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Elbow Lake, Minnesota eviction risk overview
City brief · 1,301 residents

Elbow Lake, MN Eviction Risk: MODERATE

Grant County · Population 1,301

In 2026
Risk score
5.3
MODERATE

97th percentile, Minnesota.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min2.5 Average3.6 Now5.3
5.4 2.5 1976 · score 3.0 1977 · score 3.0 1978 · score 2.9 1979 · score 3.0 1980 · score 3.0 1981 · score 3.0 1982 · score 3.1 1983 · score 3.0 1984 · score 2.7 1985 · score 2.6 1986 · score 2.5 1987 · score 2.5 1988 · score 2.8 1989 · score 2.8 1990 · score 2.9 1991 · score 2.9 1992 · score 3.1 1993 · score 3.1 1994 · score 3.1 1995 · score 3.1 1996 · score 3.3 1997 · score 3.3 1998 · score 3.3 1999 · score 3.4 2000 · score 3.4 2001 · score 3.4 2002 · score 3.4 2003 · score 3.3 2004 · score 3.4 2005 · score 3.4 2006 · score 3.4 2007 · score 3.5 2008 · score 3.9 2009 · score 4.1 2010 · score 4.1 2011 · score 4.1 2012 · score 4.0 2013 · score 4.0 2014 · score 3.9 2015 · score 4.0 2016 · score 4.0 2017 · score 3.9 2018 · score 3.9 2019 · score 3.9 2020 · score 5.2 2021 · score 5.4 2022 · score 4.5 2023 · score 4.2 2024 · score 5.4 2025 · score 5.3 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 4.3 Regional 4.3 State 4.3 Economic 9.6 Supply 4.9 Rent Control 5.6 Eviction 4.0 Tenant 8.1 Housing 7.6 5.3 MODERATE
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    GOP margin +30.6% (2024)
    4.3
  2. Regional political climate
    County-weighted neighbor mix
    4.3
  3. State political climate
    Minnesota legislature & governorship
    4.3
  4. Economic stress
    38.5% poverty · 21.7% unemp.
    9.6
  5. Supply constraint
    $742 average · 31.3% renters
    4.9
  6. Rent Control risk
    27.5% of income on rent
    5.6
  7. Eviction process difficulty
    85 days filing → judgment
    4.0
  8. Tenant organizing strength
    31.3% renters
    8.1
  9. Housing court bias
    County bench composition
    7.6
Geographic context

Risk heat across Elbow Lake and the region

Click any city to see its score

How Elbow Lake compares

Risk score vs. peers, county, state, and the U.S.
Rank in Grant County
Very High
#1 of 8 cities
Rank in county, 100th percentileLowHigh
#1 of 8 cities in Grant County for landlord eviction risk.
Rank in Minnesota
Very High
#36 of 909 cities
Rank in state, 96th percentileLowHigh
#36 of 909 cities in Minnesota for landlord eviction risk.
vs. county · state · U.S.
Elbow Lake risk score vs. county / state / U.S.Elbow Lake: 5.35.3Elbow LakeThis cityCounty: 5.05.0Countyavg in countyState: 5.25.2Stateavg in stateU.S.: 4.74.7U.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+2.3 over 50 yr
    197620012026

    Steepening since 2010 · COVID inflection visible

  2. 85d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $742/mo. A contested eviction takes 85 days and costs $4,443–$10,186 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 31.3%
    Renters
    The renters

    Who you'll be renting to.

    Out of 1,301 residents, 31.3% rent. 28% are spending 30%+ income on rent, 38.5% below the poverty line.

    50-yr trendRenter share rising
    197620012026

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

  4. 4.3
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 4.3 and 4.3 (GOP margin +30.6% (2024)). State climate at 4.3, a mid-range statehouse.

    50-yr trendTracks county vote margin
    197620012026

    Built on 50-yr presidential margins back to 1976.

  5. 4.3
    State politics
    The process

    Moderate calendar, moderate friction.

    State political climate 4.3/10 sets the legislative ceiling for landlord remedies, and it shows up in the process. Eviction process difficulty reads 4, housing court bias 7.6, rent-control risk 5.6. Standard process speed for the state.

    50-yr trendProcess difficulty +-1.0 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 9.6
    Economic stress
    The stress

    Economic pressure is the real risk.

    Economic stress: 9.6. Supply constraint: 4.9. The numbers behind those: 38.5% poverty, 21.7% unemployment, 28% of income on rent.

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

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Elbow 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) Minneapolis, MN · 94d · ~$7.4k all-in ($78/day) · score 6.4 Minneapolis St. Paul, MN · 91d · ~$7.2k all-in ($79/day) · score 6.6 St. Paul Rochester, MN · 92d · ~$6.7k all-in ($73/day) · score 5.4 Rochester Bloomington, MN · 86d · ~$7.9k all-in ($92/day) · score 5.7 Bloomington Duluth, MN · 101d · ~$7.3k all-in ($72/day) · score 5.8 Duluth Brooklyn Park, MN · 90d · ~$7.6k all-in ($85/day) · score 5.1 Brooklyn Park Plymouth, MN · 89d · ~$7.5k all-in ($84/day) · score 4.7 Plymouth Woodbury, MN · 92d · ~$7.4k all-in ($81/day) · score 4.7 Woodbury Lakeville, MN · 97d · ~$8.0k all-in ($82/day) · score 4.9 Lakeville Blaine, MN · 85d · ~$7.6k all-in ($90/day) · score 4.9 Blaine 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 Elbow Lake
Elbow Lake · 85d · ~$7.3k all-in ($86/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 Elbow Lake, MN

Landlording in Elbow Lake, Minnesota, 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.

Elbow Lake is a city of 1,301 residents where 31.3% of occupied units are renter-occupied, and the typical renter spends 27.5% of income on rent. At an average rent of $742/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 Elbow Lake eviction process actually works

Eviction process difficulty here reads 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 Elbow Lake closes 85 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 Elbow Lake's timeline is usually the calendar, not the motion practice. Housing court bias scores 7.6/10 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 Elbow Lake runs $4,443 to $10,186 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 85 days of typical timeline and $742/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 8.1/10 in Elbow Lake, and the city has limited rent control exposure (5.6/10). 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 Minnesota, 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 Elbow 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 Minnesota's statutory language. Fix those four, and most cases settle or default. Skip them, and a $10,186 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Elbow Lake

Trap · 31.3%
31.3% renter share against 1,301 residents produces roughly 407 rental occupants in Elbow Lake. Grant County voted R 26.5% in 2020. Eviction filings tend to cluster in the multifamily rental corridor.
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, 2,011 eviction cases were filed across the tracker's coverage area, 1.03× the historical baseline (near baseline). Past 12 months: 26,070 filings. Pandemic-era cumulative: 113,788.

  • 2,011Past month
  • 26,070Past 12 months
  • 1.03×vs baseline (past mo)
  • 11.5%Repeat-tenant filings
Notice requirement: no advance notice (in the case of nonpayment of rent). Filing fee: minimum filing fee of $310.
Last 36 months of filings 2023-05-01 – 2026-04-01
Monthly eviction filings (Eviction Lab tracker)2023-05-01: 2,406 filings (1.11× hist)2023-06-01: 2,249 filings (1.11× hist)2023-07-01: 1,968 filings (0.97× hist)2023-08-01: 2,067 filings (0.99× hist)2023-09-01: 2,000 filings (0.98× hist)2023-10-01: 2,140 filings (0.98× hist)2023-11-01: 1,695 filings (0.91× hist)2023-12-01: 2,018 filings (0.95× hist)2024-01-01: 1,152 filings (0.64× hist)2024-02-01: 1,854 filings (0.92× hist)2024-03-01: 1,913 filings (0.92× hist)2024-04-01: 1,779 filings (0.91× hist)2024-05-01: 1,923 filings (0.89× hist)2024-06-01: 1,794 filings (0.89× hist)2024-07-01: 2,108 filings (1.03× hist)2024-08-01: 2,124 filings (1.01× hist)2024-09-01: 2,063 filings (1.02× hist)2024-10-01: 2,232 filings (1.02× hist)2024-11-01: 2,035 filings (1.09× hist)2024-12-01: 2,211 filings (1.05× hist)2025-01-01: 2,590 filings (1.45× hist)2025-02-01: 2,151 filings (1.11× hist)2025-03-01: 1,729 filings (0.83× hist)2025-04-01: 1,873 filings (0.96× hist)2025-05-01: 2,010 filings (0.93× hist)2025-06-01: 2,057 filings (1.02× hist)2025-07-01: 2,357 filings (1.16× hist)2025-08-01: 2,139 filings (1.02× hist)2025-09-01: 2,457 filings (1.21× hist)2025-10-01: 2,352 filings (1.08× hist)2025-11-01: 2,032 filings (1.09× hist)2025-12-01: 2,170 filings (1.03× hist)2026-01-01: 2,348 filings (1.31× hist)2026-02-01: 2,100 filings (1.08× hist)2026-03-01: 2,037 filings (0.98× hist)2026-04-01: 2,011 filings (1.03× hist)
Filings stayed roughly flat over the past 12 months.
05FAQ

Frequently asked questions

Q1

Can I evict a tenant in Elbow Lake for no reason?

No, not exactly. For a fixed-term lease, you need a reason like non-payment or lease violation. For a month-to-month tenancy, you can issue a 30-day "no-cause" notice to terminate, but it must not be discriminatory or retaliatory. Minnesota does not have statewide "just cause" eviction requirements like some other states.
Q2

How long does it really take to evict someone in Elbow Lake?

On average, expect an eviction in Elbow Lake to take about 85 days from the first missed payment to a tenant being out. This includes the notice period, court process, and potential sheriff lockout. It can be shorter if the tenant moves out voluntarily, or longer if the case is heavily contested.
Q3

What if my tenant claims the property has problems?

If your tenant raises issues about the property's condition, address them promptly and document all repairs. In Minnesota, tenants can use repair issues as a defense in an eviction case (called a "rent escrow" or "warranty of habitability" defense). If you ignore legitimate repair requests, it can severely complicate your eviction case.
Q4

Can I just change the locks if my tenant stops paying rent?

Absolutely not. This is an illegal "self-help" eviction and can lead to you being sued by the tenant for significant damages. You must follow the legal eviction process through the courts. Always go through the proper channels.
Q5

Is there a cap on late fees in Minnesota?

Minnesota law doesn't specify a maximum late fee amount, but courts generally consider a reasonable late fee to be 5% of the unpaid rent. Charging excessively high late fees might be challenged as unenforceable. Make sure your lease clearly states the late fee policy.
06Score

What this score means for landlords2

A 5.3/10 places Elbow Lake in the 97th percentile of Minnesota 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.