Squatter Laws In New York (2026): What Owners Must Know

Most people have no idea how complicated squatter laws are in New York. Seriously. Property owners think they can just kick someone out of their own home. Then they find out the legal system has other ideas. Let’s break down exactly what you need to know to protect your property.

New York has some of the strongest tenant protection laws in the country. That’s good news if you’re renting. It can be a nightmare if someone’s illegally living in your home. The difference between a squatter and a tenant matters more than you might think.

What Is Squatting?

Squatting means living in a property without permission. You’re not paying rent. The owner didn’t give you consent. But here’s where things get tricky. New York law doesn’t use the word “squatter” much anymore. Instead, it talks about illegal occupants and adverse possession claims.

Think of it like this: just because someone is living in your house doesn’t automatically mean you can remove them. In New York, squatters can actually gain legal rights to property after occupying it for a certain period of time. Yep, that’s real.

The Adverse Possession Rule

Okay, pause. This is important. In New York, a squatter can potentially gain ownership of your property through adverse possession. This happens after 10 years of continuous, uninterrupted occupancy. Not every state allows this. But New York does.

Here’s what that means for you as a property owner. If someone occupies your vacant land or property openly and continuously for a decade without your permission, they might claim ownership. The occupation has to be obvious and known. It can’t be sneaky.

The occupation must also be exclusive. The person can’t be sharing the space with the rightful owner. They have to act like they own the place. They pay property taxes on it. They make improvements. They basically take over.

Wondering if this applies to your situation? The key is continuous occupancy. If someone moves out for a period of time, the clock resets. They need to stay put for the entire 10 years without significant interruption.

Trespassing and Breaking In

Breaking into someone’s home is different from squatting. Trespassing in New York can get you arrested. It’s actually a crime. Breaking and entering is even more serious.

New York Penal Law Section 140 covers burglary. Breaking into a home or building with intent to commit a crime is a felony. You could face serious prison time. We’re talking years, not months.

Unlawful entry is covered under Penal Law Section 160. This is less serious than burglary but still a crime. You could face fines up to $250 and jail time up to 15 days for a first offense.

But here’s where things get confusing. Once someone is inside and has been there for a while, removing them becomes a housing issue, not a criminal one. That’s when you need different legal tools.

How Squatters Gain Occupancy Rights

This one’s probably the most important rule. Squatters in New York can gain legal occupancy rights in several ways. Some are obvious. Others sneak up on property owners.

The most common way is through overstaying a tenancy. Someone rents an apartment short-term. The lease ends. They just… stay. They don’t leave. They don’t pay rent. But because they were legal tenants once, removing them becomes complicated.

Another way involves family members or guests who overstay their welcome. You let your cousin stay temporarily. Three years later, they claim residency. New York courts might rule they have established occupancy rights.

Adverse possession is the scariest option. Someone takes over an abandoned property. They maintain it. They pay taxes on it. After 10 years, they can petition the court for ownership. The court might actually grant it.

Eviction Process for Property Owners

So you’ve discovered an illegal occupant in your home. What’s your next move? You can’t just change the locks. You can’t throw them out. You need a court order.

The legal process is called an eviction. It’s formal and it takes time. Honestly, this is where many property owners get frustrated. The process can take months. Sometimes it takes over a year.

First, you file a notice to vacate. This gives the occupant written notice that you want them to leave. In New York, you typically need to give them 30 days (or sometimes longer). They have to know they need to go.

If they don’t leave after the notice period, you file for eviction in housing court. You need an attorney for this. The occupant gets a chance to respond in court. They might claim they’re actually a tenant with rights.

The judge decides based on the evidence. Did this person have permission to be there originally? Are there any documents proving tenancy? How long have they occupied the space? These questions matter.

If the judge rules in your favor, you get an eviction order. Only then can law enforcement remove the person. You cannot remove them yourself. Police handle the physical removal.

The entire process, from notice to removal, can take 3 to 12 months. It’s expensive. Attorney fees add up. Court costs pile on. Many property owners feel blindsided by how long this takes.

Recent Changes to New York Law

Wait, it gets better. New York recently updated its housing laws. In 2024, the state made tenant protections even stronger. This affects how quickly you can evict someone.

Good cause eviction laws expanded. Property owners can only evict for specific, legal reasons. You can’t evict just because you want to. You need cause. Examples include nonpayment of rent or lease violations.

This means proving someone is a squatter isn’t enough in some cases. You have to show they violated the terms of occupancy or committed fraud in establishing residency.

The law also extended notice periods in some situations. You might need to give 90 days instead of 30 days. The timeline got longer, not shorter.

Protecting Your Property

Hold on, here’s what you actually need to do. Prevention is way easier than eviction. Protecting your property upfront saves you months of legal stress.

First, secure your property. Install good locks. Use security cameras. Board up windows if the space is vacant. Don’t make it easy for someone to move in.

Second, maintain your property visibly. If land looks abandoned, squatters target it. Keep the lawn mowed. Paint over graffiti quickly. Show the world someone cares about this space.

Third, visit your property regularly. Document conditions. Take photos and videos with dates. If someone is there, you have evidence of when they moved in.

Fourth, never let someone occupy your property without a written lease. Even if it’s informal or temporary, get it in writing. Define exactly what they’re allowed to do.

Fifth, stay current on property taxes. Squatters sometimes claim adverse possession by paying taxes for you. Keep your taxes paid so they can’t make this claim.

Sixth, post “No Trespassing” signs clearly. This creates a legal record that you don’t allow trespassers. It strengthens your case later.

Dealing with Problem Tenants

Confused about the difference between a squatter and a problem tenant? Let me break it down. A tenant has a written or implied lease. A squatter occupies without permission.

Most people think squatters are rare. Actually, problem tenants who overstay are way more common. Someone’s lease ends. They refuse to leave. Now you have months of eviction court ahead.

This is why clear documentation matters. Keep copies of all lease agreements. Document when they expire. Send written notice when you want them out.

If they won’t leave voluntarily after notice, you must go to court. You can’t remove them yourself, no matter how frustrating it gets.

Criminal vs. Civil

Here’s something important to understand. There’s a difference between criminal trespassing and civil eviction. New York treats them separately.

Criminal trespassing happens when someone enters property without permission with intent to trespass. This is a crime. Police can arrest them.

But once someone is inside and living there, it becomes civil. Even if they’re there illegally, police often won’t get involved. They say it’s a landlord-tenant issue.

This frustrates property owners. You want police to remove the person. Instead, you’re told to pursue civil eviction. The police won’t help because it’s not considered criminal anymore.

Squatters’ Actual Legal Rights

You’re not alone, this confuses a lot of people. Many squatters in New York actually gain real legal rights. It’s not just a technicality.

If someone occupies your property openly and continuously for 10 years, they can claim adverse possession. They file a claim in court. The judge decides based on evidence.

To win an adverse possession claim, they must prove:

The occupation was open and obvious. They didn’t hide. Neighbors knew someone lived there. The property owner should have noticed.

The occupation was continuous without interruption for the full 10 years. Moving out and coming back resets the clock.

The occupation was exclusive. They acted like the sole owner. They didn’t share with the rightful owner.

The occupation was hostile. This doesn’t mean violent. It means without permission. They occupied against the owner’s will.

The occupation involved paying property taxes on the property (in many cases). This shows commitment and ownership intent.

If they prove all this, a court might actually transfer ownership to them. Yes, you could lose your property. This is why the 10-year rule matters so much.

Special Circumstances

Residential properties have different protections than commercial or vacant land. Your home gets more legal protection. Vacant industrial land gets less.

Inherited properties are often targets for squatters. The heir doesn’t realize someone’s living in the family property. Years go by. Suddenly, adverse possession claims appear.

Properties in foreclosure are vulnerable too. Banks own the property but don’t monitor it. Squatters move in. By the time the bank notices, months have passed.

What Happens if You’re the Squatter

Honestly, this is worth knowing even if you’re tempted to squat. Living illegally in someone’s property can result in:

Criminal charges for breaking and entering. This is a felony. You could face prison time. Bail might be set high.

Eviction and homelessness. Even if you’re not charged criminally, you’ll lose the space. You’ll have an eviction record, making it harder to rent legitimately.

Liability for injuries or damages. You’re not insured. If someone gets hurt on the property, you could face a lawsuit.

How to Report an Illegal Occupant

If someone’s illegally occupying your property, you have options. First, contact your local police non-emergency number. Report trespassing.

Call the local building department. Report the occupancy. They can investigate and document it.

Contact a real estate attorney immediately. You need professional help. An attorney can advise on the best legal path forward.

Document everything. Take photos and videos. Keep a timeline of when you discovered the occupancy. Save any communications.

Frequently Asked Questions

Can I change the locks to remove a squatter? No. Changing locks is illegal in New York, even if they’re trespassing. You must go through the courts. Self-help eviction can result in criminal charges against you.

How long until a squatter gains ownership through adverse possession? In New York, it’s 10 years of continuous, uninterrupted occupancy. They must also pay property taxes and occupy openly and exclusively. Even then, you can challenge their claim in court.

What if the person claims to be a family member with permission to stay? This makes things harder. You need to prove they don’t have permission. Documentation helps here. Written notice that you’re revoking permission strengthens your case.

Can police remove a squatter immediately? Not usually. Police often say it’s a civil matter. You need to get an eviction order from housing court first. Then police will enforce it.

What if I’m a tenant and my landlord is a squatter? This is rare but possible. Your tenancy rights come from your lease. A squatter’s rights are different. Consult an attorney because this gets complicated fast.

How much does an eviction cost in New York? Court filing fees are around $300 to $500. Attorney fees typically run $1,000 to $5,000 or more. The longer it takes, the more expensive it gets. Some cases cost over $10,000.

Final Thoughts

Now you know the basics about New York squatter laws. The key takeaway? Protect your property actively. Don’t wait. Don’t assume removal will be quick or easy.

If someone’s already occupying your space illegally, get a lawyer immediately. The longer you wait, the stronger their claim becomes. Every month that passes makes your position weaker.

Stay informed, stay vigilant, and when in doubt, ask a lawyer. New York’s laws favor occupants more than many states. Knowing your rights helps you protect what’s yours.