The dream of homeownership, a cornerstone of the American economy, can quickly turn into a nightmare when financial hardship strikes. While the national housing market shows resilience, certain states are currently grappling with a stark reality: foreclosure rates are surging, impacting countless homeowners.
These aren’t just abstract numbers; behind every foreclosure filing is a family facing immense stress and uncertainty. Economic shifts, rising interest rates, and localized market pressures are creating challenging conditions in specific regions across the U.S. Understanding where and why these rates are climbing is crucial for homeowners, prospective buyers, and anyone interested in the pulse of the national housing landscape.
Below, we’ll reveal the states where foreclosure rates are currently through the roof, according to the latest data from ATTOM.
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South Dakota
- Foreclosure rate: 1 in every 79781 housing units
- Total housing units statewide: 398,903
- Foreclosures filed: 5
- Top counties: Brown, Codington, Minnehaha
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Montana
- Foreclosure rate: 1 in every 18676 housing units
- Total housing units statewide: 522,939
- Foreclosures filed: 28
- Top counties: Sheridan, Sanders, Pondera
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Vermont
- Foreclosure rate: 1 in every 17741 housing units
- Total housing units statewide: 337,072
- Foreclosures filed: 19
- Top counties: Essex, Rutland, Windsor
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Kansas
- Foreclosure rate: 1 in every 15673 housing units
- Total housing units statewide: 1,285,221
- Foreclosures filed: 82
- Top counties: Chase, Doniphan, Pratt
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Mississippi
- Foreclosure rate: 1 in every 12228 housing units
- Total housing units statewide: 1,332,811
- Foreclosures filed: 109
- Top counties: Jefferson, Webster, Union
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West Virginia
- Foreclosure rate: 1 in every 11164 housing units
- Total housing units statewide: 859,653
- Foreclosures filed: 77
- Top counties: Hampshire, Mcdowell, Hancock
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North Dakota
- Foreclosure rate: 1 in every 10413 housing units
- Total housing units statewide: 374,866
- Foreclosures filed: 36
- Top counties: Sargent, Stark, Bottineau
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New Hampshire
- Foreclosure rate: 1 in every 8590 housing units
- Total housing units statewide: 644,253
- Foreclosures filed: 75
- Top counties: Belknap, Cheshire, Coos
Image Credit: Depositphotos.com.
Wisconsin
- Foreclosure rate: 1 in every 8261 housing units
- Total housing units statewide: 2,750,750
- Foreclosures filed: 333
- Top counties: Lafayette, Iron, Kewaunee
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Nebraska
- Foreclosure rate: 1 in every 8227 housing units
- Total housing units statewide: 855,631
- Foreclosures filed: 104
- Top counties: Thayer, Frontier, Howard
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Rhode Island
- Foreclosure rate: 1 in every 7692 housing units
- Total housing units statewide: 484,615
- Foreclosures filed: 63
- Top counties: Kent, Bristol, Providence
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Tennessee
- Foreclosure rate: 1 in every 7035 housing units
- Total housing units statewide: 3,095,472
- Foreclosures filed: 440
- Top counties: Lake, Sequatchie, Campbell
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Kentucky
- Foreclosure rate: 1 in every 6793 housing units
- Total housing units statewide: 2,010,655
- Foreclosures filed: 296
- Top counties: Boyd, Breathitt, Hardin
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Washington
- Foreclosure rate: 1 in every 6645 housing units
- Total housing units statewide: 3,262,667
- Foreclosures filed: 491
- Top counties: Columbia, Mason, Pacific
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Oregon
- Foreclosure rate: 1 in every 6638 housing units
- Total housing units statewide: 1,838,631
- Foreclosures filed: 277
- Top counties: Jefferson, Columbia, Josephine
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Missouri
- Foreclosure rate: 1 in every 6371 housing units
- Total housing units statewide: 2,809,501
- Foreclosures filed: 441
- Top counties: Saint Francois, Mississippi, Dunklin
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Arkansas
- Foreclosure rate: 1 in every 5934 housing units
- Total housing units statewide: 1,382,664
- Foreclosures filed: 233
- Top counties: Franklin, Lonoke, Logan
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Idaho
- Foreclosure rate: 1 in every 5753 housing units
- Total housing units statewide: 776,683
- Foreclosures filed: 135
- Top counties: Washington, Caribou, Bear Lake
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Wyoming
- Foreclosure rate: 1 in every 5732 housing units
- Total housing units statewide: 275,131
- Foreclosures filed: 48
- Top counties: Converse, Weston, Campbell
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Massachusetts
- Foreclosure rate: 1 in every 5677 housing units
- Total housing units statewide: 3,014,657
- Foreclosures filed: 531
- Top counties: Plymouth, Hampden, Franklin
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Minnesota
- Foreclosure rate: 1 in every 5637 housing units
- Total housing units statewide: 2,519,538
- Foreclosures filed: 447
- Top counties: Kittson, Dodge, Mcleod
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Virginia
- Foreclosure rate: 1 in every 5423 housing units
- Total housing units statewide: 3,654,784
- Foreclosures filed: 674
- Top counties: Hopewell City, Portsmouth City, Covington City
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Alaska
- Foreclosure rate: 1 in every 5144 housing units
- Total housing units statewide: 318,927
- Foreclosures filed: 62
- Top counties: Hoonah-Angoon, Dillingham, Bethel
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Colorado
- Foreclosure rate: 1 in every 5121 housing units
- Total housing units statewide: 2,545,124
- Foreclosures filed: 497
- Top counties: Pueblo, Weld, Rio Grande
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Pennsylvania
- Foreclosure rate: 1 in every 4841 housing units
- Total housing units statewide: 5,779,663
- Foreclosures filed: 1,194
- Top counties: Delaware, Montgomery, Philadelphia
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Georgia
- Foreclosure rate: 1 in every 4837 housing units
- Total housing units statewide: 4,483,873
- Foreclosures filed: 927
- Top counties: Long, Crawford, Peach
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New Mexico
- Foreclosure rate: 1 in every 4724 housing units
- Total housing units statewide: 949,524
- Foreclosures filed: 201
- Top counties: Otero, Valencia, Chaves
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Oklahoma
- Foreclosure rate: 1 in every 4579 housing units
- Total housing units statewide: 1,763,036
- Foreclosures filed: 385
- Top counties: Woods, Woodward, Craig
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Louisiana
- Foreclosure rate: 1 in every 4552 housing units
- Total housing units statewide: 2,094,002
- Foreclosures filed: 460
- Top counties: West Baton Rouge, East Feliciana, Saint Tammany
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New York
- Foreclosure rate: 1 in every 4409 housing units
- Total housing units statewide: 8,539,536
- Foreclosures filed: 1,937
- Top counties: Greene, Rockland, Orange
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Alabama
- Foreclosure rate: 1 in every 4354 housing units
- Total housing units statewide: 2,316,192
- Foreclosures filed: 532
- Top counties: Coffee, Geneva, Calhoun
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Maine
- Foreclosure rate: 1 in every 4315 housing units
- Total housing units statewide: 746,552
- Foreclosures filed: 173
- Top counties: Waldo, Aroostook, Somerset
Image Credit: DepositPhotos.com.
Maryland
- Foreclosure rate: 1 in every 4250 housing units
- Total housing units statewide: 2,545,532
- Foreclosures filed: 599
- Top counties: Dorchester, Baltimore City, Allegany
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North Carolina
- Foreclosure rate: 1 in every 4119 housing units
- Total housing units statewide: 4,815,195
- Foreclosures filed: 1,169
- Top counties: Jones, Camden, Onslow
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Arizona
- Foreclosure rate: 1 in every 3983 housing units
- Total housing units statewide: 3,142,443
- Foreclosures filed: 789
- Top counties: Graham, Cochise, Pinal
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Hawaii
- Foreclosure rate: 1 in every 3896 housing units
- Total housing units statewide: 564,905
- Foreclosures filed: 145
- Top counties: Honolulu, Hawaii, Maui
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Michigan
- Foreclosure rate: 1 in every 3885 housing units
- Total housing units statewide: 4,599,683
- Foreclosures filed: 1,184
- Leading counties: Montmorency, Tuscola, Wexford
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California
- Foreclosure rate: 1 in every 3515 housing units
- Total housing units statewide: 14,532,683
- Foreclosures filed: 4,135
- Top counties: Lake, Plumas, Shasta
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Utah
- Foreclosure rate: 1 in every 3499 housing units
- Total housing units statewide: 1,193,082
- Foreclosures filed: 341
- Top counties: Box Elder, Washington, Utah
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Texas
- Foreclosure rate: 1 in every 3362 housing units
- Total housing units statewide: 11,890,808
- Foreclosures filed: 3,537
- Top counties: Liberty, Oldham, Kaufman
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Iowa
- Foreclosure rate: 1 in every 3311 housing units
- Total housing units statewide: 1,427,175
- Foreclosures filed: 431
- Top counties: Wayne, Chickasaw, Emmet
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Ohio
- Foreclosure rate: 1 in every 3297 housing units
- Total housing units statewide: 5,271,573
- Foreclosures filed: 1,599
- Top counties: Pickaway, Cuyahoga, Jefferson
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New Jersey
- Foreclosure rate: 1 in every 3189 housing units
- Total housing units statewide: 3,775,842
- Foreclosures filed: 1,184
- Top counties: Gloucester, Cumberland, Camden
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South Carolina
- Foreclosure rate: 1 in every 3099 housing units
- Total housing units statewide: 2,401,638
- Foreclosures filed: 775
- Top counties: Dorchester, Orangeburg, Bamberg
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Connecticut
- Foreclosure rate: 1 in every 3024 housing units
- Total housing units statewide: 1,530,197
- Foreclosures filed: 506
- Top counties: Windham, Tolland, Fairfield
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Indiana
- Foreclosure rate: 1 in every 2983 housing units
- Total housing units statewide: 2,953,344
- Foreclosures filed: 990
- Top counties: Lake, Newton, Perry
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Nevada
- Foreclosure rate: 1 in every 2747 housing units
- Total housing units statewide: 1,307,338
- Foreclosures filed: 476
- Top counties: Lincoln, Lyon, White Pine
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Illinois
- Foreclosure rate: 1 in every 2668 housing units
- Total housing units statewide: 5,443,501
- Foreclosures filed: 2,040
- Top counties: Mason, Douglas, Dewitt
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Florida
- Foreclosure rate: 1 in every 2536 housing units
- Total housing units statewide: 10,082,356
- Foreclosures filed: 3,976
- Top counties: Charlotte, Citrus, Polk
Image Credit: Depositphotos.com.
Delaware
- Foreclosure rate: 1 in every 2313 housing units
- Total housing units statewide: 457,958
- Foreclosures filed: 198
- Top counties: New Castle, Kent, Sussex
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