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States with the most foreclosures

  • Andy Dean Photography // Shutterstock
    1/ Andy Dean Photography // Shutterstock

    States with the most foreclosures

    Foreclosure rates hit their lowest level in nearly 13 years, dropping to 0.13% in the third quarter of 2018. In that time there were 177,146 foreclosure filings nationally on just over 134 million units of housing inventory.

    The last time rates were this low was the fourth quarter of 2005, when loose residential mortgage lending and derivative securities exacerbated global exposure to the U.S. housing market. That era, characterized by products such as “NINJA” (no income, job, or assets) mortgages, eventually culminated in the financial crisis of 2007–2008 when nearly 8 million homes fell into foreclosure.

    Lending standards have changed considerably since the buildup to 2007. These adjustments were driven in part by new regulations and the 2010 passage of the Dodd-Frank Act, which instituted new financial regulations including increased loan underwriting standards and the elimination of risky loan products. As 2018 sees the continuation of a nearly decade-long bull market and elements of Dodd-Frank being rolled back, it remains to be seen how the housing market will fare.

    To determine which states are seeing the highest levels of foreclosure activity, Stacker analyzed quarterly housing figures from ATTOM Data Solutions and ranked the data by the rate of foreclosure filings over total housing units in the third quarter of 2018. Data comes from more than 2,200 counties and represents more than 90% of the U.S. population.

    Read on to find out where your state ranks on the list. 

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  • Public Domain
    2/ Public Domain

    #50. South Dakota

    Foreclosure rate: 0.02% (1 in 6,262 houses), 87.9% below the national average
    Total housing units: 372,281
    Properties with foreclosure filings: 60
    One-year change in foreclosure filings: -17.8%

  • Picryl
    3/ Picryl

    #49. North Dakota

    Foreclosure rate: 0.02% (1 in 6,134 houses), 87.7% below the national average
    Total housing units: 350,134
    Properties with foreclosure filings: 57
    One-year change in foreclosure filings: -1.7%

  • Montanabw // Wikicommons
    4/ Montanabw // Wikicommons

    #48. Montana

    Foreclosure rate: 0.03% (1 in 3,322 houses), 77.2% below the national average
    Total housing units: 491,439
    Properties with foreclosure filings: 148
    One-year change in foreclosure filings: -0.7%

  • Brandon W. Holmes // Wikicommons
    5/ Brandon W. Holmes // Wikicommons

    #47. West Virginia

    Foreclosure rate: 0.04% (1 in 2,782 houses), 72.8% below the national average
    Total housing units: 884,728
    Properties with foreclosure filings: 318
    One-year change in foreclosure filings: 32.5%

  • NNECAPA // Flickr
    6/ NNECAPA // Flickr

    #46. Vermont

    Foreclosure rate: 0.04% (1 in 2,679 houses), 71.8% below the national average
    Total housing units: 326,812
    Properties with foreclosure filings: 122
    One-year change in foreclosure filings: 2.5%

  • GoodFreePhotos
    7/ GoodFreePhotos

    #45. Idaho

    Foreclosure rate: 0.05% (1 in 1,942 houses), 61% below the national average
    Total housing units: 686,013
    Properties with foreclosure filings: 353
    One-year change in foreclosure filings: 15%

  • Wonderlane // Flickr
    8/ Wonderlane // Flickr

    #44. Washington

    Foreclosure rate: 0.05% (1 in 1,845 houses), 59% below the national average
    Total housing units: 2,966,814
    Properties with foreclosure filings: 1,608
    One-year change in foreclosure filings: -2.4%

  • Collinulness // Wikicommons
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    #43. Nebraska

    Foreclosure rate: 0.06% (1 in 1,780 houses), 57.5% below the national average
    Total housing units: 815,006
    Properties with foreclosure filings: 458
    One-year change in foreclosure filings: -27.6%

  • Visit Mississippi // Flickr
    10/ Visit Mississippi // Flickr

    #42. Mississippi

    Foreclosure rate: 0.06% (1 in 1,678 houses), 54.9% below the national average
    Total housing units: 1,295,242
    Properties with foreclosure filings: 772
    One-year change in foreclosure filings: -0.1%

  • Olivier Aumage // Wikicommons
    11/ Olivier Aumage // Wikicommons

    #41. New Hampshire

    Foreclosure rate: 0.06% (1 in 1,601 houses), 52.7% below the national average
    Total housing units: 620,729
    Properties with foreclosure filings: 388
    One-year change in foreclosure filings: -23%

  • Jeffrey Beall // Flickr
    12/ Jeffrey Beall // Flickr

    #40. Colorado

    Foreclosure rate: 0.06% (1 in 1,585 houses), 52.2% below the national average
    Total housing units: 2,284,863
    Properties with foreclosure filings: 1,442
    One-year change in foreclosure filings: -6%

  • Jeffrey Beall // Wikicommons
    13/ Jeffrey Beall // Wikicommons

    #39. Kansas

    Foreclosure rate: 0.07% (1 in 1,538 houses), 50.8% below the national average
    Total housing units: 1,248,955
    Properties with foreclosure filings: 812
    One-year change in foreclosure filings: -11.1%

  • Bobak Ha'Eri // Wikicommons
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    #38. Minnesota

    Foreclosure rate: 0.07% (1 in 1,493 houses), 49.3% below the national average
    Total housing units: 2,382,855
    Properties with foreclosure filings: 1,596
    One-year change in foreclosure filings: 6.1%

  • Pixabay
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    #37. Arkansas

    Foreclosure rate: 0.07% (1 in 1,434 houses), 47.2% below the national average
    Total housing units: 1,341,391
    Properties with foreclosure filings: 935
    One-year change in foreclosure filings: -4.4%

  • Andrew Jameson // Wikicommons
    16/ Andrew Jameson // Wikicommons

    #36. Michigan

    Foreclosure rate: 0.07% (1 in 1,373 houses), 44.9% below the national average
    Total housing units: 4,544,920
    Properties with foreclosure filings: 3,311
    One-year change in foreclosure filings: -35.1%

  • Visitor7 // Wikicommons
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    #35. Oregon

    Foreclosure rate: 0.07% (1 in 1,369 houses), 44.7% below the national average
    Total housing units: 1,706,290
    Properties with foreclosure filings: 1,246
    One-year change in foreclosure filings: -7.4%

  • Zandperl // Wikicommons
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    #34. Wyoming

    Foreclosure rate: 0.08% (1 in 1,299 houses), 41.8% below the national average
    Total housing units: 267,987
    Properties with foreclosure filings: 207
    One-year change in foreclosure filings: 7.8%

  • Ken Lund // Flickr
    19/ Ken Lund // Flickr

    #33. Hawaii

    Foreclosure rate: 0.08% (1 in 1,213 houses), 37.6% below the national average
    Total housing units: 530,289
    Properties with foreclosure filings: 437
    One-year change in foreclosure filings: 40.5%

  • Public Domain
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    #32. Kentucky

    Foreclosure rate: 0.08% (1 in 1,192 houses), 36.5% below the national average
    Total housing units: 1,951,090
    Properties with foreclosure filings: 1,639
    One-year change in foreclosure filings: -3.2%

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    #31. Rhode Island

    Foreclosure rate: 0.09% (1 in 1,174 houses), 35.6% below the national average
    Total housing units: 462,657
    Properties with foreclosure filings: 394
    One-year change in foreclosure filings: -3.7%

  • Thomas R Machinitzki // Wikicommons
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    #30. Tennessee

    Foreclosure rate: 0.09% (1 in 1,111 houses), 31.9% below the national average
    Total housing units: 2,873,478
    Properties with foreclosure filings: 2,584
    One-year change in foreclosure filings: -10.6%

  • Ser Armantio di Nicolao // Wikicommons
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    #29. Virginia

    Foreclosure rate: 0.09% (1 in 1,060 houses), 28.6% below the national average
    Total housing units: 3,445,357
    Properties with foreclosure filings: 3,249
    One-year change in foreclosure filings: -13.3%

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    #28. Arizona

    Foreclosure rate: 0.09% (1 in 1,058 houses), 28.5% below the national average
    Total housing units: 2,913,541
    Properties with foreclosure filings: 2,755
    One-year change in foreclosure filings: -12.2%

  • Iowahwyman // Wikicommons
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    #27. Iowa

    Foreclosure rate: 0.10% (1 in 1,049 houses), 27.9% below the national average
    Total housing units: 1,362,619
    Properties with foreclosure filings: 1,299
    One-year change in foreclosure filings: -4.8%

  • GoodFreePhotos
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    #26. Missouri

    Foreclosure rate: 0.10% (1 in 1,040 houses), 27.2% below the national average
    Total housing units: 2,738,774
    Properties with foreclosure filings: 2,634
    One-year change in foreclosure filings: 2.2%

  • Picryl
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    #25. Texas

    Foreclosure rate: 0.10% (1 in 1,020 houses), 25.8% below the national average
    Total housing units: 10,441,643
    Properties with foreclosure filings: 10,232
    One-year change in foreclosure filings: -14%

  • Davidmitcha // Wikicommons
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    #24. Louisiana

    Foreclosure rate: 0.10% (1 in 1,001 houses), 24.4% below the national average
    Total housing units: 2,011,700
    Properties with foreclosure filings: 2,009
    One-year change in foreclosure filings: -3.1%

  • Public Domain
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    #23. Maine

    Foreclosure rate: 0.10% (1 in 1,000 houses), 24.3% below the national average
    Total housing units: 727,127
    Properties with foreclosure filings: 726
    One-year change in foreclosure filings: -4.1%

  • Pink Sherbet Photography // Wikicommons
    30/ Pink Sherbet Photography // Wikicommons

    #22. Utah

    Foreclosure rate: 0.10% (1 in 966 houses), 21.7% below the national average
    Total housing units: 1,024,047
    Properties with foreclosure filings: 1,058
    One-year change in foreclosure filings: 8.4%

  • Ken Lund // Flickr
    31/ Ken Lund // Flickr

    #21. Wisconsin

    Foreclosure rate: 0.11% (1 in 917 houses), 17.4% below the national average
    Total housing units: 2,649,597
    Properties with foreclosure filings: 2,891
    One-year change in foreclosure filings: 46.1%

  • Ken Lund // Wikicommons
    32/ Ken Lund // Wikicommons

    #20. California

    Foreclosure rate: 0.11% (1 in 889 houses), 14.8% below the national average
    Total housing units: 13,911,737
    Properties with foreclosure filings: 15,654
    One-year change in foreclosure filings: -12.4%

  • Max Pixel
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    #19. Alabama

    Foreclosure rate: 0.11% (1 in 883 houses), 14.3% below the national average
    Total housing units: 2,209,335
    Properties with foreclosure filings: 2,502
    One-year change in foreclosure filings: -16.2%

  • IzzRaeElle // Wikicommons
    34/ IzzRaeElle // Wikicommons

    #18. Georgia

    Foreclosure rate: 0.12% (1 in 844 houses), 10.4% below the national average
    Total housing units: 4,156,518
    Properties with foreclosure filings: 4,922
    One-year change in foreclosure filings: 0.1%

  • Wonderlane // Flickr
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    #17. Alaska

    Foreclosure rate: 0.12% (1 in 836 houses), 9.5% below the national average
    Total housing units: 306,921
    Properties with foreclosure filings: 367
    One-year change in foreclosure filings: 18%

  • Simtropolitan // Wikicommons
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    #16. Massachusetts

    Foreclosure rate: 0.12% (1 in 810 houses), 6.6% below the national average
    Total housing units: 2,836,658
    Properties with foreclosure filings: 3,500
    One-year change in foreclosure filings: -24%

  • Caleb Long // Wikicommons
    37/ Caleb Long // Wikicommons

    #15. Oklahoma

    Foreclosure rate: 0.13% (1 in 795 houses), 4.9% below the national average
    Total housing units: 1,699,462
    Properties with foreclosure filings: 2,137
    One-year change in foreclosure filings: -19.1%

  • Bz3rk // Wikicommons
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    #14. North Carolina

    Foreclosure rate: 0.13% (1 in 770 houses), 1.7% below the national average
    Total housing units: 4,453,767
    Properties with foreclosure filings: 5,783
    One-year change in foreclosure filings: 0.1%

  • GoodFreePhotos
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    #13. Indiana

    Foreclosure rate: 0.14% (1 in 733 houses), 3.2% above the national average
    Total housing units: 2,830,669
    Properties with foreclosure filings: 3,862
    One-year change in foreclosure filings: -10.1%

  • Jon Dawson // Flickr
    40/ Jon Dawson // Flickr

    #12. Pennsylvania

    Foreclosure rate: 0.14% (1 in 717 houses), 5.6% above the national average
    Total housing units: 5,592,175
    Properties with foreclosure filings: 7,804
    One-year change in foreclosure filings: -6.2%

  • Gryffindor // Wikicommons
    41/ Gryffindor // Wikicommons

    #11. New York

    Foreclosure rate: 0.14% (1 in 700 houses), 8.2% above the national average
    Total housing units: 8,191,568
    Properties with foreclosure filings: 11,710
    One-year change in foreclosure filings: -1.9%

  • Ken Lund // Flickr
    42/ Ken Lund // Flickr

    #10. New Mexico

    Foreclosure rate: 0.17% (1 in 597 houses), 26.8% above the national average
    Total housing units: 912,445
    Properties with foreclosure filings: 1,527
    One-year change in foreclosure filings: -11.5%

  • Public Domain
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    #9. Ohio

    Foreclosure rate: 0.17% (1 in 579 houses), 30.7% above the national average
    Total housing units: 5,146,944
    Properties with foreclosure filings: 8,889
    One-year change in foreclosure filings: -6.3%

  •         Akhenaton06 // Wikicommons
    44/ Akhenaton06 // Wikicommons

    #8. South Carolina

    Foreclosure rate: 0.18% (1 in 544 houses), 39.1% above the national average
    Total housing units: 2,192,041
    Properties with foreclosure filings: 4,028
    One-year change in foreclosure filings: -8.1%

  • Eric Fredericks // Flickr
    45/ Eric Fredericks // Flickr

    #7. Illinois

    Foreclosure rate: 0.21% (1 in 475 houses), 59.2% above the national average
    Total housing units: 5,310,327
    Properties with foreclosure filings: 11,169
    One-year change in foreclosure filings: -7%

  • IIP Photo Archive // Flickr
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    #6. Connecticut

    Foreclosure rate: 0.21% (1 in 475 houses), 59.3% above the national average
    Total housing units: 1,493,798
    Properties with foreclosure filings: 3,145
    One-year change in foreclosure filings: -8.5%

  • Stan Shebs // Wikicommons
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    #5. Nevada

    Foreclosure rate: 0.21% (1 in 472 houses), 60.3% above the national average
    Total housing units: 1,200,517
    Properties with foreclosure filings: 2,543
    One-year change in foreclosure filings: 10%

  • Mohmed Althani // Flickr
    48/ Mohmed Althani // Flickr

    #4. Florida

    Foreclosure rate: 0.22% (1 in 449 houses), 68.5% above the national average
    Total housing units: 9,152,815
    Properties with foreclosure filings: 20,382
    One-year change in foreclosure filings: 7.3%

  • Ken Lund // Flickr
    49/ Ken Lund // Flickr

    #3. Maryland

    Foreclosure rate: 0.26% (1 in 379 houses), 99.7% above the national average
    Total housing units: 2,421,909
    Properties with foreclosure filings: 6,390
    One-year change in foreclosure filings: -6%

  • Tim Kiser // Wikicommons
    50/ Tim Kiser // Wikicommons

    #2. Delaware

    Foreclosure rate: 0.32% (1 in 315 houses), 140.3% above the national average
    Total housing units: 417,927
    Properties with foreclosure filings: 1,327
    One-year change in foreclosure filings: 11.8%

  • Ken Lund // Flickr
    51/ Ken Lund // Flickr

    #1. New Jersey

    Foreclosure rate: 0.37% (1 in 267 houses), 183.6% above the national average
    Total housing units: 3,586,442
    Properties with foreclosure filings: 13,443
    One-year change in foreclosure filings: -7.9%

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