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Chestertown, New York eviction risk overview
City brief · 499 residents

Chestertown, NY Eviction Risk: HIGH

Warren County · Population 499

In 2026
Risk score
7.9
HIGH

44th percentile, New York.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min2.6 Average4.9 Now7.9
8.7 2.6 1976 · score 3.0 1977 · score 2.9 1978 · score 2.9 1979 · score 2.9 1980 · score 2.9 1981 · score 2.9 1982 · score 2.9 1983 · score 3.0 1984 · score 2.8 1985 · score 2.8 1986 · score 2.7 1987 · score 2.6 1988 · score 3.1 1989 · score 3.2 1990 · score 3.3 1991 · score 3.4 1992 · score 4.0 1993 · score 4.1 1994 · score 4.1 1995 · score 4.1 1996 · score 4.7 1997 · score 4.8 1998 · score 4.8 1999 · score 4.9 2000 · score 4.9 2001 · score 4.9 2002 · score 5.0 2003 · score 4.9 2004 · score 4.9 2005 · score 4.8 2006 · score 4.8 2007 · score 4.8 2008 · score 5.2 2009 · score 5.5 2010 · score 5.6 2011 · score 5.7 2012 · score 5.9 2013 · score 5.9 2014 · score 5.9 2015 · score 6.0 2016 · score 6.1 2017 · score 6.2 2018 · score 6.2 2019 · score 7.1 2020 · score 8.7 2021 · score 8.4 2022 · score 7.9 2023 · score 7.6 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 5.5 Regional 5.5 State 7.3 Economic 7.3 Supply 4.4 Rent Control 1.7 Eviction 6.8 Tenant 6.8 Housing 3.3 7.9 HIGH
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    GOP margin +4.2% (2024)
    5.5
  2. Regional political climate
    County-weighted neighbor mix
    5.5
  3. State political climate
    New York legislature & governorship
    7.3
  4. Economic stress
    9.3% poverty · 18.2% unemp.
    7.3
  5. Supply constraint
    $647 average · 35.6% renters
    4.4
  6. Rent Control risk
    12.1% of income on rent
    1.7
  7. Eviction process difficulty
    369 days filing → judgment
    6.8
  8. Tenant organizing strength
    35.6% renters
    6.8
  9. Housing court bias
    County bench composition
    3.3
Geographic context

Risk heat across Chestertown and the region

Click any city to see its score

How Chestertown compares

Risk score vs. peers, county, state, and the U.S.
Rank in Warren County
Elevated
#4 of 10 cities
Rank in county, 67th percentileLowHigh
#4 of 10 cities in Warren County for landlord eviction risk.
Rank in New York
Moderate
#733 of 1,285 cities
Rank in state, 43rd percentileLowHigh
#733 of 1,285 cities in New York for landlord eviction risk.
vs. county · state · U.S.
Chestertown risk score vs. county / state / U.S.Chestertown: 7.97.9ChestertownThis cityCounty: 7.97.9Countyavg 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+4.9 over 50 yr
    197620012026

    Steepening since 2010 · COVID inflection visible

  2. 369d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $647/mo. A contested eviction takes 369 days and costs $20,644–$36,450 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 35.6%
    Renters
    The renters

    Who you'll be renting to.

    Out of 499 residents, 35.6% rent. 12% are spending 30%+ income on rent, 9.3% below the poverty line.

    50-yr trendRenter share rising
    197620012026

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

  4. 5.5
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 5.5 and 5.5 (GOP margin +4.2% (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 3.3, rent-control risk 1.7. 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. 7.3
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 7.3. Supply constraint: 4.4. The numbers behind those: 9.3% poverty, 18.2% unemployment, 12% of income on rent.

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

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Chestertown 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 Chestertown
Chestertown · 369d · ~$28.5k all-in ($77/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 Chestertown, NY

Landlording in Chestertown, 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.

Chestertown is a city of 499 residents where 35.6% of occupied units are renter-occupied, and the typical renter spends 12.1% of income on rent. At an average rent of $647/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 Chestertown 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 Chestertown closes 369 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 Chestertown's timeline is usually the calendar, not the motion practice. Housing court bias scores 3.3/10 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 Chestertown runs $20,644 to $36,450 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 369 days of typical timeline and $647/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 6.8/10 in Chestertown, and the city has limited rent control exposure (1.7/10). 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 Chestertown: 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 $36,450 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Chestertown

Trap · 9.3%
Local poverty rate is 9.3%, and the rent-burden distribution skews the eviction-filings curve toward moderate volume in Warren County. Rent-control-risk sub-score: 1.7/10. Tenant organizing is most active in the rental concentration corridors.
05FAQ

Frequently asked questions

Q1

What if my tenant claims a maintenance issue for not paying rent?

In New York, tenants have a right to a habitable living space. If they claim a legitimate repair issue is why they withheld rent, a judge might allow them to pay the rent into court or dismiss your case. Address all repair requests promptly and in writing. Keep detailed records of all communication and repairs made. This prevents them from using it as a defense.
Q2

Can I increase rent in Chestertown? Are there rent control rules?

There are no statewide rent control laws in New York that apply to Chestertown. However, some localities in New York City and surrounding areas do have rent control or rent stabilization. For Chestertown, you can generally raise rent at the end of a lease term, but you must provide proper notice: 30 days for tenants with less than one year of occupancy, 60 days for 1-2 years, and 90 days for over two years. Always check our New York rent control rules for updates.
Q3

How do I handle a tenant with a Section 8 voucher in Chestertown?

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 rental assistance. You must treat them like any other applicant and apply your standard screening criteria. If they meet your criteria (credit, background, etc.), you cannot deny them based on their income source.
Q4

What's the biggest mistake a Chestertown landlord makes in an eviction?

The biggest mistake is usually not following the notice requirements precisely or attempting a self-help eviction. Any procedural error, no matter how small, can cause significant delays or even lead to your case being dismissed, forcing you to start all over again. This is why involving an attorney early is crucial in New York. For broader context, see our New York eviction risk overview.
Q5

Should I offer a lease renewal or go month-to-month after the first year?

For your protection in New York, a year-long lease is generally preferable. It provides stability and clear terms. If you switch to month-to-month, the tenant can terminate with 30-day notice (or more, depending on tenancy length), and you also have longer notice requirements if you want them to leave. A new lease gives both parties clear expectations. For more local guidance, explore our Warren County eviction guide.
06Score

What this score means for landlords2

A 7.9/10 places Chestertown 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.