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Lake Como, New Jersey eviction risk overview
City brief · 1,619 residents

Lake Como, NJ Eviction Risk: HIGH

Monmouth County · Population 1,619

In 2026
Risk score
7.4
HIGH

56th percentile, New Jersey.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min1.9 Average4.1 Now7.4
10 5 1976 · score 1.9 1977 · score 2.0 1978 · score 2.1 1979 · score 2.2 1980 · score 2.0 1981 · score 2.0 1982 · score 2.1 1983 · score 2.0 1984 · score 1.9 1985 · score 2.0 1986 · score 2.0 1987 · score 2.0 1988 · score 2.2 1989 · score 2.2 1990 · score 2.4 1991 · score 2.4 1992 · score 3.0 1993 · score 3.0 1994 · score 3.0 1995 · score 3.1 1996 · score 3.7 1997 · score 3.8 1998 · score 3.8 1999 · score 3.9 2000 · score 4.0 2001 · score 4.2 2002 · score 4.3 2003 · score 4.3 2004 · score 4.0 2005 · score 4.1 2006 · score 4.2 2007 · score 4.3 2008 · score 4.7 2009 · score 4.9 2010 · score 4.9 2011 · score 5.1 2012 · score 5.1 2013 · score 5.3 2014 · score 5.4 2015 · score 5.5 2016 · score 5.5 2017 · score 5.7 2018 · score 6.0 2019 · score 6.3 2020 · score 7.1 2021 · score 7.1 2022 · score 7.1 2023 · score 7.2 2024 · score 6.9 2025 · score 7.0 2026 · score 7.4

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 5.4 Regional 5.4 State 6.8 Economic 5.7 Supply 8.4 Rent Control 8.3 Eviction 6.8 Tenant 7.8 Housing 6.1 7.4 HIGH
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    GOP margin +11.4% (2024)
    5.4
  2. Regional political climate
    County-weighted neighbor mix
    5.4
  3. State political climate
    New Jersey legislature & governorship
    6.8
  4. Economic stress
    6.7% poverty · 6.3% unemp.
    5.7
  5. Supply constraint
    $1,810 average · 36.7% renters
    8.4
  6. Rent Control risk
    35.7% of income on rent
    8.3
  7. Eviction process difficulty
    170 days filing → judgment
    6.8
  8. Tenant organizing strength
    36.7% renters
    7.8
  9. Housing court bias
    County bench composition
    6.1
Geographic context

Risk heat across Lake Como and the region

Click any city to see its score

How Lake Como compares

Risk score vs. peers, county, state, and the U.S.
Rank in Monmouth County
Elevated
#27 of 61 cities
Rank in county, 57th percentileBottomTop
#27 of 61 cities in Monmouth County for landlord eviction risk.
Rank in New Jersey
Moderate
#315 of 696 cities
Rank in state, 55th percentileBottomTop
#315 of 696 cities in New Jersey for landlord eviction risk.
vs. county · state · U.S.
Lake Como risk score vs. county / state / U.S.Lake Como: 7.47.4Lake ComoThis cityCounty: 7.27.2Countyavg in countyState: 7.77.7Stateavg in stateU.S.: 5.25.2U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 7.4
    / 10 · HIGH
    The verdict

    A High-tier market.

    Composite 7.4/10. High statutory friction with active tenant counsel, so assume defenses on every filing. The 50-year curve shows a sharp climb.

    50-yr trend+5.5 over 50 yr
    197620012026

    Steepening since 2010 · COVID inflection visible

  2. 170d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $1,810/mo. A contested eviction takes 170 days and costs $9,620-$22,093 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 36.7%
    Renters
    The renters

    Who you'll be renting to.

    Out of 1,619 residents, 36.7% rent. 36% are spending 30%+ income on rent, 6.7% below the poverty line.

    50-yr trendRenter share rising
    197620012026

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

  4. 5.4
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 5.4 and 5.4 (GOP margin +11.4% (2024)). State climate at 6.8, a mid-range statehouse.

    50-yr trendTracks county vote margin
    197620012026

    Built on 50-yr presidential margins back to 1976.

  5. 6.8
    State politics
    The process

    Moderate calendar, moderate friction.

    State political climate 6.8/10 sets the legislative ceiling for landlord remedies, and it shows up in the process. Eviction process difficulty reads 6.8, housing court bias 6.1, rent-control risk 8.3. Standard process speed for the state.

    50-yr trendProcess difficulty +1.8 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 5.7
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 5.7. Supply constraint: 8.4. The numbers behind those: 6.7% poverty, 6.3% unemployment, 36% of income on rent.

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

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Lake Como 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) Newark, NJ · 165d · ~$16.3k all-in ($99/day) · score 9 Newark Jersey City, NJ · 163d · ~$18.6k all-in ($114/day) · score 9.3 Jersey City Elizabeth, NJ · 165d · ~$16.5k all-in ($100/day) · score 8.4 Elizabeth Toms River, NJ · 166d · ~$16.0k all-in ($96/day) · score 7.2 Toms River Trenton, NJ · 179d · ~$18.6k all-in ($104/day) · score 8.6 Trenton Clifton, NJ · 170d · ~$19.3k all-in ($114/day) · score 8 Clifton Bayonne, NJ · 180d · ~$17.2k all-in ($95/day) · score 8.3 Bayonne East Orange, NJ · 195d · ~$15.6k all-in ($80/day) · score 9.2 East Orange Passaic, NJ · 177d · ~$17.7k all-in ($100/day) · score 8.6 Passaic Lakewood, NJ · 164d · ~$18.1k all-in ($111/day) · score 7.4 Lakewood Houston, TX · 24d · ~$2.5k all-in ($103/day) · score 2.7 Houston Phoenix, AZ · 38d · ~$3.3k all-in ($86/day) · score 3.9 Phoenix Memphis, TN · 31d · ~$2.0k all-in ($66/day) · score 4.6 Memphis Atlanta, GA · 40d · ~$2.8k all-in ($69/day) · score 5.5 Atlanta Boston, MA · 187d · ~$20.3k all-in ($109/day) · score 6.8 Boston Chicago, IL · 109d · ~$9.0k all-in ($82/day) · score 6.3 Chicago New York, NY · 417d · ~$29.5k all-in ($71/day) · score 9.8 New York Seattle, WA · 162d · ~$12.7k all-in ($79/day) · score 6.2 Seattle Lake Como
Lake Como · 170d · ~$15.9k all-in ($93/day) · score 7.4 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 Lake Como, NJ

Landlording in Lake Como, New Jersey, presents a high-friction environment where attorney involvement on every filing is the norm. The Eviction Risk Score is 7.4/10 (HIGH 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 High-friction landlord market where lease drafting, screening discipline, and well-documented notices materially change outcomes.

Lake Como is a city of 1,619 residents where 36.7% of occupied units are renter-occupied, and the typical renter spends 35.7% of income on rent. At an average rent of $1,810/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 Lake Como eviction process actually works

Eviction process difficulty here reads 6.8/10, 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 Lake Como closes 170 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 Lake Como's timeline is usually the calendar, not the motion practice. Housing court bias scores 6.1/10 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 Lake Como runs $9,620 to $22,093 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 170 days of typical timeline and $1,810/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 7.8/10 in Lake Como, and the city sits at the top of the rent control risk spectrum (8.3/10). 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 New Jersey, 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 Lake Como: 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 HIGH 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 New Jersey's statutory language. Fix those four, and most cases settle or default. Skip them, and a $22,093 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Lake Como

Trap · PRACTICAL TRAP
Compare Lake Como to neighboring cities in Monmouth County via the grid below. The 7/10 score is computed from nine sub-factors plus a state-law multiplier under NJSA 2A:18-61.1 Anti-Eviction Act. Monmouth County 2020 presidential margin: R+2.8. Cross-reference the state overview link in the guides section for New Jersey statutory detail.
05FAQ

Frequently asked questions

Q1

Can I evict a tenant for being consistently late with rent, even if they eventually pay?

Yes, in New Jersey, habitual late payment can be a "just cause" for eviction under the Anti-Eviction Act. However, you need to prove a consistent pattern of late payments and that you've given proper notices for each late payment. This isn't as straightforward as non-payment, so legal counsel is highly recommended to ensure you meet the strict criteria.

Q2

What if my tenant claims they can't pay due to a job loss or medical issue?

While unfortunate, a tenant's personal hardship generally doesn't excuse them from paying rent. You still have the right to pursue eviction for non-payment. However, some courts may be more sympathetic, potentially leading to adjournments. This is where an attorney can help you navigate the process. Consider offering a payment plan or cash for keys if you want to avoid a lengthy court battle.

Q3

Do I need a lawyer for an eviction in Lake Como?

While you can represent yourself in New Jersey landlord-tenant court, it's highly advisable to hire an attorney, especially in a high-risk area like Lake Como. The laws are complex, the process is long (170 days), and mistakes can be costly (up to $22,093). An attorney ensures proper notices, court filings, and representation, greatly increasing your chances of a successful and efficient outcome.

Q4

Can I raise the rent whenever I want in Lake Como?

Lake Como does not have local rent control. However, New Jersey has statewide just-cause eviction requirements. If you raise the rent to an "unconscionable" level, it could be deemed retaliatory or unreasonable, potentially hindering your ability to evict if the tenant refuses to pay the new rent. While there's no specific cap, excessive increases are risky. Always give proper written notice for any rent increase, usually 30 days for month-to-month leases.

Q5

What's the biggest mistake a Lake Como landlord makes during an eviction?

The biggest mistake is often failing to follow the strict notice requirements and procedures under New Jersey's Anti-Eviction Act. This includes incorrect notice periods, improper service of notices, or not having a valid "just cause." Any procedural error can lead to your case being dismissed, forcing you to start over and incurring more costs and delays. Self-help evictions (like changing locks or shutting off utilities) are also illegal and carry severe penalties. Stick to the legal process, even if it's slow.

06Score

What this score means for landlords2

A 7.4/10 places Lake Como in the 56th percentile of New Jersey 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.