A total of 227,548 properties in the United States made foreclosure filings in the first six months of this year, a 21 percent increase from the same period last year, according to real estate analytics company ATTOM.

The first half foreclosure filings are also up by 28 percent from the same period two years back, ATTOM said in a July 16 report.
In states with a minimum of 500 foreclosure filings, Idaho registered the largest year-over-year increase: 59 percent. This was closely followed by Colorado with 57 percent, Georgia with 52 percent, and North Carolina with 47 percent.
Foreclosure is a legal process by which a mortgage lender repossesses a property after the borrower fails to make mortgage payments on time. Initially, the lender issues a notice of default once payments are missed for 90 days. If the borrower fails to settle the claim within 30 days, the lender can repossess the property and sell it off.
In the first half of the year, 0.16 percent of all housing units made a foreclosure filing, according to ATTOM.
Florida had the highest rate, with 0.27 percent of housing units making a filing. South Carolina was in the second spot with a 0.26 percent rate, followed by Indiana and Delaware, both with a rate of 0.25 percent.
“Foreclosure activity continued to increase in the first half of 2026, but the broader picture remains one of a market that is gradually returning to more typical patterns,” Rob Barber, CEO at ATTOM, said in a statement.
Foreclosure filings in a year’s first half hit their lowest level in 2021 amid the COVID-19 pandemic, but have risen since. Prior to the pandemic, first-half filing numbers were higher than the 2026 figure for every single year between 2008 and 2019.
However, the filing increase in the first half of 2026 also suggests “that some homeowners may be facing greater financial strain than they were a year ago,” Barber said.
In a June 12 post, legal services company Nolo predicted foreclosure rates would gradually rise in the latter part of 2026.
The company cited factors such as high interest rates and reduced buyer demand as contributing to a growing housing crisis. Unless there is significant relief or intervention, the trend of rising foreclosures is likely to continue, it said.
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