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U.S. Foreclosure Rates by State – October 2025

Industry Update
November 14, 2025

Source: ATTOM

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

In October 2025, foreclosure activity across the U.S. ticked up from the previous month and remained elevated compared to a year ago.

Total filings: 36,766 properties with default notices, scheduled auctions, or bank repossessions

Monthly change: Up 3% from September 2025

Year-over-year change: Up 19% from October 2024

National rate: One in every 3,871 housing units had a foreclosure filing

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

Foreclosure Starts and Completions

Starts: 25,129 U.S. properties began the foreclosure process in October 2025 — up 6% from September and up 20% year-over-year.

Completions (REOs): Lenders repossessed 3,872 U.S. properties, up 2% month-over-month and up 32% from October 2024.

Summary:

With both starts and completions rising compared to a year ago, and overall filings up from the prior month, October’s foreclosure numbers point to continued upward pressure in select markets, even as activity overall remains below historic peaks.

What’s Driving October 2025 Foreclosure Trends?

Florida led the nation with the worst foreclosure rate in October 2025, followed by South Carolina and Illinois, with Delaware and Nevada rounding out the top five. This mix of states across the Southeast, Midwest, and West suggests that rising foreclosure activity is not confined to a single region but instead reflects broader affordability challenges, higher borrowing costs, and ongoing financial strain for some homeowners nationwide.

Foreclosure Rates by State – October 2025

Below is the complete state-by-state foreclosure ranking for October 2025 and the top 3 counties with the worst foreclosure rates per state.

  1. Florida – 1 in every 1,829 housing units (5,512 filings / 10,082,356 units)

Counties: Osceola, Charlotte, Okeechobee

  1. South Carolina – 1 in every 1,982 housing units (1,212 filings / 2,401,638 units)

Counties: Dorchester, Lee, Spartanburg

  1. Illinois – 1 in every 2,570 housing units (2,118 filings / 5,443,501 units)

Counties: Clinton, Lee, Coles

  1. Delaware – 1 in every 2,710 housing units (169 filings / 457,958 units)

Counties: Kent, New Castle, Sussex

  1. Nevada – 1 in every 2,747 housing units (476 filings / 1,307,338 units)

Counties: Lyon, Churchill, Mineral

  1. Ohio – 1 in every 3,079 housing units (1,712 filings / 5,271,573 units)

Counties: Fayette, Knox, Seneca

  1. Iowa – 1 in every 3,222 housing units (443 filings / 1,427,175 units)

Counties: Wapello, Tama, Cherokee

  1. Maryland – 1 in every 3,272 housing units (778 filings / 2,545,532 units)

Counties: Baltimore City, Calvert, Somerset

  1. Utah – 1 in every 3,278 housing units (364 filings / 1,193,082 units)

Counties: Tooele, Millard, Box Elder

  1. California – 1 in every 3,407 housing units (4,265 filings / 14,532,683 units)

Counties: Shasta, Mendocino, Kings

  1. Texas – 1 in every 3,456 housing units (3,441 filings / 11,890,808 units)

Counties: Liberty, San Jacinto, Franklin

  1. New Jersey – 1 in every 3,716 housing units (1,016 filings / 3,775,842 units)

Counties: Sussex, Cumberland, Atlantic

  1. Idaho – 1 in every 3,770 housing units (206 filings / 776,683 units)

Counties: Washington, Gooding, Gem

  1. Oklahoma – 1 in every 3,816 housing units (462 filings / 1,763,036 units)

Counties: Canadian, Jackson, Marshall

  1. Georgia – 1 in every 4,073 housing units (1,101 filings / 4,483,873 units)

Counties: Johnson, Newton, Wilkes

  1. Connecticut – 1 in every 4,085 housing units (376 filings / 1,536,049 units)

Counties: Greater Bridgeport, Northeastern Connecticut, Naugatuck Valley

  1. Maine – 1 in every 4,218 housing units (177 filings / 746,552 units)

Counties: Sagadahoc, Waldo, Penobscot

  1. North Carolina – 1 in every 4,242 housing units (1,135 filings / 4,815,195 units)

Counties: Camden, Pender, Rowan

  1. Arizona – 1 in every 4,352 housing units (722 filings / 3,142,443 units)

Counties: Pinal, Yuma, Cochise

  1. Indiana – 1 in every 4,421 housing units (668 filings / 2,953,344 units)

Counties: Blackford, Noble, Jasper

  1. Colorado – 1 in every 4,529 housing units (562 filings / 2,545,124 units)

Counties: Morgan, Sedgwick, Pueblo

  1. Louisiana – 1 in every 4,602 housing units (455 filings / 2,094,002 units)

Counties: Iberville, Ascension, Beauregard

  1. Arkansas – 1 in every 4,719 housing units (293 filings / 1,382,664 units)

Counties: Cleveland, Poinsett, Van Buren

  1. New York – 1 in every 4,765 housing units (1,792 filings / 8,539,536 units)

Counties: Broome, Orange, Tioga

  1. Michigan – 1 in every 4,776 housing units (963 filings / 4,599,683 units)

Counties: Muskegon, Monroe, Hillsdale

  1. Massachusetts – 1 in every 5,101 housing units (591 filings / 3,014,657 units)

Counties: Hampden, Berkshire, Dukes

  1. Alaska – 1 in every 5,406 housing units (59 filings / 318,927 units)

Counties: Dillingham, Haines, Bethel

  1. Wyoming – 1 in every 5,503 housing units (50 filings / 275,131 units)

Counties: Carbon, Campbell, Sublette

  1. Pennsylvania – 1 in every 5,809 housing units (995 filings / 5,779,663 units)

Counties: Monroe, Philadelphia, Snyder

  1. Virginia – 1 in every 5,895 housing units (620 filings / 3,654,784 units)

Counties: Staunton City, Emporia City, Buena Vista City

  1. Tennessee – 1 in every 5,941 housing units (521 filings / 3,095,472 units)

Counties: Lake, Crockett, Hawkins

  1. Kentucky – 1 in every 6,111 housing units (329 filings / 2,010,655 units)

Counties: Whitley, Bath, Grant

  1. Missouri – 1 in every 6,121 housing units (459 filings / 2,809,501 units)

Counties: Scott, Mississippi, Barton

  1. New Mexico – 1 in every 6,288 housing units (151 filings / 949,524 units)

Counties: Valencia, Torrance, Chaves

  1. Alabama – 1 in every 6,416 housing units (361 filings / 2,316,192 units)

Counties: Jefferson, Geneva, Chilton

  1. Washington – 1 in every 6,578 housing units (496 filings / 3,262,667 units)

Counties: Garfield, Clallam, Franklin

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

Counties: Hawaii, Honolulu, Kauai

  1. Minnesota – 1 in every 6,903 housing units (365 filings / 2,519,538 units)

Counties: Isanti, Wadena, Wabasha

  1. Nebraska – 1 in every 7,506 housing units (114 filings / 855,631 units)

Counties: Red Willow, Webster, Wayne

  1. Oregon – 1 in every 7,857 housing units (234 filings / 1,838,631 units)

Counties: Lake, Umatilla, Clackamas

  1. Rhode Island – 1 in every 8,355 housing units (58 filings / 484,615 units)

Counties: Washington, Providence, Kent

  1. New Hampshire – 1 in every 8,948 housing units (72 filings / 644,253 units)

Counties: Coos, Hillsborough, Rockingham

  1. Wisconsin – 1 in every 9,049 housing units (304 filings / 2,750,750 units)

Counties: Kewaunee, Langlade, Marquette

  1. Kansas – 1 in every 9,450 housing units (136 filings / 1,285,221 units)

Counties: Anderson, Ottawa, Decatur

  1. North Dakota – 1 in every 9,865 housing units (38 filings / 374,866 units)

Counties: Hettinger, Bowman, McIntosh

  1. West Virginia – 1 in every 13,225 housing units (65 filings / 859,653 units)

Counties: Jefferson, Berkeley, Wetzel

  1. Mississippi – 1 in every 14,331 housing units (93 filings / 1,332,811 units)

Counties: Wayne, Jefferson, Copiah

  1. Vermont – 1 in every 17,741 housing units (19 filings / 337,072 units)

Counties: Rutland, Addison, Windham

  1. Montana – 1 in every 20,918 housing units (25 filings / 522,939 units)

Counties: Blaine, Sweet Grass, Dawson

  1. South Dakota – 1 in every 26,594 housing units (15 filings / 398,903 units)

Counties: Minnehaha, Yankton, Pennington

Conclusion

Foreclosure activity continued its upward trend versus a year ago in October 2025, with both starts and completions posting annual increases. ATTOM provides a state-by-state ranking, beginning with the state with the worst foreclosure rate, along with the top counties driving activity in each state.

 

For full report, please click the source link above.

 

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