Estimated values: The U.S. Census suppresses field-level data for small places. Estimated from constituent census tracts, pop-weighted from real underlying ACS data.
Tenant beats landlord
8.5%
/ 100 outcomes
In court-decided eviction outcomes for Emerald Bay, TX, tenants prevail in roughly 8.5% of contested cases. A higher number means landlords face stronger tenant defenses, longer calendars, and more required documentation, and landlord-friendliness drops as this rises.
Timeline
23d
filing → judgment
From the moment an unlawful-detainer notice is filed in Emerald Bay, TX until a money judgment is entered, a contested eviction takes about 23 days on average. Longer timelines mean more lost rent and higher carry costs for landlords.
Cost range
$1.1-3.0k
legal + lost rent
A typical eviction in Emerald Bay, TX costs landlords $1,127 to $2,999 all-in, covering court filing fees, process-server costs, attorney time, and lost rent during the calendar between filing and possession.
Average rent
$877
100% stretched on rent
Average gross rent in Emerald Bay, TX is $877 per month per the U.S. Census American Community Survey (5-year 2023). 100% of renter households here spend more than 30% of pre-tax income on rent, the federal cost-burden threshold.
Renters
2.8%
of households
2.8% of occupied housing units in Emerald Bay, TX are renter-occupied (vs owner-occupied). A higher renter share usually correlates with more eviction filings, more turnover, and a more active rental market.
Poverty
1.8%
3.4% unemp.
1.8% of Emerald Bay, TX residents live below the federal poverty line, and unemployment runs at 3.4%. Both feed into the economic-stress sub-score in our Eviction Risk Score model because rent payment problems track poverty + joblessness more reliably than any other single signal.
Time machine
Scrub 50 years
197619861996200620162026
2026
● LIVE · today◀ REPLAY · historical
Nine-axis profile
9-axis profile · today
Shape of the risk surface
1 landlord · 10 tenant
Sub-scores · with sparkline
Where the score comes from
1 → 10 scale
Local political climate
GOP margin +45.1% (2024)
3.7
Regional political climate
County-weighted neighbor mix
3.7
State political climate
Texas legislature & governorship
1.5
Economic stress
1.8% poverty · 3.4% unemp.
3.6
Supply constraint
$877 average · 2.8% renters
1.0
Rent Control risk
100.0% of income on rent
1.0
Eviction process difficulty
23 days filing → judgment
1.1
Tenant organizing strength
2.8% renters
1.0
Housing court bias
County bench composition
1.0
Geographic context
Risk heat across Emerald Bay and the region
Click any city to see its score
How Emerald Bay compares
Risk score vs. peers, county, state, and the U.S.
Rank in Smith County
Very Low
#12of 13 cities
#12 of 13 cities in Smith County for landlord eviction risk.
Rank in Texas
Low
#1163of 1,841 cities
#1163 of 1,841 cities in Texas for landlord eviction risk.
vs. county · state · U.S.
Score story
Six-stop tour of the risk profile
1.9
/ 10 · VERY LOW
The verdict
A Very low-tier market.
Composite 1.9/10. Mid-range market; standard documentation usually wins. The 50-year curve shows a slow, steady climb.
50-yr trend+0.2 over 50 yr
197620012026
Steady ratchet · no large swings
23d
Typical timeline
The money
What renting (and evicting) looks like.
Rent published at $877/mo. A contested eviction takes 23 days and costs $1,127-$2,999 per case.
50-yr trendCalendar drag rising since '15
197620012026
Court-clerk data lands in the next release.
2.8%
Renters
The renters
Who you'll be renting to.
Out of 970 residents, 2.8% rent. 100% are spending 30%+ income on rent, 1.8% below the poverty line.
50-yr trendRenter share rising
197620012026
ACS 1970-present · once the migration overlay is in.
3.7
Local + regional
The politics
Light-statute interior market.
Local & regional political climate score 3.7 and 3.7 (GOP margin +45.1% (2024)). State climate at 1.5, a mid-range statehouse.
50-yr trendTracks county vote margin
197620012026
Built on 50-yr presidential margins back to 1976.
1.5
State politics
The process
Moderate calendar, moderate friction.
State political climate 1.5/10 sets the legislative ceiling for landlord remedies, and it shows up in the process. Eviction process difficulty reads 1.1, housing court bias 1, rent-control risk 1. Standard process speed for the state.
50-yr trendProcess difficulty +-3.9 since '00
197620012026
Court-clerk data lands in the next release.
3.6
Economic stress
The stress
Economic pressure is the background risk.
Economic stress: 3.6. Supply constraint: 1. The numbers behind those: 1.8% poverty, 3.4% unemployment, 100% of income on rent.
50-yr trendTwo visible dips · '08 + COVID
197620012026
Mirrors BLS unemployment series.
US eviction landscape · timeline × all-in cost
Emerald Bay sits in the quick & cheap quadrant
Bubble size = population · color = risk score
Emerald Bay · 23d · ~$2.1k all-in ($90/day) · score 1.9National average: 58d · $4.6k all-inHover any bubble for stats · click to openColor: 0-4 4-7 7-10
Landlording in Emerald Bay, Texas, presents a manageable operating environment for documented landlords. The Eviction Risk Score is 1.9/10 (VERY 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.
Emerald Bay is a city of 970 residents where 2.8% of occupied units are renter-occupied, and the typical renter spends 100.0% of income on rent. At an average rent of $877/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 Emerald Bay eviction process actually works
Eviction process difficulty here reads 1.1/10, 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 Emerald Bay closes 23 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 Emerald Bay's timeline is usually the calendar, not the motion practice. Housing court bias scores 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 Emerald Bay runs $1,127 to $2,999 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 23 days of typical timeline and $877/month in lost rent, that crossover happens fast here.
03Operations
Security deposits, screening, and lease terms
Tenant organizing strength scores 1/10 in Emerald Bay, and the city has limited rent control exposure (1/10). 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 Texas, 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 Emerald Bay: 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 VERY 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 Texas's statutory language. Fix those four, and most cases settle or default. Skip them, and a $2,999 all-in fight is the realistic worst case.
04bPractical traps
Local traps to avoid in Emerald Bay
Trap · TEXAS
For state-level context, see the Texas overview link in the guides section below. The score combines political climate, rent-to-income ratio, court bias, and tenant organizing strength under Property Code Chapter 24.
05FAQ
Frequently asked questions
Q1
What's the pay-or-quit notice period for Emerald Bay?
3 days. Texas law (Tex. Prop. Code § 91 & § 92 (Residential Tenancies)) sets a 3-day pay-or-quit notice before any unlawful-detainer filing. If the tenant pays in full inside the cure window, the notice is satisfied and the landlord cannot proceed on that delinquency.
Q2
How much can I charge for a security deposit in Emerald Bay?
Texas does not have a statutory cap; market practice and lease language govern. Confirm any local-ordinance limits before setting deposit policy.
Q3
Can I end a month-to-month tenancy in Emerald Bay without cause?
Not at the state level. Texas doesn't impose statewide just-cause. Some Texas cities and counties do, though, so check Emerald Bay's local ordinances before drafting a no-cause notice.
Q4
Can Emerald Bay landlords refuse Section 8?
Not at the state level. Texas doesn't have statewide source-of-income protection, though some cities and counties do. Verify Emerald Bay's local code before adopting any no-voucher policy.
Q5
What's the typical Emerald Bay eviction cost?
Typical all-in: $1,127 to $2,999, covering filing, service, attorney representation, sheriff or constable lockout, and lost rent during the case. Cash-for-keys at $1,000-$3,000 routinely outperforms full-process economics when the tenant will negotiate.
Q6
What's the timeline for a Emerald Bay eviction?
Uncontested cases run 21-30 days from notice service to physical lockout. Contested cases, usually involving habitability counterclaims, retaliation defenses, or notice-defect attacks, extend by 60-180 days.
Q7
What happens if I change the locks on a non-paying tenant?
No. Self-help eviction, changing locks, shutting off utilities, removing belongings, is illegal in Texas and every other state. Statutory damages typically run $1,000-$10,000 per incident plus the tenant's attorney fees. The fact that the tenant hasn't paid in months does not change this; you still go through court.
A 1.9/10 places Emerald Bay in the 38th percentile of Texas 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.
Cities with similar eviction risk to Emerald Bay (1.9/10)
Same risk band nationally · click any city for its full breakdown.
