Eviction Risk Calculator

Eviction Risk Calculator: The Tool That Can Tell You How Close You Are to Losing Your Home

For millions of renters, eviction doesn’t start with a knock on the door. It starts quietly — a missed payment, a warning text, a notice taped to the wall. By the time people realize how serious the situation is, the clock is already ticking.

That’s why the Eviction Risk Calculator exists.

This calculator is designed to help renters understand their eviction risk before it becomes a crisis. By analyzing rent status, legal notices, income stability, landlord behavior, state protections, and personal circumstances, it delivers a clear, easy-to-understand eviction risk score — along with practical steps you can take right now.

If you’ve ever wondered “Am I really at risk?” or “How urgent is my situation?”, this calculator gives you answers in minutes.

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What Is an Eviction Risk Calculator?

An Eviction Risk Calculator is an interactive tool that estimates how likely a renter is to face eviction based on real-world legal, financial, and housing factors.

Eviction risk isn’t determined by one thing alone. It’s influenced by a combination of:

• How far behind you are on rent
• Whether you’ve received formal legal notices
• The strength of your lease
• Your income and savings
• Your relationship with your landlord
• Your state’s tenant protection laws
• Whether you qualify for legal or housing protections

This calculator brings all of those pieces together into a single risk score out of 100, clearly labeled as Low, Moderate, High, or Critical Risk.

Instead of guessing, panicking, or waiting for court papers, renters can see where they stand — and what to do next.

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Why Understanding Eviction Risk Matters

Eviction is not just a housing issue. It’s a financial, legal, and emotional shock that can follow someone for years.

A single eviction filing can:

• Appear on tenant screening reports
• Make future housing harder to secure
• Disrupt jobs, school, and childcare
• Lead to homelessness or forced moves

The most important truth about eviction is this:

Early action dramatically increases your chances of staying housed.

But early action is impossible without understanding your risk. This calculator exists to create clarity before things spiral.

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How the Eviction Risk Calculator Works

The calculator uses a weighted scoring system that reflects how eviction cases typically unfold in real life.

Some factors increase risk. Others reduce it. Protective factors can offset danger — but only to a point.

Here’s what the calculator evaluates behind the scenes:

1. Rent Payment Status (Major Risk Factor)

Your current rent status carries the most weight.

• Fully current on rent = little to no risk
• Partial payment or one month behind = moderate risk
• Two or more months behind = high risk

The calculator also considers how much you owe compared to your monthly rent, which helps assess how difficult it may be to catch up.

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2. Legal Notices Received

Not all warnings are equal.

The calculator distinguishes between:

• No notice
• Informal warnings (texts or verbal threats)
• Pay-or-quit notices
• Unconditional quit notices
• Court summons

Receiving a court summons dramatically increases your risk score, because at that point deadlines are legally enforceable and missing one can mean automatic eviction.

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3. Lease and Legal Standing

Your lease status matters more than many renters realize.

The calculator evaluates whether you have:

• An active lease
• A lease that’s expiring soon
• A month-to-month agreement
• An expired lease
• No written lease at all

The less formal protection you have, the higher your risk score becomes.

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4. Financial Stability

Evictions often follow income shocks.

The calculator factors in:

• Monthly household income
• Whether income is stable, reduced, or lost
• Emergency savings availability

Someone with stable income and savings may score far lower risk than someone with no income and no financial cushion — even if both are behind on rent.

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5. Rental Assistance Status

Applying for rental assistance can significantly reduce eviction risk.

The calculator recognizes:

• Assistance already received
• Approved but pending payments
• Applications under review

These factors lower your risk score because many courts and landlords pause or delay eviction when assistance is in progress.

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6. Landlord Relationship & Lease Violations

Not all landlords behave the same way.

The calculator accounts for:

• Cooperative landlords
• Neutral relationships
• Strained or hostile interactions
• Additional lease violations beyond nonpayment

Hostile communication and serious violations increase risk quickly.

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7. State & Housing Protections

Where you live matters.

The calculator uses state-level data to account for:

• Required notice periods
• Typical eviction timelines
• Tenant protection strength
• Rent control or subsidized housing rules

Renters in states with strong protections often have more time and leverage than those in low-protection states.

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8. Protective Factors That Reduce Risk

Some renters qualify for additional protections.

The calculator lowers risk if you indicate:

• Children in the household
• Elderly residents
• Disabilities
• Veteran status
• Domestic violence survivor protections
• Legal representation

These factors don’t eliminate risk — but they can buy time and improve outcomes.

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How to Use the Eviction Risk Calculator (Step by Step)

Using the calculator is straightforward and takes about 3–5 minutes.

Step 1: Enter Your Rent Payment Details

Start by selecting your current rent status and entering:

• Total amount owed
• Monthly rent
• Payment history over the last year

Accuracy matters here — use real numbers if possible.

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Step 2: Provide Lease & Legal Information

Next, choose:

• Your lease status
• Any notices you’ve received
• Your state
• Your housing type (market-rate, rent-controlled, Section 8, etc.)

This helps the calculator tailor timelines and protections to your location.

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Step 3: Add Financial Information

Enter your:

• Monthly household income
• Income stability
• Emergency savings level
• Rental assistance status

These inputs help determine how resilient your situation is.

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Step 4: Describe Landlord Relations & Other Factors

Select how communication with your landlord has been and note any other lease violations.

Then check any protective factors that apply to you.

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Step 5: Click “Calculate Eviction Risk”

Once you click the button, the calculator instantly generates your results.

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Understanding Your Results

The results section is designed to be visual, clear, and actionable.

Eviction Risk Score & Level

You’ll see:

• A risk score from 0–100
• A color-coded label: Low, Moderate, High, or Critical Risk
• A plain-language explanation of what that level means

This tells you how urgent your situation is right now.

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Risk Factor Breakdown

Charts and tables show exactly:

• Which factors increased your risk
• Which protections reduced it
• Where your biggest vulnerabilities are

This transparency helps you understand why you received your score.

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Timeline Estimate

Based on your state and notice status, the calculator estimates how quickly eviction could progress — from missed payment to lockout.

This is often the most eye-opening part for users.

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Recommended Immediate Actions

Finally, the calculator provides a prioritized list of next steps, such as:

• Applying for rental assistance
• Responding to court papers
• Contacting legal aid
• Communicating strategically with your landlord

These recommendations change based on your risk level.

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Final Thoughts: Information Is Protection

Eviction thrives on confusion, fear, and delay.

The Eviction Risk Calculator gives renters something powerful: clarity. It turns a stressful, uncertain situation into concrete information — and information leads to action.

If you’re worried about your housing, don’t wait for things to get worse. Use the calculator, understand your risk, and take control while options still exist.

Because when it comes to eviction, knowing where you stand can change everything.