Research
Original, source-backed research on the housing markets we work in. Every report is built entirely from public data, with our methodology and sources stated in full, so you can check the numbers yourself.
Massachusetts has a foreclosure filing rate well below the national rate, and its filings are down 20 percent from two years ago. But the pressure is uneven. Our county index finds it in Hampden County, home to Springfield, whose foreclosure petition rate is more than three times the statewide average, and on Martha’s Vineyard, while Middlesex and Norfolk counties score lowest.
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Alabama climbed to 10th nationally by foreclosure rate in August 2026, and its share of seriously delinquent mortgages has risen for two years. Our county index finds the pressure in the Black Belt region of south-central Alabama and along the Georgia line, led by Selma, while Birmingham, Huntsville, and their suburbs score lowest.
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A county-level index ranking all 15 Arizona counties by foreclosure pressure, built from market softness, mortgage cost burden, delinquency, and unemployment.
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California files more foreclosures than almost any state, third in starts and second in bank repossessions in the first half of 2026, yet its foreclosure rate ranks only 18th. Our county index finds the pressure inland and in the rural north, while the Bay Area scores lowest in the state.
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Colorado's foreclosure count is rising faster than any state we have measured, up 121 percent in two years, but off a very low base. Our county-level index ranks the counties by foreclosure pressure, built from market softness, cost burden, delinquency, and unemployment. The real distress is in Pueblo and the Front Range exurbs; the mountain resort towns rank high on cost of living alone.
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Florida now has the worst foreclosure rate in the country. Our county-level index ranks all 67 counties by foreclosure pressure, built from market softness, cost burden, delinquency, and unemployment.
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Georgia has one of the fastest-rising foreclosure rates in the country, and the pressure splits metro Atlanta in two. Our county-level index ranks the counties by foreclosure pressure, built from market softness, cost burden, delinquency, and unemployment. Clayton County leads the state; the affluent northern arc is the safest ground.
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Illinois has one of the highest foreclosure rates in the country, and unlike the Sun Belt, the pressure reaches into its biggest metro. Our county-level index ranks the counties by foreclosure pressure, built from market softness, cost burden, delinquency, and unemployment. Cook County files more foreclosures than any county in America.
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Indiana had the worst foreclosure rate in the country in the first quarter of 2026. In the last housing crisis it ranked 18th. Our county-level index finds Lake County and Indianapolis tied at the top, while Fort Wayne, South Bend, and the northern Indianapolis suburbs grade Lower.
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Kentucky sits in the middle of the national foreclosure table, but a larger share of its homes in foreclosure stand vacant than in most states. Our county index finds the pressure in Eastern Kentucky, led by Knox and Floyd counties, and at Fort Campbell, while Louisville, Lexington, and Northern Kentucky score low.
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Louisiana has the highest rate of seriously delinquent mortgages in the country and the longest foreclosure timeline, 3,491 days. Our parish index puts New Orleans first, and all three of the state's largest metros grade Elevated in every test.
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Maryland ranked ninth nationally by foreclosure rate in the first half of 2026, with filings up 36 percent from a year earlier, and it was one of the four worst states every year from 2013 through 2020. Our county index puts Baltimore City first by nine points, followed by the southern Washington suburbs of Prince George's and Charles counties.
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Massachusetts has a foreclosure filing rate well below the national rate, and its filings are down 20 percent from two years ago. But the pressure is uneven. Our county index finds it in Hampden County, home to Springfield, whose foreclosure petition rate is more than three times the statewide average, and on Martha’s Vineyard, while Middlesex and Norfolk counties score lowest.
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The state that led the last foreclosure crisis is now near the national middle, running more than 90 percent below its 2010 peak. Our county-level index ranks all 83 counties by foreclosure pressure, built from market softness, cost burden, delinquency, and unemployment.
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Minnesota still has one of the lowest mortgage delinquency rates in the country, but its foreclosure filings rose 43 percent in the first half of 2026, twice the national increase, and pre-foreclosure notices reached their highest level since 2015. Our county index finds the pressure in the lake country of north-central Minnesota and in Morrison and Isanti counties, and less so in the Twin Cities.
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Missouri still has a below-average foreclosure rate, but its filings have risen faster over two years than in any neighboring state, and its share of seriously delinquent mortgages has risen from 0.6 to 0.9 percent in two years, in step with the national rate. Our county index finds the pressure in the Ozarks lake country, in Poplar Bluff, and in Jackson County (Kansas City) and the City of St. Louis.
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Nevada had the worst foreclosure rate in the country in July 2026 and the second worst in August. Our county-level index finds the pressure split down the middle of the state: Nye County, home to Pahrump, tops the index, and Clark County, home to Las Vegas, grades Elevated, while Washoe County and Reno grade Lower.
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New Jersey ranked seventh nationally by foreclosure rate in the first half of 2026, and it had the worst rate in the country every year from 2015 through 2019. Our county index finds the pressure concentrated in South Jersey: Cumberland and Atlantic counties grade Elevated in every version of the index we tested.
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New Mexico has a below-average foreclosure filing rate, but its share of seriously delinquent mortgages is above the national rate, its filings rose 61 percent in two years, and it has one of the highest shares of vacant zombie foreclosures in the country. Our county index finds the pressure in Ruidoso, Taos, Valencia County, and Las Cruces, while Eddy and Lea counties have the lowest scores of any ranked county.
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A New York foreclosure now takes an average of 2,007 days to complete, more than three times the national average and among the longest of any state. Our county index finds the pressure in the Bronx, Queens, and Brooklyn, and outside the city in Rockland and Orange counties, while upstate metros from Buffalo to Albany grade among the safest in the state.
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North Carolina foreclosure filings are up 86 percent in two years, a steeper climb than Georgia, Texas, Florida or South Carolina. But our county-level index finds the pressure nowhere near the growth. Every major metro grades Lower, with the Research Triangle in the bottom four, while the rural coastal plain and Sandhills fill the Elevated tier. Fayetteville is the single metropolitan exception.
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Ohio is home to the two highest zombie-foreclosure metros in America, Youngstown and Cleveland. Our county-level index ranks Ohio counties by foreclosure pressure, built from market softness, cost burden, delinquency, and unemployment. The risk splits between the old industrial cities and the Appalachian southeast.
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Oklahoma sits mid-table nationally, 20th by foreclosure rate in the first half of 2026. Housing stress shows up in two different forms: heavier price cutting in the metro counties, and slow markets with heavy owner cost burdens in the lake and rural counties. Delaware County, on Grand Lake, ranks near the top in every version of the index we tested.
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Pennsylvania ranks 19th in the country by foreclosure rate but fourth in completed foreclosures. Our county-level index finds the pressure in two places the state's reputation would not predict: Philadelphia, which tops the index by nine points, and the Pocono Mountains, where Pike, Wayne, Monroe and Carbon take four of the top five slots. Pittsburgh and the old steel and coal counties of the southwest all grade Lower.
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South Carolina has the second-highest foreclosure rate in the country, but the pressure is not in its booming metros. Our county-level index ranks all 46 counties by foreclosure pressure, built from market softness, cost burden, delinquency, and unemployment. The risk sits in the rural interior, along the I-95 corridor.
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Tennessee foreclosures are rising fast off a historically low base. Our county-level index ranks all 95 counties by foreclosure pressure, built from market softness, cost burden, delinquency, and unemployment.
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Texas ranks 12th nationally by foreclosure rate but leads every state in raw volume. Our county-level index ranks the counties by foreclosure pressure, built from market softness, cost burden, delinquency, and unemployment. The strain is in South Texas and the border, not the booming metros.
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Utah ranked 10th nationally by foreclosure rate in the first half of 2026, with filings up 89 percent from two years earlier, the fastest rise of any top-ten state. Our county index finds the pressure in southern Utah and Ogden, not Salt Lake City.
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Wisconsin has one of the lowest foreclosure rates in the country and is tied for the lowest share of seriously delinquent mortgages. Our county index finds the pressure that does exist in two places: the Northwoods lake counties, where second homes cloud the picture, and the Milwaukee and Racine area, where it does not.
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America has about 5.2 million held-off-market vacant homes. Our national, county-level index ranks every U.S. county on abandoned housing, built from Census vacancy composition, cost burden, and housing age. The heaviest concentrations are in the Deep South and Appalachia, not the fast-growing Sun Belt.
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