What Is the Current Foreclosure Rate in the U.S.?
In April 2026, U.S. foreclosure activity declined from the prior month but remained higher than levels reported one year earlier, continuing a gradual normalization trend in the housing market.
- Total filings: 42,430 properties with default notices, scheduled auctions, or bank repossessions
- Monthly change: Down 8 percent from March 2026
- Year-over-year change: Up 18 percent from April 2025
- National rate: One in every 3,388 housing units had a foreclosure filing
- States with the worst foreclosure rates: Delaware, South Carolina, Florida, Indiana, Illinois
Foreclosure Starts and Completions
Starts: Lenders initiated foreclosure proceedings on 28,414 U.S. properties during April 2026, down 6 percent from March and up 12 percent above the level seen one year earlier.
Completions (REOs): Lenders repossessed 5,098 properties in April 2026, down 3 percent from the previous month but up 42 percent from April 2025.
What’s Driving April 2026 Foreclosure Trends?
Foreclosure activity in April 2026 continued to reflect a broader normalization trend following pandemic-era lows. While overall filings declined from the prior month, foreclosure activity remained above year-ago levels, suggesting lenders continue working through distressed inventory as higher borrowing costs and affordability challenges impact some homeowners. Strong homeowner equity, relatively tight underwriting standards, and continued housing demand continue to limit widespread foreclosure pressure.
Foreclosure Rates by State – April 2026
1. Delaware
1 in every 1,739 housing units (267 filings / 464,203 units)
Counties: Kent, New Castle, Sussex
2. South Carolina
1 in every 1,745 housing units (1,400 filings / 2,443,039 units)
Counties: Dorchester, Kershaw, Richland, Berkeley
3. Florida
1 in every 2,092 housing units (4,902 filings / 10,256,470 units)
Counties: Union, Lafayette, Taylor, Polk
4. Indiana
1 in every 2,129 housing units (1,398 filings / 2,976,568 units)
Counties: Clinton, Sullivan, Lake, Greene
5. Illinois
1 in every 2,262 housing units (2,413 filings / 5,457,452 units)
Counties: Pike, Saint Clair, Will, Montgomery
6. New Jersey
1 in every 2,345 housing units (1,617 filings / 3,791,354 units)
Counties: Salem, Cumberland, Gloucester, Camden
7. Nevada
1 in every 2,412 housing units (550 filings / 1,326,471 units)
Counties: Clark, Lyon, Lander, Churchill
8. North Carolina
1 in every 2,419 housing units (2,024 filings / 4,895,668 units)
Counties: Perquimans, Camden, Jones, Craven
9. Utah
1 in every 2,660 housing units (460 filings / 1,223,468 units)
Counties: Tooele, Daggett, Garfield, Box Elder
10. Idaho
1 in every 2,760 housing units (288 filings / 795,014 units)
Counties: Canyon, Caribou, Washington, Owyhee
11. Ohio
1 in every 2,977 housing units (1,778 filings / 5,292,391 units)
Counties: Marion, Highland, Logan, Stark
12. Georgia
1 in every 3,022 housing units (1,503 filings / 4,541,835 units)
Counties: Bibb, Rockdale, Douglas, Spalding
13. Alabama
1 in every 3,039 housing units (769 filings / 2,337,265 units)
Counties: Dale, Calhoun, Mobile, Montgomery
14. Texas
1 in every 3,197 housing units (3,794 filings / 12,128,515 units)
Counties: Terrell, Caldwell, Hunt, Bastrop
15. California
1 in every 3,314 housing units (4,419 filings / 14,644,735 units)
Counties: Lake, Madera, Kern, Shasta
16. Minnesota
1 in every 3,322 housing units (766 filings / 2,545,030 units)
Counties: Jackson, Wilkin, Dodge, Lac Qui Parle
17. Maryland
1 in every 3,334 housing units (768 filings / 2,560,784 units)
Counties: Baltimore City, Caroline, Charles, Allegany
18. Iowa
1 in every 3,490 housing units (412 filings / 1,437,699 units)
Counties: Jasper, Monroe, Appanoose, Boone
19. Pennsylvania
1 in every 3,558 housing units (1,632 filings / 5,806,452 units)
Counties: Delaware, Jefferson, Philadelphia, Allegheny
20. Montana
1 in every 3,670 housing units (144 filings / 528,419 units)
Counties: Prairie, Sheridan, Toole, Wheatland
21. Michigan
1 in every 3,677 housing units (1,257 filings / 4,622,236 units)
Counties: Jackson, Newaygo, Wayne, Lenawee
22. Wyoming
1 in every 3,695 housing units (75 filings / 277,141 units)
Counties: Carbon, Washakie, Niobrara, Goshen
23. Oklahoma
1 in every 3,809 housing units (466 filings / 1,775,127 units)
Counties: Cleveland, Canadian, Tulsa, MUSKOGEE
24. Colorado
1 in every 3,858 housing units (671 filings / 2,589,053 units)
Counties: Morgan, Clear Creek, Logan, Elbert
25. Arkansas
1 in every 4,201 housing units (332 filings / 1,394,673 units)
Counties: Cleveland, Arkansas, Jefferson, Grant
26. New York
1 in every 4,215 housing units (2,037 filings / 8,585,241 units)
Counties: Cortland, Orleans, Orange, Chemung
27. Louisiana
1 in every 4,403 housing units (479 filings / 2,108,902 units)
Counties: Livingston, Tangipahoa, West Baton Rouge, Calcasieu
28. Arizona
1 in every 4,542 housing units (703 filings / 3,192,839 units)
Counties: Pinal, Mohave, Cochise, Santa Cruz
29. Alaska
1 in every 4,568 housing units (70 filings / 319,781 units)
Counties: Anchorage, Kenai Peninsula, Sitka, Fairbanks North Star
30. New Mexico
1 in every 4,691 housing units (204 filings / 956,964 units)
Counties: Valencia, Chaves, Torrance, Eddy
31. Virginia
1 in every 4,823 housing units (764 filings / 3,684,756 units)
Counties: Colonial Heights City, Emporia City, Hopewell City, Petersburg City
32. Nebraska
1 in every 5,430 housing units (159 filings / 863,444 units)
Counties: Merrick, Thayer, Frontier, Keith
33. Maine
1 in every 5,448 housing units (138 filings / 751,876 units)
Counties: Aroostook, Piscataquis, Penobscot, Waldo
34. North Dakota
1 in every 5,716 housing units (66 filings / 377,281 units)
Counties: Sargent, Bottineau, Renville, Bowman
35. Missouri
1 in every 5,837 housing units (484 filings / 2,825,287 units)
Counties: Lawrence, Oregon, Monroe, Scott
36. Connecticut
1 in every 5,840 housing units (264 filings / 1,541,822 units)
Counties: South Central Connecticut, Naugatuck Valley, Northwest Hills, Greater Bridgeport
37. Kentucky
1 in every 6,075 housing units (333 filings / 2,023,116 units)
Counties: Jefferson, Boyd, Franklin, Grant
38. Oregon
1 in every 6,363 housing units (292 filings / 1,857,992 units)
Counties: Lake, Klamath, Jefferson, Josephine
39. South Dakota
1 in every 6,430 housing units (63 filings / 405,114 units)
Counties: Hyde, Brule, Aurora, Turner
40. Hawaii
1 in every 6,453 housing units (88 filings / 567,896 units)
Counties: Hawaii, Honolulu, Kauai, Maui
41. Massachusetts
1 in every 6,810 housing units (445 filings / 3,030,406 units)
Counties: Plymouth, Hampden, Bristol, Franklin
42. Wisconsin
1 in every 7,489 housing units (371 filings / 2,778,572 units)
Counties: Pepin, Sauk, Racine, Langlade
43. Washington
1 in every 7,637 housing units (433 filings / 3,306,620 units)
Counties: Cowlitz, Mason, Grays Harbor, Adams
44. Tennessee
1 in every 7,939 housing units (396 filings / 3,143,670 units)
Counties: Sequatchie, Haywood, Obion, Lake
45. New Hampshire
1 in every 8,646 housing units (75 filings / 648,472 units)
Counties: Coos, Carroll, Cheshire, Strafford
46. Mississippi
1 in every 8,823 housing units (152 filings / 1,341,114 units)
Counties: Issaquena, Covington, Washington, Marshall
47. West Virginia
1 in every 13,672 housing units (63 filings / 861,325 units)
Counties: Roane, Taylor, Fayette, Kanawha
48. Kansas
1 in every 15,042 housing units (86 filings / 1,293,635 units)
Counties: Hodgeman, Comanche, Harper, Dickinson
49. Rhode Island
1 in every 17,355 housing units (28 filings / 485,932 units)
Counties: Providence, Kent, Newport, Washington
50. Vermont
1 in every 21,190 housing units (16 filings / 339,042 units)
Counties: Rutland, Bennington, Orange, Washington
Key Insights from April 2026 Foreclosure Market Report
Foreclosure activity in April 2026 declined compared with the previous month but remained above year-ago levels, continuing the ongoing normalization trend. Foreclosure starts increased annually and completed foreclosures (REOs) posted another year-over-year rise. Despite the annual increases, overall foreclosure activity remains significantly below peak levels seen during the housing crisis.
Explore ATTOM’s Foreclosure Data
ATTOM’s Foreclosure Data tracks default notices, scheduled auctions, and bank repossessions nationwide, with historical trends and county-level insights. This data empowers lenders, investors, and market analysts to monitor loan default trends, assess market risks, and uncover investment opportunities.
