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Foreclosure Rates for All 50 States in January 2024

By Nora Epstein · February 21, 2024 · 16 minute read

We’re here to help! First and foremost, SoFi Learn strives to be a beneficial resource to you as you navigate your financial journey. Read more We develop content that covers a variety of financial topics. Sometimes, that content may include information about products, features, or services that SoFi does not provide. We aim to break down complicated concepts, loop you in on the latest trends, and keep you up-to-date on the stuff you can use to help get your money right. Read less

Foreclosure Rates for All 50 States in January 2024

Amid economic uncertainty, this month’s foreclosure trends unveiled a concerning increase in nationwide foreclosure activity. According to property data provider ATTOM , the number of housing units with foreclosure filings in January was 33,270, a 10% rise from the previous month and a 5% rise from the previous year. As noted by ATTOM CEO Rob Barber, factors such as post-holiday legal progression and broader economic trends like rising interest rates and employment shifts might have contributed to this boost.

Notably, completed foreclosures rose by 13% from the prior month, marking the first increase since July 2023. Major cities like Cleveland, Ohio and Spartanburg, South Carolina had particularly high foreclosure rates, suggesting local economic challenges. Additionally, foreclosure starts increased by 6% nationally, with California, Texas, and Florida leading in new foreclosure actions. New York City, Houston, and Los Angeles were among the metropolitan areas with the highest number of foreclosure starts, highlighting ongoing challenges in these real estate markets. Borrowers should stay up to date on their mortgage payments and work closely with their lenders to explore options for assistance if needed.

Read on for the foreclosure rates in January 2024 – plus the five counties, or county equivalents, with the highest rates within those states.

50 State Foreclosure Rates

As previously noted, foreclosure rates rose moderately compared to last month and to last year. Read on for the January foreclosure rates for all 50 states — plus the District of Columbia — beginning with the state that had the lowest rate of foreclosure filings per housing unit.

District of Columbia

Ranking in population between Vermont and Alaska, the country’s second and third least populous states, Washington, D.C. observed 99 foreclosures in January, down about 9% from the previous month. With a total of 350,372 housing units, the foreclosure rate of the nation’s capital was one in every 3,539 households, putting it in between the states of California (#12) and Alabama (#13).

50. South Dakota

The Mount Rushmore State nabbed the 50th spot for highest foreclosure rate in January. Having 393,150 total housing units, the fifth-least populous state had a foreclosure rate of one in every 35,741 households with 11 foreclosures. The counties with the most foreclosures per housing unit were (from highest to lowest): Brown, Brookings, Pennington, Minnehaha, and Lincoln.

49. Kansas

The Sunflower State ranked 49th for highest foreclosure rate once again this month. With 1,278,548 homes and a total of 44 housing units going into foreclosure, the 35th most populous state’s foreclosure rate was one in every 29,058 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Marion, Meade, Stevens, Geary, and Bourbon.

48. Montana

Listed as 44th in population, the Treasure State rated 48th for its foreclosure rate for the second month in a row. With 24 foreclosures out of 517,430 housing units, Montana’s foreclosure rate was one in every 21,560 homes. The counties with the most foreclosures per housing unit were (from highest to lowest): Roosevelt, Big Horn, Stillwater, Park, and Richland.

47. Vermont

In 49th place for population, the Green Mountain State ranked 47th for its foreclosure rate this month. Of the state’s 335,138 housing units, 17 homes went into foreclosure at a rate of one in every 19,714 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Essex, Grand Isle, Lamoille, Caledonia, and Rutland.

46. Washington

Sorted as 13th in population, the Evergreen State ranked 46th for its foreclosure rate in January. Of its 3,216,243 housing units, 276 went into foreclosure, making the state’s foreclosure rate one in every 11,653 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Grays Harbor, Lincoln, Yakima, Jefferson, and Cowlitz.

45. Missouri

Coming in at 19th in population, the Show-Me State took the 45th spot for highest foreclosure rate this month. Of its 2,795,030 homes, 279 went into foreclosure, making for a foreclosure rate of one in every 10,018 homes. The counties with the most foreclosures per housing unit were (from highest to lowest): Linn, New Madrid, Gentry, Clark, and Ray.

44. Kentucky

With a total of 1,999,202 housing units, the Bluegrass State saw 200 homes go into foreclosure, thus landing in 44th place this month. This puts the foreclosure rate for the 26th most populous state at one in every 9,996 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Bracken, Breathitt, Carroll, Morgan, and Kenton.

43. Alaska

The Last Frontier saw 32 foreclosures this month, making the foreclosure rate one in every 9,923 homes. This caused the third-least populous state, with a total of 317,529 housing units, to claim the 43rd spot. The boroughs with the most foreclosures per housing unit were (from highest to lowest): North Slope, Southeast Fairbanks, Sitka, Fairbanks North Star, and Anchorage.

42. North Dakota

The Peace Garden State’s foreclosure rate was one in every 9,799 homes. This puts the fourth-least populous state — with 372,376 housing units and 38 foreclosures — in 42nd place. The counties with the most foreclosures per housing unit were (from highest to lowest): Eddy, Foster, Dickey, Barnes, and Morton.

41. West Virginia

Ranked 39th in population, the Mountain State claimed the 41st spot this month. It has a total of 859,142 housing units, of which 92 went into foreclosure. This means that the foreclosure rate was one in every 9,339 homes. The counties with the most foreclosures per housing unit were (from highest to lowest): Mercer, Lewis, Kanawha, Fayette, and Wyoming.

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40. Oregon

The 27th most populous state ranked 40th for highest foreclosure rate in January. Of the Pacific Wonderland’s 1,818,599 homes, 201 went into foreclosure, making for a foreclosure rate of one in every 9,048 homes. The counties with the most foreclosures per housing unit were (from highest to lowest): Lake, Umatilla, Klamath, Clackamas, and Josephine.

39. Nebraska

Ranking 37th in population, the Cornhusker State placed 39th this month with a foreclosure rate of one in every 8,743 homes. With a total of 848,023 housing units, the state had 97 foreclosure filings. The counties with the most foreclosures per housing unit were (from highest to lowest): Dawes, Frontier, Kimball, Morrill, and Thurston.

38. Wisconsin

With 332 foreclosures out of 2,734,511 total housing units, America’s Dairyland and the 20th most populous state secured the 38th spot with a foreclosure rate of one in every 8,236 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Langlade, Ashland, Taylor, Douglas, and Jackson.

37. Rhode Island

The eighth-least populous state placed 37th yet again for highest foreclosure rate this month. A total of 59 homes went into foreclosure out of 483,053 total housing units, making the foreclosure rate for the Ocean State one in every 8,187 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Kent, Providence, Washington, Bristol, and Newport.

36. Virginia

With 462 homes going into foreclosure, the 12th most populous state ranked 36th for highest foreclosure rate in January. Having 3,625,285 total housing units, the Old Dominion saw a foreclosure rate of one in every 7,847 households. The county and independent cities with the most foreclosures per housing unit were (from highest to lowest): Franklin City, Norton City, Amherst, Portsmouth City, and Martinsville City.

35. Mississippi

Ranked 34th in population, the Magnolia State experienced 171 foreclosures out of 1,324,992 total housing units. This puts the foreclosure rate at one in every 7,748 homes and into the 35th spot this month. The counties with the most foreclosures per housing unit were (from highest to lowest): Coahoma, Warren, Calhoun, Webster, and Grenada.

34. Tennessee

Ranked 16th in population, the Volunteer State endured 412 foreclosures out of its 3,050,850 housing units. This puts the foreclosure rate at one in every 7,405 households and in 34th place this month. The counties with the most foreclosures per housing unit were (from highest to lowest): Sequatchie, Haywood, Rhea, Perry, and McNairy.

33. Colorado

The 21st most populous state ranked 33rd for highest foreclosure rate in January. Of the Centennial State’s 2,500,095 housing units, 340 went into foreclosure, making for a foreclosure rate of one in every 7,353 homes. The counties with the most foreclosures per housing unit were (from highest to lowest): Cheyenne, Logan, Teller, Morgan, and Pueblo.

32. New Mexico

The 36th most populous state claimed the 32nd spot for highest foreclosure rate this month. Of the Land of Enchantment’s 943,149 homes, 133 went into foreclosure, making for a foreclosure rate of one in every 7,091 homes. The counties with the most foreclosures per housing unit were (from highest to lowest): Union, Guadalupe, Chaves, Eddy, and Lincoln.

31. New Hampshire

The Granite State, and the 41st most populous state in the U.S., ranked 31st for highest foreclosure rate. New Hampshire saw 92 of its 640,335 homes go into foreclosure, making for a foreclosure rate of one in every 6,960 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Merrimack, Sullivan, Strafford, Cheshire, and Rockingham.

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30. Maine

Ranked 42nd in population, the Pine Tree State placed 30th for highest foreclosure rate in January. With a total of 741,803 housing units, Maine saw 110 foreclosures for a foreclosure rate of one in every 6,744 homes. The counties with the most foreclosures per housing unit were (from highest to lowest): Waldo, Franklin, Kennebec, Androscoggin, and Somerset.

29. Arkansas

Listed as the 33rd most populous state, the Land of Opportunity ranked 29th for highest foreclosure rate this month. The state contains 1,371,709 housing units, of which 206 went into foreclosure, making its latest foreclosure rate one in every 6,659 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Cleveland, Franklin, Lafayette, Greene, and Ashley.

28. Minnesota

Ranked 22nd for most populous state, the Land of 10,000 Lakes obtained the 28th spot for highest foreclosure rate in January. It has 2,493,956 housing units, of which 382 went into foreclosure, making the state’s foreclosure rate one in every 6,529 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Chisago, Cottonwood, Sherburne, Rice, and Mille Lacs.

27. Wyoming

The country’s least populous state claimed the 27th spot for highest foreclosure rate this month. With 273,291 housing units, of which 42 went into foreclosure, the Equality State’s foreclosure rate was one in every 6,507 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Weston, Campbell, Hot Springs, Johnson, and Natrona.

26. Hawaii

The Paradise of the Pacific, and the 40th most populous state, came in 26th for highest foreclosure rate. Of its 560,873 homes, 88 went into foreclosure, making for a foreclosure rate of one in every 6,374 households. Only four of the five counties in the state saw foreclosures. They were (from highest to lowest): Hawaii, Honolulu, Kauai, and Maui.

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25. Utah

The Beehive State placed 25th for highest foreclosure rate in January. Of its 1,162,654 housing units, 190 homes went into foreclosure, making the 17th most populous state’s foreclosure rate one in every 6,119 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Tooele, Weber, Box Elder, Sevier, and Kane.

24. Arizona

Sorted as 14th in population, the Grand Canyon State withstood 527 foreclosures out of its total 3,097,768 housing units. This puts the foreclosure rate at one in every 5,878 homes and into the 24th spot in January. The counties with the most foreclosures per housing unit were (from highest to lowest): Pinal, Cochise, Yuma, Graham, and Navajo.

23. Louisiana

Sorted as 25th in population, the Pelican State placed 23rd for highest foreclosure rate this month. Louisiana had a foreclosure rate of one in every 5,827 households, with 357 out of 2,080,371 homes going into foreclosure. The parishes with the most foreclosures per housing unit were (from highest to lowest): Tangipahoa, Livingston, West Baton Rouge, East Feliciana, and Washington.

22. Massachusetts

The 15th most populous state ranked 22nd for highest foreclosure rate in January. Of the Bay State’s 2,999,314 housing units, 565 went into foreclosure, making for a foreclosure rate of one in every 5,309 homes. The counties with the most foreclosures per housing unit were (from highest to lowest): Franklin, Berkshire, Plymouth, Hampden, and Worcester.

21. Oklahoma

The Sooners State landed the 21st spot this month. With housing units totaling 1,751,802, the 28th most populous state saw 340 homes go into foreclosure at a rate of one in every 5,152 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Ottawa, Kiowa, Washita, Tulsa, and Cotton.

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20. Georgia

Ranked eighth in population, the Peach State took the 20th spot for highest foreclosure rate yet again this month. Of its 4,426,780 homes, 877 were foreclosed on. This puts the state’s foreclosure rate at one in every 5,048 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Calhoun, Twiggs, Echols, Jasper, and Henry.

19. Idaho

Ranked 38th in population, the Gem State received the 19th spot due to its 153 housing units that went into foreclosure this month. With 758,877 total housing units, the state’s foreclosure rate was one in every 4,960 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Lincoln, Canyon, Bingham, Payette, and Shoshone.

18. North Carolina

The ninth-most populous state claimed 18th place for highest foreclosure rate. Out of 4,739,881 homes, 968 went into foreclosure. This puts the Tar Heel State’s foreclosure rate at one in every 4,897 homes. The counties with the most foreclosures per housing unit were (from highest to lowest): Chowan, Pasquotank, Hyde, Martin, and Nash.

17. Pennsylvania

The Keystone State had the 17th highest foreclosure rate in January. The fifth-most populous state saw 1,272 homes out of 5,753,908 total housing units go into foreclosure, making the state’s foreclosure rate one in every 4,524 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Philadelphia, Monroe, Venango, Delaware, and Fayette.

16. Iowa

The Hawkeye State had the 16th highest foreclosure rate this month. With 337 out of 1,417,064 homes going into foreclosure, the 31st most populous state’s foreclosure rate was one in every 4,205 homes. The counties with the most foreclosures per housing unit were (from highest to lowest): Emmet, Montgomery, Clinton, Benton, and Clarke.

15. New York

With 2,022 out of a total 8,494,452 housing units going into foreclosure, the Empire State claimed the 15th spot this month. The fourth-most populous state’s foreclosure rate was one in every 4,201 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Nassau, Chenango, Orange, Otsego, and Suffolk.

14. Texas

The Lone Star State withstood 2,836 foreclosures in January. With a foreclosure rate of one in every 4,110 households, this puts the second-most populous state in the U.S., with a whopping 11,654,971 housing units, into 14th place. The counties with the most foreclosures per housing unit were (from highest to lowest): Liberty, Cottle, Blanco, Caldwell, and Reagan.

13. Alabama

Listed as 24th in population, the Yellowhammer State came in 13th for highest foreclosure rate this month. Of its 2,296,920 homes, 596 went into foreclosure, making for a foreclosure rate of one in every 3,854 homes. The counties with the most foreclosures per housing unit were (from highest to lowest): Calhoun, Jefferson, Coosa, Mobile, and Bibb.

12. California

The country’s most populous state ranked 12th for highest foreclosure rate in January. Of its impressive 14,424,442 housing units, 4,336 went into foreclosure, making the Golden State’s foreclosure rate one in every 3,327 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Trinity, Lake, San Bernardino, Humboldt, and Mendocino.

11. Illinois

The Land of Lincoln claimed the 11th spot for highest foreclosure rate this month. Of its 5,427,357 homes, 1,666 went into foreclosure, making the sixth-most populous state’s foreclosure rate one in every 3,258 households. The counties with the most foreclosures per housing unit were (from highest to lowest): Livingston, Edwards, Kankakee, Edgar, and Mason.

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10. Florida

The third-most populous state in the country has a total of 9,915,957 housing units, of which 3,079 went into foreclosure. This puts the Sunshine State’s foreclosure rate at one in every 3,221 homes and into 10th place for the second month in a row. The counties with the most foreclosures per housing unit were (from highest to lowest): Wakulla, Osceola, Gadsden, Hendry, and Polk.

9. Ohio

The Buckeye State placed ninth in January with a foreclosure rate of one in every 3,139 homes. With a sum of 5,251,209 housing units, the seventh-most populous state had a total of 1,673 filings. The counties with the most foreclosures per housing unit were (from highest to lowest): Cuyahoga, Preble, Jefferson, Defiance, and Knox.

8. Connecticut

With 510 of its 1,531,332 homes going into foreclosure, the Constitution State had the eighth highest foreclosure rate at one in every 3,003 households. In this 29th most populous state, the counties that had the most foreclosures per housing unit were (from highest to lowest): New Haven, Windham, Tolland, Fairfield, and Hartford.

7. South Carolina

The 23rd most populous state had the seventh highest foreclosure rate with one in every 2,994 homes going into foreclosure. Of the Palmetto State’s 2,362,253 housing units, 789 were foreclosed on this month. The counties with the most foreclosures per housing unit were (from highest to lowest): Kershaw, Lee, Richland, Spartanburg, and Barnwell.

6. Michigan

Ranked 10th in population, the Wolverine State secured the sixth spot with a foreclosure rate of one in every 2,859 homes. With a total of 4,580,447 housing units, the state had 1,602 foreclosure filings. The counties with the most foreclosures per housing unit were (from highest to lowest): Wayne, Montcalm, Gratiot, Genesee, and Shiawassee.

5. New Jersey

With a foreclosure rate of one in every 2,647 homes, the Garden State ranked fifth for highest foreclosure rate this month. The 11th most populous state contains 3,756,340 housing units, of which 1,419 went into foreclosure. The counties with the most foreclosures per housing unit were (from highest to lowest): Cumberland, Warren, Gloucester, Sussex, and Camden.

4. Maryland

Ranked 18th for most populous state, America in Miniature took fourth place for highest foreclosure rate in January. With a total of 2,531,075 housing units, of which 978 went into foreclosure, the state’s foreclosure rate was one in every 2,588 households. The counties and independent city with the most foreclosures per housing unit were (from highest to lowest): Calvert, Baltimore City, Prince George’s County, Charles, and Caroline.

3. Indiana

The 17th largest state by population, the Crossroads of America landed the third spot this month with a foreclosure rate of one in every 2,499 homes. Of its 2,931,710 housing units, 1,173 went into foreclosure. The counties with the most foreclosures per housing unit were (from highest to lowest): Sullivan, Pike, Delaware, Howard, and Benton.

2. Nevada

Ranked 32nd in population, the Silver State took the second spot for highest foreclosure rate this month. With one in every 2,272 homes going into foreclosure, and a total of 1,288,357 housing units, the state had 567 foreclosure filings. The counties with the most foreclosures per housing unit were (from highest to lowest): Lyon, Clark, White Pine, Mineral, and Lander.

1. Delaware

The sixth-least populous state in the country, the Small Wonder nabbed first place in January. With one in every 2,269 homes going into foreclosure and a total of 451,556 housing units, the state saw 199 foreclosures filed. Having only three counties in the state, the most foreclosures per housing unit were (from highest to lowest): Kent, New Castle, and Sussex.

The Takeaway

Of all 50 states, California had the most foreclosure filings (4,336), and South Dakota had the least (11). As for the states with the highest foreclosure rates, Delaware, Nevada, and Indiana took the top three spots, respectively.

Two regions – the Great Lakes and the Mideast – tied for having the largest presence among the 10 states that ranked the highest for foreclosure rates. The states in the Great Lakes region were (from highest to lowest): Indiana, Michigan, and Ohio. The states in the Mideast region were (from highest to lowest): Delaware, Maryland, and New Jersey.

The Plains region had the largest presence among the 10 states that ranked the lowest for foreclosure rates. These states were (from highest to lowest): North Dakota, Missouri, Kansas, and South Dakota.

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