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Waverly, Illinois eviction risk overview
City brief · 1,375 residents

Waverly, IL Eviction Risk: LOW

Morgan County · Population 1,375

In 2026
Risk score
3.7
LOW

20th percentile, Illinois.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min1.8 Average2.9 Now3.7
5.1 1.8 1976 · score 1.8 1977 · score 1.8 1978 · score 1.8 1979 · score 1.8 1980 · score 1.9 1981 · score 2.0 1982 · score 2.0 1983 · score 2.0 1984 · score 2.0 1985 · score 2.0 1986 · score 1.9 1987 · score 1.9 1988 · score 1.9 1989 · score 1.9 1990 · score 1.9 1991 · score 2.0 1992 · score 2.6 1993 · score 2.6 1994 · score 2.5 1995 · score 2.5 1996 · score 2.7 1997 · score 2.5 1998 · score 2.5 1999 · score 2.5 2000 · score 2.6 2001 · score 2.8 2002 · score 2.8 2003 · score 2.9 2004 · score 2.8 2005 · score 2.8 2006 · score 2.8 2007 · score 2.8 2008 · score 3.6 2009 · score 3.9 2010 · score 4.0 2011 · score 4.0 2012 · score 3.9 2013 · score 3.9 2014 · score 3.8 2015 · score 3.7 2016 · score 3.6 2017 · score 3.6 2018 · score 3.5 2019 · score 3.7 2020 · score 5.1 2021 · score 5.1 2022 · score 4.1 2023 · score 3.8 2024 · score 3.8 2025 · score 3.7 2026 · score 3.7

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 4.1 Regional 4.1 State 5.2 Economic 4.7 Supply 3.8 Rent Control 3.8 Eviction 4.6 Tenant 4.4 Housing 4.1 3.7 LOW
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    GOP margin +32.5% (2024)
    4.1
  2. Regional political climate
    County-weighted neighbor mix
    4.1
  3. State political climate
    Illinois legislature & governorship
    5.2
  4. Economic stress
    8.1% poverty · 3.1% unemp.
    4.7
  5. Supply constraint
    $772 average · 17.7% renters
    3.8
  6. Rent Control risk
    21.7% of income on rent
    3.8
  7. Eviction process difficulty
    112 days filing → judgment
    4.6
  8. Tenant organizing strength
    17.7% renters
    4.4
  9. Housing court bias
    County bench composition
    4.1
Geographic context

Risk heat across Waverly and the region

Click any city to see its score

How Waverly compares

Risk score vs. peers, county, state, and the U.S.
Rank in Morgan County
Low
#8 of 11 cities
Rank in county, 30th percentileLowHigh
#8 of 11 cities in Morgan County for landlord eviction risk.
Rank in Illinois
Very Low
#1248 of 1,456 cities
Rank in state, 14th percentileLowHigh
#1248 of 1,456 cities in Illinois for landlord eviction risk.
vs. county · state · U.S.
Waverly risk score vs. county / state / U.S.Waverly: 3.73.7WaverlyThis cityCounty: 4.14.1Countyavg in countyState: 4.74.7Stateavg in stateU.S.: 4.74.7U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 3.7
    / 10 · LOW
    The verdict

    A Low-tier market.

    Composite 3.7/10. Mid-range market; standard documentation usually wins. The 50-year curve shows a slow, steady climb.

    50-yr trend+1.9 over 50 yr
    197620012026

    Steady ratchet · no large swings

  2. 112d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $772/mo. A contested eviction takes 112 days and costs $4,496–$13,822 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 17.7%
    Renters
    The renters

    Who you'll be renting to.

    Out of 1,375 residents, 17.7% rent. 22% are spending 30%+ income on rent, 8.1% below the poverty line.

    50-yr trendRenter share rising
    197620012026

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

  4. 4.1
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 4.1 and 4.1 (GOP margin +32.5% (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 4.6, housing court bias 4.1, rent-control risk 3.8. Standard process speed for the state.

    50-yr trendProcess difficulty +-0.4 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 4.7
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 4.7. Supply constraint: 3.8. The numbers behind those: 8.1% poverty, 3.1% unemployment, 22% of income on rent.

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

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Waverly 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) Springfield, IL · 129d · ~$9.3k all-in ($72/day) · score 4.2 Springfield Chicago, IL · 109d · ~$9.0k all-in ($82/day) · score 5.7 Chicago Aurora, IL · 120d · ~$10.2k all-in ($85/day) · score 4.2 Aurora Naperville, IL · 115d · ~$9.2k all-in ($80/day) · score 4.2 Naperville Joliet, IL · 114d · ~$8.4k all-in ($73/day) · score 4.1 Joliet Rockford, IL · 112d · ~$8.5k all-in ($76/day) · score 4.2 Rockford Elgin, IL · 129d · ~$9.9k all-in ($77/day) · score 4.2 Elgin Peoria, IL · 129d · ~$10.1k all-in ($79/day) · score 4.1 Peoria Champaign, IL · 118d · ~$8.9k all-in ($75/day) · score 4.5 Champaign Waukegan, IL · 116d · ~$9.0k all-in ($78/day) · score 4.4 Waukegan Houston, TX · 24d · ~$2.5k all-in ($103/day) · score 2.8 Houston Phoenix, AZ · 38d · ~$3.3k all-in ($86/day) · score 2.8 Phoenix Memphis, TN · 31d · ~$2.0k all-in ($66/day) · score 3.1 Memphis Atlanta, GA · 40d · ~$2.8k all-in ($69/day) · score 3.4 Atlanta Boston, MA · 187d · ~$20.3k all-in ($109/day) · score 7.1 Boston New York, NY · 417d · ~$29.5k all-in ($71/day) · score 9.7 New York Seattle, WA · 162d · ~$12.7k all-in ($79/day) · score 7.9 Seattle Waverly
Waverly · 112d · ~$9.2k all-in ($82/day) · score 3.7 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 Waverly, IL

Landlording in Waverly, Illinois, presents a manageable operating environment for documented landlords. The Eviction Risk Score is 3.7/10 (LOW 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.

Waverly is a city of 1,375 residents where 17.7% of occupied units are renter-occupied, and the typical renter spends 21.7% of income on rent. At an average rent of $772/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 Waverly eviction process actually works

Eviction process difficulty here reads 4.6/10, 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 Waverly closes 112 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 Waverly's timeline is usually the calendar, not the motion practice. Housing court bias scores 4.1/10 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 Waverly runs $4,496 to $13,822 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 112 days of typical timeline and $772/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 4.4/10 in Waverly, and the city has limited rent control exposure (3.8/10). 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 Waverly: 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 LOW 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 $13,822 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Waverly

Trap · 4.1/10
For landlords, the 4.1/10 score is most actionable when combined with Morgan County's specific court behavior. Housing-court bias sub-score: 4.1/10. Standard documentation and prompt action typically resolve cases quickly.
05FAQ

Frequently asked questions

Q1

What's the absolute fastest I can get a tenant out for not paying rent in Waverly?

Even in a best-case scenario, with no delays and the tenant not contesting anything, you're looking at a minimum of 30-45 days from serving the 5-day notice to getting a court order, then a few more days for the sheriff. The average is closer to 112 days. Don't expect a quick fix.
Q2

Can I evict a tenant in Waverly for breaking a rule in the lease, like having an unauthorized pet?

Yes, if your lease specifically prohibits unauthorized pets and states that violating this rule can lead to termination, you can evict. You'd typically serve a 10-day notice to cure or quit (meaning they have 10 days to get rid of the pet or move out). If they don't comply, you can file for eviction. Make sure your lease is clear.
Q3

Does Waverly have rent control?

No, Illinois has a statewide ban on rent control. This means you are generally free to set your rental prices as you see fit, without municipal caps. However, always be aware of state-level Illinois rent control rules as they can change.
Q4

What if my tenant refuses to leave after the judge issues an eviction order?

You cannot remove them yourself. After the judge issues the order of possession, you must contact the Morgan County Sheriff's office to schedule a physical lockout. The sheriff is the only one legally allowed to remove a tenant from the property. Trying to do it yourself can lead to legal trouble.
Q5

I heard about "source of income protection" in Illinois. What does that mean for me?

It means you cannot refuse to rent to someone solely because their income comes from a lawful source like a Housing Choice Voucher (Section 8), disability payments, or child support. You still screen them based on other criteria (credit, criminal history, rental history), but you can't have a blanket "no Section 8" policy. This is a statewide Illinois tenant protection.
Q6

Should I offer a tenant cash to move out instead of going through eviction?

Absolutely consider it. This strategy, called "cash for keys," can save you significant time, attorney fees, and potential property damage. If a tenant is already behind on rent and seems unlikely to catch up, offering a lump sum (e.g., half a month's rent) to vacate quickly and leave the unit clean can be a smart business decision. Get it in writing, though.
06Score

What this score means for landlords2

A 3.7/10 places Waverly in the 20th 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 climbed steadily 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.