Foreclosures by state: August 2026

Where rates are highest

The five states with the most filings per home were South Carolina (1 in 1,547), Nevada (1 in 1,920), Florida (1 in 2,397), Texas (1 in 2,445), Maryland (1 in 2,530). Among larger metro areas, the highest rates were in Columbia, SC (1 in 1,232), Punta Gorda, FL (1 in 1,249), Spartanburg, SC (1 in 1,262), Fayetteville, NC (1 in 1,458), Charleston, SC (1 in 1,501).

Speed matters as much as volume. Of this month’s ten highest-rate states, 4 usually foreclose without a court case (Nevada, Texas, Utah, Alabama), where a sale can come in months, and 5 go through the courts (South Carolina, Florida, Indiana, Delaware, Illinois), which usually takes longer, and 1 (Maryland) can go either way. The last column below shows the typical timeline our calculator gives for each state.

How many homeowners are behind

The share of mortgages that are 30+ days late or in foreclosure is highest in Louisiana (8.41%), Mississippi (8.33%), Alabama (6.3%), Indiana (6.24%), Arkansas (5.9%). Those state rates count loans in foreclosure too, while the national 3.53% above counts only loans that are late and not yet in foreclosure, so the two are not directly comparable. Another 298,000 loans were in foreclosure nationally. If you are one of them, you are far from alone, and most of these loans never reach a sale. Call your servicer, ask for a loss mitigation application, and check your state’s deadlines so you know how much time you have.

Source: ICE First Look, August 2026, based on loan-level data. Counts are rounded by ICE.

Every state, ranked

Tap a state for its deadlines, calculated from your own dates. Counties listed are the state’s highest-rate counties this month.

District of Columbia was not ranked in the source data this month. DC deadlines are here.

If one of these filings is yours

A filing is not a sale. Most states give you notices, a cure window and sometimes a right to buy the home back, each with its own deadline. The first step is to find out which clock you are on: pick your state, enter the date of your first missed payment, and the calculator lays out every deadline. See the pre-foreclosure guide for what to do first, and whether you can still get the house back after a sale.

Watch a breakdown of these numbers

Memphis broker and auctioneer Ashley Pickens walks through the August 2026 numbers on her channel. She is not affiliated with Foreclosure By State and has not reviewed this page.