Question:
When are the unsaved judged?

Answer:
They will be judged at the end of time when eternity has begun. The apostle John said “I saw a great white throne, and Him that sat on it, from whose face the earth and the heaven fled away; and there was found no place for them” when they will be assigned their punishment in the Lake of Fire for all eternity (Revelation 20:11-15) according to their works (Luke 12:47, 48).

The Lord warns of the horrible torment that will be the portion of all those in the Lake of Fire, where there will be weeping, wailing, and gnashing of teeth forever (Matthew 13:50, 24:51, etc), “to whom is reserved the blackness of darkness forever” (Jude 13).
The saved will not come into judgment (John 5:24), for Christ bore the punishment for them (1 Peter 3:18), but their works will be judged, when Christ takes them home at the rapture, so He can reward them (Revelation 22:12, 1 Corinthians 3:11-15).