Safeguard Properties
  • Property Inspections
  • Insurance Policy Inspections
  • Property Data Collection
  • Insurance Loss Inspections
  • Property Preservation
  • FHA Conveyance
  • Real Estate Owned (REO)
  • Resources
Skip to content

<- Return To Industry Updates

U.S. Foreclosure Rates by State – April 2026

Industry Update
May 15, 2026

Source: ATTOM

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

In April 2026, U.S. foreclosure activity declined from the prior month but remained higher than levels reported one year earlier, continuing a gradual normalization trend in the housing market.

Total filings: 42,430 properties with default notices, scheduled auctions, or bank repossessions

Monthly change: Down 8 percent from March 2026

Year-over-year change: Up 18 percent from April 2025

National rate: One in every 3,388 housing units had a foreclosure filing

States with the worst foreclosure rates: Delaware, South Carolina, Florida, Indiana, Illinois

Foreclosure Starts and Completions

Starts: Lenders initiated foreclosure proceedings on 28,414 U.S. properties during April 2026, down 6 percent from March and up 12 percent above the level seen one year earlier.

Completions (REOs): Lenders repossessed 5,098 properties in April 2026, down 3 percent from the previous month but up 42 percent from April 2025.

What’s Driving April 2026 Foreclosure Trends?

Foreclosure activity in April 2026 continued to reflect a broader normalization trend following pandemic-era lows. While overall filings declined from the prior month, foreclosure activity remained above year-ago levels, suggesting lenders continue working through distressed inventory as higher borrowing costs and affordability challenges impact some homeowners. Strong homeowner equity, relatively tight underwriting standards, and continued housing demand continue to limit widespread foreclosure pressure.

Foreclosure Rates by State –  April 2026

  1. Delaware

1 in every 1,739 housing units (267 filings / 464,203 units)

Counties: Kent, New Castle, Sussex

  1. South Carolina

1 in every 1,745 housing units (1,400 filings / 2,443,039 units)

Counties: Dorchester, Kershaw, Richland, Berkeley

  1. Florida

1 in every 2,092 housing units (4,902 filings / 10,256,470 units)

Counties: Union, Lafayette, Taylor, Polk

  1. Indiana

1 in every 2,129 housing units (1,398 filings / 2,976,568 units)

Counties: Clinton, Sullivan, Lake, Greene

  1. Illinois

1 in every 2,262 housing units (2,413 filings / 5,457,452 units)

Counties: Pike, Saint Clair, Will, Montgomery

  1. New Jersey

1 in every 2,345 housing units (1,617 filings / 3,791,354 units)

Counties: Salem, Cumberland, Gloucester, Camden

  1. Nevada

1 in every 2,412 housing units (550 filings / 1,326,471 units)

Counties: Clark, Lyon, Lander, Churchill

  1. North Carolina

1 in every 2,419 housing units (2,024 filings / 4,895,668 units)

Counties: Perquimans, Camden, Jones, Craven

  1. Utah

1 in every 2,660 housing units (460 filings / 1,223,468 units)

Counties: Tooele, Daggett, Garfield, Box Elder

  1. Idaho

1 in every 2,760 housing units (288 filings / 795,014 units)

Counties: Canyon, Caribou, Washington, Owyhee

  1. Ohio

1 in every 2,977 housing units (1,778 filings / 5,292,391 units)

Counties: Marion, Highland, Logan, Stark

  1. Georgia

1 in every 3,022 housing units (1,503 filings / 4,541,835 units)

Counties: Bibb, Rockdale, Douglas, Spalding

  1. Alabama

1 in every 3,039 housing units (769 filings / 2,337,265 units)

Counties: Dale, Calhoun, Mobile, Montgomery

  1. Texas

1 in every 3,197 housing units (3,794 filings / 12,128,515 units)

Counties: Terrell, Caldwell, Hunt, Bastrop

  1. California

1 in every 3,314 housing units (4,419 filings / 14,644,735 units)

Counties: Lake, Madera, Kern, Shasta

  1. Minnesota

1 in every 3,322 housing units (766 filings / 2,545,030 units)

Counties: Jackson, Wilkin, Dodge, Lac Qui Parle

  1. Maryland

1 in every 3,334 housing units (768 filings / 2,560,784 units)

Counties: Baltimore City, Caroline, Charles, Allegany

  1. Iowa

1 in every 3,490 housing units (412 filings / 1,437,699 units)

Counties: Jasper, Monroe, Appanoose, Boone

  1. Pennsylvania

1 in every 3,558 housing units (1,632 filings / 5,806,452 units)Counties: Delaware, Jefferson, Philadelphia, Allegheny

  1. Montana

1 in every 3,670 housing units (144 filings / 528,419 units)

Counties: Prairie, Sheridan, Toole, Wheatland

  1. Michigan

1 in every 3,677 housing units (1,257 filings / 4,622,236 units)

Counties: Jackson, Newaygo, Wayne, Lenawee

  1. Wyoming

1 in every 3,695 housing units (75 filings / 277,141 units)

Counties: Carbon, Washakie, Niobrara, Goshen

  1. Oklahoma

1 in every 3,809 housing units (466 filings / 1,775,127 units)

Counties: Cleveland, Canadian, Tulsa, MUSKOGEE

  1. Colorado

1 in every 3,858 housing units (671 filings / 2,589,053 units)

Counties: Morgan, Clear Creek, Logan, Elbert

  1. Arkansas

1 in every 4,201 housing units (332 filings / 1,394,673 units)

Counties: Cleveland, Arkansas, Jefferson, Grant

  1. New York

1 in every 4,215 housing units (2,037 filings / 8,585,241 units)

Counties: Cortland, Orleans, Orange, Chemung

  1. Louisiana

1 in every 4,403 housing units (479 filings / 2,108,902 units)

Counties: Livingston, Tangipahoa, West Baton Rouge, Calcasieu

  1. Arizona

1 in every 4,542 housing units (703 filings / 3,192,839 units)

Counties: Pinal, Mohave, Cochise, Santa Cruz

  1. Alaska

1 in every 4,568 housing units (70 filings / 319,781 units)

Counties: Anchorage, Kenai Peninsula, Sitka, Fairbanks North Star

  1. New Mexico

1 in every 4,691 housing units (204 filings / 956,964 units)

Counties: Valencia, Chaves, Torrance, Eddy

  1. Virginia

1 in every 4,823 housing units (764 filings / 3,684,756 units)

Counties: Colonial Heights City, Emporia City, Hopewell City, Petersburg City

  1. Nebraska

1 in every 5,430 housing units (159 filings / 863,444 units)

Counties: Merrick, Thayer, Frontier, Keith

  1. Maine

1 in every 5,448 housing units (138 filings / 751,876 units)

Counties: Aroostook, Piscataquis, Penobscot, Waldo

  1. North Dakota

1 in every 5,716 housing units (66 filings / 377,281 units)

Counties: Sargent, Bottineau, Renville, Bowman

  1. Missouri

1 in every 5,837 housing units (484 filings / 2,825,287 units)

Counties: Lawrence, Oregon, Monroe, Scott

  1. Connecticut

1 in every 5,840 housing units (264 filings / 1,541,822 units)

Counties: South Central Connecticut, Naugatuck Valley, Northwest Hills, Greater Bridgeport

  1. Kentucky

1 in every 6,075 housing units (333 filings / 2,023,116 units)

Counties: Jefferson, Boyd, Franklin, Grant

  1. Oregon

1 in every 6,363 housing units (292 filings / 1,857,992 units)

Counties: Lake, Klamath, Jefferson, Josephine

  1. South Dakota

1 in every 6,430 housing units (63 filings / 405,114 units)

Counties: Hyde, Brule, Aurora, Turner

  1. Hawaii

1 in every 6,453 housing units (88 filings / 567,896 units)

Counties: Hawaii, Honolulu, Kauai, Maui

  1. Massachusetts

1 in every 6,810 housing units (445 filings / 3,030,406 units)

Counties: Plymouth, Hampden, Bristol, Franklin

  1. Wisconsin

1 in every 7,489 housing units (371 filings / 2,778,572 units)

Counties: Pepin, Sauk, Racine, Langlade

  1. Washington

1 in every 7,637 housing units (433 filings / 3,306,620 units)

Counties: Cowlitz, Mason, Grays Harbor, Adams

  1. Tennessee

1 in every 7,939 housing units (396 filings / 3,143,670 units)

Counties: Sequatchie, Haywood, Obion, Lake

  1. New Hampshire

1 in every 8,646 housing units (75 filings / 648,472 units)

Counties: Coos, Carroll, Cheshire, Strafford

  1. Mississippi

1 in every 8,823 housing units (152 filings / 1,341,114 units)

Counties: Issaquena, Covington, Washington, Marshall

  1. West Virginia

1 in every 13,672 housing units (63 filings / 861,325 units)

Counties: Roane, Taylor, Fayette, Kanawha

  1. Kansas

1 in every 15,042 housing units (86 filings / 1,293,635 units)

Counties: Hodgeman, Comanche, Harper, Dickinson

  1. Rhode Island

1 in every 17,355 housing units (28 filings / 485,932 units)

Counties: Providence, Kent, Newport, Washington

  1. Vermont

1 in every 21,190 housing units (16 filings / 339,042 units)

Counties: Rutland, Bennington, Orange, Washington

Key Insights from April 2026 Foreclosure Market Report

Foreclosure activity in April 2026 declined compared with the previous month but remained above year-ago levels, continuing the ongoing normalization trend. Foreclosure starts increased annually and completed foreclosures (REOs) posted another year-over-year rise. Despite the annual increases, overall foreclosure activity remains significantly below peak levels seen during the housing crisis.

 

For full report, please click the source link above.

 

Related Posts

Zombie Foreclosure Rates by State – Q2 2026

In Q2 2026, the share of zombie foreclosures across the US remained a small portion of properties in the foreclosure process.

Read More

Zombie Foreclosures Rise in Most States in Second Quarter

ATTOM released its latest Vacant Property and Zombie Foreclosure Report showing nearly 1.4 million homes were vacant in Q2 of 2026.

Read More

  • + Event
    • NPPC
    • Vendor Events
    • Industry Conferences
    • Community Events
  • + Featured Resources
    • Disaster Updates
    • FEMA Alerts
    • Industry Updates
    • Investor and Regulatory Updates
  • Conferences and Events
  • + Newsroom
    • Safeguard in the News
    • Editorials
    • News Releases
<- Back To Newsroom Next Article ->

Have an RFP, RFQ, or RFI?

We welcome opportunities to partner with servicers, sub-servicers, credit unions, housing authorities, federal, state, and local agencies, and other institutional clients.

Please send all RFP/RFQ/RFI inquiries to carrie.tackett@safeguardproperties.com

Contact Us

Reach out to us via phone, email, or the form below.

Fields marked with an * are required

Our Information

Safeguard Properties

9445 Rockside Rd. Suite 100

Valley View, OH 44125

216.739.2900

Media Inquiries: safeguard.communication@safeguardproperties.com

24-Hour Complaint Hotline:

855.563.9154

Transparency in Coverage Information - Click Here

Connect

  • Facebook
  • LinkedIn
  • Youtube

Our Partners

© Copyright Safeguard Properties 2026

Privacy
Legal Information