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Lowell, Indiana eviction risk overview
City brief · 11,073 residents

Lowell, IN Eviction Risk: LOW

Lake County · Population 11,073

In 2026
Risk score
2.5
LOW

86th percentile, Indiana.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min1.6 Average2.3 Now2.5
3.3 1.6 1976 · score 2.1 1977 · score 2.1 1978 · score 2.1 1979 · score 2.2 1980 · score 2.3 1981 · score 2.3 1982 · score 2.3 1983 · score 2.2 1984 · score 2.1 1985 · score 2.0 1986 · score 1.7 1987 · score 1.6 1988 · score 1.6 1989 · score 1.6 1990 · score 1.6 1991 · score 1.7 1992 · score 2.1 1993 · score 2.0 1994 · score 2.0 1995 · score 2.1 1996 · score 2.1 1997 · score 2.1 1998 · score 2.1 1999 · score 2.1 2000 · score 2.0 2001 · score 2.1 2002 · score 2.1 2003 · score 2.0 2004 · score 2.0 2005 · score 1.9 2006 · score 1.9 2007 · score 1.9 2008 · score 2.7 2009 · score 3.0 2010 · score 3.1 2011 · score 3.1 2012 · score 2.9 2013 · score 2.8 2014 · score 2.7 2015 · score 2.6 2016 · score 2.5 2017 · score 2.4 2018 · score 2.4 2019 · score 2.3 2020 · score 3.1 2021 · score 3.3 2022 · score 2.4 2023 · score 2.5 2024 · score 2.5 2025 · score 2.5 2026 · score 2.5

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 6.2 Regional 6.2 State 2.0 Economic 5.1 Supply 5.5 Rent Control 3.6 Eviction 2.4 Tenant 3.6 Housing 3.4 2.5 LOW
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    Dem margin +5.6% (2024)
    6.2
  2. Regional political climate
    County-weighted neighbor mix
    6.2
  3. State political climate
    Indiana legislature & governorship
    2.0
  4. Economic stress
    5.2% poverty · 5.5% unemp.
    5.1
  5. Supply constraint
    $1,123 average · 15.8% renters
    5.5
  6. Rent Control risk
    26.4% of income on rent
    3.6
  7. Eviction process difficulty
    34 days filing → judgment
    2.4
  8. Tenant organizing strength
    15.8% renters
    3.6
  9. Housing court bias
    County bench composition
    3.4
Geographic context

Risk heat across Lowell and the region

Click any city to see its score

How Lowell compares

Risk score vs. peers, county, state, and the U.S.
Rank in Lake County
Moderate
#10 of 20 cities
Rank in county, 53rd percentileLowHigh
#10 of 20 cities in Lake County for landlord eviction risk.
Rank in Indiana
High
#165 of 971 cities
Rank in state, 83rd percentileLowHigh
#165 of 971 cities in Indiana for landlord eviction risk.
vs. county · state · U.S.
Lowell risk score vs. county / state / U.S.Lowell: 2.52.5LowellThis cityCounty: 2.72.7Countyavg in countyState: 2.42.4Stateavg in stateU.S.: 4.74.7U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 2.5
    / 10 · LOW
    The verdict

    A Low-tier market.

    Composite 2.5/10. Mid-range market; standard documentation usually wins. The 50-year curve shows a slow, steady climb.

    50-yr trend+0.4 over 50 yr
    197620012026

    Steady ratchet · no large swings

  2. 34d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $1,123/mo. A contested eviction takes 34 days and costs $1,021–$3,410 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 15.8%
    Renters
    The renters

    Who you'll be renting to.

    Out of 11,073 residents, 15.8% rent. 26% are spending 30%+ income on rent, 5.2% below the poverty line.

    50-yr trendRenter share rising
    197620012026

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

  4. 6.2
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 6.2 and 6.2 (Dem margin +5.6% (2024)). State climate at 2, a mid-range statehouse.

    50-yr trendTracks county vote margin
    197620012026

    Built on 50-yr presidential margins back to 1976.

  5. 2
    State politics
    The process

    Moderate calendar, moderate friction.

    State political climate 2/10 sets the legislative ceiling for landlord remedies, and it shows up in the process. Eviction process difficulty reads 2.4, housing court bias 3.4, rent-control risk 3.6. Standard process speed for the state.

    50-yr trendProcess difficulty +-2.6 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 5.1
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 5.1. Supply constraint: 5.5. The numbers behind those: 5.2% poverty, 5.5% unemployment, 26% of income on rent.

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

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Lowell sits in the quick & cheap 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) Hammond, IN · 41d · ~$2.5k all-in ($62/day) · score 2.7 Hammond Gary, IN · 39d · ~$2.0k all-in ($52/day) · score 3.1 Gary Indianapolis, IN · 37d · ~$2.4k all-in ($64/day) · score 2.7 Indianapolis Fort Wayne, IN · 40d · ~$2.1k all-in ($52/day) · score 2.2 Fort Wayne Evansville, IN · 37d · ~$2.5k all-in ($67/day) · score 2.3 Evansville South Bend, IN · 40d · ~$2.5k all-in ($61/day) · score 2.6 South Bend Fishers, IN · 39d · ~$2.4k all-in ($62/day) · score 2.2 Fishers Carmel, IN · 41d · ~$2.3k all-in ($57/day) · score 2.2 Carmel Bloomington, IN · 35d · ~$2.4k all-in ($69/day) · score 2.8 Bloomington Noblesville, IN · 40d · ~$2.5k all-in ($64/day) · score 2.3 Noblesville 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 Chicago, IL · 109d · ~$9.0k all-in ($82/day) · score 5.7 Chicago 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 Lowell
Lowell · 34d · ~$2.2k all-in ($65/day) · score 2.5 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 Lowell, IN

Landlording in Lowell, Indiana, presents a manageable operating environment for documented landlords. The Eviction Risk Score is 2.5/10 (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.

Lowell is a city of 11,073 residents where 15.8% of occupied units are renter-occupied, and the typical renter spends 26.4% of income on rent. At an average rent of $1,123/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 Lowell eviction process actually works

Eviction process difficulty here reads 2.4/10, 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 Lowell closes 34 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 Lowell's timeline is usually the calendar, not the motion practice. Housing court bias scores 3.4/10 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 Lowell runs $1,021 to $3,410 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 34 days of typical timeline and $1,123/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 3.6/10 in Lowell, 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 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 Indiana, 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 Lowell: 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 Indiana's statutory language. Fix those four, and most cases settle or default. Skip them, and a $3,410 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Lowell

Trap · 15.1 POINTS
Politically, Lake County voted Democratic by 15.1 points in 2020, a baseline that correlates with tenant-protective legislative pressure. Combined with 26.4% rent-to-income ratio, expect baseline enforcement of IC 32-31.
04Eviction filings

Live filings tracking · Eviction Lab

Princeton Eviction Lab Tracking System, state-level (no county tracker available). Last update 2026-05-01.

In the most recent month, 5,536 eviction cases were filed across the tracker's coverage area, 0.95× the historical baseline (below baseline). Past 12 months: 71,124 filings. Pandemic-era cumulative: 388,307.

  • 5,536Past month
  • 71,124Past 12 months
  • 0.95×vs baseline (past mo)
  • 17.2%Repeat-tenant filings
Notice requirement: at least ten days notice (in some cases more). Filing fee: minimum filing fee of $87 (depending on the filing method).
Last 36 months of filings 2023-05-01 – 2026-04-01
Monthly eviction filings (Eviction Lab tracker)2023-05-01: 6,535 filings (1.01× hist)2023-06-01: 6,849 filings (1.05× hist)2023-07-01: 6,392 filings (0.97× hist)2023-08-01: 6,893 filings (1.01× hist)2023-09-01: 6,053 filings (0.97× hist)2023-10-01: 6,377 filings (0.99× hist)2023-11-01: 5,473 filings (0.98× hist)2023-12-01: 5,072 filings (0.95× hist)2024-01-01: 6,488 filings (0.95× hist)2024-02-01: 5,546 filings (0.97× hist)2024-03-01: 4,994 filings (0.95× hist)2024-04-01: 5,732 filings (0.98× hist)2024-05-01: 6,186 filings (0.95× hist)2024-06-01: 5,971 filings (0.92× hist)2024-07-01: 6,556 filings (0.99× hist)2024-08-01: 6,405 filings (0.94× hist)2024-09-01: 5,989 filings (0.96× hist)2024-10-01: 6,334 filings (0.98× hist)2024-11-01: 5,515 filings (0.99× hist)2024-12-01: 5,529 filings (1.03× hist)2025-01-01: 6,682 filings (0.98× hist)2025-02-01: 5,583 filings (1.00× hist)2025-03-01: 4,985 filings (0.95× hist)2025-04-01: 5,499 filings (0.94× hist)2025-05-01: 5,854 filings (0.90× hist)2025-06-01: 6,312 filings (0.97× hist)2025-07-01: 6,736 filings (1.02× hist)2025-08-01: 6,317 filings (0.92× hist)2025-09-01: 6,149 filings (0.99× hist)2025-10-01: 6,313 filings (0.98× hist)2025-11-01: 5,141 filings (0.93× hist)2025-12-01: 5,602 filings (1.05× hist)2026-01-01: 6,368 filings (0.93× hist)2026-02-01: 5,712 filings (1.02× hist)2026-03-01: 5,084 filings (0.97× hist)2026-04-01: 5,536 filings (0.95× hist)
Filings dropped 5% over the past 12 months.
05FAQ

Frequently asked questions

Q1

Can I evict a tenant in Lowell without a reason?

For month-to-month tenants, yes. Indiana law does not have a statewide "just-cause" eviction requirement. You can issue a 30-day notice to terminate their tenancy without stating a specific reason, as long as it's not for a discriminatory or retaliatory purpose. For tenants on a fixed-term lease, you generally need a lease violation to evict them before the lease expires.

Q2

How long does it take to get a tenant out in Lowell?

The typical timeline for an eviction in Lowell is 34 days, from the initial notice to the final lockout. This is an average. It can be shorter if the tenant moves out quickly after the notice, or longer if there are court delays, tenant defenses, or difficulty serving papers. Your efficiency in filing and following up also plays a big role.

Q3

What's the most common mistake landlords make during eviction in Indiana?

The most common mistake is failing to follow proper notice procedures. This includes using the wrong notice, serving it incorrectly, or accepting partial payments after notice is given, which can nullify the notice. Self-help evictions (changing locks, shutting off utilities) are also illegal and can lead to severe penalties. Always follow the legal process.

Q4

Is there rent control in Lowell, IN?

No, there is no rent control in Lowell or anywhere else in Indiana. State law prohibits local governments from enacting rent control measures. This means you are generally free to set and increase rents as market conditions dictate, provided you give proper notice for any increases as per your lease agreement and state law.

Q5

Can I keep the security deposit for unpaid rent?

Yes, you can deduct unpaid rent from the security deposit. You can also deduct for damages beyond normal wear and tear, and for unpaid utilities if specified in the lease. Remember, you must provide an itemized list of deductions to the tenant within 45 days of them vacating the property.

06Score

What this score means for landlords2

A 2.5/10 places Lowell in the 86th percentile of Indiana 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.