Estimated values: The U.S. Census suppresses field-level data for small places. Estimated from constituent census tracts, pop-weighted from real underlying ACS data.
Tenant beats landlord
10.9%
/ 100 outcomes
In court-decided eviction outcomes for Swan Lake, MT, tenants prevail in roughly 10.9% of contested cases. A higher number means landlords face stronger tenant defenses, longer calendars, and more required documentation, and landlord-friendliness drops as this rises.
Timeline
25d
filing → judgment
From the moment an unlawful-detainer notice is filed in Swan Lake, MT until a money judgment is entered, a contested eviction takes about 25 days on average. Longer timelines mean more lost rent and higher carry costs for landlords.
Cost range
$0.9-2.5k
legal + lost rent
A typical eviction in Swan Lake, MT costs landlords $918 to $2,524 all-in, covering court filing fees, process-server costs, attorney time, and lost rent during the calendar between filing and possession.
Average rent
$1,571
25% stretched on rent
Average gross rent in Swan Lake, MT is $1,571 per month per the U.S. Census American Community Survey (5-year 2023). 25% of renter households here spend more than 30% of pre-tax income on rent, the federal cost-burden threshold.
Renters
4.5%
of households
4.5% of occupied housing units in Swan Lake, MT are renter-occupied (vs owner-occupied). A higher renter share usually correlates with more eviction filings, more turnover, and a more active rental market.
Poverty
16.4%
9.4% unemp.
16.4% of Swan Lake, MT residents live below the federal poverty line, and unemployment runs at 9.4%. Both feed into the economic-stress sub-score in our Eviction Risk Score model because rent payment problems track poverty + joblessness more reliably than any other single signal.
Time machine
Scrub 50 years
197619861996200620162026
2026
● LIVE · today◀ REPLAY · historical
Nine-axis profile
9-axis profile · today
Shape of the risk surface
1 landlord · 10 tenant
Sub-scores · with sparkline
Where the score comes from
1 → 10 scale
Local political climate
GOP margin +19.9% (2024)
4.8
Regional political climate
County-weighted neighbor mix
4.8
State political climate
Montana legislature & governorship
1.7
Economic stress
16.4% poverty · 9.4% unemp.
4.1
Supply constraint
$1,571 average · 4.5% renters
2.4
Rent Control risk
25.0% of income on rent
1.0
Eviction process difficulty
25 days filing → judgment
1.8
Tenant organizing strength
4.5% renters
2.4
Housing court bias
County bench composition
1.1
Geographic context
Risk heat across Swan Lake and the region
Click any city to see its score
How Swan Lake compares
Risk score vs. peers, county, state, and the U.S.
Rank in Lake County
Low
#18of 26 cities
#18 of 26 cities in Lake County for landlord eviction risk.
Rank in Montana
Moderate
#276of 496 cities
#276 of 496 cities in Montana for landlord eviction risk.
vs. county · state · U.S.
Score story
Six-stop tour of the risk profile
1.9
/ 10 · VERY LOW
The verdict
A Very low-tier market.
Composite 1.9/10. Mid-range market; standard documentation usually wins. The 50-year curve shows a slow, steady climb.
50-yr trend+0.2 over 50 yr
197620012026
Steady ratchet · no large swings
25d
Typical timeline
The money
What renting (and evicting) looks like.
Rent published at $1,571/mo. A contested eviction takes 25 days and costs $918-$2,524 per case.
50-yr trendCalendar drag rising since '15
197620012026
Court-clerk data lands in the next release.
4.5%
Renters
The renters
Who you'll be renting to.
Out of 211 residents, 4.5% rent. 25% are spending 30%+ income on rent, 16.4% below the poverty line.
50-yr trendRenter share rising
197620012026
ACS 1970-present · once the migration overlay is in.
4.8
Local + regional
The politics
Mid-range climate. Not a coastal market.
Local & regional political climate score 4.8 and 4.8 (GOP margin +19.9% (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.
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 1.8, housing court bias 1.1, rent-control risk 1. Standard process speed for the state.
50-yr trendProcess difficulty +-3.2 since '00
197620012026
Court-clerk data lands in the next release.
4.1
Economic stress
The stress
Economic pressure is the background risk.
Economic stress: 4.1. Supply constraint: 2.4. The numbers behind those: 16.4% poverty, 9.4% unemployment, 25% of income on rent.
50-yr trendTwo visible dips · '08 + COVID
197620012026
Mirrors BLS unemployment series.
US eviction landscape · timeline × all-in cost
Swan Lake sits in the quick & cheap quadrant
Bubble size = population · color = risk score
Swan Lake · 25d · ~$1.7k all-in ($69/day) · score 1.9National average: 58d · $4.6k all-inHover any bubble for stats · click to openColor: 0-4 4-7 7-10
Landlording in Swan Lake, Montana, presents a manageable operating environment for documented landlords. The Eviction Risk Score is 1.9/10 (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.
Swan Lake is a city of 211 residents where 4.5% of occupied units are renter-occupied, and the typical renter spends 25.0% of income on rent. At an average rent of $1,571/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 Swan Lake eviction process actually works
Eviction process difficulty here reads 1.8/10, 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 Swan Lake closes 25 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 Swan Lake's timeline is usually the calendar, not the motion practice. Housing court bias scores 1.1/10 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 Swan Lake runs $918 to $2,524 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 25 days of typical timeline and $1,571/month in lost rent, that crossover happens fast here.
03Operations
Security deposits, screening, and lease terms
Tenant organizing strength scores 2.4/10 in Swan Lake, and the city has limited rent control exposure (1/10). 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 Swan 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 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 $2,524 all-in fight is the realistic worst case.
04bPractical traps
Local traps to avoid in Swan Lake
Trap · R+14.5
Swan Lake reflects the demographic and political composition of Lake County, with eviction procedure governed at the state level. Lake County 2020 margin: R+14.5.
05FAQ
Frequently asked questions
Q1
Can I charge whatever I want for a security deposit in Swan Lake?
Yes, Montana law doesn't set a cap on how much you can charge for a security deposit. However, it's generally recommended to keep it to one or two months' rent to remain competitive and fair. Remember, you must return it within 10 days if no deductions are made, or 30 days with an itemized list of deductions.
Q2
How quickly can I get a tenant out for not paying rent?
In Swan Lake, the typical timeline for an eviction from start to finish is around 25 days. This includes the 3-day pay-or-quit notice period and the court process. Acting quickly and correctly on your notices is key to staying within this timeframe.
Q3
Do I need a lawyer for an eviction in Swan Lake?
For a straightforward non-payment eviction that isn't contested, you might be able to handle it yourself. However, if the tenant disputes the eviction, you're unsure about the process, or you want to ensure everything is done perfectly, hiring a local attorney is highly recommended. It can save you time and prevent costly errors.
Q4
Are there any "just-cause" eviction rules I need to worry about in Montana?
No, Montana does not have statewide "just-cause" eviction requirements. This means you generally don't need a specific, legally defined reason to terminate a tenancy beyond the terms outlined in your lease, provided you give the correct notice (e.g., 30 days for a no-cause termination on a month-to-month lease).
A 1.9/10 places Swan Lake in the 52nd 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.
Cities with similar eviction risk to Swan Lake (1.9/10)
Same risk band nationally · click any city for its full breakdown.
