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Canajoharie, New York eviction risk overview
City brief · 1,839 residents

Canajoharie, NY Eviction Risk: HIGH

Montgomery County · Population 1,839

In 2026
Risk score
7.9
HIGH

44th percentile, New York.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min2.7 Average5.2 Now7.9
9.7 2.7 1976 · score 2.9 1977 · score 2.9 1978 · score 2.8 1979 · score 2.8 1980 · score 2.8 1981 · score 2.8 1982 · score 2.9 1983 · score 2.9 1984 · score 2.8 1985 · score 2.8 1986 · score 2.8 1987 · score 2.7 1988 · score 3.0 1989 · score 3.1 1990 · score 3.2 1991 · score 3.4 1992 · score 4.0 1993 · score 4.0 1994 · score 4.0 1995 · score 4.0 1996 · score 4.6 1997 · score 4.7 1998 · score 4.7 1999 · score 4.8 2000 · score 5.2 2001 · score 5.4 2002 · score 5.5 2003 · score 5.6 2004 · score 5.6 2005 · score 5.5 2006 · score 5.5 2007 · score 5.5 2008 · score 5.8 2009 · score 6.0 2010 · score 6.2 2011 · score 6.2 2012 · score 6.7 2013 · score 6.7 2014 · score 6.8 2015 · score 6.8 2016 · score 6.9 2017 · score 7.0 2018 · score 7.0 2019 · score 7.9 2020 · score 9.7 2021 · score 9.2 2022 · score 8.3 2023 · score 8.0 2024 · score 8.3 2025 · score 8.0 2026 · score 7.9

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 4.5 Regional 4.5 State 7.3 Economic 6.1 Supply 5.6 Rent Control 8.9 Eviction 6.8 Tenant 6.5 Housing 7.8 7.9 HIGH
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    GOP margin +28.7% (2024)
    4.5
  2. Regional political climate
    County-weighted neighbor mix
    4.5
  3. State political climate
    New York legislature & governorship
    7.3
  4. Economic stress
    14.5% poverty · 3.8% unemp.
    6.1
  5. Supply constraint
    $870 average · 33.6% renters
    5.6
  6. Rent Control risk
    30.2% of income on rent
    8.9
  7. Eviction process difficulty
    370 days filing → judgment
    6.8
  8. Tenant organizing strength
    33.6% renters
    6.5
  9. Housing court bias
    County bench composition
    7.8
Geographic context

Risk heat across Canajoharie and the region

Click any city to see its score

How Canajoharie compares

Risk score vs. peers, county, state, and the U.S.
Rank in Montgomery County
Moderate
#7 of 12 cities
Rank in county, 46th percentileLowHigh
#7 of 12 cities in Montgomery County for landlord eviction risk.
Rank in New York
Moderate
#731 of 1,285 cities
Rank in state, 43rd percentileLowHigh
#731 of 1,285 cities in New York for landlord eviction risk.
vs. county · state · U.S.
Canajoharie risk score vs. county / state / U.S.Canajoharie: 7.97.9CanajoharieThis cityCounty: 8.28.2Countyavg in countyState: 9.19.1Stateavg in stateU.S.: 4.74.7U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 7.9
    / 10 · HIGH
    The verdict

    A High-tier market.

    Composite 7.9/10. 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. 370d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $870/mo. A contested eviction takes 370 days and costs $22,850–$39,102 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 33.6%
    Renters
    The renters

    Who you'll be renting to.

    Out of 1,839 residents, 33.6% rent. 30% are spending 30%+ income on rent, 14.5% below the poverty line.

    50-yr trendRenter share rising
    197620012026

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

  4. 4.5
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 4.5 and 4.5 (GOP margin +28.7% (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 6.8, housing court bias 7.8, rent-control risk 8.9. The slow part is the calendar, not the motion practice.

    50-yr trendProcess difficulty +1.8 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 6.1
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 6.1. Supply constraint: 5.6. The numbers behind those: 14.5% poverty, 3.8% unemployment, 30% of income on rent.

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

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Canajoharie 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) Albany, NY · 431d · ~$28.5k all-in ($66/day) · score 9.8 Albany Schenectady, NY · 420d · ~$26.0k all-in ($62/day) · score 8.7 Schenectady Utica, NY · 406d · ~$30.3k all-in ($75/day) · score 8.1 Utica Troy, NY · 426d · ~$27.0k all-in ($63/day) · score 8.5 Troy 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 New Rochelle, NY · 429d · ~$27.9k all-in ($65/day) · score 9.5 New Rochelle 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 Canajoharie
Canajoharie · 370d · ~$31.0k all-in ($84/day) · score 7.9 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 Canajoharie, NY

Landlording in Canajoharie, New York, presents a high-friction environment where attorney involvement on every filing is the norm. The Eviction Risk Score is 7.9/10 (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.

Canajoharie is a city of 1,839 residents where 33.6% of occupied units are renter-occupied, and the typical renter spends 30.2% of income on rent. At an average rent of $870/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 Canajoharie 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 Canajoharie closes 370 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 Canajoharie's timeline is usually the calendar, not the motion practice. Housing court bias scores 7.8/10 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 Canajoharie runs $22,850 to $39,102 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 370 days of typical timeline and $870/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 6.5/10 in Canajoharie, and the city sits at the top of the rent control risk spectrum (8.9/10). 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 Canajoharie: 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 $39,102 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Canajoharie

Trap · PRACTICAL TRAP
Cost-versus-timeline trade-off: at 370 days and roughly $39,102 on the high end, cash-for-keys at $15,640 to $23,461 typically beats the legal route for non-aggravated cases. Default judgment frequency is high under HSTPA 2019 + Good Cause 2024.
05FAQ

Frequently asked questions

Q1

What's the absolute earliest I can file for eviction in Canajoharie?

After your 14-day pay-or-quit notice expires and the tenant hasn't paid or moved out, you can file. So, if rent is due on the 1st and you serve notice on the 2nd, the notice expires on the 16th. You could technically file on the 17th. But practically, you'll need time to prepare documents and coordinate with an attorney.
Q2

Can I just change the locks if a tenant stops paying?

Absolutely not. Changing locks, shutting off utilities, or removing a tenant's belongings are illegal self-help evictions in New York. You could face significant penalties and even criminal charges. Always follow the legal eviction process through the courts.
Q3

How much notice do I need to give a tenant if I don't want to renew their lease?

For month-to-month tenants or if you're not renewing a lease, the notice period depends on how long the tenant has lived there. If they've been there for less than a year, it's 30 days. If 1-2 years, it's 60 days. If more than 2 years, it's 90 days. Always check current New York state laws, as these can change.
Q4

Is it worth offering cash for keys in Canajoharie?

Given the 370-day eviction timeline and the potential costs of $22,850, $39,102, offering cash for keys is often a financially sound decision. If you can get a tenant out in 30-60 days for a few thousand dollars, you're saving significant time, stress, and money compared to a year-long court battle.
Q5

Do I have to accept Section 8 tenants in Canajoharie?

Yes, New York has statewide source-of-income protection. This means you cannot refuse to rent to someone solely because they use a Section 8 voucher or other lawful income source. You must evaluate them based on the same criteria as any other applicant, such as credit history and rental references.
Q6

What if the tenant damages the property during the eviction process?

Document all damages with photos and videos. While you can deduct legitimate damages from the security deposit, remember the 14-day return deadline. If damages exceed the deposit and you win a judgment for unpaid rent and damages, collecting on that judgment can be another challenge. This is why thorough move-in inspections are crucial.
06Score

What this score means for landlords2

A 7.9/10 places Canajoharie in the 44th 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.