Foreclosures on the rise nationwide, data shows
Summary
Foreclosure filings in the United States have risen sharply in early 2026, increasing by 21% compared to last year and 28% compared to 2024. Florida shows the highest number of foreclosures per ZIP code, and homeowners of color are affected at rates more than three times the national average.Key Facts
- Foreclosure filings nationwide increased 21% in the first half of 2026 compared to the same period in 2025.
- Since 2020, foreclosure filings grew by 71% through 2025 as pandemic protections ended.
- Florida has the highest average yearly foreclosures per ZIP code post-pandemic, followed by New Jersey, Delaware, and other states.
- Economic challenges like rising mortgage rates, property taxes, insurance costs, and job losses contribute to the increase.
- Texas ZIP code 77327 had the highest foreclosure number over six years with 8,189 cases.
- Communities of color face foreclosures at rates more than three times the national average, linked to historically targeted bad loans.
- Former homeowner Emily Arner lost her home due to her husband’s job loss and rising mortgage payments.
- Although foreclosure numbers are rising, they remain below the levels seen during the housing crisis over 15 years ago.
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