What Is the Current Foreclosure Rate in the U.S.?
In January, 2026, U.S. foreclosure activity decreased from the prior month but remained above levels reported one year earlier.
- Total filings: 40,534 properties with default notices, scheduled auctions, or bank repossessions
- Monthly change: Down 10 percent from December 2025
- Year-over-year change: Up 32 percent from January 2025
- National rate: One in every 3,547 housing units had a foreclosure filing
- States with the worst foreclosure rates: Delaware, Nevada, Florida South Carolina, and Maryland
Foreclosure Starts and Completions
- Starts: Lenders initiated foreclosure proceedings on 26,369 U.S. properties during January 2026, down 7% from December 2025 but 26% above the level seen one year ago.
- Completions (REOs): Lenders repossessed 4,714 properties, down 21 percent from the previous month but up 59 percent from a year ago.
What’s Driving January 2026 Foreclosure Trends?
Foreclosure activity in January 2026 continued to trend higher on a year-over-year basis, marking the eleventh consecutive month of annual increases and signaling a gradual normalization of foreclosure activity nationwide.
Foreclosure Rates by State – January 2026
Below is the complete state-by-state foreclosure ranking for January 2026 and the top 4 counties with the worst foreclosure rates per state.
1. Delaware
1 in every 1,612 housing units (288 filings / 464,203 units)
Counties: Kent, New Castle, Sussex
2. Nevada
1 in every 1,983 housing units (669 filings / 1,326,471 units)
Counties: Lyon, Churchill, Clark, Elko
3. Florida
1 in every 2,067 housing units (4,962 filings / 10,256,470 units)
Counties: Wakulla, Osceola, Charlotte, Hendry
4. South Carolina
1 in every 2,351 housing units (1,039 filings / 2,443,039 units)
Counties: Kershaw, Chester, Richland, Dorchester
5. Maryland
1 in every 2,430 housing units (1,054 filings / 2,560,784 units)
Counties: Baltimore City, Caroline, Charles, Dorchester
6. Illinois
1 in every 2,494 housing units (2,188 filings / 5,457,452 units)
Counties: Dewitt, Macoupin, Mason, Jasper
7. Indiana
1 in every 2,568 housing units (1,159 filings / 2,976,568 units)
Counties: Jennings, Union, Lake, Tipton
8. New Jersey
1 in every 2,780 housing units (1,364 filings / 3,791,354 units)
Counties: Salem, Mercer, Cumberland, Atlantic
9. Utah
1 in every 2,886 housing units (424 filings / 1,223,468 units)
Counties: Tooele, Millard, Box Elder, Sanpete
10. Arizona
1 in every 3,058 housing units (1,044 filings / 3,192,839 units)
Counties: Pinal, Cochise, Gila, Mohave
11. California
1 in every 3,085 housing units (4,747 filings / 14,644,735 units)
Counties: Lake, Mendocino, Solano, Kern
12. Ohio
1 in every 3,099 housing units (1,708 filings / 5,292,391 units)
Counties: Huron, Jefferson, Fayette, Summit
13. Georgia
1 in every 3,158 housing units (1,438 filings / 4,541,835 units)
Counties: Troup, Crawford, Butts, Henry
14. Texas
1 in every 3,288 housing units (3,689 filings / 12,128,515 units)
Counties: Liberty, Cooke, Caldwell, Carson
15. Colorado
1 in every 3,556 housing units (728 filings / 2,589,053 units)
Counties: Huerfano, Teller, Park, Weld
16. Idaho
1 in every 3,565 housing units (223 filings / 795,014 units)
Counties: Payette, Camas, Lewis, Washington
17. Iowa
1 in every 3,686 housing units (390 filings / 1,437,699 units)
Counties: Lucas, Worth, Harrison, Boone
18. Wyoming
1 in every 3,695 housing units (75 filings / 277,141 units)
Counties: Crook, Campbell, Fremont, Laramie
19. North Carolina
1 in every 3,810 housing units (1,285 filings / 4,895,668 units)
Counties: Cumberland, Martin, Gaston, Caldwell
20. Arkansas
1 in every 3,962 housing units (352 filings / 1,394,673 units)
Counties: Grant, Jackson, Dallas, Hot Spring
21. New York
1 in every 4,025 housing units (2,133 filings / 8,585,241 units)
Counties: Chemung, Orange, Rockland, Livingston
23. Alabama
1 in every 4,108 housing units (569 filings / 2,337,265 units)
Counties: Coffee, Coosa, Greene, Elmore
23. Pennsylvania
1 in every 4,260 housing units (1,363 filings / 5,806,452 units)
Counties: Philadelphia, Monroe, Clinton, Blair
24. Connecticut
1 in every 4,355 housing units (354 filings / 1,541,822 units)
Counties: South Central Connecticut, Greater Bridgeport, Northwest Hills, Naugatuck Valley
25. Louisiana
1 in every 4,412 housing units (478 filings / 2,108,902 units)
Counties: Livingston, West Baton Rouge, Iberville, East Feliciana
26. New Mexico
1 in every 4,623 housing units (207 filings / 956,964 units)
Counties: Chaves, Valencia, Socorro, Eddy
27. Missouri
1 in every 4,670 housing units (605 filings / 2,825,287 units)
Counties: Saint Francois, Putnam, Maries, Sullivan
28. Maine
1 in every 4,882 housing units (154 filings / 751,876 units)
Counties: Somerset, Androscoggin, Oxford, Waldo
29. Virginia
1 in every 4,900 housing units (752 filings / 3,684,756 units)
Counties: Craig, Emporia City, Martinsville City, Galax City
30. Alaska
1 in every 5,242 housing units (61 filings / 319,781 units)
Counties: Skagway, Aleutians East, Ketchikan Gateway, North Slope
31. Michigan
1 in every 5,307 housing units (871 filings / 4,622,236 units)
Counties: Gogebic, Ontonagon, Alpena, Menominee
32. Tennessee
1 in every 5,355 housing units (587 filings / 3,143,670 units)
Counties: Montgomery, Hancock, Bledsoe, Crockett
33. Massachusetts
1 in every 5,383 housing units (563 filings / 3,030,406 units)
Counties: Plymouth, Hampden, Worcester, Bristol
34. Kentucky
1 in every 5,513 housing units (367 filings / 2,023,116 units)
Counties: Breathitt, Bath, Breckinridge, Carroll
35. Oklahoma
1 in every 5,708 housing units (311 filings / 1,775,127 units)
Counties: Harmon, Canadian, MUSKOGEE, Ellis
36. Minnesota
1 in every 6,509 housing units (391 filings / 2,545,030 units)
Counties: Red Lake, Faribault, Sherburne, Grant
37. Washington
1 in every 6,574 housing units (503 filings / 3,306,620 units)
Counties: Grays Harbor, Adams, Cowlitz, Pacific
38. Rhode Island
1 in every 6,844 housing units (71 filings / 485,932 units)
Counties: Washington, Providence, Kent, Newport
39. Oregon
1 in every 6,881 housing units (270 filings / 1,857,992 units)
Counties: Josephine, Clatsop, Harney, Tillamook
40. Hawaii
1 in every 7,011 housing units (81 filings / 567,896 units)
Counties: Hawaii, Maui, Kauai, Honolulu
41. New Hampshire
1 in every 7,454 housing units (87 filings / 648,472 units)
Counties: Coos, Sullivan, Cheshire, Hillsborough
42. Nebraska
1 in every 7,508 housing units (115 filings / 863,444 units)
Counties: Jefferson, Clay, Burt, Red Willow
43. North Dakota
1 in every 8,027 housing units (47 filings / 377,281 units)
Counties: Renville, Dunn, Cavalier, Williams
44. Wisconsin
1 in every 9,170 housing units (303 filings / 2,778,572 units)
Counties: Douglas, Fond Du Lac, Marinette, Ashland
45. Kansas
1 in every 9,654 housing units (134 filings / 1,293,635 units)
Counties: Trego, Anderson, Marshall, Barber
46. Mississippi
1 in every 10,396 housing units (129 filings / 1,341,114 units)
Counties: Clay, Pike, Lincoln, Pearl River
47. West Virginia
1 in every 16,251 housing units (53 filings / 861,325 units)
Counties: Marion, Boone, Wetzel, Harrison
48. South Dakota
1 in every 21,322 housing units (19 filings / 405,114 units)
Counties: Stanley, Mccook, Bon Homme, Meade
49. Vermont
1 in every 22,603 housing units (15 filings / 339,042 units)
Counties: Rutland, Washington, Orleans, Windsor
50. Montana
1 in every 25,163 housing units (21 filings / 528,419 units)
Counties: Toole, Chouteau, Hill, Valley
Key Insights from January 2026 Foreclosure Market Report:
Foreclosure activity continued to rise on a year-over-year basis in January 2026, extending a trend that has now persisted for eleven consecutive months and signaling an ongoing normalization of the housing market after a prolonged period of unusually low foreclosure levels. While foreclosure filings, starts, and completed repossessions all increased compared to January 2025, overall activity remains well below pre-pandemic norms and far beneath levels recorded during the last housing crisis. The January data indicates that the increase is being driven by gradual market adjustment rather than widespread homeowner distress, with strong homeowner equity positions and more conservative lending practices continuing to limit systemic risk.
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.
