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Spencerville, Ohio eviction risk overview
City brief · 2,107 residents

Spencerville, OH Eviction Risk: LOW

Allen County · Population 2,107

In 2026
Risk score
2.8
LOW

90th percentile, Ohio.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min1.7 Average2.5 Now2.8
3.8 1.7 1976 · score 2.3 1977 · score 2.2 1978 · score 2.2 1979 · score 2.2 1980 · score 2.4 1981 · score 2.4 1982 · score 2.4 1983 · score 2.3 1984 · score 2.2 1985 · score 2.2 1986 · score 2.1 1987 · score 2.1 1988 · score 2.0 1989 · score 1.7 1990 · score 1.7 1991 · score 1.8 1992 · score 2.2 1993 · score 2.2 1994 · score 2.2 1995 · score 2.2 1996 · score 2.4 1997 · score 2.4 1998 · score 2.4 1999 · score 2.4 2000 · score 2.4 2001 · score 2.4 2002 · score 2.4 2003 · score 2.4 2004 · score 2.4 2005 · score 2.4 2006 · score 2.4 2007 · score 2.4 2008 · score 2.8 2009 · score 3.0 2010 · score 3.0 2011 · score 3.0 2012 · score 2.8 2013 · score 2.9 2014 · score 2.8 2015 · score 2.8 2016 · score 2.8 2017 · score 2.7 2018 · score 2.6 2019 · score 2.6 2020 · score 3.7 2021 · score 3.8 2022 · score 2.9 2023 · score 2.5 2024 · score 2.8 2025 · score 2.8 2026 · score 2.8

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 2.7 Regional 2.7 State 2.4 Economic 8.1 Supply 5.9 Rent Control 6.8 Eviction 2.1 Tenant 7.6 Housing 7.1 2.8 LOW
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    GOP margin +44.1% (2024)
    2.7
  2. Regional political climate
    County-weighted neighbor mix
    2.7
  3. State political climate
    Ohio legislature & governorship
    2.4
  4. Economic stress
    17.4% poverty · 10.0% unemp.
    8.1
  5. Supply constraint
    $932 average · 33.1% renters
    5.9
  6. Rent Control risk
    29.4% of income on rent
    6.8
  7. Eviction process difficulty
    45 days filing → judgment
    2.1
  8. Tenant organizing strength
    33.1% renters
    7.6
  9. Housing court bias
    County bench composition
    7.1
Geographic context

Risk heat across Spencerville and the region

Click any city to see its score

How Spencerville compares

Risk score vs. peers, county, state, and the U.S.
Rank in Allen County
Very High
#2 of 13 cities
Rank in county, 92nd percentileLowHigh
#2 of 13 cities in Allen County for landlord eviction risk.
Rank in Ohio
High
#192 of 1,251 cities
Rank in state, 85th percentileLowHigh
#192 of 1,251 cities in Ohio for landlord eviction risk.
vs. county · state · U.S.
Spencerville risk score vs. county / state / U.S.Spencerville: 2.82.8SpencervilleThis cityCounty: 2.62.6Countyavg in countyState: 2.82.8Stateavg in stateU.S.: 4.74.7U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 2.8
    / 10 · LOW
    The verdict

    A Low-tier market.

    Composite 2.8/10. Mid-range market; standard documentation usually wins. The 50-year curve shows a slow, steady climb.

    50-yr trend+0.5 over 50 yr
    197620012026

    Steady ratchet · no large swings

  2. 45d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $932/mo. A contested eviction takes 45 days and costs $1,529–$3,528 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 33.1%
    Renters
    The renters

    Who you'll be renting to.

    Out of 2,107 residents, 33.1% rent. 29% are spending 30%+ income on rent, 17.4% below the poverty line.

    50-yr trendRenter share rising
    197620012026

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

  4. 2.7
    Local + regional
    The politics

    Light-statute interior market.

    Local & regional political climate score 2.7 and 2.7 (GOP margin +44.1% (2024)). State climate at 2.4, a mid-range statehouse.

    50-yr trendTracks county vote margin
    197620012026

    Built on 50-yr presidential margins back to 1976.

  5. 2.4
    State politics
    The process

    Moderate calendar, moderate friction.

    State political climate 2.4/10 sets the legislative ceiling for landlord remedies, and it shows up in the process. Eviction process difficulty reads 2.1, housing court bias 7.1, rent-control risk 6.8. Standard process speed for the state.

    50-yr trendProcess difficulty +-2.9 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 8.1
    Economic stress
    The stress

    Economic pressure is the real risk.

    Economic stress: 8.1. Supply constraint: 5.9. The numbers behind those: 17.4% poverty, 10.0% unemployment, 29% of income on rent.

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

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Spencerville sits in the quick & cheap 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) Columbus, OH · 38d · ~$2.7k all-in ($72/day) · score 3.1 Columbus Cleveland, OH · 39d · ~$3.1k all-in ($80/day) · score 3.7 Cleveland Cincinnati, OH · 37d · ~$2.8k all-in ($75/day) · score 3.4 Cincinnati Toledo, OH · 45d · ~$3.0k all-in ($67/day) · score 3.3 Toledo Akron, OH · 43d · ~$2.8k all-in ($66/day) · score 3.4 Akron Dayton, OH · 38d · ~$2.6k all-in ($67/day) · score 3.4 Dayton Parma, OH · 42d · ~$2.9k all-in ($70/day) · score 2.8 Parma Canton, OH · 45d · ~$2.9k all-in ($65/day) · score 2.8 Canton Lorain, OH · 45d · ~$2.8k all-in ($62/day) · score 2.9 Lorain Hamilton, OH · 45d · ~$2.9k all-in ($65/day) · score 2.8 Hamilton 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 New York, NY · 417d · ~$29.5k all-in ($71/day) · score 9.7 New York Seattle, WA · 162d · ~$12.7k all-in ($79/day) · score 7.9 Seattle Spencerville
Spencerville · 45d · ~$2.5k all-in ($56/day) · score 2.8 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 Spencerville, OH

Landlording in Spencerville, Ohio, presents a manageable operating environment for documented landlords. The Eviction Risk Score is 2.8/10 (LOW 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 Mid-tier market where lease drafting, screening discipline, and well-documented notices materially change outcomes.

Spencerville is a city of 2,107 residents where 33.1% of occupied units are renter-occupied, and the typical renter spends 29.4% of income on rent. At an average rent of $932/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 Spencerville eviction process actually works

Eviction process difficulty here reads 2.1/10, 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 Spencerville closes 45 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 Spencerville's timeline is usually the calendar, not the motion practice. Housing court bias scores 7.1/10 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 Spencerville runs $1,529 to $3,528 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 45 days of typical timeline and $932/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 7.6/10 in Spencerville, and the city carries meaningful rent control exposure (6.8/10). 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 Ohio, 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 Spencerville: 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 LOW 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 Ohio's statutory language. Fix those four, and most cases settle or default. Skip them, and a $3,528 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Spencerville

Trap · PRACTICAL TRAP
Cost-versus-timeline trade-off: at 45 days and roughly $3,528 on the high end, cash-for-keys at $1,411 to $2,116 typically beats the legal route for non-aggravated cases. Default judgment frequency is high under ORC 1923 + 5321.
05FAQ

Frequently asked questions

Q1

Is Spencerville a landlord-friendly city?

Spencerville, with an eviction risk score of 4.5/10, is moderately landlord-friendly. While the eviction process itself is not overly difficult (sub-score 2.1), factors like economic stress (8.1) and tenant organizing strength (7.6) contribute to a higher overall risk profile. Ohio law generally favors landlords more than some other states, but you still need to follow procedures strictly.

Q2

Can I evict a tenant in Spencerville without a reason?

No, you cannot evict a tenant without a legal reason (just cause) if they have a lease. For month-to-month tenants, you can terminate their tenancy without cause by providing a proper 30-day notice. However, if they don't move out after that notice, you still need to file a Forcible Entry and Detainer action in court to legally remove them. There is no statewide just-cause requirement in Ohio, but you still need a valid basis for a formal eviction filing.

Q3

How long does it take to get a tenant out in Spencerville?

The typical eviction timeline in Spencerville, OH, is approximately 45 days from the time you serve the initial 3-day notice to the final lockout by the sheriff. This is an average and can vary depending on court schedules, tenant actions, and whether you follow all legal steps correctly. Delays in serving notices or filing paperwork will extend this timeline.

Q4

What's the biggest mistake landlords make during eviction in Ohio?

The biggest mistake is usually procedural errors. This includes improper service of notices, miscalculating notice periods, or attempting "self-help" evictions like changing locks or turning off utilities. Any of these can lead to your case being dismissed, forcing you to start over, costing more time and money, and potentially facing counterclaims from the tenant. Always follow ORC § 5321 to the letter.

Q5

Are there rent control laws in Spencerville, OH?

No, there are no rent control laws in Spencerville, or anywhere else in Ohio. Ohio has a statewide preemption against rent control, meaning local municipalities cannot enact their own rent control ordinances. This gives landlords flexibility in setting and adjusting rents. You can learn more about this in our Ohio rent control rules guide.

Q6

Does Ohio have "tenant protection" laws that make evictions harder?

Ohio has tenant protection laws, like the requirement for landlords to maintain habitable premises and return security deposits promptly. While these don't necessarily make evictions "harder" for legitimate reasons, they ensure tenants have rights that must be respected. Ignoring these can lead to tenant defenses or counterclaims in an eviction case. See our Ohio tenant protections page for details.

06Score

What this score means for landlords2

A 2.8/10 places Spencerville in the 90th percentile of Ohio 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 climbed steadily 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.