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Overton, Texas eviction risk overview
City brief · 2,444 residents

Overton, TX Eviction Risk: LOW

Smith County · Population 2,444

In 2026
Risk score
3.1
LOW

86th percentile, Texas.

50-yr Eviction Risk Score history

1976 to 2026 · climbing fast since 2010

Min1.6 Average2.9 Now3.1
10 5 1976 · score 2.0 1977 · score 2.0 1978 · score 2.0 1979 · score 2.0 1980 · score 1.7 1981 · score 1.8 1982 · score 1.8 1983 · score 1.7 1984 · score 1.6 1985 · score 1.7 1986 · score 1.7 1987 · score 1.7 1988 · score 1.9 1989 · score 1.9 1990 · score 2.0 1991 · score 2.0 1992 · score 2.2 1993 · score 2.2 1994 · score 2.3 1995 · score 2.3 1996 · score 2.3 1997 · score 2.3 1998 · score 2.4 1999 · score 2.4 2000 · score 2.8 2001 · score 2.9 2002 · score 3.0 2003 · score 3.0 2004 · score 3.0 2005 · score 3.0 2006 · score 3.1 2007 · score 3.1 2008 · score 3.4 2009 · score 3.4 2010 · score 3.5 2011 · score 3.6 2012 · score 3.4 2013 · score 3.5 2014 · score 3.6 2015 · score 3.6 2016 · score 3.8 2017 · score 4.0 2018 · score 4.1 2019 · score 4.2 2020 · score 4.7 2021 · score 4.7 2022 · score 4.7 2023 · score 4.7 2024 · score 3.9 2025 · score 4.8 2026 · score 3.1

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 3.8 Regional 3.8 State 1.5 Economic 6.7 Supply 5.7 Rent Control 2.5 Eviction 1.5 Tenant 7.2 Housing 4.3 3.1 LOW
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    GOP margin +45.1% (2024)
    3.8
  2. Regional political climate
    County-weighted neighbor mix
    3.8
  3. State political climate
    Texas legislature & governorship
    1.5
  4. Economic stress
    13.0% poverty · 5.9% unemp.
    6.7
  5. Supply constraint
    $783 average · 33.9% renters
    5.7
  6. Rent Control risk
    14.9% of income on rent
    2.5
  7. Eviction process difficulty
    23 days filing → judgment
    1.5
  8. Tenant organizing strength
    33.9% renters
    7.2
  9. Housing court bias
    County bench composition
    4.3
Geographic context

Risk heat across Overton and the region

Click any city to see its score

How Overton compares

Risk score vs. peers, county, state, and the U.S.
Rank in Smith County
Very High
#2 of 13 cities
Rank in county, 92nd percentileBottomTop
#2 of 13 cities in Smith County for landlord eviction risk.
Rank in Texas
High
#294 of 1,841 cities
Rank in state, 84th percentileBottomTop
#294 of 1,841 cities in Texas for landlord eviction risk.
vs. county · state · U.S.
Overton risk score vs. county / state / U.S.Overton: 3.13.1OvertonThis cityCounty: 2.02.0Countyavg in countyState: 2.72.7Stateavg in stateU.S.: 5.25.2U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 3.1
    / 10 · LOW
    The verdict

    A Low-tier market.

    Composite 3.1/10. Mid-range market; standard documentation usually wins. The 50-year curve shows a slow, steady climb.

    50-yr trend+1.1 over 50 yr
    197620012026

    Steady ratchet · no large swings

  2. 23d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $783/mo. A contested eviction takes 23 days and costs $925-$3,067 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 33.9%
    Renters
    The renters

    Who you'll be renting to.

    Out of 2,444 residents, 33.9% rent. 15% are spending 30%+ income on rent, 13.0% below the poverty line.

    50-yr trendRenter share rising
    197620012026

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

  4. 3.8
    Local + regional
    The politics

    Light-statute interior market.

    Local & regional political climate score 3.8 and 3.8 (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.

  5. 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 1.5, housing court bias 4.3, rent-control risk 2.5. Standard process speed for the state.

    50-yr trendProcess difficulty +-3.5 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 6.7
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 6.7. Supply constraint: 5.7. The numbers behind those: 13.0% poverty, 5.9% unemployment, 15% of income on rent.

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

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Overton 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 20d 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) Tyler, TX · 26d · ~$2.5k all-in ($95/day) · score 1.8 Tyler Longview, TX · 25d · ~$2.1k all-in ($84/day) · score 2.9 Longview Houston, TX · 24d · ~$2.5k all-in ($103/day) · score 2.7 Houston San Antonio, TX · 25d · ~$2.4k all-in ($94/day) · score 2.8 San Antonio Dallas, TX · 24d · ~$2.1k all-in ($89/day) · score 3.2 Dallas Austin, TX · 24d · ~$2.2k all-in ($92/day) · score 3.6 Austin Fort Worth, TX · 28d · ~$2.4k all-in ($86/day) · score 2.8 Fort Worth El Paso, TX · 24d · ~$2.3k all-in ($95/day) · score 2.5 El Paso Arlington, TX · 25d · ~$2.1k all-in ($83/day) · score 2.7 Arlington Corpus Christi, TX · 26d · ~$2.6k all-in ($98/day) · score 2.3 Corpus Christi Phoenix, AZ · 38d · ~$3.3k all-in ($86/day) · score 3.9 Phoenix Memphis, TN · 31d · ~$2.0k all-in ($66/day) · score 4.6 Memphis Atlanta, GA · 40d · ~$2.8k all-in ($69/day) · score 5.5 Atlanta Boston, MA · 187d · ~$20.3k all-in ($109/day) · score 6.8 Boston Chicago, IL · 109d · ~$9.0k all-in ($82/day) · score 6.3 Chicago New York, NY · 417d · ~$29.5k all-in ($71/day) · score 9.8 New York Seattle, WA · 162d · ~$12.7k all-in ($79/day) · score 6.2 Seattle Overton
Overton · 23d · ~$2.0k all-in ($87/day) · score 3.1 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 Overton, TX

Landlording in Overton, Texas, presents a manageable operating environment for documented landlords. The Eviction Risk Score is 3.1/10 (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.

Overton is a city of 2,444 residents where 33.9% of occupied units are renter-occupied, and the typical renter spends 14.9% of income on rent. At an average rent of $783/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 Overton eviction process actually works

Eviction process difficulty here reads 1.5/10, 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 Overton 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 Overton's timeline is usually the calendar, not the motion practice. Housing court bias scores 4.3/10 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 Overton runs $925 to $3,067 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 $783/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 7.2/10 in Overton, and the city has limited rent control exposure (2.5/10). 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 Overton: 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 Texas's statutory language. Fix those four, and most cases settle or default. Skip them, and a $3,067 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Overton

Trap · 2.5/10
Comparative benchmarking matters in markets like this. Overton's 4.8/10 is below the Texas state average. Rent-control-risk sub-score: 2.5/10. See the nearby cities grid below for direct A-vs-B comparison.
05FAQ

Frequently asked questions

Q1

What's the fastest way to get a non-paying tenant out in Overton?

The fastest legal way is to immediately issue a 3-day pay-or-quit notice as soon as rent is overdue and the grace period (if any) expires. If they don't comply, file for eviction in Justice Court without delay. Sometimes "cash for keys" can be even faster if the tenant agrees to move out voluntarily.

Q2

Can I evict a tenant in Overton without a reason?

If your tenant is on a month-to-month lease, yes, you can issue a 30-day notice to vacate without providing a specific "just cause." However, for fixed-term leases, you generally need a lease violation (like non-payment or property damage) to evict.

Q3

How much notice do I have to give for a rent increase in Overton?

Texas law doesn't specify a notice period for rent increases. However, if your tenant is on a month-to-month lease, you must give them at least one full rental period's notice (e.g., 30 days if rent is paid monthly) before the increase takes effect. For fixed-term leases, you can only increase rent at the lease renewal.

Q4

What happens if a tenant leaves belongings after an eviction?

In Texas, you must store the tenant's property for a reasonable period, usually 30 days. You should notify the tenant of the location of their belongings. After that period, if they haven't claimed them, you can dispose of or sell the property. Consult an attorney for specific guidance on this, as rules can be tricky.

Q5

Is rent control a risk for landlords in Overton?

No, Texas has a statewide ban on rent control. This means cities like Overton cannot implement rent control policies. Your rent-control-risk sub-score is very low at 2.5/10. For more details, see our Texas rent control rules guide.

06Score

What this score means for landlords2

A 3.1/10 places Overton in the 86th 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.