U.S. Foreclosure Rates by State – July 2026

What Is the Current Foreclosure Rate in the U.S.?

In July 2026, U.S. foreclosure activity increased from both the previous month and a year earlier, with foreclosure starts and completed foreclosures also rising annually.

Total filings: 39,906 properties with default notices, scheduled auctions, or bank repossessions
Monthly change: Up 1 percent from June 2026
Year-over-year change: Up 10 percent from July 2025
National rate: One in every 3,603 housing units had a foreclosure filing
States with the worst foreclosure rates: Nevada, South Carolina, Florida, Delaware, Texas

Foreclosure Starts and Completions

Starts: Lenders initiated the foreclosure process on 26,648 U.S. properties in July 2026, up 2 percent from the previous month and up 10 percent from a year ago.

Completions (REOs): Lenders repossessed 4,764 properties in July 2026, virtually unchanged from the previous month and up 23 percent from a year ago.

What’s Driving July 2026 Foreclosure Trends?

Foreclosure activity increased modestly from June 2026 and remained above year-ago levels. Foreclosure starts rose both monthly and annually, while completed foreclosures were virtually unchanged from June but increased from July 2025. Although annual increases continued across total filings, starts, and completed foreclosures, overall foreclosure activity remained below pre-pandemic norms.

Foreclosure Rates by State –  July 2026

Below is the complete state-by-state foreclosure ranking for July 2026 and the top 4 counties with the worst foreclosure rates per state.

1. Nevada

1 in every 1,703 housing units (779 filings / 1,326,471 units)
Counties: Clark, Lyon, White Pine, Nye

2. South Carolina

1 in every 2,085 housing units (1,172 filings / 2,443,039 units)
Counties: Dorchester, Chester, Abbeville, Kershaw

3. Florida

1 in every 2,232 housing units (4,596 filings / 10,256,470 units)
Counties: Charlotte, Highlands, Osceola, Gadsden

4. Delaware

1 in every 2,579 housing units (180 filings / 464,203 units)
Counties: New Castle, Kent, Sussex

5. Texas

1 in every 2,653 housing units (4,571 filings / 12,128,515 units)
Counties: Liberty, Caldwell, Hill, Hudspeth

6. Indiana

1 in every 2,672 housing units (1,114 filings / 2,976,568 units)
Counties: Rush, Vanderburgh, Clinton, Madison

7. Maryland

1 in every 2,830 housing units (905 filings / 2,560,784 units)
Counties: Baltimore City, Charles, Dorchester, Allegany

8. Utah

1 in every 2,839 housing units (431 filings / 1,223,468 units)
Counties: Piute, Carbon, Tooele, Sevier

9. New Jersey

1 in every 2,881 housing units (1,316 filings / 3,791,354 units)
Counties: Salem, Cumberland, Gloucester, Camden

10. Illinois

1 in every 2,933 housing units (1,861 filings / 5,457,452 units)
Counties: Hardin, Rock Island, Knox, Massac

11. North Carolina

1 in every 3,128 housing units (1,565 filings / 4,895,668 units)
Counties: Camden, Perquimans, Richmond, Craven

12. California

1 in every 3,202 housing units (4,573 filings / 14,644,735 units)
Counties: Lake, Solano, Madera, Shasta

13. Alabama

1 in every 3,242 housing units (721 filings / 2,337,265 units)
Counties: Dale, Bibb, Geneva, Chambers

14. Georgia

1 in every 3,377 housing units (1,345 filings / 4,541,835 units)
Counties: Talbot, Jasper, Newton, Henry

15. Iowa

1 in every 3,399 housing units (423 filings / 1,437,699 units)
Counties: Wayne, Lyon, Appanoose, Clinton

16. Arizona

1 in every 3,422 housing units (933 filings / 3,192,839 units)
Counties: Pinal, Santa Cruz, Mohave, Gila

17. Tennessee

1 in every 3,439 housing units (914 filings / 3,143,670 units)
Counties: Hardeman, Chester, Lake, Meigs

18. Ohio

1 in every 3,545 housing units (1,493 filings / 5,292,391 units)
Counties: Logan, Summit, Defiance, Jefferson

19. Virginia

1 in every 4,366 housing units (844 filings / 3,684,756 units)
Counties: Charles City, Martinsville City, Franklin City, Orange

20. Missouri

1 in every 4,564 housing units (619 filings / 2,825,287 units)
Counties: Shelby, Dunklin, Scott, Andrew

21. Maine

1 in every 4,699 housing units (160 filings / 751,876 units)
Counties: Waldo, Penobscot, Oxford, Aroostook

22. Connecticut

1 in every 4,773 housing units (323 filings / 1,541,822 units)
Counties: Northeastern Connecticut, South Central Connecticut, Naugatuck Valley, Greater Bridgeport

23. Michigan

1 in every 4,780 housing units (967 filings / 4,622,236 units)
Counties: Bay, Saint Clair, Calhoun, Manistee

24. Arkansas

1 in every 4,809 housing units (290 filings / 1,394,673 units)
Counties: Grant, Crittenden, Sharp, Greene

25. Colorado

1 in every 4,839 housing units (535 filings / 2,589,053 units)
Counties: Washington, Mineral, Sedgwick, Morgan

26. Mississippi

1 in every 4,949 housing units (271 filings / 1,341,114 units)
Counties: Quitman, Marshall, Benton, Monroe

27. Pennsylvania

1 in every 4,980 housing units (1,166 filings / 5,806,452 units)
Counties: Delaware, Philadelphia, Washington, Clinton

28. Alaska

1 in every 4,997 housing units (64 filings / 319,781 units)
Counties: Bethel, Northwest Arctic, Anchorage, Sitka

29. New Mexico

1 in every 5,090 housing units (188 filings / 956,964 units)
Counties: Eddy, Valencia, Lea, Bernalillo

30. Louisiana

1 in every 5,182 housing units (407 filings / 2,108,902 units)
Counties: Ascension, Livingston, Tangipahoa, Lafayette

31. Idaho

1 in every 5,230 housing units (152 filings / 795,014 units)
Counties: Gem, Payette, Jerome, Bannock

31. New York

1 in every 5,251 housing units (1,635 filings / 8,585,241 units)
Counties: Oswego, Montgomery, Cortland, Rockland

32. Oklahoma

1 in every 5,530 housing units (321 filings / 1,775,127 units)
Counties: Logan, Craig, Woods, Lincoln

33. Minnesota

1 in every 5,631 housing units (452 filings / 2,545,030 units)
Counties: Faribault, Mille Lacs, Carlton, Waseca

34. Massachusetts

1 in every 5,633 housing units (538 filings / 3,030,406 units)
Counties: Hampden, Worcester, Plymouth, Bristol

35. Kentucky

1 in every 6,003 housing units (337 filings / 2,023,116 units)
Counties: Fleming, Hardin, Jefferson, Carroll

36. Nebraska

1 in every 6,396 housing units (135 filings / 863,444 units)
Counties: Scotts Bluff, Franklin, Nemaha, Webster

37. Wyoming

1 in every 6,445 housing units (43 filings / 277,141 units)
Counties: Crook, Campbell, Sublette, Big Horn

38. West Virginia

1 in every 7,362 housing units (117 filings / 861,325 units)
Counties: Morgan, Roane, Wayne, Calhoun

39.Oregon

1 in every 7,492 housing units (248 filings / 1,857,992 units)
Counties: Columbia, Harney, Klamath, Grant

40. Washington

1 in every 7,584 housing units (436 filings / 3,306,620 units)
Counties: Mason, Cowlitz, Grays Harbor, Lewis

41. Hawaii

1 in every 7,999 housing units (71 filings / 567,896 units)
Counties: Hawaii, Maui, Kauai, Honolulu

42. Montana

1 in every 9,786 housing units (54 filings / 528,419 units)
Counties: Powder River, Fallon, Sweet Grass, Lincoln

43. Wisconsin

1 in every 10,067 housing units (276 filings / 2,778,572 units)
Counties: Langlade, Ashland, Marinette, Manitowoc

44. New Hampshire

1 in every 10,293 housing units (63 filings / 648,472 units)
Counties: Cheshire, Sullivan, Strafford, Belknap

45. Kansas

1 in every 12,090 housing units (107 filings / 1,293,635 units)
Counties: Sheridan, Logan, Atchison, Woodson

46. North Dakota

1 in every 12,576 housing units (30 filings / 377,281 units)
Counties: Mcintosh, Morton, Bottineau, Williams

47. Rhode Island

1 in every 20,247 housing units (24 filings / 485,932 units)
Counties: Washington, Providence, Kent, Newport

49. South Dakota

1 in every 31,163 housing units (13 filings / 405,114 units)
Counties: Sanborn, Brown, Meade, Davison

50. Vermont

1 in every 56,507 housing units (6 filings / 339,042 units)
Counties: Caledonia, Addison, Windham, Washington

Key Insights from July 2026 Foreclosure Market Report

Foreclosure activity in July 2026 edged higher from the previous month and remained above the level recorded a year earlier. Foreclosure starts increased from both June 2026 and July 2025, while completed foreclosures were virtually unchanged month over month but rose annually. Despite these increases, overall foreclosure activity remained below pre-pandemic norms, indicating that the market continued to show relative resilience.

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.