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Crystal Lake, Illinois eviction risk overview
Ranked #1,046 of 1,865 nationally

Crystal Lake, IL Eviction Risk: MODERATE

McHenry County · Population 40,579

In 2026
Risk score
4.8
MODERATE

72th percentile, Illinois.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min1.5 Average3.2 Now4.8
10 5 1976 · score 1.5 1977 · score 1.5 1978 · score 1.6 1979 · score 1.6 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 1.9 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 3.0 1998 · score 3.0 1999 · score 3.1 2000 · score 2.7 2001 · score 2.8 2002 · score 2.8 2003 · score 2.9 2004 · score 2.9 2005 · score 3.0 2006 · score 3.0 2007 · score 3.1 2008 · score 4.0 2009 · score 4.1 2010 · score 4.2 2011 · score 4.3 2012 · score 3.9 2013 · score 4.0 2014 · score 4.1 2015 · score 4.2 2016 · score 4.3 2017 · score 4.5 2018 · score 4.7 2019 · score 4.8 2020 · score 5.5 2021 · score 5.5 2022 · score 5.5 2023 · score 5.5 2024 · score 5.4 2025 · score 5.3 2026 · score 4.8

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 5.4 Regional 5.4 State 5.2 Economic 5.0 Supply 6.6 Rent Control 6.4 Eviction 5.2 Tenant 5.0 Housing 5.0 4.8 MODERATE
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    GOP margin +5.3% (2024)
    5.4
  2. Regional political climate
    County-weighted neighbor mix
    5.4
  3. State political climate
    Illinois legislature & governorship
    5.2
  4. Economic stress
    6.1% poverty · 4.6% unemp.
    5.0
  5. Supply constraint
    $1,468 average · 22.4% renters
    6.6
  6. Rent Control risk
    30.6% of income on rent
    6.4
  7. Eviction process difficulty
    125 days filing → judgment
    5.2
  8. Tenant organizing strength
    22.4% renters
    5.0
  9. Housing court bias
    County bench composition
    5.0
Geographic context

Risk heat across Crystal Lake and the region

Click any city to see its score

How Crystal Lake compares

Risk score vs. peers, county, state, and the U.S.
Rank in McHenry County
High
#10 of 42 cities
Rank in county, 78th percentileBottomTop
#10 of 42 cities in McHenry County for landlord eviction risk.
Rank in Illinois
Elevated
#410 of 1,456 cities
Rank in state, 72nd percentileBottomTop
#410 of 1,456 cities in Illinois for landlord eviction risk.
vs. county · state · U.S.
Crystal Lake risk score vs. county / state / U.S.Crystal Lake: 4.84.8Crystal LakeThis cityCounty: 4.94.9Countyavg in countyState: 5.45.4Stateavg in stateU.S.: 5.25.2U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 4.8
    / 10 · MODERATE
    The verdict

    A Moderate-tier market.

    Composite 4.8/10. Mid-range market; standard documentation usually wins. The 50-year curve shows a sharp climb.

    50-yr trend+3.3 over 50 yr
    197620012026

    Steepening since 2010 · COVID inflection visible

  2. 125d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $1,468/mo. A contested eviction takes 125 days and costs $5,685-$13,391 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 22.4%
    Renters
    The renters

    Who you'll be renting to.

    Out of 40,579 residents, 22.4% rent. 31% are spending 30%+ income on rent, 6.1% below the poverty line.

    50-yr trendRenter share rising
    197620012026

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

  4. 5.4
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 5.4 and 5.4 (GOP margin +5.3% (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 5.2, housing court bias 5, rent-control risk 6.4. Standard process speed for the state.

    50-yr trendProcess difficulty +0.2 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 5
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 5. Supply constraint: 6.6. The numbers behind those: 6.1% poverty, 4.6% unemployment, 31% of income on rent.

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

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Crystal Lake 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 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 Arlington Heights, IL · 123d · ~$10.8k all-in ($88/day) · score 5.7 Arlington Heights 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 Crystal Lake
Crystal Lake · 125d · ~$9.5k all-in ($76/day) · score 4.8 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 Crystal Lake, IL

Landlording in Crystal Lake, Illinois, presents a manageable operating environment for documented landlords. The Eviction Risk Score is 4.8/10 (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.

Crystal Lake is a city of 40,579 residents where 22.4% of occupied units are renter-occupied, and the typical renter spends 30.6% of income on rent. At an average rent of $1,468/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 Crystal Lake eviction process actually works

Eviction process difficulty here reads 5.2/10, 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 Crystal Lake closes 125 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 Crystal Lake's timeline is usually the calendar, not the motion practice. Housing court bias scores 5/10 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 Crystal Lake runs $5,685 to $13,391 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 125 days of typical timeline and $1,468/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 5/10 in Crystal Lake, and the city carries meaningful rent control exposure (6.4/10). 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 Crystal Lake: 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 $13,391 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Crystal Lake

Trap · 2.5 POINTS
Politically, McHenry County voted Republican by 2.5 points in 2020, a baseline that correlates with landlord-neutral legislative pressure. Combined with 30.6% rent-to-income ratio, expect baseline enforcement of ILCS preemption + Chicago RLTO.
05FAQ

Frequently asked questions

Q1

Can I evict a tenant in Crystal Lake for not having a job?

No, you cannot evict a tenant simply because they lost their job or don't have one. Illinois has statewide source-of-income protection, which means you cannot discriminate against tenants based on their lawful source of income, including unemployment benefits or housing assistance. An eviction must be based on a lease violation, most commonly non-payment of rent.
Q2

How much notice do I need to give to raise rent in Crystal Lake?

Illinois law doesn't specify a minimum notice period for rent increases, but it's generally good practice to give at least 30 days' written notice, especially if the tenant is on a month-to-month lease. If there's a fixed-term lease, you can only raise the rent after the lease term ends, and you'd typically include the new rent amount in the lease renewal offer.
Q3

What if my tenant leaves belongings behind after an eviction?

In Illinois, if a tenant leaves personal property after an eviction, you generally need to store it for a reasonable period (often 7-14 days is considered reasonable, though the law isn't super specific). You should send a written notice to the tenant's last known address, informing them where the property is and how they can retrieve it. If they don't claim it, you can dispose of it or sell it, deducting reasonable storage and sale costs. Do not immediately throw everything out; this can lead to legal liability.
Q4

Is rent control a risk for landlords in Crystal Lake?

Currently, there is no rent control in Crystal Lake or anywhere in Illinois because state law prohibits it. However, the "rent-control-risk" sub-score for Illinois is 6.4/10, which is on the higher side. This reflects ongoing political pressure and attempts in the state legislature to repeal the statewide ban. While not active now, it's a policy area landlords should keep an eye on. For more details, see our Illinois rent control rules page.
Q5

Can I handle an eviction myself in McHenry County without an attorney?

You can, but it's risky. The eviction process in Illinois is highly procedural, and a single mistake in notice, filing, or court procedure can lead to your case being dismissed, forcing you to start over. This means more lost rent and more time. Given the typical 125-day timeline and potential $13,000 cost, hiring an attorney, especially if the tenant contests, is often a wise investment to protect your assets and ensure proper legal compliance.
Q6

What are the strongest tenant protections in Crystal Lake, IL?

The strongest tenant protections in Crystal Lake stem from Illinois state law. Key protections include the 5-day notice requirement for non-payment (meaning you can't just kick someone out), the requirement to return security deposits within 30 days with an itemized statement for deductions, and the statewide source-of-income protection. There's also the general prohibition against self-help evictions (like changing locks or shutting off utilities) and the right to a safe and habitable living environment. Familiarize yourself with Illinois tenant protections to avoid common pitfalls.
06Score

What this score means for landlords2

A 4.8/10 places Crystal Lake in the 72nd 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.