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U.S. Foreclosure Rates by State – September 2025

Industry Update
October 10, 2025

Source: ATTOM

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

In September 2025, foreclosure activity across the U.S. edged down slightly from the previous month but remained higher than a year ago.

Total filings: 35,602 properties with default notices, scheduled auctions, or bank repossessions

Monthly change: Down 0.3% from August 2025

Year-over-year change: Up 20% from September 2024

National rate: One in every 3,997 housing units had a foreclosure filing

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

Foreclosure Starts and Completions

Starts: 23,761 U.S. properties began the foreclosure process in September 2025 — down 2% from August but up 20% year-over-year.

Completions (REOs): Lenders repossessed 3,780 U.S. properties, down 7% month-over-month but up 44% from September 2024.

What’s Driving September 2025 Foreclosure Trends?

Florida led the nation with the worst foreclosure rates during September 2025, followed closely by Delaware and Nevada with Indiana and South Carolina rounding out the top five worst rates. This mix of states from different regions across the country may suggest that rising foreclosure activity is not isolated to one area but rather reflects broader affordability pressures and financial strain affecting homeowners nationwide.

Foreclosure Rates by State – September 2025

Below is the complete state-by-state foreclosure ranking for September 2025.

  1. Florida – 1 in every 2,182 housing units (4,621 filings / 10,082,356 units)

Counties: Hardee, Highlands, Osceola

  1. Delaware – 1 in every 2,325 housing units (197 filings / 457,958 units)

Counties: Kent, New Castle, Sussex

  1. Nevada – 1 in every 2,417 housing units (541 filings / 1,307,338 units)

Counties: Lyon, Clark, Churchill

  1. Indiana – 1 in every 2,697 housing units (1,095 filings / 2,953,344 units)

Counties: Clinton, Vigo, Pulaski

  1. South Carolina – 1 in every 2,883 housing units (833 filings / 2,401,638 units)

Counties: Lexington, Kershaw, Allendale

  1. Illinois – 1 in every 2,883 housing units (1,888 filings / 5,443,501 units)

Counties: Montgomery, Marshall, Rock Island

  1. Utah – 1 in every 3,075 housing units (388 filings / 1,193,082 units)

Counties: Iron, Tooele, Box Elder

  1. Ohio – 1 in every 3,114 housing units (1,693 filings / 5,271,573 units)

Counties: Huron, Cuyahoga, Highland

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

Counties: Clay, Hancock, Cedar

  1. Texas – 1 in every 3,313 housing units (3,589 filings / 11,890,808 units)

Counties: Liberty, Johnson, Martin

  1. Maryland – 1 in every 3,314 housing units (768 filings / 2,545,532 units)

Counties: Caroline, Charles, Baltimore City

  1. California – 1 in every 3,514 housing units (4,136 filings / 14,532,683 units)

Counties: Mendocino, Shasta, Sonoma

  1. Georgia – 1 in every 3,584 housing units (1,251 filings / 4,483,873 units)

Counties: Decatur, Mcduffie, Haralson

  1. New Jersey – 1 in every 3,814 housing units (990 filings / 3,775,842 units)

Counties: Cumberland, Salem, Sussex

  1. North Carolina – 1 in every 3,937 housing units (1,223 filings / 4,815,195 units)

Counties: Jones, Lee, Cleveland

  1. Pennsylvania – 1 in every 4,093 housing units (1,412 filings / 5,779,663 units)

Counties: Philadelphia, Berks, Venango

  1. Michigan – 1 in every 4,220 housing units (1,090 filings / 4,599,683 units)

Counties: Montmorency, Muskegon, Sanilac

  1. Alabama – 1 in every 4,234 housing units (547 filings / 2,316,192 units)

Counties: Mobile, Jefferson, Montgomery

  1. Arizona – 1 in every 4,264 housing units (737 filings / 3,142,443 units)

Counties: Pinal, Graham, Cochise

  1. Connecticut – 1 in every 4,609 housing units (332 filings / 1,530,197 units)

Counties: Windham, New London, New Haven

  1. Louisiana – 1 in every 4,706 housing units (445 filings / 2,094,002 units)

Counties: Plaquemines, Ascension, Iberville

  1. New York – 1 in every 5,020 housing units (1,701 filings / 8,539,536 units)

Counties: Orange, Cayuga, Nassau

  1. Colorado – 1 in every 5,215 housing units (488 filings / 2,545,124 units)

Counties: Washington, Rio Grande, Lake

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

Counties: Haines, Petersburg Census Area, Northwest Arctic

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

Counties: Uinta, Goshen, Natrona

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

Counties: Galax City, Covington City, Charlotte

  1. Maine – 1 in every 6,221 housing units (120 filings / 746,552 units)

Counties: Oxford, Waldo, Somerset

  1. Washington – 1 in every 6,274 housing units (520 filings / 3,262,667 units)

Counties: Grays Harbor, Pierce, Lewis

  1. New Mexico – 1 in every 6,640 housing units (143 filings / 949,524 units)

Counties: Union, Eddy, Roosevelt

  1. Oklahoma – 1 in every 6,653 housing units (265 filings / 1,763,036 units)

Counties: Logan, Muskogee, Canadian

  1. Massachusetts – 1 in every 6,655 housing units (453 filings / 3,014,657 units)

Counties: Franklin, Dukes, Hampden

  1. Arkansas – 1 in every 6,983 housing units (198 filings / 1,382,664 units)

Counties: Arkansas, Sharp, Lawrence

  1. New Hampshire – 1 in every 7,239 housing units (89 filings / 644,253 units)

Counties: Coos, Sullivan, Cheshire

  1. Hawaii – 1 in every 7,242 housing units (78 filings / 564,905 units)

Counties: Hawaii, Kauai, Honolulu

  1. Missouri – 1 in every 7,433 housing units (378 filings / 2,809,501 units)

Counties: Linn, Harrison, Saint Francois

  1. Idaho – 1 in every 7,615 housing units (102 filings / 776,683 units)

Counties: Oneida, Bear Lake, Washington

  1. Kentucky – 1 in every 7,616 housing units (264 filings / 2,010,655 units)

Counties: Hancock, Carroll, Lyon

  1. Tennessee – 1 in every 7,817 housing units (396 filings / 3,095,472 units)

Counties: Decatur, Hancock, Lake

  1. North Dakota – 1 in every 7,976 housing units (47 filings / 374,866 units)

Counties: Dickey, Mercer, Sargent

  1. Wisconsin – 1 in every 8,162 housing units (337 filings / 2,750,750 units)

Counties: Washington, Racine, Douglas

  1. Nebraska – 1 in every 8,307 housing units (103 filings / 855,631 units)

Counties: Greeley, Hitchcock, Nemaha

  1. Oregon – 1 in every 8,714 housing units (211 filings / 1,838,631 units)

Counties: Sherman, Crook, Harney

  1. Minnesota – 1 in every 9,031 housing units (279 filings / 2,519,538 units)

Counties: Grant, Kanabec, Mille Lacs

  1. Rhode Island – 1 in every 9,890 housing units (49 filings / 484,615 units)

Counties: Kent, Providence, Washington

  1. Montana – 1 in every 11,126 housing units (47 filings / 522,939 units)

Counties: Mineral, Fallon, Toole

  1. Mississippi – 1 in every 11,200 housing units (119 filings / 1,332,811 units)

Counties: Copiah, Jasper, Winston

  1. Kansas – 1 in every 12,011 housing units (107 filings / 1,285,221 units)

Counties: Anderson, Morton, Rush

  1. West Virginia – 1 in every 17,193 housing units (50 filings / 859,653 units)

Counties: Gilmer, Braxton, Pendleton

  1. Vermont – 1 in every 42,134 housing units (8 filings / 337,072 units)

Counties: Essex, Rutland, Caledonia

  1. South Dakota – 1 in every 49,863 housing units (8 filings / 398,903 units)

Counties: Essex, Rutland, Caledonia

Conclusion

Foreclosure activity continued its upward trend versus year ago in September 2025, with both starts and completions posting annual increases. ATTOM provides a state-by-state ranking, starting 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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