Zombie Foreclosure Rates by State – Q1 2026

Industry Update
February 20, 2026

Source: ATTOM

What Is the Current Percentage of Zombie Foreclosures in the U.S.?

In the first quarter of 2026, the share of zombie foreclosures across the United States remained relatively stable compared to recent quarters.

Residential Properties Nationwide in the Process of Foreclosure: 230,401

Percentage of Zombie Foreclosures: 3.27 percent of residential properties in the foreclosure process were considered “zombie” properties — homes that sit vacant while in pre-foreclosure status.

What’s Driving Q1 2026 Zombie Foreclosure Trends?

Zombie foreclosure rates remain historically low in the first quarter of 2026, reflecting continued housing demand and homeowner equity strength. While foreclosure volumes have shifted modestly, most properties entering the foreclosure pipeline are not being abandoned during the pre-foreclosure process.

Zombie Foreclosure Rates by State – Q1 2026

Below is the complete state-by-state ranking for the first quarter of 2026, listing each state’s share of zombie foreclosure properties and the top four counties leading in percentage of total vacant properties.

  1. South Dakota

17.9 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (5 zombie foreclosures)

Counties: Minnehaha

  1. Kansas

10.6 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (62 zombie foreclosures)

Counties: Wyandotte, Shawnee, Sedgwick, Johnson

  1. Iowa

7.0 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (93 zombie foreclosures)

Counties: Black Hawk, Scott, Linn, Polk

  1. Missouri

6.9 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (54 zombie foreclosures)

Counties: Saint Louis City, Saint Louis, Jackson, Greene

  1. Oregon

6.7 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (44 zombie foreclosures)

Counties: Multnomah, Jackson, Marion, Lane

  1. New Mexico

6.5 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (41 zombie foreclosures)

Counties: Santa Fe, Bernalillo, Dona Ana, Sandoval

  1. Indiana

6.3 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (207 zombie foreclosures)

Counties: Lake, Marion, St Joseph, Vanderburgh

  1. Ohio

6.2 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (589 zombie foreclosures)

Counties: Mahoning, Lucas, Cuyahoga, Montgomery

  1. Oklahoma

6 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (72 zombie foreclosures)

Counties: Oklahoma, Tulsa, Cleveland, Canadian

  1. Maryland

5.8 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (115 zombie foreclosures)

Counties: Baltimore City, Baltimore, Prince George’s County, Worcester

  1. Alaska

5.5 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (7 zombie foreclosures)

Counties: Anchorage

  1. Nebraska

5.1 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (12 zombie foreclosures)

Counties: Douglas, Lancaster, Sarpy

  1. Wyoming

5.1 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (4 zombie foreclosures)

Counties: No data available

  1. North Dakota

4.9 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (6 zombie foreclosures)

Counties: No data available

  1. Illinois

4.4 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (676 zombie foreclosures)

Counties: Saint Clair, Peoria, Madison, Rock Island

  1. Alabama

4.4 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (34 zombie foreclosures)

Counties: Montgomery, Jefferson, Mobile, Tuscaloosa

  1. Nevada

4.0 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (66 zombie foreclosures)

Counties: Clark, Washoe

  1. Hawaii

4.0 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (68 zombie foreclosures)

Counties: Hawaii, Honolulu, Maui

  1. Montana

3.9 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (4 zombie foreclosures)

Counties: Yellowstone

  1. Pennsylvania

3.9 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (219 zombie foreclosures)

Counties: Schuylkill, Beaver, Allegheny, Luzerne

  1. Washington

3.8 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (61 zombie foreclosures)

Counties: Spokane, Pierce, Yakima, Kitsap

  1. Maine

3.8 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (24 zombie foreclosures)

Counties: Penobscot, York, Cumberland

  1. Arkansas

3.7 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (6 zombie foreclosures)

Counties: Pulaski, Washington, Benton

  1. Idaho

3.6 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (16 zombie foreclosures)

Counties: Ada, Kootenai, Canyon

  1. Florida

3.5 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (2300 zombie foreclosures)

Counties: Pinellas, Sarasota, Collier, Volusia

  1. Michigan

3.4 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (60 zombie foreclosures)

Counties: Wayne, Genesee, Saginaw, Berrien

  1. Arizona

3.4 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (72 zombie foreclosures)

Counties: Pima, Mohave, Maricopa, Yuma

  1. New York

3.3 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (1382 zombie foreclosures)

Counties: Broome, Niagara, Oneida, Schenectady

  1. Mississippi

3.0 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (4 zombie foreclosures)

Counties: Hinds, Harrison, De Soto

  1. Texas

2.9 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (177 zombie foreclosures)

Counties: Jefferson, Lubbock, Galveston, Nueces

  1. Kentucky

2.8 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (23 zombie foreclosures)

Counties: Jefferson, Kenton, Fayette

  1. Colorado

2.8 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (47 zombie foreclosures)

Counties: Pueblo, Denver, Arapahoe, Boulder

  1. Virginia

2.6 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (29 zombie foreclosures)

Counties: Richmond City, Norfolk City, Virginia Beach City, Arlington

  1. Minnesota

2.6 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (25 zombie foreclosures)

Counties: Saint Louis, Hennepin, Ramsey, Olmsted

  1. Wisconsin

2.5 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (34 zombie foreclosures)

Counties: Milwaukee, Winnebago, Rock, Racine

  1. North Carolina

2.4 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (61 zombie foreclosures)

Counties: Forsyth, Gaston, Cumberland, New Hanover

  1. Delaware

2.4 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (13 zombie foreclosures)

Counties: New Castle, Kent, Sussex

  1. Georgia

2.3 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (51 zombie foreclosures)

Counties: Bibb, Richmond, Muscogee, Clayton

  1. Tennessee

2.3 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (15 zombie foreclosures)

Counties: Shelby, Hamilton, Sullivan, Montgomery

  1. Louisiana

2.2 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (27 zombie foreclosures)

Counties: Caddo, Calcasieu, East Baton Rouge, Orleans

  1. South Carolina

2.2 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (130 zombie foreclosures)

Counties: Beaufort, Horry, Anderson, Aiken

  1. California

2.1 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (313 zombie foreclosures)

Counties: Riverside, Los Angeles, San Luis Obispo, San Diego

  1. Utah

1.7 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (26 zombie foreclosures)

Counties: Washington, Salt Lake, Weber, Utah

  1. Massachusetts

1.7 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (48 zombie foreclosures)

Counties: Barnstable, Berkshire, Suffolk, Essex

  1. Connecticut

1.3 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (9 zombie foreclosures)

Counties: Southeastern Connecticut, South Central Connecticut, Naugatuck Valley, Greater Bridgeport

  1. New Jersey

0.9 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (199 zombie foreclosures)

Counties: Cape May, Middlesex, Atlantic, Essex

  1. Rhode Island

0.8 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (1 zombie foreclosures)

Counties: Washington, Kent, Providence

  1. New Hampshire

0.0 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (0 zombie foreclosures)

Counties: Rockingham, Hillsborough

  1. Vermont

0.0 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (0 zombie foreclosures)

Counties: Chittenden

  1. West Virginia

0.0 percent of residential properties in the process of foreclosure during the first quarter were vacant or zombie foreclosures (0 zombie foreclosures)

Counties: Kanawha

Zombie foreclosures remain a small share of overall foreclosure activity nationwide in Q1 2026. States at the top of the ranking continue to post higher zombie foreclosure rates relative to others, though overall levels remain low by historical standards.

 

For full report, please click the source link above.

 

FEMA Emergency Management Declaration – District of Columbia (DC) Sewer Line Collapse

FEMA Alert
February 20, 2026

FEMA has issued an Emergency Management Declaration for the District of Columbia to supplement response efforts due to emergency conditions resulting from a sewer line collapse beginning January 19, 2026 and continuing.  The following counties have been approved for assistance:

Public Assistance:

  • District of Columbia

 

District of Columbia (DC) Sewer Line Collapse (EM-3643-DC)

President Donald J. Trump Approves Emergency Declaration for the District of Columbia

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

FEMA Fire Management Assistance Declaration – Oklahoma Hospital Road Fire

FEMA Alert
February 19, 2026

FEMA has issued a Fire Management Assistance Declaration for the state of Oklahoma to supplement state, tribal and local recovery efforts in areas affected by the Hospital Road Fire on February 19, 2026.  The following counties have been approved for assistance:

Public Assistance:

  • Carter

 

Oklahoma Hospital Road Fire (FM-5620-OK)

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

FEMA Fire Management Assistance Declaration – Oklahoma Rattlesnake Fire

FEMA Alert
February 19, 2026

FEMA has issued a Fire Management Assistance Declaration for the state of Oklahoma to supplement state, tribal and local recovery efforts in areas affected by the Rattlesnake Fire on February 19, 2026.  The following counties have been approved for assistance:

Public Assistance:

  • Osage
  • Washington

 

Oklahoma Rattlesnake Fire (FM-5621-OK)

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

Vacancy and Zombie Home Rates Low Across the Country

Industry Update
February 19, 2026

Source: ATTOM

ATTOM, the leading provider of property data, AI-powered analytics, and real estate intelligence solutions, today released its first-quarter 2026 Vacant Property and Zombie Foreclosure Report showing that 1.33 percent of the residential properties in the United States, or nearly 1.4 million homes, were vacant at the beginning of the year. That was essentially the same rate as the 1.32 percent rate posted in the previous quarter and in the first quarter of 2025.

The report analyzes publicly recorded real estate data collected by ATTOM — including foreclosure status, equity and owner-occupancy status — matched against monthly updated vacancy data. (See full methodology below).

Out of the nation’s nearly 104.8 million residential properties, 230,401 were in the process of foreclosure at the time of the report. Of those, 7,540 properties, or 3.27 percent, were “zombies,” meaning their owners had abandoned them before the end of the foreclosure proceedings. That zombie rate was essentially the same as the prior quarter but down slightly from 3.34 percent at the same time last year.

“It will come as no surprise to anyone shopping for a home that vacancy rates remain low. That is one reason home prices have continued to rise despite ongoing affordability challenges,” said Rob Barber, CEO of ATTOM. “It is also encouraging for both neighborhoods and the broader market that even among properties in foreclosure, vacancy rates remain relatively low.”

Most states have fewer zombie homes

In 28 states and the District of Columbia, the number of zombie properties fell quarter-over-quarter.

Among states with at least 50 zombie properties, the largest quarter-over-quarter increases were in Maryland (up 45.6 percent to 115 zombies), South Carolina (up 34 percent to 130 zombies), Oklahoma (up 26.3 percent to 72 zombies), California (up 15.1 percent to 313 zombies), and Nevada (up 11.9 percent to 66 zombies).

The largest quarter-over-quarter drops were in Georgia (down 31.1 percent to 51 zombies). North Carolina (down 25.6 percent to 61 zombies), Kansas (down 23.5 percent to 62 zombies), Texas (down 13.7 percent to 177 zombies), and Iowa (down 13.1 percent to 93 zombies).

Northeast retains lowest vacancy rates

The states with the highest overall home vacancy rates were Oklahoma (2.4 percent), Kansas (2.4 percent), Alabama (2.2 percent), Missouri (2.1 percent), and West Virginia (2.1 percent).

The lowest vacancy rates were in New Hampshire (0.3 percent), Vermont (0.4 percent), New Jersey (0.5 percent), Connecticut (0.5 percent), and Idaho (0.6 percent).

Metros in the Midwest have highest incidence of zombies

Of the 27 metropolitan statistical areas with sufficient data to analyze, meaning they had at least 100,000 total residential properties and 50 or more properties in the foreclosure process that are vacant, the highest zombie rates were in Cleveland, OH (9.9 percent); Baltimore, MD (9.3 percent); St. Louis, MO (8.6 percent); Akron, OH (7.4 percent); and Indianapolis, IN (6.5 percent).

Those metro areas that had the lowest zombie foreclosure rate were New York, NY (1.6 percent); Philadelphia, PA (1.7 percent); Los Angeles, CA (2.2 percent); Orlando, FL (2.2 percent); and Lakeland, FL (2.4 percent).

Big investors have more empty homes

Properties held by institutional investors, rather than individual owners, were more likely to be vacant. Of the roughly 25.2 million institutional investor-owned homes, about 3.5 percent were vacant.

The states with the highest vacancy rates for investor-owned properties were Indiana (7.2 percent), Illinois (6.2 percent), Alabama (6 percent), Kansas (6 percent), and Oklahoma (5.9 percent).

The lowest vacancy rates for investor-owned properties were in New Hampshire (0.8 percent), Vermont (1 percent), Idaho (1.3 percent), North Dakota (1.5 percent), and Maine (1.5 percent).

Zombie rates top 40 percent of pre-foreclosure homes in some zip codes

Out of 2,237 zip codes with at least 1,000 properties and 25 in pre-foreclosure, the highest zombie rates were in 21217 in Baltimore, MD (44 percent); 44108 in Cleveland, OH (41.1 percent); 33708 in Saint Petersburg, FL (39.3 percent); 34652 in New Port Richey, FL (35.5 percent); and 92262 in Palm Springs, CA (32.5 percent).

Conclusion

ATTOM’s first quarter analysis found that 1.33 percent of U.S. residential properties were vacant, essentially the same rate as the previous quarter. The rate of zombie homes held steady nationwide, although 28 states saw fewer zombie homes quarter-over-quarter. Properties owned by institutional investors continued to have higher vacancy rates than residential properties in general.

 

For full report, please click the source link above.

 

FEMA Fire Management Assistance Declaration – Texas 8 Ball Fire

FEMA Alert
February 18, 2026

FEMA has issued a Fire Management Assistance Declaration for the state of Texas to supplement state, tribal and local recovery efforts in areas affected by the 8 Ball Fire on February 17, 2026.  The following counties have been approved for assistance:

Public Assistance:

  • Armstrong
  • Donley

 

Texas 8 Ball Fire (FM-5619-TX)

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

FEMA Major Disaster Declaration – Louisiana Severe Winter Storm

FEMA Alert
February 18, 2026

***LAST UPDATE: 5/19/26***

FEMA has issued a Major Disaster Declaration for the state of Louisiana to supplement state, tribal and local recovery efforts in areas affected by a severe winter storm from January 23-27, 2026.  The following counties have been approved for assistance:

Public Assistance:

  • Bienville
  • Caldwell
  • Catahoula
  • De Soto
  • East Carroll
  • Franklin
  • Jackson
  • Lincoln
  • Madison
  • Morehouse
  • Ouachita
  • Red River
  • Richland
  • Tensas
  • Union
  • Webster
  • West Carroll
  • Winn

 

Louisiana Severe Winter Storm (DR-4900-LA)

President Donald J. Trump Approves Major Disaster Declaration for Louisiana

Map of Affected Areas

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

FEMA Fire Management Assistance Declaration – Oklahoma 43 Fire

FEMA Alert
February 17, 2026

FEMA has issued a Fire Management Assistance Declaration for the state of Oklahoma to supplement state, tribal and local recovery efforts in areas affected by the 43 Fire on February 17, 2026.  The following counties have been approved for assistance:

Public Assistance:

  • Woodward

 

Oklahoma 43 Fire (FM-5618-OK)

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

FEMA Fire Management Assistance Declaration – Oklahoma Stevens Fire

FEMA Alert
February 17, 2026

FEMA has issued a Fire Management Assistance Declaration for the state of Oklahoma to supplement state, tribal and local recovery efforts in areas affected by the Stevens Fire on February 17, 2026.  The following counties have been approved for assistance:

Public Assistance:

  • Beaver
  • Texas

 

Oklahoma Stevens Fire (FM-5616-OK)

List of Affected Zip Codes

 

Additional Resources

FEMA’s web site

FEMA’s Disaster Declaration Process

Safeguard Properties Industry Alerts

HUD Moratorium on Foreclosure

VA’s Policy Regarding Natural Disasters

Freddie Mac Disaster Relief Policies

Fannie Mae’s Natural Disaster Relief Policies

Federal Property Manager’s Report – November 2025

Industry Update
February 13, 2026

Source: Federal Housing Finance Agency

November 2025 Highlights – Foreclosure Prevention

The Enterprises’ Foreclosure Prevention Actions:

The Enterprises completed 17,217 foreclosure prevention actions in November 2025, bringing the total to 7,298,149 since the start of the conservatorships in September 2008. Approximately 38.7 percent of these actions have been permanent loan modifications.

There were 6,309 permanent loan modifications in November 2025, bringing the total to 2,823,194 since the conservatorships began in September 2008.

Approximately 36.2 percent of loan modifications in November involved extend term only. Modifications with principal forbearance accounted for 63.0 percent of all loan modifications during the month.

The number of borrowers who received payment deferrals after completing a forbearance plan decreased from 6,208 in October to 5,493 in November 2025.

Initiated forbearance plans decreased from 17,075 in October to 16,511 in November 2025. However, the total number of loans in forbearance increased from 42,112 at the end of October to 48,737 at the end of November 2025, representing approximately 0.16 percent of the total loans serviced and 7.92 percent of the total delinquent loans.

The Enterprises’ Mortgage Performance:

The 30-59-day delinquency rate rose to 1.17 percent while the serious delinquency rate increased to 0.57 percent at the end of November 2025.

The Enterprises’ Foreclosures:

Third-party and foreclosure sales decreased 20.3 percent to 1,050 while foreclosure starts declined 21.0 percent to 7,307 in November 2025.

November 2025 Highlights – Refinance Activities

Total refinance volume decreased in November compared with October 2025, even as mortgage rates remained stable. Mortgage rates remained flat, with the average 30-year fixed mortgage rate effectively unchanged at 6.24 percent in November, compared with 6.25 percent the prior month.

The share of cash-out refinances held steady at 36.5 percent of total refinance in November 2025, after increasing to as much as 82.4 percent at points over the past three years.

 

For full report, please click the source link above.