What Is the Current Foreclosure Rate in the U.S.?
In December 2025, U.S. foreclosure activity increased from the prior month and continued to trend higher than a year earlier.
• Total filings: 44,990 properties with default notices, scheduled auctions, or bank repossessions
• Monthly change: Up 26 percent from November 2025
• Year-over-year change: Up 57 percent from December 2024
• National rate: One in every 3,163 housing units had a foreclosure filing
States with the worst foreclosure rates: New Jersey, South Carolina, Maryland, Delaware, and Florida
Foreclosure Starts and Completions
- Starts: Lenders initiated foreclosure proceedings on 28,269 U.S. properties during December 2025, a 19 percent increase from November and 46 percent above the level seen one year ago.
• Completions (REOs): Lenders repossessed 5,953 properties, up 53 percent from the previous month and up 101 percent from a year ago.
What’s Driving December 2025 Foreclosure Trends?
Foreclosure activity accelerated in December 2025, with year-over-year increases in nearly every state, reflecting a broad-based rise in filings rather than pressure concentrated in a single market. States with the highest foreclosure rates for the month included New Jersey, South Carolina, Maryland, Delaware, and Florida, pointing to elevated foreclosure activity across parts of the Mid-Atlantic and Southeast.
Foreclosure Rates by State – December 2025
Below is the complete state-by-state foreclosure ranking for December 2025 and the top 4 counties with the worst foreclosure rates per state.
1. New Jersey
1 in every 1,734 housing units (2,178 filings / 3,775,842 units)
Counties: Salem, Camden, Cumberland, Gloucester
2. South Carolina
1 in every 1,917 housing units (1,253 filings / 2,401,638 units)
Counties: Dorchester, Kershaw, Florence, Berkeley
3. Maryland
1 in every 1,961 housing units (1,298 filings / 2,545,532 units)
Counties: Baltimore City, Dorchester, Charles, Somerset
4. Delaware
1 in every 2,044 housing units (224 filings / 457,958 units)
Counties: Kent, New Castle, Sussex
5. Florida
1 in every 2,119 housing units (4,757 filings / 10,082,356 units)
Counties: Taylor, Charlotte, Osceola, Citrus
6. Illinois
1 in every 2,245 housing units (2,425 filings / 5,443,501 units)
Counties: Dewitt, Edgar, Saint Clair, Clay
7. Utah
1 in every 2,381 housing units (501 filings / 1,193,082 units)
Counties: Iron, Tooele, Wayne, Weber
8. Nevada
1 in every 2,386 housing units (548 filings / 1,307,338 units)
Counties: Clark, Lyon, Nye, Humboldt
9. Texas
1 in every 2,451 housing units (4,852 filings / 11,890,808 units)
Counties: Liberty, Borden, Kaufman, Caldwell
10. Indiana
1 in every 2,544 housing units (1,161 filings / 2,953,344 units)
Counties: Sullivan, Daviess, Noble, Madison
11. Ohio
1 in every 2,736 housing units (1,927 filings / 5,271,573 units)
Counties: Cuyahoga, Stark, Crawford, Marion
12. Alabama
1 in every 2,825 housing units (820 filings / 2,316,192 units)
Counties: Hale, Lowndes, Bibb, Jefferson
13. Georgia
1 in every 2,834 housing units (1,582 filings / 4,483,873 units)
Counties: Butts, Peach, Mcduffie, Jefferson
14. Louisiana
1 in every 2,966 housing units (706 filings / 2,094,002 units)
Counties: Tangipahoa, Livingston, Ascension, Webster
15. Colorado
1 in every 3,085 housing units (825 filings / 2,545,124 units)
Counties: Pueblo, Alamosa, Cheyenne, Sedgwick
16. Iowa
1 in every 3,109 housing units (459 filings / 1,427,175 units)
Counties: Jones, Tama, Muscatine, Howard
17. Oklahoma
1 in every 3,211 housing units (549 filings / 1,763,036 units)
Counties: Noble, Caddo, Woodward, Tulsa
18. Michigan
1 in every 3,251 housing units (1,415 filings / 4,599,683 units)
Counties: Sanilac, Tuscola, Jackson, Muskegon
19. Pennsylvania
1 in every 3,335 housing units (1,733 filings / 5,779,663 units)
Counties: Delaware, Philadelphia, Berks, Lancaster
20. New York
1 in every 3,423 housing units (2,495 filings / 8,539,536 units)
Counties: Rockland, Washington, Richmond, Broome
21. California
1 in every 3,499 housing units (4,153 filings / 14,532,683 units)
Counties: Shasta, El Dorado, Kern, San Bernardino
22. Maine
1 in every 3,809 housing units (196 filings / 746,552 units)
Counties: Washington, Somerset, Penobscot, Waldo
23. Arkansas
1 in every 3,873 housing units (357 filings / 1,382,664 units)
Counties: Grant, Prairie, Randolph, Clark
24. Wyoming
1 in every 3,875 housing units (71 filings / 275,131 units)
Counties: Niobrara, Goshen, Converse, Natrona
25. Arizona
1 in every 4,050 housing units (776 filings / 3,142,443 units)
Counties: Pinal, Santa Cruz, Cochise, Yuma
26. Connecticut
1 in every 4,118 housing units (373 filings / 1,536,049 units)
Counties: Northeastern Connecticut, Greater Bridgeport, South Central Connecticut, Naugatuck Valley
27. Idaho
1 in every 4,131 housing units (188 filings / 776,683 units)
Counties: Franklin, Elmore, Payette, Ada
28. Virginia
1 in every 4,215 housing units (867 filings / 3,654,784 units)
Counties: Emporia City, Petersburg City, Franklin City, Colonial Heights City
29. New Mexico
1 in every 4,336 housing units (219 filings / 949,524 units)
Counties: Union, Eddy, Torrance, Valencia
30. North Carolina
1 in every 4,381 housing units (1,099 filings / 4,815,195 units)
Counties: Anson, Lee, Gates, Mcdowell
31. Massachusetts
1 in every 4,388 housing units (687 filings / 3,014,657 units)
Counties: Hampden, Bristol, Plymouth, Worcester
32. Tennessee
1 in every 4,572 housing units (677 filings / 3,095,472 units)
Counties: Hardeman, Moore, Hancock, Houston
33. Minnesota
1 in every 4,666 housing units (540 filings / 2,519,538 units)
Counties: Martin, Dodge, Benton, Isanti
34. Missouri
1 in every 4,955 housing units (567 filings / 2,809,501 units)
Counties: Scotland, Butler, Mississippi, Dunklin
35. Washington
1 in every 5,549 housing units (588 filings / 3,262,667 units)
Counties: Pacific, Okanogan, Lewis, Grays Harbor
36. Oregon
1 in every 6,212 housing units (296 filings / 1,838,631 units)
Counties: Gilliam, Columbia, Lake, Crook
37. Mississippi
1 in every 6,470 housing units (206 filings / 1,332,811 units)
Counties: Franklin, Clay, Webster, Attala
38. Nebraska
1 in every 6,685 housing units (128 filings / 855,631 units)
Counties: Clay, Morrill, York, Franklin
39. Kentucky
1 in every 6,725 housing units (299 filings / 2,010,655 units)
Counties: Owen, Bell, Union, Barren
40. Hawaii
1 in every 6,725 housing units (84 filings / 564,905 units)
Counties: Honolulu, Hawaii, Kauai, Maui
41. Alaska
1 in every 6,933 housing units (46 filings / 318,927 units)
Counties: Sitka, North Slope, Ketchikan Gateway, Nome
42. Rhode Island
1 in every 7,456 housing units (65 filings / 484,615 units)
Counties: Bristol, Kent, Newport, Providence
43. New Hampshire
1 in every 7,857 housing units (82 filings / 644,253 units)
Counties: Sullivan, Merrimack, Hillsborough, Coos
44. West Virginia
1 in every 9,049 housing units (95 filings / 859,653 units)
Counties: Marion, Wetzel, Raleigh, Wayne
45. Kansas
1 in every 9,663 housing units (133 filings / 1,285,221 units)
Counties: Pawnee, Morton, Geary, Anderson
46. Wisconsin
1 in every 10,621 housing units (259 filings / 2,750,750 units)
Counties: Langlade, Juneau, Marinette, Racine
47. North Dakota
1 in every 12,496 housing units (30 filings / 374,866 units)
Counties: Griggs, Mchenry, Pembina, Richland
48. Montana
1 in every 15,381 housing units (34 filings / 522,939 units)
Counties: Sweet Grass, Daniels, Lincoln, Roosevelt
49. Vermont
1 in every 25,929 housing units (13 filings / 337,072 units)
Counties: Rutland, Orange, Washington, Caledonia
50. South Dakota
1 in every 28,493 housing units (14 filings / 398,903 units)
Counties: Yankton, Brown, Minnehaha, Pennington
Key Insights from December 2025 Foreclosure Market Report:
Foreclosure activity increased in 2025, reflecting a continued normalization of the housing market following several years of historically low levels. While foreclosure filings, starts, and repossessions all rose compared to 2024, activity remains well below pre-pandemic norms and far below levels seen during the last housing crisis. The December data suggests the recent uptick is being driven more by market recalibration than widespread homeowner distress, as strong equity positions and more disciplined lending practices continue to help limit broader 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.
