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Champlain, New York eviction risk overview
City brief · 1,270 residents

Champlain, NY Eviction Risk: HIGH

Clinton County · Population 1,270

In 2026
Risk score
8.2
HIGH

68th percentile, New York.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min2.9 Average5.5 Now8.2
9.9 2.9 1976 · score 3.2 1977 · score 3.2 1978 · score 3.1 1979 · score 3.1 1980 · score 3.2 1981 · score 3.1 1982 · score 3.2 1983 · score 3.2 1984 · score 3.1 1985 · score 3.0 1986 · score 3.0 1987 · score 2.9 1988 · score 3.3 1989 · score 3.5 1990 · score 3.6 1991 · score 3.7 1992 · score 4.3 1993 · score 4.4 1994 · score 4.4 1995 · score 4.4 1996 · score 5.0 1997 · score 5.1 1998 · score 5.2 1999 · score 5.3 2000 · score 5.3 2001 · score 5.3 2002 · score 5.4 2003 · score 5.3 2004 · score 5.3 2005 · score 5.4 2006 · score 5.4 2007 · score 5.5 2008 · score 6.4 2009 · score 6.7 2010 · score 6.9 2011 · score 7.0 2012 · score 7.1 2013 · score 7.2 2014 · score 7.2 2015 · score 7.2 2016 · score 7.3 2017 · score 7.4 2018 · score 7.4 2019 · score 8.3 2020 · score 9.9 2021 · score 9.6 2022 · score 8.8 2023 · score 8.3 2024 · score 8.5 2025 · score 8.3 2026 · score 8.2

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 5.7 Regional 5.7 State 7.3 Economic 5.1 Supply 7.5 Rent Control 7.6 Eviction 6.9 Tenant 8.7 Housing 6.6 8.2 HIGH
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    GOP margin +2.1% (2024)
    5.7
  2. Regional political climate
    County-weighted neighbor mix
    5.7
  3. State political climate
    New York legislature & governorship
    7.3
  4. Economic stress
    10.9% poverty · 2.8% unemp.
    5.1
  5. Supply constraint
    $1,071 average · 41.0% renters
    7.5
  6. Rent Control risk
    31.9% of income on rent
    7.6
  7. Eviction process difficulty
    427 days filing → judgment
    6.9
  8. Tenant organizing strength
    41.0% renters
    8.7
  9. Housing court bias
    County bench composition
    6.6
Geographic context

Risk heat across Champlain and the region

Click any city to see its score

How Champlain compares

Risk score vs. peers, county, state, and the U.S.
Rank in Clinton County
Moderate
#11 of 18 cities
Rank in county, 41st percentileLowHigh
#11 of 18 cities in Clinton County for landlord eviction risk.
Rank in New York
Elevated
#417 of 1,285 cities
Rank in state, 68th percentileLowHigh
#417 of 1,285 cities in New York for landlord eviction risk.
vs. county · state · U.S.
Champlain risk score vs. county / state / U.S.Champlain: 8.28.2ChamplainThis cityCounty: 8.38.3Countyavg in countyState: 9.19.1Stateavg in stateU.S.: 4.74.7U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 8.2
    / 10 · HIGH
    The verdict

    A High-tier market.

    Composite 8.2/10. High statutory friction with active tenant counsel, so assume defenses on every filing. The 50-year curve shows a sharp climb.

    50-yr trend+5.0 over 50 yr
    197620012026

    Steepening since 2010 · COVID inflection visible

  2. 427d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $1,071/mo. A contested eviction takes 427 days and costs $21,529–$37,369 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 41.0%
    Renters
    The renters

    Who you'll be renting to.

    Out of 1,270 residents, 41.0% rent. 32% are spending 30%+ income on rent, 10.9% below the poverty line.

    50-yr trendRenter share rising
    197620012026

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

  4. 5.7
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 5.7 and 5.7 (GOP margin +2.1% (2024)). State climate at 7.3, a tenant-leaning legislature.

    50-yr trendTracks county vote margin
    197620012026

    Built on 50-yr presidential margins back to 1976.

  5. 7.3
    State politics
    The process

    Long calendar, heavy friction.

    State political climate 7.3/10 sets the legislative ceiling for landlord remedies, and it shows up in the process. Eviction process difficulty reads 6.9, housing court bias 6.6, rent-control risk 7.6. The slow part is the calendar, not the motion practice.

    50-yr trendProcess difficulty +1.9 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 5.1
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 5.1. Supply constraint: 7.5. The numbers behind those: 10.9% poverty, 2.8% unemployment, 32% of income on rent.

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

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Champlain 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) New York, NY · 417d · ~$29.5k all-in ($71/day) · score 9.7 New York Buffalo, NY · 428d · ~$30.3k all-in ($71/day) · score 9.4 Buffalo Yonkers, NY · 381d · ~$27.5k all-in ($72/day) · score 9.9 Yonkers Rochester, NY · 430d · ~$32.0k all-in ($74/day) · score 9.1 Rochester Syracuse, NY · 383d · ~$30.9k all-in ($81/day) · score 8.7 Syracuse Albany, NY · 431d · ~$28.5k all-in ($66/day) · score 9.8 Albany New Rochelle, NY · 429d · ~$27.9k all-in ($65/day) · score 9.5 New Rochelle Cheektowaga, NY · 374d · ~$26.9k all-in ($72/day) · score 7.9 Cheektowaga Mount Vernon, NY · 398d · ~$29.6k all-in ($74/day) · score 9.5 Mount Vernon Schenectady, NY · 420d · ~$26.0k all-in ($62/day) · score 8.7 Schenectady 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 Seattle, WA · 162d · ~$12.7k all-in ($79/day) · score 7.9 Seattle Champlain
Champlain · 427d · ~$29.4k all-in ($69/day) · score 8.2 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 Champlain, NY

Landlording in Champlain, New York, presents a high-friction environment where attorney involvement on every filing is the norm. The Eviction Risk Score is 8.2/10 (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.

Champlain is a city of 1,270 residents where 41.0% of occupied units are renter-occupied, and the typical renter spends 31.9% of income on rent. At an average rent of $1,071/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 Champlain eviction process actually works

Eviction process difficulty here reads 6.9/10, 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 Champlain closes 427 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 Champlain'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 Champlain runs $21,529 to $37,369 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 427 days of typical timeline and $1,071/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 8.7/10 in Champlain, and the city carries meaningful rent control exposure (7.6/10). 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 New York, 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 Champlain: 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 York's statutory language. Fix those four, and most cases settle or default. Skip them, and a $37,369 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Champlain

Trap · PRACTICAL TRAP
Compare Champlain to neighboring cities in Clinton County via the grid below. The 6.7/10 score is computed from nine sub-factors plus a state-law multiplier under HSTPA 2019 + Good Cause 2024. Clinton County 2020 presidential margin: D+5.2. Cross-reference the state overview link in the guides section for New York statutory detail.
05FAQ

Frequently asked questions

Q1

Can I evict a tenant in Champlain for not having a written lease?

If there's no written lease, the tenancy is typically considered month-to-month. You can terminate a month-to-month tenancy by giving a 30-day notice. However, you still cannot "self-help" evict. If they don't leave after the notice, you must go through the formal court eviction process.

Q2

What if my tenant pays part of the rent after I've issued a 14-day notice?

If you accept a partial payment after issuing a 14-day pay-or-quit notice, you might unintentionally waive your right to evict based on that specific notice. It can be interpreted as creating a new tenancy or accepting a payment plan. It's generally safer to decline partial payments once the formal notice is served, or consult your attorney immediately before accepting anything.

Q3

Is "cash for keys" legal in New York?

Yes, "cash for keys" is legal in New York. It's a voluntary agreement where you offer a tenant money to vacate the property by a certain date and surrender possession peacefully. This can be a smart move in Champlain to avoid the lengthy and expensive eviction process, provided you have a clear, legally binding agreement drafted by an attorney.

Q4

Can I charge late fees in Champlain, NY?

Yes, New York law allows landlords to charge a late fee for rent paid more than five days after the due date. The late fee cannot exceed $50 or 5% of the monthly rent, whichever is less. Make sure this is clearly stated in your lease agreement.

Q5

What if my tenant damages the property beyond normal wear and tear?

You can deduct the cost of repairing damages beyond normal wear and tear from the security deposit. Remember the 14-day return deadline and the requirement to provide an itemized statement. If the damages exceed the security deposit, you would need to sue the tenant in small claims court or as part of the eviction proceeding, but collecting can be difficult.

Q6

How does source-of-income protection affect me in Champlain?

New York has statewide source-of-income protection. This means you cannot refuse to rent to someone solely because they use a housing voucher, Section 8, or other lawful forms of income. You must evaluate their application based on the same criteria you apply to all other applicants, focusing on factors like creditworthiness, rental history, and ability to pay rent, regardless of the source.

06Score

What this score means for landlords2

A 8.2/10 places Champlain in the 68th percentile of New York 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.