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Passaic, New Jersey eviction risk overview

Passaic, NJ Eviction Risk: HIGH

Passaic County · Population 70,002

In 2026
Risk score
7.5
HIGH

94th percentile, New Jersey.

50-yr Eviction Risk Score history

1976 — 2026 · climbing fast since 2010

Min2.2 Average4.6 Now7.5
10 5 1976 · score 2.3 1977 · score 2.3 1978 · score 2.4 1979 · score 2.5 1980 · score 2.3 1981 · score 2.4 1982 · score 2.4 1983 · score 2.4 1984 · score 2.2 1985 · score 2.3 1986 · score 2.3 1987 · score 2.4 1988 · score 2.6 1989 · score 2.6 1990 · score 2.8 1991 · score 2.8 1992 · score 3.4 1993 · score 3.4 1994 · score 3.5 1995 · score 3.5 1996 · score 4.2 1997 · score 4.3 1998 · score 4.3 1999 · score 4.4 2000 · score 4.4 2001 · score 4.5 2002 · score 4.7 2003 · score 4.7 2004 · score 4.5 2005 · score 4.6 2006 · score 4.7 2007 · score 4.8 2008 · score 5.2 2009 · score 5.4 2010 · score 5.5 2011 · score 5.6 2012 · score 5.8 2013 · score 5.9 2014 · score 6.0 2015 · score 6.1 2016 · score 6.3 2017 · score 6.5 2018 · score 6.8 2019 · score 7.0 2020 · score 7.8 2021 · score 7.9 2022 · score 7.9 2023 · score 7.9 2024 · score 7.6 2025 · score 7.5 2026 · score 7.5

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 6.8 Economic 8.7 Supply 8.9 Rent Control 7.9 Eviction 6.0 Tenant 9.9 Housing 8.1 7.5 HIGH
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    GOP margin +2.9% (2024)
    6.2
  2. Regional political climate
    County-weighted neighbor mix
    6.2
  3. State political climate
    New Jersey legislature & governorship
    6.8
  4. Economic stress
    23.1% poverty · 11.4% unemp.
    8.7
  5. Supply constraint
    $1,465 average · 76.2% renters
    8.9
  6. Rent Control risk
    34.9% of income on rent
    7.9
  7. Eviction process difficulty
    177 days filing → judgment
    6.0
  8. Tenant organizing strength
    76.2% renters
    9.9
  9. Housing court bias
    County bench composition
    8.1
Geographic context

Risk heat across Passaic and the region

Click any city to see its score

How Passaic compares

Risk score vs. peers, county, state, and the U.S.
Rank in Passaic County
High
#5 of 22 cities
Rank in county — 81th percentileBottomTop
#5 of 22 cities in Passaic County for landlord eviction risk.
Rank in New Jersey
Very High
#52 of 696 cities
Rank in state — 93th percentileBottomTop
#52 of 696 cities in New Jersey for landlord eviction risk.
vs. county · state · U.S.
Passaic risk score vs. county / state / U.S.Passaic: 7.57.5PassaicThis cityCounty: 7.37.3Countyavg in countyState: 7.07.0Stateavg in stateU.S.: 5.35.3U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 7.5
    / 10 · HIGH
    The verdict

    A High-tier market.

    Composite 7.5/10. High statutory friction with active tenant counsel — assume defenses on every filing. The 50-year curve shows a sharp climb.

    50-yr trend+5.2 over 50 yr
    197620012026

    Steepening since 2010 · COVID inflection visible

  2. 177d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $1,465/mo. A contested eviction takes 177 days and costs $8,971–$26,481 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 76.2%
    Renters
    The renters

    Who you'll be renting to.

    Out of 70,002 residents, 76.2% rent. 35% are spending 30%+ income on rent, 23.1% 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 (GOP margin +2.9% (2024)). State climate at 6.8 — 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 shows up in process. Eviction process difficulty reads 6.0, housing court bias 8.1, rent-control risk 7.9. Standard process speed for the state.

    50-yr trendProcess difficulty +1.0 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 8.7
    Economic stress
    The stress

    Economic pressure is the real risk.

    Economic stress: 8.7. Supply constraint: 8.9. The numbers behind those: 23.1% poverty, 11.4% unemployment, 35% of income on rent.

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

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Passaic 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 8.2 Newark Jersey City, NJ · 163d · ~$18.6k all-in ($114/day) · score 7.9 Jersey City Paterson, NJ · 185d · ~$17.8k all-in ($96/day) · score 7.7 Paterson Elizabeth, NJ · 165d · ~$16.5k all-in ($100/day) · score 7.4 Elizabeth Clifton, NJ · 170d · ~$19.3k all-in ($114/day) · score 7.6 Clifton Bayonne, NJ · 180d · ~$17.2k all-in ($95/day) · score 7.3 Bayonne East Orange, NJ · 195d · ~$15.6k all-in ($80/day) · score 8.0 East Orange Union City, NJ · 179d · ~$17.7k all-in ($99/day) · score 6.4 Union City Hoboken, NJ · 195d · ~$15.5k all-in ($80/day) · score 7.5 Hoboken New Brunswick, NJ · 171d · ~$15.6k all-in ($91/day) · score 7.9 New Brunswick Houston, TX · 24d · ~$2.5k all-in ($103/day) · score 3.4 Houston Phoenix, AZ · 38d · ~$3.3k all-in ($86/day) · score 3.7 Phoenix Memphis, TN · 31d · ~$2.0k all-in ($66/day) · score 4.2 Memphis Atlanta, GA · 40d · ~$2.8k all-in ($69/day) · score 4.9 Atlanta Boston, MA · 187d · ~$20.3k all-in ($109/day) · score 8.1 Boston Chicago, IL · 109d · ~$9.0k all-in ($82/day) · score 6.8 Chicago New York, NY · 417d · ~$29.5k all-in ($71/day) · score 7.8 New York Seattle, WA · 162d · ~$12.7k all-in ($79/day) · score 8.2 Seattle Passaic
Passaic · 177d · ~$17.7k all-in ($100/day) · score 7.5 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 Passaic, NJ

Landlording in Passaic, New Jersey, presents a high-friction environment where attorney involvement on every filing is the norm. The Eviction Risk Score is 7.5/10 (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.

Passaic is a city of 70,002 residents where 76.2% of occupied units are renter-occupied, and the typical renter spends 34.9% of income on rent. At an average rent of $1,465/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 Passaic eviction process actually works

Eviction process difficulty here reads 6.0/10 — 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 Passaic closes 177 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 Passaic's timeline is usually the calendar, not the motion practice. Housing court bias scores 8.1/10 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 Passaic runs $8,971 to $26,481 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 177 days of typical timeline and $1,465/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 9.9/10 in Passaic, and the city carries meaningful rent control exposure (7.9/10). Operations practice that survives audit in this environment looks like:

  • Screening discipline. Document income (verified at 2.5–3x 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 — exceed 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 Passaic: 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 — 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 $26,481 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Passaic

Trap · PRACTICAL TRAP
Cost-versus-timeline trade-off: at 177 days and roughly $26,481 on the high end, cash-for-keys at $10,592 to $15,888 typically beats the legal route for non-aggravated cases. Tenant defenses available under NJSA 2A:18-61.1 Anti-Eviction Act can extend this materially.
05FAQ

Frequently asked questions

Q1

Can I evict a tenant in Passaic if their lease expires and I just want them out?

No, not usually. New Jersey has statewide just-cause eviction requirements. You cannot simply terminate a tenancy because the lease term ended unless you have one of the specific "for cause" reasons outlined in the Anti-Eviction Act, such as non-payment, lease violations, or owner occupancy. This is a critical difference from many other states. You need to understand New Jersey rent control rules as they relate to just cause.

Q2

How long does it really take to evict someone for non-payment in Passaic?

Our data shows an average of 177 days. While some cases might be faster, given the court backlog, tenant protections, and potential for adjournments, planning for at least six months is a realistic and safe estimate for a contested eviction in Passaic.

Q3

What's the biggest mistake landlords make in Passaic evictions?

The biggest mistake is usually procedural errors – incorrect notice, improper service, or failing to strictly follow the Anti-Eviction Act. New Jersey courts are very strict on landlord compliance. A close second is waiting too long to act or trying to handle the entire process without legal counsel. Don't be penny-wise and pound-foolish here; the costs of an error far outweigh attorney fees.

Q4

Is "cash for keys" legal in Passaic?

Yes, "cash for keys" is a legal and often recommended strategy. It's a mutual agreement where you offer a tenant money in exchange for them voluntarily vacating the property by a certain date, often leaving it in good condition. It avoids the lengthy and costly eviction court process, saving you significant time and money.

Q5

What if my tenant claims they lost their job and can't pay?

While unfortunate, a tenant's financial hardship does not negate their obligation to pay rent. You still must follow the proper eviction process. However, this might be a prime scenario for a "cash for keys" offer. It gives the tenant some funds to move and saves you the expense and time of a drawn-out eviction. Remember, Passaic has a high economic stress score (8.7/10), so this situation is not uncommon.

06Score

What this score means for landlords2

A 7.5/10 places Passaic in the 94th 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 1–10 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.