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Westchester, Illinois eviction risk overview
City brief · 16,436 residents

Westchester, IL Eviction Risk: MODERATE

Cook County · Population 16,436

In 2026
Risk score
4.7
MODERATE

49th percentile, Illinois.

50-yr Eviction Risk Score history

1976 — 2026 · climbing fast since 2010

Min1.5 Average2.8 Now4.7
10 5 1976 · score 1.5 1977 · score 1.5 1978 · score 1.5 1979 · score 1.6 1980 · score 1.5 1981 · score 1.6 1982 · score 1.6 1983 · score 1.6 1984 · score 1.5 1985 · score 1.5 1986 · score 1.5 1987 · score 1.5 1988 · score 1.8 1989 · score 1.8 1990 · score 1.9 1991 · score 1.9 1992 · score 2.5 1993 · score 2.5 1994 · score 2.5 1995 · score 2.5 1996 · score 2.7 1997 · score 2.7 1998 · score 2.8 1999 · score 2.8 2000 · score 2.2 2001 · score 2.3 2002 · score 2.4 2003 · score 2.4 2004 · score 2.5 2005 · score 2.5 2006 · score 2.6 2007 · score 2.6 2008 · score 3.4 2009 · score 3.5 2010 · score 3.6 2011 · score 3.7 2012 · score 3.3 2013 · score 3.4 2014 · score 3.4 2015 · score 3.5 2016 · score 3.8 2017 · score 3.9 2018 · score 4.0 2019 · score 4.2 2020 · score 4.7 2021 · score 4.7 2022 · score 4.6 2023 · score 4.7 2024 · score 4.6 2025 · score 4.7 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 6.3 Regional 6.3 State 5.2 Economic 4.9 Supply 5.8 Rent Control 3.6 Eviction 4.8 Tenant 2.7 Housing 3.3 4.7 MODERATE
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    Dem margin +42.0% (2024)
    6.3
  2. Regional political climate
    County-weighted neighbor mix
    6.3
  3. State political climate
    Illinois legislature & governorship
    5.2
  4. Economic stress
    4.5% poverty · 5.4% unemp.
    4.9
  5. Supply constraint
    $1,794 average · 9.2% renters
    5.8
  6. Rent Control risk
    23.0% of income on rent
    3.6
  7. Eviction process difficulty
    115 days filing → judgment
    4.8
  8. Tenant organizing strength
    9.2% renters
    2.7
  9. Housing court bias
    County bench composition
    3.3
Geographic context

Risk heat across Westchester and the region

Click any city to see its score

How Westchester compares

Risk score vs. peers, county, state, and the U.S.
Rank in Cook County
Very Low
#108 of 115 cities
Rank in county — 6th percentileBottomTop
#108 of 115 cities in Cook County for landlord eviction risk.
Rank in Illinois
Moderate
#748 of 1,456 cities
Rank in state — 49th percentileBottomTop
#748 of 1,456 cities in Illinois for landlord eviction risk.
vs. county · state · U.S.
Westchester risk score vs. county / state / U.S.Westchester: 4.74.7WestchesterThis cityCounty: 6.26.2Countyavg in countyState: 5.75.7Stateavg in stateU.S.: 5.35.3U.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+3.2 over 50 yr
    197620012026

    Steepening since 2010 · COVID inflection visible

  2. 115d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $1,794/mo. A contested eviction takes 115 days and costs $4,717–$13,466 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 9.2%
    Renters
    The renters

    Who you'll be renting to.

    Out of 16,436 residents, 9.2% rent. 23% are spending 30%+ income on rent, 4.5% below the poverty line.

    50-yr trendRenter share rising
    197620012026

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

  4. 6.3
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 6.3 and 6.3 (Dem margin +42.0% (2024)). State climate at 5.2 — 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 shows up in process. Eviction process difficulty reads 4.8, housing court bias 3.3, rent-control risk 3.6. Standard process speed for the state.

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

    Court-clerk data lands in the next release.

  6. 4.9
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 4.9. Supply constraint: 5.8. The numbers behind those: 4.5% poverty, 5.4% unemployment, 23% of income on rent.

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

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Westchester 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) Chicago, IL · 109d · ~$9.0k all-in ($82/day) · score 6.8 Chicago Aurora, IL · 120d · ~$10.2k all-in ($85/day) · score 4.5 Aurora Naperville, IL · 115d · ~$9.2k all-in ($80/day) · score 5.0 Naperville Joliet, IL · 114d · ~$8.4k all-in ($73/day) · score 4.3 Joliet Elgin, IL · 129d · ~$9.9k all-in ($77/day) · score 4.4 Elgin Waukegan, IL · 116d · ~$9.0k all-in ($78/day) · score 4.9 Waukegan Cicero, IL · 114d · ~$8.9k all-in ($78/day) · score 5.7 Cicero Schaumburg, IL · 131d · ~$9.4k all-in ($72/day) · score 5.4 Schaumburg Evanston, IL · 109d · ~$8.3k all-in ($76/day) · score 5.9 Evanston Arlington Heights, IL · 123d · ~$10.8k all-in ($88/day) · score 5.2 Arlington Heights Houston, TX · 24d · ~$2.5k all-in ($103/day) · score 3.4 Houston Phoenix, AZ · 38d · ~$3.3k all-in ($86/day) · score 3.7 Phoenix Memphis, TN · 31d · ~$2.0k all-in ($66/day) · score 4.2 Memphis Atlanta, GA · 40d · ~$2.8k all-in ($69/day) · score 4.9 Atlanta Boston, MA · 187d · ~$20.3k all-in ($109/day) · score 8.1 Boston New York, NY · 417d · ~$29.5k all-in ($71/day) · score 7.8 New York Seattle, WA · 162d · ~$12.7k all-in ($79/day) · score 8.2 Seattle Westchester
Westchester · 115d · ~$9.1k all-in ($79/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 Westchester, IL

Landlording in Westchester, 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.

Westchester is a city of 16,436 residents where 9.2% of occupied units are renter-occupied, and the typical renter spends 23.0% of income on rent. At an average rent of $1,794/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 Westchester 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 Westchester closes 115 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 Westchester's timeline is usually the calendar, not the motion practice. Housing court bias scores 3.3/10 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 Westchester runs $4,717 to $13,466 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 115 days of typical timeline and $1,794/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 2.7/10 in Westchester, and the city has limited rent control exposure (3.6/10). Operations practice that survives audit in this environment looks like:

  • Screening discipline. Document income (verified at 2.5–3x 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 — exceed 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 Westchester: 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 — 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 $13,466 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Westchester

Trap · PRACTICAL TRAP
Compare Westchester to neighboring cities in DuPage County via the grid below. The 4.7/10 score is computed from nine sub-factors plus a state-law multiplier under ILCS preemption + Chicago RLTO. DuPage County 2020 presidential margin: D+18.1. Cross-reference the state overview link in the guides section for Illinois statutory detail.
05FAQ

Frequently asked questions

Q1

Can I turn off utilities if a tenant stops paying rent?

Absolutely not. That's an illegal self-help eviction in Illinois. You could face serious penalties, including fines and damages owed to the tenant. Stick to the legal eviction process through the courts.

Q2

How much can I raise the rent in Westchester?

Illinois has no statewide rent control, so there's no cap on how much you can raise the rent. However, you must provide proper notice, typically 30 days for month-to-month tenancies, before the rent increase takes effect. Always check your lease agreement for specific terms.

Q3

What if the tenant leaves belongings behind after an eviction?

In Illinois, you generally need to store the tenant's property for a reasonable period, usually 7-30 days, and provide notice of where the property is stored. After that period, if the tenant hasn't claimed it, you can dispose of it. Consult with your attorney on the specifics to avoid liability.

Q4

Do I need a lawyer for an eviction in Westchester?

While not legally required, it is highly recommended. The eviction process in Illinois is technical. One small error in notice, filing, or service can cause significant delays and added costs. Given the 115-day average timeline and high costs, a lawyer is an investment to protect your property and finances.

Q5

What's the difference between a 5-day notice and a 30-day notice?

A 5-day notice is specifically for non-payment of rent, giving the tenant five days to pay or move out. A 30-day notice is typically used for terminating a month-to-month tenancy without cause or for other lease violations where the lease doesn't specify a shorter cure period. Always use the correct notice for the situation.

Q6

Can I refuse to rent to someone with an eviction on their record?

Generally, yes. An eviction on a tenant's record is a strong indicator of past non-compliance and a valid reason to deny an application. It's a business decision based on their past rental history. However, ensure your screening criteria are applied consistently to all applicants to avoid discrimination claims.

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06Score

What this score means for landlords2

A 4.7/10 places Westchester in the 49th 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 1–10 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.