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Churchill, Montana eviction risk overview
City brief · 1,167 residents

Churchill, MT Eviction Risk: VERY LOW

Gallatin County · Population 1,167

In 2026
Risk score
2.4
VERY LOW

85th percentile, Montana.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min1.9 Average3.0 Now2.4
10 5 1976 · score 1.9 1977 · score 2.0 1978 · score 2.1 1979 · score 2.2 1980 · score 1.9 1981 · score 2.0 1982 · score 2.0 1983 · score 2.0 1984 · score 2.0 1985 · score 2.1 1986 · score 2.1 1987 · score 2.1 1988 · score 2.5 1989 · score 2.6 1990 · score 2.7 1991 · score 2.7 1992 · score 2.9 1993 · score 2.9 1994 · score 3.0 1995 · score 3.0 1996 · score 2.8 1997 · score 2.9 1998 · score 2.9 1999 · score 3.0 2000 · score 2.0 2001 · score 2.1 2002 · score 2.2 2003 · score 2.2 2004 · score 2.4 2005 · score 2.4 2006 · score 2.5 2007 · score 2.6 2008 · score 3.3 2009 · score 3.5 2010 · score 3.5 2011 · score 3.6 2012 · score 3.2 2013 · score 3.3 2014 · score 3.4 2015 · score 3.5 2016 · score 3.6 2017 · score 3.7 2018 · score 3.9 2019 · score 4.2 2020 · score 4.9 2021 · score 4.9 2022 · score 5.0 2023 · score 5.0 2024 · score 4.8 2025 · score 4.6 2026 · score 2.4

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 5.8 Regional 5.8 State 1.7 Economic 3.4 Supply 6.2 Rent Control 9.5 Eviction 1.4 Tenant 4.1 Housing 6.6 2.4 VERY LOW
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    Dem margin +3.2% (2024)
    5.8
  2. Regional political climate
    County-weighted neighbor mix
    5.8
  3. State political climate
    Montana legislature & governorship
    1.7
  4. Economic stress
    6.3% poverty · 0.7% unemp.
    3.4
  5. Supply constraint
    $1,382 average · 17.9% renters
    6.2
  6. Rent Control risk
    51.0% of income on rent
    9.5
  7. Eviction process difficulty
    30 days filing → judgment
    1.4
  8. Tenant organizing strength
    17.9% renters
    4.1
  9. Housing court bias
    County bench composition
    6.6
Geographic context

Risk heat across Churchill and the region

Click any city to see its score

How Churchill compares

Risk score vs. peers, county, state, and the U.S.
Rank in Gallatin County
Elevated
#7 of 16 cities
Rank in county, 60th percentileBottomTop
#7 of 16 cities in Gallatin County for landlord eviction risk.
Rank in Montana
High
#78 of 496 cities
Rank in state, 84th percentileBottomTop
#78 of 496 cities in Montana for landlord eviction risk.
vs. county · state · U.S.
Churchill risk score vs. county / state / U.S.Churchill: 2.42.4ChurchillThis cityCounty: 2.52.5Countyavg in countyState: 2.22.2Stateavg in stateU.S.: 5.25.2U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 2.4
    / 10 · VERY LOW
    The verdict

    A Very low-tier market.

    Composite 2.4/10. Mid-range market; standard documentation usually wins. The 50-year curve shows a slow, steady climb.

    50-yr trend+0.5 over 50 yr
    197620012026

    Steady ratchet · no large swings

  2. 30d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $1,382/mo. A contested eviction takes 30 days and costs $797-$2,845 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 17.9%
    Renters
    The renters

    Who you'll be renting to.

    Out of 1,167 residents, 17.9% rent. 51% are spending 30%+ income on rent, 6.3% below the poverty line.

    50-yr trendRenter share rising
    197620012026

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

  4. 5.8
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 5.8 and 5.8 (Dem margin +3.2% (2024)). State climate at 1.7, a mid-range statehouse.

    50-yr trendTracks county vote margin
    197620012026

    Built on 50-yr presidential margins back to 1976.

  5. 1.7
    State politics
    The process

    Moderate calendar, moderate friction.

    State political climate 1.7/10 sets the legislative ceiling for landlord remedies, and it shows up in the process. Eviction process difficulty reads 1.4, housing court bias 6.6, rent-control risk 9.5. Standard process speed for the state.

    50-yr trendProcess difficulty +-3.6 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 3.4
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 3.4. Supply constraint: 6.2. The numbers behind those: 6.3% poverty, 0.7% unemployment, 51% of income on rent.

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

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Churchill sits in the quick & cheap quadrant

Bubble size = population · color = risk score
00Overview

About eviction risk in Churchill, MT

Landlording in Churchill, Montana, presents a manageable operating environment for documented landlords. The Eviction Risk Score is 2.4/10 (VERY 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.

Churchill is a city of 1,167 residents where 17.9% of occupied units are renter-occupied, and the typical renter spends 51.0% of income on rent. At an average rent of $1,382/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 Churchill eviction process actually works

Eviction process difficulty here reads 1.4/10, 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 Churchill closes 30 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 Churchill's timeline is usually the calendar, not the motion practice. Housing court bias scores 6.6/10 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 Churchill runs $797 to $2,845 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 30 days of typical timeline and $1,382/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 4.1/10 in Churchill, and the city sits at the top of the rent control risk spectrum (9.5/10). 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 Montana, 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 Churchill: 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 VERY 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 Montana's statutory language. Fix those four, and most cases settle or default. Skip them, and a $2,845 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Churchill

Trap · PRACTICAL TRAP
Cost-versus-timeline trade-off: at 30 days and roughly $2,845 on the high end, cash-for-keys at $1,138 to $1,707 typically beats the legal route for non-aggravated cases. Default judgment frequency is high under Mont. Code 70-24 URLTA.
05FAQ

Frequently asked questions

Q1

Can I evict a tenant in Churchill for no reason?

Montana law, including in Churchill, does not require "just cause" for eviction for non-renewal of a lease. You can issue a 30-day notice to terminate a month-to-month tenancy without stating a reason, as long as it's not discriminatory or retaliatory. For a lease with a fixed term, you'd need a lease violation or wait for the term to end.

Q2

How long does it take to get my security deposit back in Montana?

Your landlord has 10 days to return your security deposit if there are no deductions. If deductions are made for damages or unpaid rent, they have 30 days to return the remaining amount along with an itemized statement of deductions. Missing this deadline can result in penalties for the landlord.

Q3

Are there rent control laws in Churchill, MT?

No, there are no rent control laws in Churchill, or anywhere in Montana. Montana has statewide preemption against local rent control ordinances, meaning cities cannot enact them. For more details, see our Montana rent control rules.

Q4

What should I do if my tenant stops paying rent?

First, communicate with the tenant to understand the situation. If payment isn't made, serve a 3-day pay-or-quit notice immediately. If they don't pay or vacate within those three days, file an eviction lawsuit in Justice Court. Do not change locks, remove their belongings, or shut off utilities, as these are illegal "self-help" evictions.

Q5

Can I charge a late fee in Churchill, MT?

Yes, you can charge a late fee in Churchill, provided it is clearly stated in your lease agreement. Montana law does not set a specific cap on late fees, but they must be reasonable and reflect the actual costs incurred by the landlord due to the late payment.

06Score

What this score means for landlords2

A 2.4/10 places Churchill in the 85th percentile of Montana 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.