~$10.2k all-in ($85/day) · score 5.1 Aurora Naperville, IL · 115d · ~$9.2k all-in ($80/day) · score 4.7 Naperville Joliet, IL · 114d · ~$8.4k all-in ($73/day) · score 4.7 Joliet Rockford, IL · 112d · ~$8.5k all-in ($76/day) · score 4.8 Rockford Elgin, IL · 129d · ~$9.9k all-in ($77/day) · score 5 Elgin Houston, TX · 24d · ~$2.5k all-in ($103/day) · score 2.7 Houston Phoenix, AZ · 38d · ~$3.3k all-in ($86/day) · score 3.9 Phoenix Memphis, TN · 31d · ~$2.0k all-in ($66/day) · score 4.6 Memphis Atlanta, GA · 40d · ~$2.8k all-in ($69/day) · score 5.5 Atlanta Boston, MA · 187d · ~$20.3k all-in ($109/day) · score 6.8 Boston New York, NY · 417d · ~$29.5k all-in ($71/day) · score 9.8 New York Seattle, WA · 162d · ~$12.7k all-in ($79/day) · score 6.2 Seattle Lake of the Woods
Lake of the Woods · 114d · ~$10.2k all-in ($89/day) · score 4.7 National average: 58d · $4.6k all-in Hover any bubble for stats · click to open Color: 0-4   4-7   7-10
00Overview

About eviction risk in Lake of the Woods, IL

Landlording in Lake of the Woods, Illinois, presents a manageable operating environment for documented landlords. The Eviction Risk Score is 4.7/10 (MODERATE tier), drawn from the nine sub-axes shown above, covering rent-control exposure, eviction-process difficulty, housing-court bias, tenant-organizing strength, supply constraint, economic stress, and local, regional, and state political climate. This is not a quick-fix market: it's a Mid-tier market where lease drafting, screening discipline, and well-documented notices materially change outcomes.

Lake of the Woods is a city of 2,091 residents where 14.0% of occupied units are renter-occupied, and the typical renter spends 48.6% of income on rent. At an average rent of $1,190/month, the typical renter household here spends more than the federal 30% threshold on housing, a leading indicator of payment volatility and a precondition for the kinds of tenant defenses that show up most often in housing court.

01Process

How Lake of the Woods eviction process actually works

Eviction process difficulty here reads 4.8/10, a number that combines statutory complexity (notice categories, just-cause rules, mandatory pre-filing disclosures) with operational realities (court calendar length and clerk responsiveness). The typical contested filing in Lake of the Woods closes 114 days after the initial notice. For non-payment of rent the first step is a properly-formatted, properly-served pay-or-quit notice; for material lease breaches it's a cure-or-quit; for tenancies under just-cause protection an at-fault grounds notice (or a no-fault notice with statutory relocation assistance) is required.

The slow part of Lake of the Woods's timeline is usually the calendar, not the motion practice. Housing court bias scores 6.7/10 here, meaning judges read borderline procedural defects in the tenant's favor more often than the national norm. The practical implication: every notice and every proof of service needs to be airtight before it gets filed.

02Cost

What it costs (and how long it takes)

An all-in eviction in Lake of the Woods runs $5,215 to $15,177 per case once you account for filing fees, attorney time, lost rent during pendency, sheriff lockout, and unit turnover. That range is wide because the upper bound assumes a tenant answer plus motion practice, common when housing court bias is high. The lower bound assumes a default judgment after proper service.

For landlords running the numbers on holding costs vs. cash-for-keys: if your projected timeline times your monthly rent already exceeds the high-end cost number, cash-for-keys at 1-2 months' rent is typically the economically rational choice. With 114 days of typical timeline and $1,190/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 4.2/10 in Lake of the Woods, and the city sits at the top of the rent control risk spectrum (9.5/10). Operations practice that survives audit in this environment looks like:

  • Screening discipline. Document income (verified at 2.5 to 3x rent), credit (with a clear minimum), and prior-tenancy reference checks, but do not screen on protected categories or source-of-income where banned. Keep a written, consistent screening criteria document for every applicant.
  • Lease specificity. Use a state-specific lease that names every term clearly: rent due date, late fees within statutory caps, deposit handling, smoke and CO disclosure, lead paint disclosure (pre-1978 stock), and a clean attorney's-fees clause.
  • Security deposit handling. Itemize deductions within the statutory window. Photograph move-in/move-out condition. In Illinois, deposit cap and refund window are statute, so exceed them at your own risk.
  • Mid-tenancy documentation. Keep date-stamped records of every rent receipt, every habitability request, every notice served. The day you need them in court is too late to start.
04Strategy

What an everyday landlord should actually do here

If you own one to four units in Lake of the Woods: hire a property manager who knows the local court. The pricing differential between self-managing and hiring out is small relative to the cost of one botched eviction in a MODERATE tier market. If you own five or more: build relationships with a local landlord-side attorney before you need one, since retainer fees are negligible compared to emergency-rate billing when an eviction is already moving.

The avoidable mistakes here are all upstream of the filing: weak screening, an informal lease, sloppy rent receipts, and notice templates pulled off the internet that don't match Illinois's statutory language. Fix those four, and most cases settle or default. Skip them, and a $15,177 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Lake of the Woods

Trap · 22.8 POINTS
Politically, Champaign County voted Democratic by 22.8 points in 2020, a baseline that correlates with tenant-protective legislative pressure. Combined with 48.6% rent-to-income ratio, expect baseline enforcement of ILCS preemption + Chicago RLTO.
05FAQ

Frequently asked questions

Q1

What's the fastest way to get a non-paying tenant out in Lake of the Woods?

The absolute fastest way is often "cash for keys." If you can negotiate a voluntary move-out with a small payment, it will almost always be quicker and cheaper than a formal eviction, which averages 114 days here. Otherwise, serving the 5-day pay-or-quit notice immediately and filing with the court if it expires is the next step.

Q2

Can I refuse to rent to someone with a Section 8 voucher in Lake of the Woods?

No. Illinois has statewide source-of-income protection. This means you cannot discriminate against a tenant solely because their income comes from a lawful source, such as a Section 8 housing voucher. You must treat them like any other applicant and apply your standard, non-discriminatory screening criteria.

Q3

Do I need a lawyer for an eviction in Lake of the Woods?

While not legally required for landlords in Illinois, it is highly recommended, especially with Lake of the Woods's 6.1/10 eviction risk. The process is complex, and even minor errors can lead to significant delays and costs. An attorney ensures proper procedure and represents your interests effectively in court.

Q4

How much notice do I need to give to end a month-to-month lease in Lake of the Woods?

For a no-cause termination of a month-to-month lease in Illinois, you generally need to provide a 30-day notice. Ensure this notice is properly served and documented. If the tenant has a fixed-term lease, you typically cannot terminate it without cause until the lease term expires.

Q5

What if my tenant makes a partial rent payment after I've given them a 5-day notice?

Accepting a partial payment after issuing a 5-day pay-or-quit notice often voids that notice. You would then need to issue a new 5-day notice for the remaining balance. It's usually best to decline partial payments if you intend to proceed with eviction, or consult your attorney immediately before accepting anything.

06Score

What this score means for landlords2

A 4.7/10 places Lake of the Woods in the 69th percentile of Illinois cities on the Eviction Risk Score index. The score is the average of the nine sub-axes, all calibrated on a national 1 to 10 scale where 1 is most landlord-friendly and 10 is most tenant-protective. The 50-year reconstruction shows this score has risen sharply since 1976, a structural drift driven by court-calendar growth, rent-control adoption, and the rise of tenant-side legal aid. The trajectory matters more than the snapshot: the score is the climate, not the weather.