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Elburn, Illinois eviction risk overview
City brief · 6,354 residents

Elburn, IL Eviction Risk: MODERATE

Kane County · Population 6,354

In 2026
Risk score
5.3
MODERATE

88th percentile, Illinois.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min1.4 Average3.2 Now5.3
10 5 1976 · score 1.4 1977 · score 1.5 1978 · score 1.6 1979 · score 1.7 1980 · score 1.7 1981 · score 1.7 1982 · score 1.8 1983 · score 1.7 1984 · score 1.7 1985 · score 1.7 1986 · score 1.7 1987 · score 1.7 1988 · score 2.0 1989 · score 2.0 1990 · score 2.1 1991 · score 2.1 1992 · score 2.7 1993 · score 2.7 1994 · score 2.7 1995 · score 2.7 1996 · score 2.9 1997 · score 2.9 1998 · score 3.0 1999 · score 3.1 2000 · score 2.5 2001 · score 2.6 2002 · score 2.7 2003 · score 2.8 2004 · score 2.8 2005 · score 2.9 2006 · score 2.9 2007 · score 3.0 2008 · score 3.8 2009 · score 4.0 2010 · score 4.1 2011 · score 4.1 2012 · score 3.8 2013 · score 3.9 2014 · score 4.0 2015 · score 4.1 2016 · score 4.3 2017 · score 4.5 2018 · score 4.7 2019 · score 4.9 2020 · score 5.6 2021 · score 5.6 2022 · score 5.6 2023 · score 5.6 2024 · score 5.5 2025 · score 5.6 2026 · score 5.3

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 6.1 Regional 6.1 State 5.2 Economic 3.5 Supply 6.2 Rent Control 7.9 Eviction 4.7 Tenant 3.6 Housing 6.0 5.3 MODERATE
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    Dem margin +9.4% (2024)
    6.1
  2. Regional political climate
    County-weighted neighbor mix
    6.1
  3. State political climate
    Illinois legislature & governorship
    5.2
  4. Economic stress
    7.1% poverty · 0.5% unemp.
    3.5
  5. Supply constraint
    $1,708 average · 10.4% renters
    6.2
  6. Rent Control risk
    36.4% of income on rent
    7.9
  7. Eviction process difficulty
    114 days filing → judgment
    4.7
  8. Tenant organizing strength
    10.4% renters
    3.6
  9. Housing court bias
    County bench composition
    6.0
Geographic context

Risk heat across Elburn and the region

Click any city to see its score

How Elburn compares

Risk score vs. peers, county, state, and the U.S.
Rank in Kane County
Elevated
#8 of 25 cities
Rank in county, 71st percentileBottomTop
#8 of 25 cities in Kane County for landlord eviction risk.
Rank in Illinois
High
#189 of 1,456 cities
Rank in state, 87th percentileBottomTop
#189 of 1,456 cities in Illinois for landlord eviction risk.
vs. county · state · U.S.
Elburn risk score vs. county / state / U.S.Elburn: 5.35.3ElburnThis cityCounty: 5.25.2Countyavg in countyState: 5.45.4Stateavg in stateU.S.: 5.25.2U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 5.3
    / 10 · MODERATE
    The verdict

    A Moderate-tier market.

    Composite 5.3/10. Mid-range market; standard documentation usually wins. The 50-year curve shows a sharp climb.

    50-yr trend+3.9 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 $1,708/mo. A contested eviction takes 114 days and costs $5,729-$14,982 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 10.4%
    Renters
    The renters

    Who you'll be renting to.

    Out of 6,354 residents, 10.4% rent. 36% are spending 30%+ income on rent, 7.1% below the poverty line.

    50-yr trendRenter share rising
    197620012026

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

  4. 6.1
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 6.1 and 6.1 (Dem margin +9.4% (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 4.7, housing court bias 6, rent-control risk 7.9. Standard process speed for the state.

    50-yr trendProcess difficulty +-0.3 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 3.5
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 3.5. Supply constraint: 6.2. The numbers behind those: 7.1% poverty, 0.5% unemployment, 36% of income on rent.

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

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Elburn 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 6.3 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 Waukegan, IL · 116d · ~$9.0k all-in ($78/day) · score 4.9 Waukegan Cicero, IL · 114d · ~$8.9k all-in ($78/day) · score 6.2 Cicero Schaumburg, IL · 131d · ~$9.4k all-in ($72/day) · score 6.4 Schaumburg Evanston, IL · 109d · ~$8.3k all-in ($76/day) · score 5.8 Evanston 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 Elburn
Elburn · 114d · ~$10.4k all-in ($91/day) · score 5.3 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 Elburn, IL

Landlording in Elburn, Illinois, presents a manageable operating environment for documented landlords. The Eviction Risk Score is 5.3/10 (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.

Elburn is a city of 6,354 residents where 10.4% of occupied units are renter-occupied, and the typical renter spends 36.4% of income on rent. At an average rent of $1,708/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 Elburn eviction process actually works

Eviction process difficulty here reads 4.7/10, 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 Elburn 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 Elburn's timeline is usually the calendar, not the motion practice. Housing court bias scores 6/10 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 Elburn runs $5,729 to $14,982 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 $1,708/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 3.6/10 in Elburn, and the city carries meaningful rent control exposure (7.9/10). 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 Elburn: 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 $14,982 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Elburn

Trap · PRACTICAL TRAP
Cost-versus-timeline trade-off: at 114 days and roughly $14,982 on the high end, cash-for-keys at $5,992 to $8,989 typically beats the legal route for non-aggravated cases. Default judgment frequency is high under ILCS preemption + Chicago RLTO.
05FAQ

Frequently asked questions

Q1

What is the most common reason for eviction in Elburn?

The vast majority of evictions in Elburn, like elsewhere, stem from non-payment of rent. While lease violations can also lead to eviction, financial hardship is the primary driver. This is why thorough tenant screening is so critical.

Q2

Can I evict a tenant in Elburn for no reason?

No, you can't evict a tenant for "no reason" if they have a valid lease. If they are on a month-to-month tenancy, you can terminate their tenancy without "just cause" by providing the proper 30-day notice. However, you cannot evict in retaliation or for discriminatory reasons.

Q3

How long does a tenant have to move out after an Elburn eviction judgment?

After a judge rules in your favor, the court will issue an order of possession. The tenant typically has a short period, often a few days to a week, to vacate. If they don't, you'll need to coordinate with the Kane County Sheriff to physically remove them and their belongings, which is the final step in the process.

Q4

What if my Elburn tenant has a Section 8 voucher?

Illinois has statewide source-of-income protection, meaning you cannot deny an applicant solely because they use a Section 8 voucher or other lawful income source. You must apply your standard screening criteria (credit, criminal, rental history, income-to-rent ratio) consistently to all applicants, including those with vouchers. If they meet your criteria, you must accept them.

Q5

Can I change the locks if my Elburn tenant doesn't pay rent?

Absolutely not. Changing locks, shutting off utilities, or removing a tenant's belongings are all illegal "self-help" eviction tactics in Illinois. You must follow the judicial eviction process through the courts. Attempting a self-help eviction can result in significant penalties and damages owed to the tenant.

06Score

What this score means for landlords2

A 5.3/10 places Elburn in the 88th 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.