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U.S. Foreclosure Rates by State – February 2026

Industry Update
March 13, 2026

Source: ATTOM

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

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

Total filings: 38,840 properties with default notices, scheduled auctions, or bank repossessions

Monthly change: Down 4 percent from January 2026

Year-over-year change: Up 20 percent from February 2025

National rate: One in every 3,701 housing units had a foreclosure filing

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

Foreclosure Starts and Completions

Starts: Lenders initiated foreclosure proceedings on 25,928 U.S. properties during February 2026, down 2 percent from January but 14 percent above the level seen one year earlier.

Completions (REOs): Lenders repossessed 4,077 properties, down 14 percent from the previous month but up 35 percent from a year ago.

What’s Driving February 2026 Foreclosure Trends?

Foreclosure activity in February 2026 marked the twelfth consecutive month of year-over-year increases, extending a gradual upward trend that began early last year. While filings dipped slightly from January, both foreclosure starts and completed foreclosures remain higher than they were a year ago.

The increase reflects a continued normalization of foreclosure activity following the historically low levels seen during and immediately after the pandemic period. While filings have risen, foreclosure activity remains well below levels recorded during the housing crisis, with strong homeowner equity, tighter lending standards, and ongoing housing demand continuing to limit widespread homeowner distress.

Foreclosure Rates by State – February 2026

1. Indiana

1 in every 1,597 housing units (1,864 filings / 2,976,568 units)

Counties: Morgan, Grant, Madison, Shelby

2. South Carolina

1 in every 2,217 housing units (1,102 filings / 2,443,039 units)

Counties: Dorchester, Kershaw, Chester, Lexington

3. Florida

1 in every 2,277 housing units (4,504 filings / 10,256,470 units)

Counties: Taylor, Highlands, Polk, Osceola

4. Delaware

1 in every 2,443 housing units (190 filings / 464,203 units)

Counties: Kent, New Castle, Sussex

5. Illinois

1 in every 2,590 housing units (2,107 filings / 5,457,452 units)

Counties: Clay, Stephenson, Saint Clair, Will

6. Ohio

1 in every 2,787 housing units (1,899 filings / 5,292,391 units)

Counties: Cuyahoga, Highland, Jefferson, Lake

7. New Jersey

1 in every 2,798 housing units (1,355 filings / 3,791,354 units)

Counties: Cumberland, Salem, Camden, Sussex

8. Nevada

1 in every 2,915 housing units (455 filings / 1,326,471 units)

Counties: Mineral, Lander, Lyon, Churchill

9. Utah

1 in every 2,984 housing units (410 filings / 1,223,468 units)

Counties: Millard, Wayne, Box Elder, Morgan

10. Texas

1 in every 3,156 housing units (3,843 filings / 12,128,515 units)

Counties: Liberty, Johnson, Culberson, Caldwell

11. Maryland

1 in every 3,201 housing units (800 filings / 2,560,784 units)

Counties: Baltimore City, Somerset, Calvert, Charles

12. Georgia

1 in every 3,237 housing units (1,403 filings / 4,541,835 units)

Counties: Troup, Baldwin, Henry, Webster

13. Michigan

1 in every 3,419 housing units (1,352 filings / 4,622,236 units)

Counties: Wayne, Gratiot, Hillsdale, Menominee

14. Iowa

1 in every 3,456 housing units (416 filings / 1,437,699 units)

Counties: Van Buren, Palo Alto, Fayette, Taylor

15. North Carolina

1 in every 3,457 housing units (1,416 filings / 4,895,668 units)

Counties: Nash, Pasquotank, Hoke, Cleveland

16. California

1 in every 3,612 housing units (4,055 filings / 14,644,735 units)

Counties: Lake, Shasta, Kings, Butte

17. Alabama

1 in every 3,800 housing units (615 filings / 2,337,265 units)

Counties: Clarke, Calhoun, Jefferson, Russell

18. Wyoming

1 in every 4,017 housing units (69 filings / 277,141 units)

Counties: Carbon, Niobrara, Converse, Sweetwater

19. New Mexico

1 in every 4,072 housing units (235 filings / 956,964 units)

Counties: Eddy, Dona Ana, Quay, Chaves

20. Arizona

1 in every 4,099 housing units (779 filings / 3,192,839 units)

Counties: Pinal, Cochise, Graham, Greenlee

21. Idaho

1 in every 4,141 housing units (192 filings / 795,014 units)

Counties: Clark, Gem, Bingham, Shoshone

22. Connecticut

1 in every 4,167 housing units (370 filings / 1,541,822 units)

Counties: Greater Bridgeport, Northeastern Connecticut, South Central Connecticut, Northwest Hills

23. Oklahoma

1 in every 4,177 housing units (425 filings / 1,775,127 units)

Counties: Seminole, Coal, Murray, Cimarron

24. Pennsylvania

1 in every 4,180 housing units (1,389 filings / 5,806,452 units)

Counties: Montour, Washington, Jefferson, Philadelphia

25. Colorado

1 in every 4,203 housing units (616 filings / 2,589,053 units)

Counties: Morgan, Washington, Pueblo, Crowley

26. New York

1 in every 4,796 housing units (1,790 filings / 8,585,241 units)

Counties: Rockland, Orange, Chemung, Putnam

27. Arkansas

1 in every 5,427 housing units (257 filings / 1,394,673 units)

Counties: Dallas, Bradley, Clay, Ashley

28. Louisiana

1 in every 5,463 housing units (386 filings / 2,108,902 units)

Counties: Iberville, Calcasieu, Plaquemines, Ascension

29. Maine

1 in every 5,529 housing units (136 filings / 751,876 units)

Counties: Aroostook, Kennebec, Penobscot, Somerset

30. Missouri

1 in every 5,595 housing units (505 filings / 2,825,287 units)

Counties: Webster, Oregon, Mississippi, Butler

31. Massachusetts

1 in every 5,622 housing units (539 filings / 3,030,406 units)

Counties: Hampden, Berkshire, Franklin, Dukes

32. Tennessee

1 in every 6,213 housing units (506 filings / 3,143,670 units)

Counties: Meigs, Pickett, Humphreys, Hardin

33. Kentucky

1 in every 6,464 housing units (313 filings / 2,023,116 units)

Counties: Menifee, Jackson, Barren, Marion

34. Alaska

1 in every 6,804 housing units (47 filings / 319,781 units)

Counties: Juneau, Dillingham, Sitka, Matanuska-Susitna

35. Minnesota

1 in every 7,420 housing units (343 filings / 2,545,030 units)

Counties: Waseca, Stearns, Mcleod, Carlton

36. Oregon

1 in every 7,584 housing units (245 filings / 1,857,992 units)

Counties: Malheur, Lake, Jefferson, Crook

37. Hawaii

1 in every 7,779 housing units (73 filings / 567,896 units)

Counties: Honolulu, Hawaii, Maui, Kauai

38. Washington

1 in every 7,930 housing units (417 filings / 3,306,620 units)

Counties: Lewis, Pierce, Island, Grays Harbor

39. Wisconsin

1 in every 8,124 housing units (342 filings / 2,778,572 units)

Counties: Taylor, Langlade, Juneau, Iron

40. Virginia

1 in every 8,965 housing units (411 filings / 3,684,756 units)

Counties: Galax City, Charles City, Wythe, Martinsville City

41. Mississippi

1 in every 9,511 housing units (141 filings / 1,341,114 units)

Counties: Lawrence, Sunflower, Pike, Lee

42. Nebraska

1 in every 9,594 housing units (90 filings / 863,444 units)

Counties: Hamilton, Washington, Red Willow, Scotts Bluff

43. New Hampshire

1 in every 10,808 housing units (60 filings / 648,472 units)

Counties: Cheshire, Grafton, Strafford, Coos

44. North Dakota

1 in every 11,097 housing units (34 filings / 377,281 units)

Counties: Traill, Bottineau, Richland, Rolette

45. Kansas

1 in every 12,204 housing units (106 filings / 1,293,635 units)

Counties: Anderson, Ness, Brown, Kearny

46. Rhode Island

1 in every 13,133 housing units (37 filings / 485,932 units)

Counties: Bristol, Providence, Kent, Washington

47. Montana

1 in every 16,513 housing units (32 filings / 528,419 units)

Counties: Toole, Glacier, Jefferson, Carbon

48. South Dakota

1 in every 23,830 housing units (17 filings / 405,114 units)

Counties: Pennington, Minnehaha, Codington

49. Vermont

1 in every 33,904 housing units (10 filings / 339,042 units)

Counties: Washington, Windham, Franklin, Rutland

50. West Virginia

1 in every 43,066 housing units (20 filings / 861,325 units)

Counties: Tyler, Roane, Lincoln, Mercer

Key Insights from February 2026 Foreclosure Market Report

Foreclosure activity in February 2026 continued its gradual upward trajectory on a year-over-year basis. While filings declined slightly from the previous month, both foreclosure starts and completed foreclosures remained elevated compared with February 2025.  Despite these increases, overall foreclosure activity remains far below the levels seen during the housing crisis, suggesting the current rise reflects a normalization process rather than widespread homeowner distress.

For full report, please click the source link above.