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U.S. Foreclosure Rates by State – November 2025

Industry Update
December 12, 2025

Source: ATTOM

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

In November 2025, U.S. foreclosure activity dipped slightly from the prior month but continued to trend higher than a year earlier.

Total filings: 35,651 properties with default notices, scheduled auctions, or bank repossessions

Monthly change: Down 3% from October 2025

Year-over-year change: Up 21% from November 2024

National rate: One in every 3,992 housing units had a foreclosure filing

States with the worst foreclosure rates: Delaware, South Carolina, Nevada, New Jersey, and Florida

Foreclosure Starts and Completions

Starts: Lenders initiated foreclosure proceedings on 23,720 U.S. properties during November 2025 — a 6% decrease from October but still 17% above the level seen one year ago.

Completions (REOs): Lenders repossessed 3,884 properties, essentially flat month-over-month but up 26% compared to November 2024.

What’s Driving November 2025 Foreclosure Trends?

Foreclosure rates in November 2025 were highest in Delaware, South Carolina, and Nevada, with New Jersey and Florida also among the most affected states. This geographic spread, from the Mid-Atlantic to the Southeast and West, suggests that foreclosure activity is being shaped by nationwide affordability hurdles, persistent borrowing costs, and localized market pressures rather than a single regional driver.

Foreclosure Rates by State – November 2025

Below is the complete state-by-state foreclosure ranking for November 2025 and the top 4 counties with the worst foreclosure rates per state.

  1. Delaware

1 in every 1,924 housing units (238 filings / 457,958 units)

Counties: New Castle, Kent, Sussex

  1. South Carolina

1 in every 1,973 housing units (1,217 filings / 2,401,638 units)

Counties: Dorchester, Spartanburg, Richland, Kershaw

  1. Nevada

1 in every 2,373 housing units (551 filings / 1,307,338 units)

Counties: Lyon, Clark, Lincoln, Elko

  1. New Jersey

1 in every 2,511 housing units (1,504 filings / 3,775,842 units)

Counties: Salem, Cumberland, Sussex, Gloucester

  1. Florida

1 in every 2,565 housing units (3,930 filings / 10,082,356 units)

Counties: Hendry, Hamilton, Wakulla, Charlotte

  1. Indiana

1 in every 2,802 housing units (1,054 filings / 2,953,344 units)

Counties: Martin, Pike, Perry, Lake

  1. Illinois

1 in every 3,028 housing units (1,798 filings / 5,443,501 units)

Counties: Marshall, Kankakee, Will, Mason

  1. Pennsylvania

1 in every 3,163 housing units (1,827 filings / 5,779,663 units)

Counties: Philadelphia, Potter, Delaware, Warren

  1. Utah

1 in every 3,233 housing units (369 filings / 1,193,082 units)

Counties: Carbon, Piute, Tooele, Millard

  1. Maryland

1 in every 3,349 housing units (760 filings / 2,545,532 units)

Counties: Baltimore City, Charles, Kent, Calvert

  1. Ohio

1 in every 3,576 housing units (1,474 filings / 5,271,573 units)

Counties: Cuyahoga, Knox, Jefferson, Columbiana

  1. Iowa

1 in every 3,697 housing units (386 filings / 1,427,175 units)

Counties: Adams, Wayne, Decatur, Pocahontas

  1. Idaho

1 in every 3,716 housing units (209 filings / 776,683 units)

Counties: Washington, Payette, Lincoln, Oneida

  1. Texas

1 in every 3,765 housing units (3,158 filings / 11,890,808 units)

Counties: Liberty, Archer, Terry, Caldwell

  1. Oklahoma

1 in every 3,783 housing units (466 filings / 1,763,036 units)

Counties: Logan, Ottawa, Jackson, Seminole

  1. Louisiana

1 in every 3,885 housing units (539 filings / 2,094,002 units)

Counties: Tangipahoa, Livingston, Red River, Iberville

  1. Arizona

1 in every 3,948 housing units (796 filings / 3,142,443 units)

Counties: Graham, Pinal, Cochise, Greenlee

  1. North Carolina

1 in every 4,077 housing units (1,181 filings / 4,815,195 units)

Counties: Gates, Hertford, Cleveland, Hoke

  1. California

1 in every 4,112 housing units (3,534 filings / 14,532,683 units)

Counties: Lake, Madera, Shasta, Butte

  1. Alaska

1 in every 4,196 housing units (76 filings / 318,927 units)

Counties: Sitka, Aleutians West, Southeast Fairbanks, Kenai Peninsula

  1. Georgia

1 in every 4,295 housing units (1,044 filings / 4,483,873 units)

Counties: Crawford, McIntosh, Lanier, Baldwin

  1. Arkansas

1 in every 4,403 housing units (314 filings / 1,382,664 units)

Counties: Sharp, Crittenden, Desha, Hot Spring

  1. Wyoming

1 in every 4,586 housing units (60 filings / 275,131 units)

Counties: Campbell, Converse, Fremont, Natrona

  1. Alabama

1 in every 4,651 housing units (498 filings / 2,316,192 units)

Counties: Perry, Hale, Franklin, Monroe

  1. New York

1 in every 4,776 housing units (1,788 filings / 8,539,536 units)

Counties: Rockland, Nassau, Putnam, Cayuga

  1. Minnesota

1 in every 4,931 housing units (511 filings / 2,519,538 units)

Counties: Pipestone, Stearns, Pine, Sherburne

  1. Michigan

1 in every 5,116 housing units (899 filings / 4,599,683 units)

Counties: Saint Clair, Tuscola, Shiawassee, Oceana

  1. Kentucky

1 in every 5,263 housing units (382 filings / 2,010,655 units)

Counties: Boyd, Simpson, Breckinridge, Henry

  1. Connecticut

1 in every 5,279 housing units (291 filings / 1,536,049 units)

Counties: Northeastern Connecticut, South Central Connecticut, Northwest Hills, Southeastern Connecticut

  1. Virginia

1 in every 5,328 housing units (686 filings / 3,654,784 units)

Counties: Petersburg City, Dinwiddie, Martinsville City, Emporia City

  1. Colorado

1 in every 5,336 housing units (477 filings / 2,545,124 units)

Counties: Logan, Jackson, Pueblo, Morgan

  1. New Mexico

1 in every 5,553 housing units (171 filings / 949,524 units)

Counties: Roosevelt, Valencia, Chaves, Colfax

  1. Maine

1 in every 5,656 housing units (132 filings / 746,552 units)

Counties: Somerset, Oxford, Penobscot, York

  1. Washington

1 in every 5,734 housing units (569 filings / 3,262,667 units)

Counties: Wahkiakum, Clallam, Cowlitz, Lewis

  1. Oregon

1 in every 5,818 housing units (316 filings / 1,838,631 units)

Counties: Wheeler, Crook, Columbia, Lake

  1. Tennessee

1 in every 5,863 housing units (528 filings / 3,095,472 units)

Counties: Hickman, Hancock, Trousdale, Meigs

  1. Rhode Island

1 in every 6,213 housing units (78 filings / 484,615 units)

Counties: Providence, Kent, Washington, Bristol

  1. Missouri

1 in every 6,754 housing units (416 filings / 2,809,501 units)

Counties: Chariton, Clinton, Audrain, Knox

  1. New Hampshire

1 in every 6,854 housing units (94 filings / 644,253 units)

Counties: Cheshire, Sullivan, Coos, Rockingham

  1. Massachusetts

1 in every 7,299 housing units (413 filings / 3,014,657 units)

Counties: Franklin, Berkshire, Plymouth, Hampden

  1. Nebraska

1 in every 8,821 housing units (97 filings / 855,631 units)

Counties: Clay, Jefferson, Scotts Bluff, Hamilton

  1. Wisconsin

1 in every 9,139 housing units (301 filings / 2,750,750 units)

Counties: Iron, Racine, Ashland, Dodge

  1. Hawaii

1 in every 9,911 housing units (57 filings / 564,905 units)

Counties: Hawaii, Honolulu, Maui, Kauai

  1. North Dakota

1 in every 11,360 housing units (33 filings / 374,866 units)

Counties: Foster, Stark, McHenry, Pembina

  1. Mississippi

1 in every 11,795 housing units (113 filings / 1,332,811 units)

Counties: Humphreys, Stone, Chickasaw, Claiborne

  1. Montana

1 in every 12,161 housing units (43 filings / 522,939 units)

Counties: Golden Valley, Fallon, Big Horn, Mineral

  1. Kansas

1 in every 13,529 housing units (95 filings / 1,285,221 units)

Counties: Morton, Rush, Stafford, Scott

  1. Vermont

1 in every 28,089 housing units (12 filings / 337,072 units)

Counties: Orleans, Washington, Rutland, Windsor

  1. West Virginia

1 in every 33,064 housing units (26 filings / 859,653 units)

Counties: Jefferson, Marion, Roane, McDowell

  1. South Dakota

1 in every 44,323 housing units (9 filings / 398,903 units)

Counties: Hughes, Brown, Minnehaha

 

For full report, please click the source link above.

 

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