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U.S. Foreclosure Rates by State – December 2025

Industry Update
January 16, 2025

Source: ATTOM

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

  1. South Carolina

1 in every 1,917 housing units (1,253 filings / 2,401,638 units)

Counties: Dorchester, Kershaw, Florence, Berkeley

  1. Maryland

1 in every 1,961 housing units (1,298 filings / 2,545,532 units)

Counties: Baltimore City, Dorchester, Charles, Somerset

  1. Delaware

1 in every 2,044 housing units (224 filings / 457,958 units)

Counties: Kent, New Castle, Sussex

  1. Florida

1 in every 2,119 housing units (4,757 filings / 10,082,356 units)

Counties: Taylor, Charlotte, Osceola, Citrus

  1. Illinois

1 in every 2,245 housing units (2,425 filings / 5,443,501 units)

Counties: Dewitt, Edgar, Saint Clair, Clay

  1. Utah

1 in every 2,381 housing units (501 filings / 1,193,082 units)

Counties: Iron, Tooele, Wayne, Weber

  1. Nevada

1 in every 2,386 housing units (548 filings / 1,307,338 units)

Counties: Clark, Lyon, Nye, Humboldt

  1. Texas

1 in every 2,451 housing units (4,852 filings / 11,890,808 units)

Counties: Liberty, Borden, Kaufman, Caldwell

  1. Indiana

1 in every 2,544 housing units (1,161 filings / 2,953,344 units)

Counties: Sullivan, Daviess, Noble, Madison

  1. Ohio

1 in every 2,736 housing units (1,927 filings / 5,271,573 units)

Counties: Cuyahoga, Stark, Crawford, Marion

  1. Alabama

1 in every 2,825 housing units (820 filings / 2,316,192 units)

Counties: Hale, Lowndes, Bibb, Jefferson

  1. Georgia

1 in every 2,834 housing units (1,582 filings / 4,483,873 units)

Counties: Butts, Peach, Mcduffie, Jefferson

  1. Louisiana

1 in every 2,966 housing units (706 filings / 2,094,002 units)

Counties: Tangipahoa, Livingston, Ascension, Webster

  1. Colorado

1 in every 3,085 housing units (825 filings / 2,545,124 units)

Counties: Pueblo, Alamosa, Cheyenne, Sedgwick

  1. Iowa

1 in every 3,109 housing units (459 filings / 1,427,175 units)

Counties: Jones, Tama, Muscatine, Howard

  1. Oklahoma

1 in every 3,211 housing units (549 filings / 1,763,036 units)

Counties: Noble, Caddo, Woodward, Tulsa

  1. Michigan

1 in every 3,251 housing units (1,415 filings / 4,599,683 units)

Counties: Sanilac, Tuscola, Jackson, Muskegon

  1. Pennsylvania

1 in every 3,335 housing units (1,733 filings / 5,779,663 units)

Counties: Delaware, Philadelphia, Berks, Lancaster

  1. New York

1 in every 3,423 housing units (2,495 filings / 8,539,536 units)

Counties: Rockland, Washington, Richmond, Broome

  1. California

1 in every 3,499 housing units (4,153 filings / 14,532,683 units)

Counties: Shasta, El Dorado, Kern, San Bernardino

  1. Maine

1 in every 3,809 housing units (196 filings / 746,552 units)

Counties: Washington, Somerset, Penobscot, Waldo

  1. Arkansas

1 in every 3,873 housing units (357 filings / 1,382,664 units)

Counties: Grant, Prairie, Randolph, Clark

  1. Wyoming

1 in every 3,875 housing units (71 filings / 275,131 units)

Counties: Niobrara, Goshen, Converse, Natrona

  1. Arizona

1 in every 4,050 housing units (776 filings / 3,142,443 units)

Counties: Pinal, Santa Cruz, Cochise, Yuma

  1. Connecticut

1 in every 4,118 housing units (373 filings / 1,536,049 units)

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

  1. Idaho

1 in every 4,131 housing units (188 filings / 776,683 units)

Counties: Franklin, Elmore, Payette, Ada

  1. Virginia

1 in every 4,215 housing units (867 filings / 3,654,784 units)

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

  1. New Mexico

1 in every 4,336 housing units (219 filings / 949,524 units)

Counties: Union, Eddy, Torrance, Valencia

  1. North Carolina

1 in every 4,381 housing units (1,099 filings / 4,815,195 units)

Counties: Anson, Lee, Gates, Mcdowell

  1. Massachusetts

1 in every 4,388 housing units (687 filings / 3,014,657 units)

Counties: Hampden, Bristol, Plymouth, Worcester

  1. Tennessee

1 in every 4,572 housing units (677 filings / 3,095,472 units)

Counties: Hardeman, Moore, Hancock, Houston

  1. Minnesota

1 in every 4,666 housing units (540 filings / 2,519,538 units)

Counties: Martin, Dodge, Benton, Isanti

  1. Missouri

1 in every 4,955 housing units (567 filings / 2,809,501 units)

Counties: Scotland, Butler, Mississippi, Dunklin

  1. Washington

1 in every 5,549 housing units (588 filings / 3,262,667 units)

Counties: Pacific, Okanogan, Lewis, Grays Harbor

  1. Oregon

1 in every 6,212 housing units (296 filings / 1,838,631 units)

Counties: Gilliam, Columbia, Lake, Crook

  1. Mississippi

1 in every 6,470 housing units (206 filings / 1,332,811 units)

Counties: Franklin, Clay, Webster, Attala

  1. Nebraska

1 in every 6,685 housing units (128 filings / 855,631 units)

Counties: Clay, Morrill, York, Franklin

  1. Kentucky

1 in every 6,725 housing units (299 filings / 2,010,655 units)

Counties: Owen, Bell, Union, Barren

  1. Hawaii

1 in every 6,725 housing units (84 filings / 564,905 units)

Counties: Honolulu, Hawaii, Kauai, Maui

  1. Alaska

1 in every 6,933 housing units (46 filings / 318,927 units)

Counties: Sitka, North Slope, Ketchikan Gateway, Nome

  1. Rhode Island

1 in every 7,456 housing units (65 filings / 484,615 units)

Counties: Bristol, Kent, Newport, Providence

  1. New Hampshire

1 in every 7,857 housing units (82 filings / 644,253 units)

Counties: Sullivan, Merrimack, Hillsborough, Coos

  1. West Virginia

1 in every 9,049 housing units (95 filings / 859,653 units)

Counties: Marion, Wetzel, Raleigh, Wayne

  1. Kansas

1 in every 9,663 housing units (133 filings / 1,285,221 units)

Counties: Pawnee, Morton, Geary, Anderson

  1. Wisconsin

1 in every 10,621 housing units (259 filings / 2,750,750 units)

Counties: Langlade, Juneau, Marinette, Racine

  1. North Dakota

1 in every 12,496 housing units (30 filings / 374,866 units)

Counties: Griggs, Mchenry, Pembina, Richland

  1. Montana

1 in every 15,381 housing units (34 filings / 522,939 units)

Counties: Sweet Grass, Daniels, Lincoln, Roosevelt

  1. Vermont

1 in every 25,929 housing units (13 filings / 337,072 units)

Counties: Rutland, Orange, Washington, Caledonia

  1. 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.

 

For full report, please click the source link above.

 

Related Posts

U.S. Foreclosure Rates by State – December 2025

ATTOM released the complete list of foreclosure rankings by state, including the counties with the worst rates in each area for Dec. 2025.

Read More

U.S. Foreclosure Activity Increases in 2025

ATTOM released the Year-End 2025 U.S. Foreclosure Market Report, showing foreclosure filings were up 14% over 2024.

Read More

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Michael Greenbaum is the Chief Operating Officer of Safeguard Properties, where he has played a pivotal role since joining the company in July 2010. Initially brought on as Vice President of REO, Mike’s exceptional leadership and strategic vision quickly propelled him to Vice President of Operations in 2013, and ultimately to COO in 2015. Over his 14-year tenure at Safeguard, Mike has been instrumental in driving change and fostering innovation within the Property Preservation sector, consistently delivering excellence and becoming a trusted partner to clients and investors.

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